vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. I have already tried to remedy this situation ; therefore, I am currently pending litigation seeking relief and monetary compensation under FCRA 15 U.S. Code 1681n ( Civil liability for willful noncompliance ), 15 U.S. Code 1681o ( Civil liability for negligent noncompliance ), and 15 U.S. Code 1692k ( Civil liability ). Enclosed with this letter is the true bill documenting the violation of the aforementioned accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have repeatedly tried to resolve the issue of false, incorrect, and deceptive information on my consumer report, but the problem persists. These entries have severely affected my life, causing considerable distress. I must emphasize that I never approved or agreed to have this information linked to my name, as I am a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
They have this duplicated all over my credit report and change the date every time I submit a request for proof of debt. This is not my debt and I have requested this information be removed from all three credit reporting agencies. It was removed then put back on and DUPLICATED AND THE DATE CHANGES EVERY TIME I REQUEST PROOF OF DEBT. ENOUGH IS ENOUGH REMOVE THIS OR I WILL GET A LAWYER

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Recently I mailed a letter requesting verification of inaccurate accounts reporting on my credit report that your bureau maintain on XX/XX/year> I received a response stating that the accounts were verified on XX/XX/year> iam formally requesting a description of the procedure your bureau used in providing all information to the original creditors in processing my dispute under FCRA 611 ( a ) ( 7 ). To be clear, per FCRA 611 ( a ) ( 2 ) ( b ), your agency is required to forward all relevant information to the original creditors to ensure a proper investigation of my dispute.iam requesting you provide me ALL information used for your investigation, as required by FCRA 611 ( a ) ( 7 ) XXXX XXXX XXXXXXXX paid never late XXXX XXXX XXXX deleted by collection company per FCRA you are required to provide me this information within 15 day 's or deleted the negative information from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Please see attached documents. Do not close this XXXX stating it is not me. I am a natural person and a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I am REWRITING to complaint to USAA FEDERAL SAVINGS BANK about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX, and my name is XXXX XXXX XXXX XXXX My birthdate is XXXX The FTC report number related with this complaint is XXXXI have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Credit Karma, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX my card was used to send over XXXX dollars to someone in XXXX XXXX. I did not make this payment nor did I authorize anyone to us my card. I submitted a dispute with credit karma. I was told the process takes a few weeks and that whoever is investigating would reach out. In less than 24 hours the disputes were closed with ZERO communication from credit karma. No one contacted me for evidence or to perform any type of investigation. It seems like credit karma has an interest in protecting itself rather than it's consumers. I am filing this complaint and closing my account with credit karma within the next two weeks. I will also be contacting the XXXX to file an additional complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: LA

Complaint narrative:
Nelnet unfortunately took over my student loan servicing after COVID-19 from Great Lakes . During this timeframe, the SAVE program became available as an income based repayment plan. I was previously enrolled in REPAYE, and was under the false impression that I had to recalculate my payment in order to enroll into SAVE. My payment somehow ballooned from approximately XXXX dollars to almost XXXX dollars. The Federal Student Aid website clearly states that If your payment increased after recertifying or recalculating your payment, your payment would be reversed to the original amount and it would be recalculated in XX/XX/year> ( I will attach that information ). I confirmed this with an FSA.Gov employee, and have the transcript of the chat showing this information was correct. After repeated attempts to explain this to Nelnet, they told me at each step I was incorrect and I would be responsible for this approximately XXXX dollar payment. I gave them ample time to stop the initiation of the debit from my bank account ( i was told by Nelnet the request needed to be made 3 days before the payment date and they were contacted a week and a half before the withdrawal date ) yet they still took the money. After numerous complaints to FSA.Gov, Nelnet emailed me a letter explaining that I would be getting the refund, but they had no indication of when. After continued phone calls and emails with Nelnet, they still have no information or updates. This is, in my view, a violation of federal law, and theft, as they admitted not only was I correct about the incorrect payment amount, but they took money out of my account they were not entitled to, and have yet to refund it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: TN

Complaint narrative:
On XXXX XX/XX/XXXX, I notified Freedom Mortgage that they were not making the required escrow payments to my insurance company. On XXXX XX/XX/XXXX, I contacted them again. On XXXX XX/XX/XXXX, I informed them to stop escrowing for insurance as I would pay myself. 

In XXXX of XXXX, I noticed that my escrow payments had increased significantly. Since the only charges on my escrow should be property taxes, I requested an escrow ledger from Freedom Mortgage. Upon reviewing the ledger, I noticed a fraudulent transaction removing funds from my escrow without my consent. I brought this misappropriation of funds to Freedom Mortgage 's attention, but they refuse to credit my account, claiming they took out additional insurance on my behalf without my consent. 

Freedom Mortgage has shared an internal electronically generated document from their company that they believe constitutes notice. I have asked for the signature receipt from the mailing of the notice to myself and my insurance broker and they are unable or unwilling to provide actual evidence of their alleged notice to remove these funds without my authorization. 

I did not authorize this withdrawal and Freedom Mortgage does not have the right to remove money from my escrow account for illegitimate purposes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 
XXXX XXXX XXXX - Account # XXXX XXXX. XXXX - Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C.1681 section 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu other adverse item of
information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681S-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 
XXXX XXXX XXXXXXXX - Account # XXXX XXXX. XXXX XXXX  Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C.1681 section 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681S-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
My personal information has been compromised, and there have been attempts to apply for several credit cards in my name. I was alerted by XXXX, which led me to place a fraud alert on my credit reports. I noticed inquiries on my report from the following institutions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> ). I have contacted all the banks to cancel the fraudulent credit applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being.

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated.

Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Complaint Against LVNV Funding LLC/Resurgent Capital Services L.P . 

Dear CFPB, I am writing to file a formal complaint against LVNV Funding LLC/Resurgent Capital Services L.P. , a collection agency that has violated my consumer rights under multiple federal regulations. 

Nature of the Complaint : Failure to Provide Validation Information : Under 12 CFR 1006.34 ( b ) ( 5 ), the collection agency is required to provide validation information regarding the debt. Despite this requirement, LVNV Funding LLC/Resurgent Capital Services L.P. has placed a collection on my consumer report without providing the necessary validation information. 

Lack of Opportunity to Dispute : According to 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I should have been given the chance to dispute the account. However, this collection agency did not provide me with such an opportunity, thereby violating my rights as a consumer. 

Use of False, Misleading, and Deceptive Means : The collection agency is in violation of consumer protection laws by using false, misleading, misrepresentation, and deceptive means to collect the debt. 

Unauthorized Furnishing of Information : LVNV Funding LLC/Resurgent Capital Services L.P. has no authority to furnish any account to consumer reporting agencies without providing all disclosures required by law. They are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ).

I dispute owing any and all debts to LVNV Funding LLC/Resurgent Capital Services L.P . Furthermore, I revoke all rights for them to communicate with me through email, text, or calls. I request the following actions : Debt Validation : Provide complete validation of the debt.

Purchase Agreement : Furnish the purchase agreement between them and the original creditor.

Proof of Licensing and Bonding : Provide proof that they are licensed and bonded to operate as a collection agency.

Additionally, I request LVNV Funding LLC/Resurgent Capital Services L.P. to swear under penalty of perjury that they were present during the alleged debt. Reporting information that they know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act ( FCRA ).

They have 15 days from the date of this letter to respond with all items requested. Failure to provide a sufficient validation response within this period will necessitate the immediate removal of this item from my credit report, or I will seek litigation for monetary damages along with the violations they have already committed.

Thank you for your attention to this serious matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is my second notice of these fraudulent accounts on my credit report. I never benefited from any of these transactions from this account. Per the FCRA, these fraudulent items have to be blocked and deleted from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation