vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
LVNV FUNDING LLC is reporting inaccurate, harmful collection information on my credit report. 

I do not owe XXXX XXXX XXXX any debt as the debts were charged off and closed/settled. My consumer information was SOLD to debt collection LVNV FUNDING LLC - RESURGENT - by XXXX who XXXXre privately held FOR PROFIT companies. 

LVNV FUNDING LLC did NOT provide me with the original contracts for the original creditor, XXXX XXXX XXXX. They are attempting to collect debts that no longer exist as well as are reporting MONTH OVER MONTH each account as LATE and are DEFAMING MY CHARACTER. 

LVNV FUNDING LLC is a DEBT BUYER. I do NOT have nor have knowledge of any contract with them. They are not the original creditor. Aforementioned, the debts were charged off and closed/settled by original creditors. 

ACCT NAME : LVNV FUNDING LLC ACCT # : XXXX XXXX : {$1100.00} ACCT NAME : LVNV FUNDING LLC ACCT # : XXXX AMT : {$1400.00} I DEMAND THESE FRAUDULENT DEBT BUYERS DELETE THEIR ACCOUNTS FROM MY CREDIT REPORTS AND FROM XXXX, XXXX, AND XXXX IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Upon separation from my ex-husband I became aware that numerous accounts where opened up fraudulently in my name by him & his girlfriend & were now being reported on my credit. The account in question is from Victoria Secret original account # XXXX & was opened approximately XX/XX/XXXX. In the process of cleaning up my credit I tried to reach out to Comenity who was the original holder of the account but was told it was sold to XXXX XXXX. I finally was able to have contact with XXXX XXXX & informed them the account was fraudulent & was not opened up with my consent. They argued with me & basically told me I was lying. After numerous phone calls and failed interactions they opened up a dispute & on XX/XX/XXXX sent me a letter informing me they would need an FTC report & also stated they have requested the credit reporting agency update the account as disputed ( which never happened ). I filed my FTC report & on XX/XX/XXXX & faxed it over to them. I gave it some time & reached out once again because nothing was changing and it was still being reported. I spoke to XXXX at extension XXXX who stated they did intact find the account to be fraudent but they were running into a problem with who should actually remove the account because she then stated they didn't hold the account the original company Comenity did. She suggested I call them and tell them the situation and that I could even give them her extension & she would explain her company found it to be fraud so on and so forth. It didn't make any sense to me at all because one company would say the other held the debt and it was there job to remove it and the other would say the same. I grew increasing frustrated with the situation and was told to give it some time to run through the necessary channels. I am now once again trying to resolve this issue so I can clear my credit and once again today XX/XX/XXXX after calling XXXX & pressing ex XXXX was hung up on after explaining some of the situation ( being told nobody by the name of XXXX works there ) & they now are refusing to answer the phone. I've had it with this company and don't know where to go to move foward. During all of this I also filed an Ftc report for an account that was opened fraudulently with XXXX. They found it to be fraud & immediately removed from my credit per the law. So why is this company allowed to continue reporting something they said they know is fraud & then make it impossible for consumers to communicate with them while they are rude, call you liars, hang the phone up or refuse to answer it, & a drag this process out for over a year. Totally ridiculous & I'm expecting them to finally do the right thing & remove this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian 's handling of my identity theft case has been unsatisfactory. Despite having a credit freeze and fraud alert in place, unauthorized activity, including the addition of a fraudulent Social Security number and phone number, occurred on my account. While I did not take legal action for the initial violation, I expected Experian to take my security seriously. 

I am deeply concerned that Experian is verifying and retaining fraudulent accounts on my credit report, even though XXXX and XXXX have recognized and removed them. This discrepancy raises questions about Experian 's verification processes and commitment to protecting consumers. 

I have repeatedly provided evidence of identity theft, but I am dissatisfied with Experian 's investigation and response. I am filing another complaint and demand a thorough investigation into their practices. If this matter is not resolved promptly and effectively, I intend to pursue legal action against Experian. DELETE THE FRAUDULENT ACCOUNTS YOU CLAIM TO HAVE INVESTIGATED AND ARE KEEPING ON 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 2024-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 2024-10-25 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: NY

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.

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 2024-10-25 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: VA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-10-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
so my Bank of America credit card often gives XXXX 
those XXXX  never work and I have never received the credit after the spend and those deals I add to my card expire. the problem is just with Bank of America credit card, other credit cards work fine. 

like this week there is a deal that if you spend {$5.00} or more at XXXX you get {$5.00} credit back. 
I followed all XXXX XXXX XXXX and still the deal never triggered. 
I called them up, they opened a case, no response, happens every time for each deal. 
I tried to make XXXX payments of {$10.00} so I am way pass the threashold my card is enrolled with XXXX, I recieved an email for the same as well. but bofa support coulnot help out. 

I attached all relevant screenshots below

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 monetary relief
Consumer complaint received 2024-10-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-10-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Nelnet, Inc.
State: CA

Complaint narrative:
update my billing address to this. send invoices here : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My account with this company was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My account with this company was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently reviewed my credit report and noticed fraudulent activity on my report. Please remove all fraudulent activity as it is hurting my ability to obtain credit. Thank you

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 2024-10-25 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: GA

Complaint narrative:
I recently reviewed my credit report and noticed fraudulent activity on my report. Please remove all fraudulent activity as it is hurting my ability to obtain credit. Thank you

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 2024-10-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: TN

Complaint narrative:
I disputed an unauthorized transaction for {$330.00} on XX/XX/XXXX on cash app. By law, I shouldve received a provisional credit by now as its been XXXX business days and I have not received a resolution. Cashapp has yet to respond, or give an update on when they will issue my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Adler Wallach & Associates, Inc.
State: AZ

Complaint narrative:
In XX/XX/year> i filed for XXXX XXXX XXXXXXXX and was approved. Then on XX/XX/XXXX i got injured at work had a XXXX from XXXX XXXX XXXX XXXX XXXX on the XXXX of XXXX. Then had XXXX on the XXXX of XXXX for my on the job injury. A week later i received a check from workman 's comp due to the injury, then a couple days later I received a check from XXXX so i called both XXXX and workman 's comp they are the same company XXXX both representatives i spoke to said they would look into this then i called my HR department she said she would look into it as well so i call corporate and was told i applied for XXXX so i could keep it, i did not think that was right so i kept calling XXXX and workman 's comp but could not get answers so figured it was taken care of. Tell 4 months later got a letter from XXXX that i had an over payment. This is just not right after what i was told also called XXXX spoke to a total difference person she told me she fully understandable on what i told her but it was out of her hands. I feel this is unfair, i do have names of all the people i spoke to as well. The amount is {$5300.00} the collection company is AWA COLLECTIONS REFERENCE # XXXX I SENT THEM THE LETTER OF EXPLANATION ALSO WITH ALL THE INDIVIDUALS I SPOKE TO

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
Citibank, N.AXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX closed my ATT Universal Master Card account without my consent. 
Less that 90 days after I turned XXXX  years of age, my account was closed for " account inactivity ''. 
I am a Charter Member with ATT Universal Card since XXXX. The account is, and has always been, current. 
I have been in constant contact with Citi, by phone, and online chat, to have this account reopened. Citi has been unresponsive, except to say that they are reviewing my request to reopen my account XXXX  days ago. 
" Account inactivity '' is not listed as a " reason for closure '' of an account. 
" Account inactivity '' comes under the " for any reason, or for no reason '' provision of their contract. 
Therefore, something must trigger the " for any reason, or for no reason '' provision. 
My assertion is that my age triggered the " for any reason, or for no reason '' provision. 
There is no other reason, except possibly the fact that I am a XXXX American Veteran. 
Citi 's decision to single out my account for closure because of my age has caused great inconvenience and distress for me and my family. 
Your assistance in reopening this account is greatly appreciated.

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 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: CL Holdings LLC
State: CA

Complaint narrative:
XXXX acccount thats on my credit report i didnt open that account i was in XXXX  at the time it was opne so it couldnt of been me ive tryed and tryed to get it off my credit but there dont care i cant get a car or a house because of this

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: VA

Complaint narrative:
15 USC 1691 and CFR 1002 You can be denied credit due to credit score or credit history or income. Anyone adverse actions in a consumer credit transaction is illegal. I put in two applications with DISCOVER and got denied twice.

Company response to consumer: Closed with explanation