vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XX/XX/XXXX LVNV FUNDING LLC XXXX, SC XXXX Subject : Request for Documentation Related to Charged-Off Account Dear LVNV FUNDING LLC I am writing to formally address the charged-off account referenced XXXX XXXX XXXX XXXX XXXX  which was transferred to your agency, LVNV Funding LLC, on XX/XX/XXXX. 

As per the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide the following documentation regarding this debt : 1. A complete account statement detailing the charges leading to the account 's current balance of {$670.00}, including any fees or interest applied. 
2. A copy of the original credit agreement with XXXX  XXXX XXXX  XXXX XXXX  that details the terms and conditions under which this account was opened. 
3. Evidence of your right to collect on this debt, including a copy of the bill of sale or assignment showing that you have the legal authority to collect on this account. 
4. A Form 1099-C, which should have been issued for the canceled debt. 

Please consider this letter a formal request for verification of the debt. Until I receive this documentation, I request that all collection activities cease, as required by law. 

Should you fail to provide the requested information within 30 days of this letter, I will consider this matter closed and will dispute the validity of this account with the credit bureaus. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I never had a account with this bank this account was open fraudulent my personal information was compromised hacker stole my identity

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 2024-10-18 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-10-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
The derogatory rating on my account is a serious issue for me. I'm very concerned about how it's affecting my credit. It's already led to a loan application being denied and higher interest rates on my existing credit accounts. This negative rating is causing me severe financial and emotional stress, which will continue until the matter is resolved.

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 2024-10-18 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: NV

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 1. XXXX XXXX XXXX - XXXX XXXX, XXXX  XXXX. XXXX XXXX XXXX - XXXX XXXX, XXXX

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 2024-10-18 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: FL

Complaint narrative:
I submitted via the CFPB my FTC identity theft report on XX/XX/XXXX, and include the items which needs to be deleted. TransUnion responded on XX/XX/XXXX. Please see attached transcript. I am mentally challenged or a liar to submit a FTC report that is not true. This is an insult! I am going to retain counsel.

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 2024-10-18 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: CA

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 


XXXX XXXX # XXXX

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 2024-10-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: FL

Complaint narrative:
Cerulean CC charging me late fees for payments made on the same date as due date. This card is also run by XXXX XXXX XXXX which I have recently disputed and now I'm getting charged late fees that are inaccurate and also causing my reporting to suffer.

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 2024-10-18 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: IA

Complaint narrative:
In XXXX, I received notification my loan would be transferring from XXXX to Aidvantage and nothing would change in my terms, payment, etc. When I received notification from Aidvantage welcoming me XX/XX/XXXX, 5 days later I received an email saying there had been a change in my loan terms, XX/XX/XXXX - my payment going up from {$75.00} to {$96.00}. I immediately reached out advising this issue and was told everything was still be sorted out and it should revert to my original terms. 

I tried to confirm again in XXXX and was advised the same thing. My payment is now showing late, because it has not changed, and I am not paying the incorrect amount. They are advising there is nothing they can do, that it's still under the same " plan '', but yes they did change the payment amount so it would be paid off under the same terms? That makes no sense to me? That is not the same terms then? 

I am not getting satisfactory assistance and need to resolve this ASAP as they are advising there is nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Bureau, Inc.
State: NY

Complaint narrative:
I send a letter requesting a validation debt from them for inaccurate debt and inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On Tuesday,XX/XX/XXXX, three charges processed on my personal checking account in the amount of {$290.00}, {$550.00}, and {$5.00}. I had Overdraft Protection on my Personal account and the connected credit card account paid this amount of approximately {$850.00} on XX/XX/XXXX. When I saw the Overdraft Protection ( {$850.00} ) had come from my credit card and had worked, I immediately reimbursed my credit card with funds from my Business checking account in the amount of {$850.00}. I then turned off Overdraft Protection as I had gotten over the financially difficult part of my month. 

When I turned off Overdraft Protection, Wells Fargo removed the {$850.00} credit from my Personal Checking account which forced me to go into Overdraft again. I had already used my Business Checking account to pay my credit card and no longer had available funds to bring my Personal Checking account out of negative balance. The Wells Fargo employee who instructed me to set up Overdraft did not tell me that Wells Fargo was liable to remove the credit ; it is now only through experience that I understand I can not turn off Overdraft Protection until 3-5 days after it has been used. 

I was not notified of this until the following day ( XX/XX/XXXX ) by email, which meant I had from XXXX when they emailed me until XXXX PST that same night to fix everything. I called Wells Fargo as soon as I got off work at around XXXX and explained the situation. They said they'd already waived XXXX overdraft fees in the past XXXX months and were unable to assist. I was transferred from department to department with everyone saying they could do nothing even though the mistake was on the part of Wells Fargo. 

They suggested I advance cash from my credit card to cover the {$850.00} overdraft. However, because I had turned Overdraft Protection off, they would charge me a cash advance fee for using my credit card. Every solution Wells Fargo suggested for fixing their mistake involved me paying for it. 

At XXXX, I had been hung up on by Wells Fargo twice ( despite being calm and cordial ) and the issue still was not resolved. I finally spoke to someone at around XXXX PST who said she could re-apply the credit to my checking account and that they would not charge an Overdraft Fee. The adjustment that the Wells Fargo employee made did not post until XX/XX/XXXX. On Wednesday, XX/XX/XXXX, an overdraft fee was applied to my account, despite the employee at XXXX PST saying that they wouldn't AND despite 2 employees hanging up on me prior to the XXXX PST deadline AND despite the entire issue being a Wells Fargo error.

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 2024-10-18 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: MO

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 


XXXX XXXX # XXXX XXXXXXXX XXXX  # XXXX XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: MI

Complaint narrative:
The company is Concora Credit ( Destiny, Milestone etc. ) on XXXX this company put through a payment of {$1000.00} - my entire credit card balance - through an ACH transaction from my checking account. I did not authorize this payment. When I called to see how this happened, they couldn't tell me and basically just said it went through so ther was nothing they could do. The very day that it cleared - XX/XX/year>, I had two fraudulent charges on my account totally almost my entire credit limit - {$910.00} and {$63.00}. I find it very suspicious that someone authorized paying off my card and then right away maxed it out. I believe this credit card company could be involved in this scam. I called them to dispute the charges right away. So far they have not cleared off of my account and they are saying it could take 60 days. They should be investigated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER TACTICS FROM EQUIFAX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Dear LVNV Funding LLC, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to formally request that you provide documentation validating this debt. Additionally, I request that you immediately cease and desist from all collection activities regarding this alleged debt until proper validation is provided. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : The name and address of the original creditor and the current creditor. 
Verification of the total debt amount, including a detailed breakdown of the principal, interest, and any fees. 
Documentation showing the existence of a contract or agreement between myself and the original creditor, demonstrating my obligation to pay this amount. 
Copies of all assignments or transfers of the debt, including evidence of the transfer from the original creditor to your agency. 
Proof of securitization, if the original creditor securitized the debt. 
Documentation of any transfers or assignments to secured trusts or back to the original creditor. 
Until you provide the requested information, please cease and desist from : Reporting this debt to any credit bureaus or accessing my credit report. 
Communicating further with me about this debt, except to provide the requested documentation. 
Permissible Purpose If you have accessed my credit report, please provide your permissible purpose for doing so. I dispute your right to access my credit information and request that you not take any further actions in this regard. 
Notification to Other Collectors If you transfer or sell this debt to another collector, you are required to notify them of this dispute and provide them with a copy of this letter. 
I dispute the validity of this debt. If you have already reported this debt to any credit bureaus, please ensure that the dispute is reflected on my credit report in accordance with the law. 
Please treat this letter as a formal notice to cease and desist any further collection efforts until proper validation of this debt is provided. I expect your timely response within the guidelines of the FDCPA. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 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 2024-10-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: MS

Complaint narrative:
I got a call from Transworld systems inc saying I owe XXXX when I have been getting 2 separate bills they advised they would fix it but they never did yesterday I got a bill with another bill 2 separate bills I have 2 account numbers and they would never fix it I have never gotten any bill for {$360.00} which is the total they say I owe this total is the 2 accounts they created and have not fixed one for {$200.00} and the other for {$160.00} you can no double bill a customer and not fix it and expect a customer to pay for 2 accounts this is madness this company needs to send this account back to XXXX to fix so the consumer can pay what is owed cause 2 bills with 2 separate accounts is a no

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 2024-10-18 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Recently, I did an investigation on my consumer credit report and I found several items on there to be inaccurate. Under 15 U.S. code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, any item or information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please Remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, In addition to these fraudulent accounts I've noticed several hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-18 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: NC

Complaint narrative:
My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. 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 to be updated.

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. 


XXXX XXXX TRANSUNION 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!

Update 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