vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: GLOBAL SOLUTION BIZ LLC.
State: NY

Complaint narrative:
Due to unforeseen circumstances from health issues I defaulted with what is being described as being a personal loan. On or about XX/XX/year> I was contacted by Global Solutions. I was confused being I was working with resource recovery. XXXX XXXX called to collect on money owed. I told XXXX XXXX that I needed some form of proof of who she was and that the company was legitimate. I was copied into an email that she sent to a lawyer as proof. I then requested a debt validation letter because the amount did not seem accurate nor was I comfortable with this person being legitimate. I never received anything by postal mail as requested. I sent my request with return receipt. I think this person may work for a company that can possibly collect the funds but I still have no solid proof. I refuse to give a debit/credit card or pay with XXXX to someone that cant provide accurate information. There was a returned email from an assumed attorney that was threatening to take my personal belongings, freeze my bank account, all my personal property and the list goes on including additional legal remedies.The generic email suggests settling for less than the full balance. While still waiting for a letter I tried to negotiate what I think is owed. It was denied. Another person then contacted me, XXXX XXXX and the email was titled notice of bank levy. I returned her call as I did all others but they claimed I didnt. I have proof. XXXX XXXX said the bank accepted the request and my account would be froze. I called my bank, no such paperwork was received. XXXX XXXX treated me terribly. She said people would be coming to my home and place of business and to notify anyone there. There was no appointment because I denied the request. Nobody ever contacted me. I told my children that if they see strangers to let me know. They are still scared. They were going to come and seize my assets. I got the same generic emails copied to and from an attorney. The woman was rude. She yelled at me. Treated me as if I was XXXX. Was treating me like an XXXX when I said I never heard back from the last lady and I didnt reach out yet because I was grieving the death of a very young friend. Its as if she joked about it. She was nasty then hung up on me. I searched a number to call a supervisor. This alleged supervisor said he would settle the debt for half the amount asked for with a agreed payment. I again asked for paperwork. I got a generic email letter that had me repaying double the agreed upon amount. I asked that XXXX XXXX never contacted me again. She did again informing me that I have until the XXXX then the lawyer was going to start freezing accounts and taking assets. The threats of sending people to my my home etc is to much. I have never been treated so poorly nor should I be. There is much more information and proof to back my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: FL

Complaint narrative:
Under 15 U.S Code1e ( b ) and 15 U.S Code1681i ( 5 ) this accouunt in violation not reporting 100 % accurate.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights too privacy and confidentiality under the 15 USC 1681. These account has violated my rights.

Pursuant to 15 USC 1681 section 602 A states I have the right to privacy.

Pursuant to 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish accounts without my written instructions,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 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: CO

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-08-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: GA

Complaint narrative:
The car was repossessed and sold at auction its been on my credit report since XXXX and it is affecting my credit score, home loan for new house and business loan for my new business It was repossessed XX/XX/XXXX after vehicle was sold and the account is closed but its saying current but its not please have them remove it from my credit report asap

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: Maximus Federal Services, Inc.
State: NJ

Complaint narrative:
I have a Privacy issue related to my credit report, specifically in connection with the account provided by DEPT OF ED/AIDVANTAGE Pursuant to the Gramm-Leach-Bliley Act ( GLBA ), I am seeking clarification and resolution regarding the privacy of my personal information. I believe there may be a violation of the GLBA, which mandates the protection of non-public personal information. To address this concern, I am requesting the following information : 1.I have never received Consumer Personal Financial Privacy Policy Notice by Mail in in writing under the GLB ACT that I was supposed to be provided at the beginning of the CUSTOMER RELATIONSHIP and ANNUALLY. 

2.Detailed Explanation : Please provide a detailed explanation of how my non-public personal information is being handled, including the measures in place to ensure its confidentiality and the entities with whom it has been shared.

3.Opt-In Documentation : As required by GLBA, I requested documentation confirming that I have explicitly opted-in for the sharing of my non-public personal information.

This includes any initial notices provided to me at the establishment of the customer relationship. 

4.Written Contracts and Agreements : Provide any written contracts or agreements between myself and the DEPT OF ED/AIDVANTAGE explicitly granting permission to share my Personal & Financial non-public Personal and Financial information to a NON-AFFILIATED THIRD PARTY 5. Signature Confirmation : Furnish any documents bearing my signature, confirming my explicit consent to data DEPT E

D/AIDVANTAGE ( OPT-IN ) the sharing of personal information. Failure to produce such is a violated of CONSUMER LAW under NON-COMPLIANCE that carries a penalty of {$100000.00} per officer a
nd {$50000.00} per employee. 

Failure to provide the requested documentation within a timely manner of 30 days from the receipt of this letter may compel me to pursue further action, including filing a complaint with regulatory authorities. It is crucial to address this matter promptly and transparently to ensure compliance with GLBA regulations I appreciate your immediate attention to this matter and look forward to a prompt resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: NV

Complaint narrative:
To Whom It May Concern : I am filing this complaint to formally address the unfair, deceptive, and predatory practices employed by LVNV Funding LLC in their attempts to collect a debt from me. Their behavior is in direct violation of my rights as a consumer under the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws. 

Details of the Complaint : 1. Misrepresentation of Debt : LVNV Funding LLC has repeatedly misrepresented the amount and legitimacy of the debt they claim I owe. I have requested documentation to verify this debt, yet LVNV Funding has either failed to provide adequate proof or completely ignored my requests.

2. Harassment : LVNV Funding has engaged in persistent harassment, including frequent phone calls and letters, despite my clear instructions to cease communication until they can validate the debt. This has caused significant emotional distress and is a blatant violation of my rights.

3. Reporting False Information to Credit Bureaus : Despite my disputes, LVNV Funding LLC has reported inaccurate information to the credit bureaus, damaging my credit score and causing undue financial harm. This act of reporting unverified and incorrect data is both illegal and unethical.

4. Failure to Comply with Verification Requests : As per the FDCPA, I have the right to request verification of any debt. LVNV Funding LLC has failed to provide the necessary documentation within the legally required timeframe, further proving their lack of integrity and accountability. 
5. Threatening Legal Action : Representatives from LVNV Funding LLC have threatened legal action without any intent to follow through, which is an intimidation tactic prohibited under federal law. These threats are not only baseless but are also a deliberate attempt to coerce payment under false pretenses. 

Resolution Sought : I demand that LVNV Funding LLC immediately : 1. Cease all collection efforts related to this disputed debt until they can provide full and legitimate verification.

2. Correct any and all inaccuracies reported to the credit bureaus, and provide written confirmation of these corrections. 
XXXX. Refrain from any further harassment or unlawful threats of legal action. 
4. Provide compensation for the undue stress and financial harm caused by their actions. 

Failure to comply with these demands will result in further legal action and escalation to other regulatory bodies. I trust that the Consumer Financial Protection Bureau will take this matter seriously and hold LVNV Funding LLC accountable for their blatant disregard of consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: CA

Complaint narrative:
This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? 

Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-08-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX Balanced {$0.00}

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 2024-08-15 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: CO

Complaint narrative:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: CO

Complaint narrative:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXXXXXX Balance : {$0.00}

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 2024-08-15 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under trafficking according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have violated my rights. 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 aso states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any 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.

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 2024-08-15 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have violated my rights. 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 aso states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX These accounts have violated my rights. 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 aso states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any 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.

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 2024-08-15 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:
Im asking for your help with this incorrect account being reported on my credit report. Ive reported this because its been damaging to my reputation, and I need your intervention. Your poor management of my credit report has put me in a very tough situation, and the false reporting has ruined my reputation. You need to correct these mistakes so I can regain peace with my family.

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 2024-08-15 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I signed up for an Amex Gold card. The sign up bonus was XXXX points if I spend {$6000.00} in XXXX  months. I got the card and spent over {$6000.00} in XXXX months. I called customer service when I received the card and they said I do qualify for the bonus if I spend the {$6000.00} in 6 months. I called a few weeks ago and again they said I will get the XXXX points when I spend $ XXXX.On both of these calls the rep entered notes in their system saying that I would get the points. I called yesterday and today and spoke with a rep and supervisor and they both said I don't qualify. I want to know what the exact reasons are that I don't qualify and why the first two reps said I do. I have not received any previous bonuses with AMEX and I didn't see any notification on the sign-up screen saying I don't qualify. This is a bait and switch I think. Please contact them and have them explain why 2 reps said I qualify and the last two I spoke with say I don't. and why I don't qualify for the signup bonus. 

Thanks, XXXX

Company response to consumer: Closed with explanation