vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-06 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: TX

Complaint narrative:
On XX/XX/XXXX I received a debt collection notice from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX for the amount of {$11000.00} from XXXX XXXX XXXX XXXX XXXX XXXX XXXX The notice disclosed that I had by XX/XX/year> to dispute the collection. 

On XX/XX/XXXX, I sent them a debt verification letter through certified mail, which through tracking, showing delivery to them on XX/XX/XXXX. 

On XX/XX/XXXX, I received a notification from XXXX that I debt has been added to my credit report from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX for the amount of {$11000.00}. I immediately filed a dispute with XXXX regarding this debt as it should not have been added to my report prior to the allowable date of XX/XX/XXXX per the original debt collection notice. 

On XX/XX/XXXX, I called XXXX, XXXX XXXX XXXX XXXX, XXXX and explained to them that I submitted the debt verification letter and it was delivered prior to the XX/XX/XXXX date shown on the original letter. I was told I would be called back to discuss it further and I have yet to hear from anyone. Later this day I receive a letter in the mail stating that I did not dispute the debt and it was being added to my credit report. That letter showed I had a balance as of XX/XX/XXXX. 

On XX/XX/XXXX, I received notice from XXXX that the results of my dispute were that the debt remains as the company that reported the information has certified to XXXX that the information is accurate. 

This company did not follow the Fair Debt Collection Protection Act and followed through with debt collection and reporting prior to the allowable date they listed on the original debt collection notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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:
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries 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 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 XXXX 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 2024-12-06 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: IL

Complaint narrative:
I urge you to act swiftly in removing these unauthorized inquiries from my credit report. They are causing significant distress, and I have provided documentation for verification. Please expedite your investigation into this matter.

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 2024-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Fay Servicing, LLC
State: NJ

Complaint narrative:
the other complaint with fay servicing you closed i need re opened.not resolved. this complaint is is i continue to request copies of stmts i misplaced and current ones. due to my XXXX. XXXX XXXX their lawyer who only got involved after they filed their un necessary foreclosure, XXXX XXXX tells fay serviign not to answer me. I dont get answers explanation of payments, i just get a script saying This has been sent to the relevant dept. 
and then get no answer. XXXX XXXX 's answers are full of ommissions, commisions and distortions he tries to make it appear my concerns are baseless. Not true. 

I asked multiple times why XXXX payment shows a lower rate with higher payment. Given that I am fighting the un necessary foreclosure wherein i was not represented with due process due to extreme lawyer incompetence, Fay servicing is up to their old tricks and i will prove it. Send repsonse XXXX know they dont answer RESPA just say its all duplicative. 
but i dont get my answers not to payments why they are what they are, they just keep billing me fees like they have been known for all while breaching TPP and denying loan mod during pendemic where there was enough income. They send you copies i never received lying saying they offered me an appeal opportunity. I am very concernrded with this agency and the lack of functionality and have spoken to my senator and congressperson. I dont expect a lawyer in you but you just close complaints when the answer provided does not address concerns... I need fay serviciing to answer me not send to XXXX who thinks he can protect them from action i am taking I should not can not as a customer be denied answers just becuase he tells them not to answer me as its in litigation while your office has done nothing to help me and no i dont expect you to be a lawyer. for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
I filed a complaint against these people in XXXX. Consumer Financial Protection Bureau closed the case. They are still calling from multiple numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: NC

Complaint narrative:
I am writing to formally dispute the collection account that has been reported by your agency to my consumer report in relation to Jefferson Capital Systems LLC. There are significant concerns regarding the validity of this debt and the methods utilized by your agency in its collection efforts.

At the crux of this matter is the absence of proper validation information, as is required by law. Pursuant to 12 CFR 1006.34 ( b ) ( 5 ), your agency is mandated to furnish this information upon request. Regrettably, I have not been afforded the opportunity to review and contest the purported debt. Moreover, it is my firm belief that your agency has neglected to adhere to the appropriate dispute procedures delineated in 12 CFR 1006.34 ( c ) ( 4 ) ( 0 ). I have been deprived of a fair and equitable chance to question the accuracy of this account prior to its inclusion on my consumer report.

It is evident to me that your agency is engaging in practices that are deceptive and misleading, thereby contravening my consumer rights. Such actions are in breach of various legal statutes, including 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ).

It is impermissible for a collection agency to furnish information to consumer reporting agencies without adhering to the requisite legal protocols. Consequently, I insist that all collection activities pertaining to this account be halted until the essential validation information is provided to me, and I am accorded the opportunity to dispute the debt as outlined by the law. Failure to adhere to this request may lead to legal recourse being pursued against your agency. I trust that this issue will be promptly and earnestly addressed in accordance with the applicable regulations and statutes. Your cooperation in resolving this matter expediently is greatly appreciated. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: GA

Complaint narrative:
The following accounts are claiming to both own the same det, with a balance. As you know, this is not possible and also a violation of my rights. Due to this BOTH accounts need to be removed from my credit report immediately due to not properly validating the information in which a company has passed to you. Please delete immediately. When the requested below deletions are made, please mail me an updated copy of my credit report. 

Name : XXXX XXXX XXXX XXXX Highest Balance : {$12000.00} Account Number : XXXX Opened : XX/XX/year> 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 2024-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I can not current make any payments to my current mortgage account thru their online platforms ( both web browser and mobile apps ). There's no way to currently make a payment as their system states the following when trying to submit payment : Online payment scheduling is currently unavailable. The most likely reason is you have already scheduled an online payment. To see all currently scheduled payment dates, check the " Scheduled Payments '' tile. If you have not previously scheduled a payment, or need assistance, please call XXXX. 

I have not made or schedule any payment, as again the system wont allow me to make any payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 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: GA

Complaint narrative:
LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Reference # XXXX This company is reporting false information to my credit reports and will not provide the proof in which I have requested. I requested the following information from them and asked them to send the proof to my attorney in which have sent the original creditor a letter of proof. 

A copy of the Purchase Agreement ( NOT A BILL OF SALE ) Agreement that you have authority to collect on this alleged debt.

Agreement that bears signature of the alleged debtors with promise to pay the original creditor Complete payment history on this account, to prove that the amount you wish to collect is correct.

Them seem to ignore all letters from me and my attorney just as XXXX XXXX Did.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Delete payments shown as Late immediately. I did not consent and its in violation of my rights. 

I have not supplied proof under the doctrine of estoppel by silence. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exists. 
Wells Fargo Home Mortgage WFHM At all credit agencies has been defaming my name and has ignored the all 21 disputes.

This account is in violation of all sections of 15 USC 1681 ( b ). The creditor seeks maximum compensation for all 21 violations as per 15USC 1681n. Remove all late that are in blatantly in error immediately.

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 2024-12-06 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: GA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXXXXXX XXXX XXXX XXXX  Account Name : XXXXXXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: GA

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX  Account Number : XXXX XXXX XXXX Account Number : 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 2024-12-06 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: WV

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Identity Theft Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX I am writing to formally express my concerns and frustration regarding the TransUnion data breach that occurred in XXXX. As a victim of this incident, my personal and financial information has been compromised, leading to significant distress and ongoing issues with identity theft. TransUnion is inaccurately reporting my Social Security Number, posing a significant risk to my financial security and identity integrity. You have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | may presume that no proof of the alleged debt nor therefore any such debt in fact exists. 
Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.

Please verify and validate all data for thi
s unproven claim including the requisite certifiable Metro 2 Compliant Reporting Format Standard ( s ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the 426 characters of the P6 statement and all of its trailing fragments, and any other necessary aspect of factual reporting!

FCRA Violation : This misreporting violates Section 623 ( a ) ( 1 ) ( A ) of the FCRA, which requires furnishers of information to provide accurate information.

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 2024-12-06 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:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXXXXXX XXXX XXXX XXXX  - XXXX {$86.00} DATE OPENED XX/XX/year> 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 2024-12-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
Company Cash app accused me of violating terms and conditions.. Then without warning shut down my acccount. When asked for a explanation they would not provide one and this cost me days of work and place to stay and other hardship. The customer service is lacking and incapable of providing remedy. They must take responsibility for thier mistakes and as a united states company the customer is first.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
I am on the SAVE plan with Aidvantage. I recertified my income back in XXXX, as I was directed to do by Aidvantage. This put me into a XXXX month administrative forbearance, and they began charging me interest again during this time. I called and asked when the interest would go back to 0 %, as this is the government 's rule for those currently awaiting the fate of the SAVE plan litigation. I spoke to several Aidvantage reps and the first had no idea how any of it works, but the second rep told me that my XXXX month administrative forbearance would be coming to an end in 6 days, and then the interest would go back to XXXX. Well, it is now approximately XXXX weeks later, and the interest is still being charged. My loans are still listed as being on the SAVE plan, but the status now says " Awaiting Form Administrative Forbearance-Ends XX/XX/year>. '' So why is my administrative forbearance extended another XXXX months beyond the original two? I should be back on the SAVE no interest status while litigation is ongoing. My balance is increasing daily because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: PA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all 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 2024-12-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX Convert USDC XXXX XXXX XXXX UTC Receive USDC XXXX *** missing rewards here *** XXXX XXXX UTC Receive USDC XXXX *** above amount of reward is below expected *** XXXX XXXX XXXX Receive USDC XXXX XXXX XXXX XXXX Send USDC XXXX here is the math, and logic, i converted XXXX once i discovered that USDC rewards are not being received from this we can reverse XXXX - XXXX = XXXX was the balance since XXXX without doing complicated compounding math, XXXX * XXXX ( APY ) = XXXX ( annual expected reward total ) we then take the XXXX and divide by XXXX ( months ) = XXXX ( monthly reward ) XXXX * XXXX = total expected, currently missing XXXX of USDC reward for the balance XXXX held between XX/XX/XXXX and XX/XX/XXXX I have made numerous attempts to resolve this, tickets, phone call, coinbase subscription to expedite service, priority and response. 

Case # XXXX Case # XXXX I still did not receive the missing XXXX of promised APR on the XXXX balance held at Coinbase in XXXX thru XXXX, issue started in XX/XX/XXXX and resolved in XX/XX/XXXX. At which point I have converted the USDC to XXXX due to promised but missing APR rewards on help USDC. 

XXXX of approximately XXXX ( monthly USDC APR reward missing ) missing from XX/XX/XXXX ( partial ), XX/XX/XXXX - XXXX ( missing ), XX/XX/XXXX resumed.

Company response to consumer: Closed with monetary relief