vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I am writing to file a complaint against LVNV Funding for violating the Fair Debt Collection Practices Act ( FDCPA ). 15 U.S.C. 1692 et seq. LVNV Funding has been contacting me repeatedly about a debt that I do not believe is valid. They have called me at work, at home, and on my cell phone. They have also sent me threatening letters.

I believe that LVNV Funding is violating the FDCPA by engaging in the following practices : Calling me at inconvenient times, specifically at work. 15 U.S.C. 1692d ( 5 ).

Sending me threatening letters. 15 U.S.C. 1692e ( 10 ).

Trying to collect a debt that I do not believe is valid. 15 U.S.C. 1692g ( a ) ( 1 ).

I am requesting that the CFPB investigate LVNV Funding for violating the FDCPA.

Thank you for your time and attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
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.

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 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 2023-07-08 00:00:00
Product: Credit reporting, credit repair services, 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:
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.

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 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 2023-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FINEX Group LLC
State: CA

Complaint narrative:
I received a phone call from Finex Group LLC stating that I owe a debt on towing charges for a vehicle that I sold in XXXX. I let them know that I sold the car in XXXX and that I am not responsible for the debt owed as I submitted a release of liability form with the CA DMV at the time of sale. The car was found on a property in XXXX and I was notified by the local sheriffs department that the car was found. After a phone call with the CA DMV and Sheriffs Department, I was told I did not have any responsibility for the towing charges associated with the vehicle and that they will contact the buyer that I sold the car to in XXXX. ( The car was sold one more time after I sold it and both owners failed to register the vehicle ). The buyer that I sold the car to didnt have an address and refused to provide me an address, so the DMV advised that I list Transient on the release of liability to clear me of liability and it was successfully processed. Fast forward to XX/XX/XXXX. The employee that I spoke to at Finex Group LLC, XXXX, aggressively belittled me and argued saying that its my fault and responsibility for this debt even though the DMV and Sheriffs Department already cleared me of this responsibility. She asked me if I cared about my the negative impact this will put on my credit if I dont pay, which is a clear violation of the FDCPA. In addition, she stated that This debt is indisputable so [ you ] might as well get an attorney before I was even sent a letter and given a chance to dispute and investigate the debt that is not mine. This seems like an illegal and unfair attempt to collect a debt. Furthermore, I never received a bill or was ever contacted by the original towing company and had no idea of the charges. I filed a dispute with Finex Group LLC and they immediately invalidated my claim. Finex Group LLC used aggressive scare tactics and threatened a negative credit report if I didnt set up a payment plan that day for a debt that is not my responsibility and I would like this resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Amsher Collection Services, Inc.
State: SC

Complaint narrative:
I had a past due amount of XXXX owed to XXXX XXXX when I switched to a different carrier. XXXX XXXX shared my information to a debt collection agency ( Amsher collection services ) without my written consent or knowledge. This is aggravated identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09 00:00:00
Product: Credit reporting, credit repair services, 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, has 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 also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance to 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 Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX However they stated everything was complete and accurate. How is that possible if the open date, date of last activity and much more is incorrect? According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly. 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate Also they aren't in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, has 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 also states a consumer reporting agency can not furnish an account without my written instructions. This account has been paid in full per an IRS representative, I spoke with the IRS and the representative stated that XXXX XXXX XXXX XXXX has reported this account as a charge-off and that XXXX XXXX was obligated to send me a 1099C form. I have called XXXX XXXX XXXX XXXX and have written them several times to no avail Has this company sent me this documentation?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX at around XXXX XXXX I deposited a cash amount at a Chase Atm , a total of {$1800.00} in cash all XXXX dollar bills. Atm shut down mid process and the deposit didn't go through and no recipient was given as well as the moeny didnt get returned. I called immediately at XXXXXXXX XXXX and was told I was going to be credit for the {$1800.00}. On XX/XX/XXXX I was charged back {$1700.00}. I called Chase and was informed that they had audited the ATM and that they had only found {$94.00} despite only depositing $ XXXX. Tried to fix this through them but Chase doesn't not want to fix this saying that they can't do anything else. That I just have to eat it. I have spoken to a claim rep 3 times and superviser 2 times. They took the {$1700.00} and now want me to pay the {$1700.00} to get my bank balance back to {$0.00}. I have also insisted that cameras be checked and they say that no that it was already audited and no further actions can be done. I have told them about the discrepancy regarding only depositing {$100.00} dollars bills and them only finding {$94.00} dollars and have been told that they have nothing to say to that. That they don't have an answer to that.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Chime Financial Inc
State: AZ

Complaint narrative:
My direct deposit has been held by chime bank. They have record of the deposit from the IRS and say they can't release my funds due to their system being down recently and the deposit going past the expiry time. I've sent them confirmation of the deposit being sent to them and another document showing my entire tax return. They still said they basically can't help me until it's figured out by their team. My bills are now late, my truck payment is due in 5 days and i have XXXX dollars sitting in limbo somewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have been locked out of my banking application profile for about 5 weeks now. They display erroneous information on their website, saying that it will be resolved after 24 hours, however, this does not happen. I have called the customer care line repeatedly with no luck ; they end up transferring me to many departments and units with no resolution in sight. 

I escalated this initially and was told it will be resolved but the same thing is still happening. They claimed they resolved the issues and sent a response through XXXX, yet nothing was done

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I opened a new checking and saving account with my name only on XX/XX/2023 at a local branch in XXXX, MD. I used Citi Banks Global Transfer to fund my new account from my joint account with husband, changed my bills over to my new checking account, paid a credit card bill, and XXXX my daughter her allowance. On XX/XX/XXXX, I went to use my debit card, it was declined, so I went to log on to my Citi Bank account on line and was not able to log in. I called the help desk and after verification process they told me that I had to speak with the fraud department. I called the fraud department and they told me that my accounts were closed due to suspicious fraudulent activities which they were not able to tell me and said that a letter was in the mail with the reason. On XXXX, my husband and I went to the local branch and the banker called multiple people also, but she was told the same thing, that we would receive a letter as to why the account was closed and that we would receive our money in XXXX. Then the next day I received an email stating : Hi, XXXX. We periodically review customer accounts and assess account activity. Based on a recent review of your REGULAR CHECKING account, we found that you have violated the terms of your account per the client manual. 
As a result, your REGULAR CHECKING account and any other Citi accounts you have will be closed within 60 days of the date of this communication. All of your accounts are now restricted from receiving deposits or credits, effective immediately. 
They did not only close my account, but they also closed my joint account with my husband. Our joint account is used for all bills and daily living expenses. My joint account also has my quarterly and half year tax payments that are due on XX/XX/XXXX. We do not have access to any of our money and have no clue what we did wrong to cause this issue. 
At this point in time we are struggling to pay for groceries, gas, and bills. They have indicated that we would receive our money within the next XXXX after the account is closed by the bank. We cant see the activities on the accounts, have no clue what bills has been paid, or what they are doing with our money. They say that they will send us a check for what is in the account, but how are we to know if they took money out of the account or refund us the actual amount that they owe us. They are saying that it will take up to 60 days for them to process the payment. Im not sure how we are supposed to live, eat, or travel as planned.

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 2023-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
XXXX has been allowing my information to be released and I have been breached by the company and the report has not been updated to reflect the status of my account as payment is not received as paid but XXXX XXXX account is still showing up as not paid and my information from the accounts that are 7 or more years old and closed are still being used and my information on my background is not accurate because I was never convicted of the crime it was dismissed and the case is closed but the report is still being used in the account with XXXX and I dont want to be held accountable for the information that is being used

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09 00:00:00
Product: Credit reporting, credit repair services, 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: NC

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 XXXX XXXX, Account name : # XXXX, has 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 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 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 2023-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

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 XXXX XXXX, Account name : # XXXX, has 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 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 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 explanation
Consumer complaint received 2023-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian is playing games and giving me the run around Experian updates my credit file each month now they want to play games but send me this incomplete credit file. 

Report all made up address and so forth. 

I have also filed with the US Attorney and DOJ to the credit abuse practice and false address and phone numbers and information created by Experian as false info. 

This needs to stop due to its incomplete and false 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 explanation
Consumer complaint received 2023-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date of Birth : XX/XX/XXXX { Date } XX/XX/XXXX RE : Investigation Request to Delete closed accounts. 

To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #, along with original contract with legally binding signature. 
Closed accounts on my credit reports are inaccurate and not reflecting accurate information throughout each bureau. I request complete deletion immediately. 

INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly please investigate these : 1. { XXXX XXXX XXXX XXXX } { ac # XXXX } { Reason for Dispute : Grantor closed my account unlawfully after i requested late payment removed due to improper reporting and inaccurate information thus my reinvestigation request which was violated and never answered. instead creditor/grantor closed account with no notice. this constitutes fcra violation. This closure will affect my credit rating, worthiness and reflects inaccurate negative status. i will be pursuing legal action for punitive damages and improper procedure as per fcra law } { this account was closed by grantor and still reflects as open, i request immediate deletion } 2. { XXXX } { ac # XXXX } { Reason for Dispute : I HAVE NO KNOWLEDGE OF THIS ACCOUNT. Remove from my credit reports immediately } 3. { XXXX XXXX XXXX  } { ac # XXXX } { opened : XX/XX/XXXX } { Reason for Dispute : I HAVE NO KNOWLEDGE OF THIS ACCOUNT. Remove from my credit reports immediately } Lastly, please remove all non-account holding inquiries over 30 days old from my credit file. 

I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results including deletions of these accounts and inquiries off of my reports Truly, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief