vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This debt collection agency has engaged in prohibited practices under the FDCPA, which include abusive, deceptive, and unfair conduct. They have reported an account for which there was no agreement or signed contract on my part. A legal contract necessitates the agreement of both parties, and I was not involved in any such agreement. Furthermore, they failed to follow the proper five-step validation procedure, further contributing to these unfair practices. The balance on my credit report does not match the balance I have with the original creditor. Additionally, there are discrepancies in the data they have furnished. It raises questions when the " date last active '' differs from what another credit bureau is reporting, as all information should be both complete and accurate. Moreover, I was never provided with correspondence notifying me that this account was sold to LVNV FUNDING LLC, which is a clear violation of regulations. There was no communication sent to me by mail leading up to the reporting of this collection account, even though it was added in XX/XX/2022. I am formally requesting a copy of any correspondence that was mailed to me during that time, informing me of the debt with your company. Failure to provide this documentation would constitute another violation under the FDCPA, which entitles me to seek {$1000.00} per violation. If this account is not removed and payment is not made within 15 days, I will have no choice but to involve my legal attorney to pursue this matter through small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 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: CA

Complaint narrative:
There is information disallowed by federal law that is on my credit report. This is suppose to be excluded. I never gave my consent in any form for this excluded information to be on my credit report. I am being taken advantage and harmed by XXXX XXXX disregard of the law.

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 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have requested for a security freeze to be placed on my consumer file. Equifax has yet to meet my request so Ive sent another letter to request a security freeze. Its been so hard for Equifax to respond to me. They will have you waiting months before getting back a response. I have mailed the required documents to identify myself so that the security freeze can be placed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 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: NJ

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 U.S.C. 1681. 
Account Name .... XXXX XXXX XXXX ... Account XXXX XXXXXXXX XXXX XXXX Account # XXXX 
XXXX... Account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX. Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX15 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 instruction. 15 U.S.C 1681 C. ( 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 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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 2023-09-23 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: NJ

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 U.S.C. 1681. 
Account Name .... XXXX XXXX XXXX ... Account XXXX XXXX XXXX XXXX  Account XXXX XXXX 
XXXX... Account XXXX XXXX XXXX.. Account XXXX XXXX XXXX XXXX ... Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... .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 instruction. 15 U.S.C 1681 C. ( 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 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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 explanation
Consumer complaint received 2023-09-23 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: Global Lending Services LLC
State: IL

Complaint narrative:
I noticed unauthorized inquiries on my credit report that I did not authorize, I would like those inquiries to be removed. According to the FCRA these unverified and unauthorized items must be removed.

Heres a couple inquiries I do not recognize. 

GLOBAL LENDING SERVICES XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have sent disputes for the last 3 months but have not received any updates or an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Hollis Cobb Associates
State: GA

Complaint narrative:
Hollis Cobb Associates is a debt collection company which has sent to notices about two assumed debts owed to XXXX XXXX XXXX XXXX. Hollis Cobb Associates have failed to sent me proper notice of verifications that's clear and conspicuous the debts are owed. I have attached a letter of concerns and a copy of letter Hollis Cobb Associates sent with the information the Company will need to follow up. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 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:
After reviewing and studying the Fair Credit Reporting Act, I found a law called 15 USC 1681 section 602 a, which says credit reporting agencies like Equifax, XXXX and XXXX, must treat people fairly, be impartial, and respect their privacy. I'm one of those people, the consumer, and I have the right to make sure my private information isn't shared, as backed by 15 USC 6801. This law states that every financial institution, including those " Furnishers of information to credit agencies, '' has an obligation to protect my privacy and the security of my personal information. 

I found another law, 15 USC 1681 section 604 a section 2, that says these credit agencies can only share my information if I tell them in writing that it's okay. But they never got my written permission. Additionally, I have student loans with XXXX, and they have reported information about my loans without my explicit consent. 

I found yet another law, 15 USC 1681C ( a ) ( 5 ), stating that these agencies can't keep sharing negative information about my financial history without my permission, unless it's criminal records older than seven years. But they're doing that, and it's against the law. 

Regarding my closed XXXX account, they shouldn't be reporting it negatively without my permission, which is also protected by 15 USC 1681C ( a ) ( 5 ). 

Also, 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states that if someone knows that the info they're giving to the credit agencies is wrong, they're not supposed to do it. And 15 U.S. Code 1681e says these agencies are supposed to have good procedures to make sure they follow the rules. But it seems like Equifax, XXXX and XXXX aren't doing that. 

All of these so called debt collection agencies, XXXX and XXXX alike are committing securities fraud. According to 12 CFR 1016.7 states that I can say " stop sharing my information '' at any time. So, I'm telling them to stop reporting this information without my proper consent. These are the following agencies I would like to opt out of sharing my information with, including but not limited to : *XXXX XXXX XXXX ( AXXXX XXXX XXXX ) *XXXX  * XXXX * XXXX XXXX XXXXXXXX My XXXX account is collectively over {$39000.00} and my XXXX account is {$260.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Global Tel*Link Corporation
State: NJ

Complaint narrative:
I sent an initial complaint ( detailed below ) on XX/XX/XXXX as I was directed when I phoned their offices. It was sent to XXXX. I received no response, so I sent a 2nd complaint using the form on XXXX 's site on XX/XX/XXXX. This likewise brought zero response - other than a form message saying, " All emails will be addressed in the order received. '' I sent XXXX separate money transfer requests to the account of XXXX XXXX. XXXX stole my money EACH TIME and never remitted any of the transfer requests to the inmate. They also never contacted me to make me aware of any problem with the transfers. They simple deposited all my money in their bank account and never communicated with me. 

XXXX 's inmate number was shown as XXXX. But he now shows as inactive in their system. Their site doesn't make clear when he became inactive, nor what it entails. I later found out from relatives that he is under the Maryland Department XXXX XXXX. 

I only became aware that XXXX never received any money when I logged on to send additional funds and found the comment that he was " Inactive '' - with no further explanation. '' In speaking to other family members about the " Inactive '' status, XXXX said he has NEVER received anything in his account from me. 

When I first tried to phone XXXX 's offices on XXXX XXXX, I was asked for the first XXXX digits and the last XXXX digits of my credit card and the employee came back to say she could find no deposits from that card number. That just does not compute at all. Something weird is going on. She told me I had to get my bank statements as proof the money came out of my account. 

This request boggles my mind since EVERY deposit I ever made to XXXX 's account is reflected right in my XXXX account online under my login. As to why I need credit statements to prove anything that's CLEARLY proven in XXXX 's file logs is beyond me. The employee, XXXX, said he could not see my payments in XXXX 's own system. That just does not make sense. How can I see the payments but they can't? It seems clear that fraud was the intention right from the start and even the lower level employees are in on the scam. 

I sent XXXX XXXX ( from my credit card statements ) that the transfer payments came out of the very card which they claim they had no record of. The transaction dates were XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each transfer was for {$25.00}, plus I was charged fees in the amount of {$3.00} for each transfer. XXXX at XXXX said the bank Reference No was the only info needed for verification. My bank also said the Reference No. on the transactions should provide the verification needed to prove the transactions occurred. 

I requested that ConnectNetwork refund the transfers to me ( NOT the inmate ) so I can avoid filing claims in federal court. But I have nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 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: IN

Complaint narrative:
Im attaching documentation of a paid debt and removal from credit report which is still appearing on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 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: CA

Complaint narrative:
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT In accordance with the Fair Credit Reporting act XXXX Account # The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$13000.00} 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 written instructions. Discrepancy with the ( amount being reported ), ( dates being reported ), ( Item Numbers being reported ), and ( Item descriptions being reported )

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 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
The following companies have asked for credit information AND I have not asked for credit or anything. When I called these companies they say it wasnt them. The following companies & dates follow XX/XX/23. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23 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: AZ

Complaint narrative:
I have sent in multiple to letters to have these items removed from my credit report due to the items being wrongfully applied to my credit profile and will like for these items to be removed ASAP. This is hindering me from having my report 100 % accurate and the FCRA states my report should be 100 % correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23 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: HI

Complaint narrative:
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 2023-09-23 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: Experian Information Solutions Inc.
State: HI

Complaint narrative:
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 2023-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
On XX/XX/ I asked the company to send me proof of the wet signature for the alleged contract for the creditor. On XXXX  they sent nothing more than a billing statement from the original creditor. This is violation of my privacy and consumer rights 15 US Code 1681s-2 responsibilities of furnishers of information to consumer reporting agencies. This information is inaccurate and has caused pain and suffering as well as time wasted. The IRS clearly defines a charge off as gross or ordinary income. Income does not get reported on the consumer report which in fact makes your reporting of this account inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
An account with JPMCB was delinquent in XXXX and listed as charged off in XX/XX/XXXX. The account has remained in that status since. JPMCB contacted all 3 bureaus and has the account updated to reflect closed as of XXXX  This action caused my credit score to drop by more than XXXX XXXX. I have successfully disputed this with XXXX XXXX XXXX XXXX XXXX  will not correct the error. 

I am not disputing the debt but the information about when the account was charged off is incorrect and multiple credit reports generated prior to XX/XX/XXXX will show the first delinquency and the original charge off date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: TX

Complaint narrative:
I have 3 credit cards from US Bank.

Changed my payment bank account to new bank account. But US Bank can't handle it at all. When i am trying to setup auto pay, I am getting this error : Our system isn't cooperating. Please try again.

Our system isn't cooperating, Please try again. 


Talked to customer service on XXXX XX/XX/2023 during XXXX XXXX  onwards. Later to supervisor. Nobody is of any help - in fact they don't know what are they talking about?

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