vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to dispute and request an immediate investigation into certain items on my credit report, which I believe are reported inaccurately. After reviewing my credit report, I have identified discrepancies that are causing significant harm to my creditworthiness. I kindly request that you conduct a thorough investigation into these matters and provide me with the results in a timely manner, as required by law. If any documentation or clarification is needed, please inform me promptly. The following items require your immediate attention : XXXX XXXX XXXX and XXXX XXXX XXXXXXXX. I do not recognize this public record, and it is not associated with me. Reporting this item is erroneous, and I request its immediate removal from my credit file. This inaccurate information is detrimental to my creditworthiness and must be corrected : XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX Filed on XX/XX/2017. Failure to address and correct these inaccuracies within the stipulated timeframe will leave me with no choice but to pursue legal action to rectify the harm caused by these reporting errors.

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 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: OH

Complaint narrative:
I went to the bank to open a business account and they could not verify my identity and they stated that the report from chex systems came back identity error showing two names on the report when there can only be one name. I previously sent them the court order to remove the old name and they are refusing to correct the report thus causing a bank error with the identity and they are aware that it is creating an identity error. This is a form of identity theft that they are creating within the system because they know that it is wrong and are refusing to correct it. I have sent a copy of my drivers license, social security card, court order and letter disputing the information and they refused to remove the security freeze eventhough I never placed it on my profile. I told them I wanted them to permanently remove it because I never requested it. 

Documents were attached that were sent to them the letter was sent by mail.

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 2023-12-12 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are a number of derogatory accounts reporting on my file that the credit bureau repeatedly fail to comply and properly validate. The information reporting does not belong to me and a result of identity theft its violation of my consumer rights pursuant to the FCRA. I would like this information removed 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 2023-12-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: January Technologies, Inc
State: WA

Complaint narrative:
Hello my name is XXXX XXXX, In XXXX, I opened an account for a XXXX  XXXX issued by XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX. After making all payments on time, I fell behind on a few and had a balance of {$780.00} as of XX/XX/XXXX. XXXX  wanted a minimum payment of {$300.00} and I informed them I could not make that payment. 

I received a call from a women named XXXX and she was my case manager for XXXX, and she offered me a settlement offer of {$620.00} in two payments of {$310.00}, and i accepted the offer. She gave me a confirmation. number of XXXX, and i sent in two separate money orders for {$310.00} each. She said once she received both payments my account would be considered paid in full and closed. 

Fast forward to XX/XX/XXXX, XXXX I am sent a letter from a collection agency called XXXX XXXX claiming that I owe {$470.00} to XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX from XXXX XXXX XXXXXXXX XXXX The letter says XXXX XXXX XXXX has placed the above referenced account with our office for collection. They have date of last payment as XX/XX/XXXX. As the letter stated, I had 30 days to dispute this claim and i did just that. 

I called XXXX XXXX and explained to them that I had accepted a settlement offer form XXXX  XXXX in XXXX and paid the {$620.00}, and I do not owe the {$470.00} they claim I owe. They would not take this message as the answer and kept on harassing me. On XX/XX/XXXX, I wrote XXXX XXXX a cease and desist from contacting me letter, and in the letter, I also wrote that if XXXX forwards or returns this supposed debit to another company they need to inform them to cease and desist any kind of contact with me as well. 

XXXX XXXX ignored my cease-and-desist letter by turning over this ridiculous and false claim to a collection agency called XXXX XXXX XXXX, XXXX, who continued to try and make me pay the {$470.00} that I do not owe. I called XXXX and informed them as well that I had settled this matter in XXXX and I do not owe any more money. XXXX XXXX XXXX eventually stopped contacting me until they turned me over to yet another collection agency. 

On XX/XX/XXXX, I received my first email from the collection agency XXXX XXXX XXXX XXXX A person named XXXX says they were hired to collect on my XXXX  XXXX Credit Card balance. This account was originated by XXXX XXXXXXXX XXXX XXXX XXXXXXXX and the current creditor is XXXX XXXX XXXX. XXXX are still trying to collect the {$470.00} for the account ending in XXXX. 

Now I have been dealing with this issue that I was told was concluded in XXXX of XXXX, and I need your help in bringing this issue to a close. I do Not owe {$470.00}. 

Thank you for your time, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 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: FL

Complaint narrative:
I am filing another complaint against Experian regarding inaccurate information on my credit report. The issue at hand involves Experian reporting three accounts that do not belong to me, and the Address Identification Number ( AIN ) associated with these accounts, XXXX, is linked to an address that has never been associated with me. 

This erroneous information has a significant impact on my creditworthiness and financial standing. I have attempted to address this matter directly with Experian without resolution. Despite providing evidence that these accounts are not mine and that the associated address is unfamiliar, the inaccurate reporting persists. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to rectify the inaccuracies on my credit report. Your prompt attention to this issue is crucial in preserving the integrity of my credit history and ensuring fair and accurate reporting.

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 2023-12-12 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: GA

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 Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 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 2023-12-12 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:
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 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 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Can you update my address and name on my credit profile.

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 2023-12-12 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: FL

Complaint narrative:
I sent a letter requesting to verify and validate debt on XX/XX/XXXX and to give me information that they are able to collect. I also informed in the letter that I have not received any information from them about the debt they are attempting to collect I was not aware. So on XX/XX/XXXX submitted a disputes with all three credit agencies as unknown or dont because I did not know this was a debt that was being collected on only response was that the information was accurate and nothing else. They have also updated on my credit every month under two different names Resurgent and LvNV funding. They have two accounts reporting negatively on my credit report and is preventing me from buying a home. This is not right I did not know that they were attempting to collect any thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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:
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or 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 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 2023-12-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2023 I made 2 authorized purchases through XXXXXXXX XXXX XXXXXXXX XXXX for the amount of {$140.00}. 

A few days later when I checked my bank statement, I noticed that there were fraudulent charges by a similar company called XXXX '. 
After I noticed that there were over XXXX charges ranging from $ XXXX {$3000.00} for a total amount of {$11000.00}, I instantly called chase bank to report those charges as fraud. 
After talking to a fraud specialist, they stated that the charges would be reversed back into my account because I didn't authorize them. 

Chase bank did reverse all the charges in XXXX. 

Then, a few months later, Chase charged my account again for ALL the fraud charges saying that I was responsible to pay for all of them. 

When I contacted them, The fraud department stated that they received an invoice from the fraudulent company " XXXX XXXX' with my name, email, and phone numbers-which is all public information. The invoice did not have any of the company 's information, except a non-working telephone number. 

I spoke to XXXX XXXX fraud department manager ) on XX/XX/2023. He stated that after further investigation, I was at fault for the fraud charges. I clearly asked him, what specific documents could I get in order to prove that I did not authorize those charges. He went on to say " I DON'T KNOW ''. 
I asked to escalate my claim and speak to HIS manager and XXXX said " I could only speak to ONE manager a day ''. I tried to call several times after this initial call and everyone I spoke to said they could not do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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:
Please remove fraud accounts and inquiries Per ftc report attached. Police report on file XXXX XXXXXXXX XXXX XXXXXXXX opened XX/XX/2023 2023

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 2023-12-12 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect
State: WI

Complaint narrative:
On XX/XX/2023, Americollect said, " Americollect believes that its information is accurate. '' I know that the information provided by Americollect is inaccurate. The addresses are inaccurate, I did not receive medical attention in XXXX, Wisconsin. Furthermore, the debt amount that Americollect seeks is inaccurate. Enclosed is the documents showing discrepancies. 

Americollect sent an itemize statement with a total balance due {$1500.00}. 
XXXX XXXX shows the total amount of {$1300.00}. 
The account number is XXXX. 
It seems as Americollect added interest to a medical bill. 

The other medical debt that Americollect reported is inaccurate as well. 

The Fair Debt Collection Practices Act prohibits debt collectors from using abusive, unfair, or deceptive practices to collect debts from people, including : Misrepresenting the nature of the debt, including the amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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:
XXXX According to the reports, this account was opened on XX/XX/2018. It shows " charge off '' in the status section. Any debt that has been charged off is now a certificate of indebtedness, which is considered income and should NOT be on my credit report. This is a violation of 15 U.S. Code 1681, which is attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Can you update my address and name on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC
State: WI

Complaint narrative:
Shellpoint Mortage It reflects 60-days late on my credit report for account # XXXX. I have attached a copy of the deferment letter. My loan has been in deferment from XXXX XXXX XXXX, I was informd that while my loan was deferment and they was trying to work out a mortage plan for me to keep my home, my credit score would not be affected, and they would not report my payments as late. But inside they did to all credit bureaus. 


XXXX XXXX XXXX deferment it reflect 90-days late on my credit report account # XXXX I have attached a copy of the deferment letter. My loan was defermened and they was trying to work out a mortage plan for me to keep my home, credit score would not be affected, and they would not report any negative action to the credit bureau. XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I am writing to file a formal complaint against LVNV Funding, Resurgent Capital Services, XXXX XXXX XXXX, and XXXX XXXX XXXX for their handling of an alleged debt. I believe their actions constitute multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and other consumer protection laws. 

Lack of Debt Validation ( Violation of FDCPA 809 ( a ) ) : In or prior to XX/XX/2023, XXXX XXXX XXXX sold an alleged delinquent debt to LVNV Funding, who then referred it to Resurgent Capital Services. Despite my repeated requests for validation of this debt in XXXX, XXXX, and XX/XX/2023, including specific requests for the cardmember agreement and proof of debt reassignment, Resurgent Capital Services failed to provide sufficient documentation. Instead, they repeatedly sent a 2-page copy of a bill, which does not satisfy the requirements for debt validation under the FDCPA. 

Multiple Collection Attempts for Unvalidated Debt : Despite the lack of proper validation, LVNV Funding continued to engage in collection activities through credit reporting and other means. Furthermore, another collection agency, XXXX XXXX XXXX, also attempted to collect the same debt. This was followed by XXXX XXXX XXXX making a new collection attempt in XX/XX/2023. All these attempts were made without providing the necessary validation documentation. 

Repeated Sending of Insufficient Information : Resurgent Capital Services repeatedly sent the same insufficient bill copy in response to my validation requests, which demonstrates a disregard for their obligation to provide comprehensive debt validation as per the FDCPA. 

Reporting to Credit Agencies Without Validation : LVNV Fundings continuous reporting of this debt to credit agencies without providing validation is concerning and potentially violates the FDCPA and the Fair Credit Reporting Act ( FCRA ). 

In light of these issues, I request the CFPB to investigate this matter and take appropriate action against LVNV Funding, Resurgent Capital Services, XXXX XXXX XXXX, and XXXX XXXX XXXX for their non-compliant debt collection practices. I am seeking a complete cessation of all collection attempts until proper validation is provided and any incorrect credit reporting to be rectified. 

Enclosed are copies of all correspondence with the aforementioned agencies, along with records of my requests for debt validation and their insufficient responses. 

Thank you for your attention to this matter. I am looking forward to your prompt response and assistance.

Company response to consumer: Closed with explanation