vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against The Bureaus , Inc. for committing identity theft. I have never given The Bureaus , Inc. any permission to use any of my identifying information to commit mail fraud or aggravated identity theft by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 USC 1692e ( 12 ). I have not validated any alleged debt with The Bureaus, Inc., and my failure to dispute the validity of the alleged debt shall not be construed as an admission of liability. I have yet to receive any documentary evidence, such as a trilateral contract, giving The Bureaus , Inc. any right to collect on this alleged debt. It is in my belief that The Bureaus , Inc. are attempting unlawful extortionate activities and theft by deception by attempting to furnish false and deceptive forms. I have never received any documentation requesting validation from The Bureaus , Inc. before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer reports including but not limited to 15 USC 1692d ( 4 ) which the FTC defines as debt parking. If The Bureaus, Inc. can not provide me with proof, such as a tracking number, that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with the forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all legal activity, communication, and collection activity of this and any alleged debts until The Bureaus, Inc. can provide me with sufficient documentary evidence that I gave any legal obligation to pay them. If this documentation evidence can not be produced and The Bureaus , Inc. continues its collection efforts, I will file for litigation for actual damages caused and The Bureaus, Inc. will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are now hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against LVNV Funding LLC for committing identity theft. I have never given LVNV Funding LLC any permission to use any of my identifying information to commit mail fraud or aggravated identity theft by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article XXXX, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 USC 1692e ( 12 ). I have not validated any alleged debt with LVNV Funding LLC, and my failure to dispute the validity of the alleged debt shall not be construed as an admission of liability. I have yet to receive any documentary evidence, such as a trilateral contract, giving LVNV Funding LLC any right to collect on this alleged debt. It is in my belief that LVNV Funding LLC are attempting unlawful extortionate activities and theft by deception by attempting to furnish false and deceptive forms. I have never received any documentation requesting validation from LVNV Funding LLC before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer reports including but not limited to 15 USC 1692d ( 4 ) which the FTC defines as debt parking. If LVNV Funding LLC can not provide me with proof, such as a tracking number, that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with the forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all legal activity, communication, and collection activity of this and any alleged debts until LVNV Funding LLC can provide me with sufficient documentary evidence that I gave any legal obligation to pay them. If this documentation evidence can not be produced and LVNV Funding LLC continues its collection efforts, I will file for litigation for actual damages caused and LVNV Funding LLC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are now hereby notified Pursuant XXXX XXXX. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am requesting XXXX XXXX XXXX for closed acct # XXXX to remove the wrongly and false accusation of a late payment prior of closing account. XXXX XXXX the payment was not late and proccessed prior to account closure date. this is affecting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am requesting XXXX XXXX XXXX for closed acct # XXXX to remove the wrongly and false accusation of a late payment prior of closing account. XXXX XXXX the payment was not late and proccessed prior to account closure date. this is affecting 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 2022-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
Talked to SEQUIUM ASSETS SOLUTION of XXXX XXXX told them I had not used XXXX for more than XXXX years and all bills from XXXX were paid by the XXXX XXXX. And I also paid for a bill in full back in XXXX of 2020. I asked them to provide proof they didnt have it and all they said they will report me to the XXXX XXXX and impair my credit. I complaint to XXXX which was the first I knew and they never answered. To my knowledge this account is being sold to difeerent companies which are barred from collect the money and they claim they just reported. I need your help. Look at my credit and I just found out becuase I went to buy a washer at XXXX for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I told Equifax several times I have 2 accounts showing as duplicate account and affecting twice. the original accounts are being disputed every possible way and I will continue disputing for as long as I see it on my report indecently until it goes away. They just don't care and XXXX XXXX XXXX XXXX about what's on your report. XXXX XXXX accounts appears twice. So XXXX  do your job and fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
This accounts are inaccurate and false reporting. Please remove it from my credit report. 



XXXX XXXX / XXXX / {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX / {$190.00} Chapter XXXX Bankruptcy / XXXX / {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-24 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
This accounts are inaccurate and false reporting. Please remove it from my credit report. 



XXXX XXXX / XXXX / {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$190.00} Chapter XXXX Bankruptcy / XXXX / {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
This accounts are inaccurate and false reporting. Please remove it from my credit report. 



XXXX XXXX / XXXX / {$0.0XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  / {$190.00} Chapter XXXX Bankruptcy / XXXX / {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
EQUIFAX has continued to verify the XXXX XXXX account as accurate, I have attached the result of EQUIFAX Dispute dated XX/XX/XXXX. You can clearly see from original creditors payment history that the balance reported as of XX/XX/XXXX is ( XXXX ) however EQUIFAX continues to report a past due balance and the account as charged off. Remove XXXX XXXX account attached to this email because you are reporting a balance and a charge off that are not accurate based upon your own investigation. Furnishing incorrect information willfully on my report is a Violation of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient charged a " late payment '' to my credit account during the month of XXXX. I did not receive any prior indication that my loans would resume, considering my federal student loans are still on pause until XXXX of 2022. With Navient no longer servicing student loans, I was unable to find my account during the months of XXXX. It was only in late XX/XX/2022 when I was finally able to find my private student loans. The student loan pause was set to end on XX/XX/2022 ( which was later extended to XXXX ). There is no linear, nor reasonable logic as to why my credit was effected in such a swift manner. 

As of XX/XX/2022 I paid off {$10000.00} of my private loans- which was my entire balance. Navient sent an email within the same ( see attachment ) day stating, " Your loan will be closed within two Billing Periods from the final payment received date. ". 

The future of my financial well-being is at stake due to my current credit score being hijacked and delayed by Navient. With the Fed set to increase interest rates at an expected 6 more times this year, my odds of earning a reasonable interest rate on my home is all but lost unless Navient fixes a problem they started.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Credit card or prepaid 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:
I had put a charge on my chase freedom card on XX/XX/XXXX for XXXX for a XXXX charge. When arriving to the property with my family ( a member who is on active XXXX treatment and very susceptible to illness ) the house had not been cleaned from previous guest. The sheets were dirty, dishwasher filled with smelling dirty dishes, ice maker in freezer broken and leaking onto the floor. Surfaces in house sticky with crumbs. The dishwasher had not been started by the previous guest because it was broken and would leak on floor when started. We had to hand wash the dishes through our stay. I spent the first 2 hours of our short vacation cleaning the cabin to make sure my mother had a clean area. where we were not worried she could contract a XXXX XXXX XXXX. since on XXXX treatment that could be detrimental. I had spoken with the property manager at the time and was told " that is odd '' and that he will follow up with the owner about the broke appliances. He not once addressed the disarray the house was in. After our stay I called the property manager again getting no where so I called the company XXXX who told me that they cant help me. So my last resort was to dispute these charges for the cleaning fee with my credit card chase under the idea that services rendered were poor or not as described in the listing. Chase said because we stayed at the property instead of packing my family up and driving 3 hours back home they can not help me. After reading the Fair credit billing act its my understanding that I have some sort of recourse for poor service. They dont seem to think so... so I am reaching out to see my next options on getting this handled because my credit card company won't.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
Creditor : XXXX XXXX XXXX Inquiry Date : XXXX XXXX, 2021 Creditor : XXXX XXXX BANK XXXX XXXX Date : XXXX XXXX, 2021 Creditor : XXXX XXXX BANK XXXX XXXX Date : XXXX XXXX, 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act : XXXX XXXX Account # XXXX {$450.00}, 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 my written instructions 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-03-24 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act : XXXX XXXX Account # XXXX {$450.00}, 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 my written instructions 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: NC

Complaint narrative:
I have tried several times to get Equifax to do a proper investigation into the items I disputed. They verified the items without doing a proer investion and did not resolve my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
Several credit cards opened in my name. 
Opened XX/XX/2022. 
Credit line is {$5000.00}. 
Credit used is {$1500.00}. 
Reported this with all three credit agencies

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 2022-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ZWICKER & ASSOCIATES
State: OH

Complaint narrative:
i called to discuss a settlement on my account. the call was answered by a XXXX XXXX XXXX representying XXXX XXXX and his debt service Zwicker & assoc.

After a formal id check this person became intolerant and offered me an unreal settlement amount. After he offered me a cash amount for immediate settlement which is not possible. 
On further discussion he told me that my wife is able to settle this account in full. 
My wife has seperate financial accounts and is not responsible for me in any way. 
He insinuated I was a liar. He became rude and intollerant and ended the call

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I have contacted equifax time and time again asking them to assist me with being able to obtain an answer as to why I don't have a credit score with them, and the last time I had one was XX/XX/2018. They have repeatedly put me through a process having me mail in identification information, and when they have received the information, they mail a copy of my credit report, and put me through the same process all over again when I call. I need them to start allowing accounts to post to my credit and I also need equifax to update and generate a score for me as soon as possible. I have tried everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Experian Information Solutions Inc.

Complaint narrative:
Experian publishes False statements about the Law and the legal system ( workers ) run with it. The banks do not mind. This put a lot of people into situations where under pressure they agree to contracts in courtrooms, which are invalid. 

Because Experian and the Banks are misrepresenting the law. 

Example. 
XXXX " difference between write off and charge off '' The first link gets it right " A write-off means your creditor has forgiven your debt, and you no longer owe any balance to them. A charge-off, on the other hand, is bad news '' The third link gets it right " A charge-off and a write-off sound like two ways of saying the same thing, but they're actually two very different things. '' The second link, Experian, gets it wrong " Charged off and written off mean the same thing. '' Nowhere in the Civil Code does it say that a write off and a charge off are the same thing. 

And yet banks, like XXXX and Credit Bureaus, run with it. 
They write off debts, on paper, collect tax breaks because these are now losses on there XXXX which they file with the SEC but then they hire private contractors stating that the accounts have been charged off. 

When in reality they were written off. But they charge them off as well, to collect even more money because they're entitled to double dip and invent the law and intimidate people who are vulnerable. 

This is a racket. 
An account can not be written off and charged off.

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 2022-03-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I had the loan since XXXX with payment of {$530.00} monthly and still paying on the loan in XXXX because interest rate is higher than the legal amount. Interest rate is 23 % which only knocking off a couple hundreds a yr. I had a deferment not knowing it made my interest rate go up higher than on the original loan

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: WA

Complaint narrative:
I was away on XXXX XXXX when this was charged to my account, when I noticed my credit declining I decided to look into it more and noticed it was decreasing due to the amount of {$370.00} sitting in collections for me to pay. I instantly called XXXX sometime late last year after being released from military orders and I explained to the them this information and how I share the same name as my grandmother in case there was any confusion given that this is a medical bill and shes older and because I was on XXXX XXXX XXXX  all my medical would go through the military hospital and would be fully covered. They attempted to dispute this charge. I just found out this morning that this collection is back at AARGON Collection Agency so I called them back. They told me to either go to the police and tell them its fraud or pay it so my credit can go back to normal. I do not know what else to do, but it is ruining my credit and just want to get this resolved.

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