vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I HAVE NEW AND UPDATED INFORMATION ABOUT LVNV FUNDING LLC. Lvnv has been willful and neglient non compliance with federal law. They have violated my federally protected rights under the Fair Debt Collection Practice Act using abusive and harrasing practice to collect on an alleged debt.1.LVNV has been harassing me for multiple years, with over 100s of emails threatening to take legal action that can not be taken. 2. Lvnv compliance department responded and said they haven't used harassing tactics but attached are emails of them threatening to take legal action that cant be taken using harassing practice to coerce me in to paying the alleged debt. 3. XX/XX/2022 I sent an notarized conditional acceptance agreeing to pay the alleged debt if they can produce the documents listed on attachment within 10 days and they failed to do so which stated if they can not produce they can not rightfully enforce their claim, it as been XXXX months since they received the letter and still have not provided me with a lawfully claim I also sent an affidavit they failed to Rebuttal. 4. I have tried to resolve this issue and lvnv continued to threatened me with an lawsuit they have no standing on because a debt collector can not sue due to them not being the creditor and lvnv raised a claim against me in XXXX district court violating my federally protected rights. 5. When I called Lvnv and spoke with a representative she told me due to me disputing with the credit reporting agencies for two years against this account they brought a lawsuit against be which would be punishing me for exercising my rights. The complaint was pass the XXXX days and was not served to me but every time I wrote LVNV on cfpb they stated they could not respond because a case was pending when that was in fact a lie. They Illegal practices has and continues to cause me severe stress. They have sold my information to multiple companies to collect when they don't have the authority to have my personal information. Lvnv has failed to provide me with any information I asked for me to validate the alleged debt instead they continue to send the same statements when them and the creditor has different information listed its impossible to validate just off statements when I have a right to receive information according to the Freedom of Information Act. Attached documents to show proof They had 30 under the FDCPA days to validate the alleged debt or a copy of the judgement pursuant to 15 USC 1692 and they failed to do so. They compliance department also stated they do not have a time limit when the law says 30 days. This company has a problem with abiding by the law and shall be reasonably investigated for non compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This is a formal notice that you have failed to respond in a timely manner to my dispute letters of XX/XX/XXXX & XX/XX/XXXX, deposited by mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. You have failed to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I had maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC for your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX XXXX ), you may be liable for your willful non-compliance.

You exceeded your investigation and this need to be cured immediately. The attached item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Please delete this misleading information. Under federal law you had thirty ( 30 ) days to complete your investigation, yet you have failed to respond. Do not delay any further.

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 2022-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Absolute Resolutions Corp.
State: TX

Complaint narrative:
On XX/XX/XXXX, Absolute Resolutions filed a petition to collect a debt. My attorneys responded with answers, initial discovery, and written discovery in the court in the first quarter of XXXX. This was followed by aMotion for No-evidence summary judgment against Absolute Resolutionson the grounds that they failed to turn over any evidence in court to verify the debt and any ownership of it. On XX/XX/XXXX, the Court ordered a non-suit against Absolute Resolutions granting the motion for no-evidence summary judgment.They are in violation of credit reporting on this debt and through the court order are barred from bringing evidence into the court. 

Documents supporting these claims are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
During the bank of America on XXXX, XX/XX/XXXX XXXX and XXXX cash were stolen from the bank counter one after another, with a total of XXXX cash. The bank refused to provide any information that was stolen. I have called the police. The bank has delayed the time until today. I have made several calls and were refused the stolen information and refused to make a claim. I complained to many departments but no response.

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 2022-06-09 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: AL

Complaint narrative:
Credit ran by multiple financial services without my permission. XXXX XXXX XXXX; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX  ; XXXX XXXXg 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 .

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 2022-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
Disputed debt via USPS certified mail with tracking number # XXXX to dispute debt. I do not owe this debt. despite me disputing it, they still reported it to credit bureas on XXXX XXXX ( got Two letters back to back from XXXX XXXX XXXX XXXX Received notification from credit bureaus this week that i have a negative account on there. Called and spoke to XXXX on XX/XX/XXXX around XXXX AM EST but she insists that she is allowed to report it. Per the FDCPA, They can not dispute a disputed debt until they satisfy all components of my dispute. My dispute included for them to Verify debt, verify company, send last billing statement, original contract and all payments made regarding that contract, and to verify that they are a licensed debt collector in michigan. Despite me saying all this, she still said that wont stop them from reporting it ( I.E threatening to report to credit an unverified debt ) Didnt care to take tracking number, sent me to supervisor who did not answer. This company is acting illegally when it comes to collecting/reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: OH

Complaint narrative:
This company is trying to collect a debt from me that I do not owe. I have written this company twice and they refuse to respond to me or take any action. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRANKLIN COLLECTION SV XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim I OWE {$110.00} FOR A COLLECTION. This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: EQUIFAX, INC.
State: PR

Complaint narrative:
I have spent too much time disputing erroneous information on my credit and the bureaus have not had the responsibility to respond to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX BANK XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX BANK XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # 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 non-monetary relief
Consumer complaint received 2022-06-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Sorry, I don't have exact dates because I didn't think that this would become a problem. Last fall I contacted PayPal by phone because I couldn't close my account online. Their website would not let. me. The person I spoke to told me what I should do, and I did that and waited. After a few weeks of no contact, I called again. This person told me to do something else to do ( submit a debit card ). Which I did. Weeks later I called a third time to find out what was happening, and was told something else to do. Which lastly, did not work either. I go to the website to try to have them send my my money and close my account, but even with numerous updates. The website still doesn't work for me and there is no one to contact, except foreign operators that have no authority to help. My account still has {$320.00} remaining in it and all I want to do is to close my account with them and have them send me my money. I just don't use their services anymore. They have sent me money many times in the past when I requested it. I literally can't figure out what their website problem is and no one on the phone can help me. 

Name ; XXXX XXXX XXXX ; XXXX ( or ... pm.me ) Address ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone ; XXXX, home, can call anytime ( must be human, not XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Accounts " XXXX, XXXX XXXX, and 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 2022-06-09 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Accounts " XXXX, XXXX XXXX, and 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX loans have all been paid in full and closed over XXXX days ago and it still reports as open 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 non-monetary relief
Consumer complaint received 2022-06-09 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: IL

Complaint narrative:
In accordance with the Fair Debt Reporting Act. 

XXXX  XXXX XXXX is violating my rights. I have NOT given them any written consent permission. They did HARD INQUIRIES on XX/XX/XXXX, XX/XX/XXXX on Transunion, XXXX credit profile, lowering my credit score by XXXX points. Without my permissionand there was NO purpose. 

After speaking with XXXX XXXXXXXX XXXX representative : XXXX XXXX XX/XX/XXXX, she stated " there was NO new application from me asking for credit or services. '' I asked for a copy of my signature on XXXX  XXXX XXXX application. 
She stated " she could NOT send me a copy of my signature due to XXXX  XXXX XXXX NOT having a new signature on file. '' The XXXX XXXX remains on my profile. 

According to : 15 U.S.C 1681a ( 2 ) Permissible Purpose of consumer report. My rights are being violated.

15 U.S.C 1681 Section 604A Section 2 Also states : A consumer reporting agency can not furnish an account without my written instruction.

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 2022-06-09 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I sent Experian a written request XX/XX/2022 to verify their method of verification of a collection account on my credit report. The Account named XXXX XXXX  XXXX XXXX in the amount of {$11000.00} appeared on my credit report XXXX of XXXX. I disputed the item as not mines and asked Experian to investigate, I was told the company verified my information as correct. When asked to provide me with that information i was told by multiple associates in the dispute team as well, as supervisors that they were provided my social and written information from the furnisher and would not provide me with that information although it is my right under the FCRA.

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 2022-06-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: MO

Complaint narrative:
On XX/XX/2022, I went to U.S. Bank XXXX branch at XXXX XXXX XXXX, thinking to open a bank account, choosing this U.S.bank because of its convenient location and close to my home. 

Customer service representative XXXX XXXX XXXX greeted me, after knowing that I want to open a new account, she presented a promotion flyer to me. The promotion is that new customer can earn up to {$500.00} by opening a new qualifying account and enrolling in online banking or mobile app, then completing 2 or more direct deposits within 60 days. I still have this promotion flyer together with other new account paperwork. I can provide this promotion flyer if needed for investigation. 

XXXX helped me set up a new account and downloaded mobile app and online banking. I set up direct deposits in the following days back home. Within 60 days, more than 2 direct deposits have been completed in my new U.S. bank. 

But as of today XX/XX/2022, U.S. Bank still did not deposit the {$500.00} bonus into my bank account. I already contacted U.S. bank but U. S. bank refused to honor {$500.00} bonus.

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 monetary relief