vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: WI

Complaint narrative:
Resurgent Receivables LLC XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, ID XXXX To : The Office of Registered Agent for Resurgent Receivables LLC From : XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX are authorized to administrate ( acting trustee ) on the XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX. Courts require your contract for jurisdiction. 
Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to theConsumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation forMonetary damages. Also be advised any medical records shared without my consent is a violation of my privacy and HIPPA. 
Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you! 

I swear under penalty of perjury that all of the above mentioned information is true and accurate. 

By : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-11 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 XXXX Acct # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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 2022-04-11 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 XXXX Acct # 1XXXX 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. 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: TN

Complaint narrative:
Debt has been paid since XX/XX/XXXX but is still reporting to XXXX as unpaid and has only updated as I only paid {$1.00}. I have gotten in touch with company and they keep saying it should have updated. But the only update I have is a {$1.00} dollar decrease

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Today Sunday XX/XX/2022 my significant other was helping me to apply for a job online for a postal Service ( XXXX XXXX XXXX  ). The information said that I was to pay for a registeration fee of {$38.00} along with a processing fee of {$9.00} totaling to a full fee of {$47.00} and that if I did not get the job I would get refunded double the amount. I put my information such as my name, address, email and card information in and applied. The charge was taken from my Chase Bank account at around XXXX pm. After a couple of hours later at around XXXX pm my significant other called to tell me to wait to apply because she wanted to do more research on the website and application because it could be fraudulent but I told her I already applied and that she should have told me a bit earlier. I locked my card on the Chase Bank app. At the moment right now I can not dispute the transaction do to the fact that the charge is still pending even though the charge was taken out of my account. I tried to call my Bank but at this time of the day no one is on duty so I have to wait until tomorrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act DEPT OF ED/XXXX  Acct # XXXX Loan amount {$1700.00}, and Acct # XXXX Loan amount XXXX. Late payment dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166b A creditor May not treat a payment on a credit account under an open end consumer credit plan as late for any reason.

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 2022-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc.
State: MO

Complaint narrative:
Binance.us arbitrarily deactivated my account and I am not sure if any funds remain in it -- I have a times had six figure balances there, so I need to get it to verify the value of my account and get any remaining funds out. Second, I need my transaction data so I can do my taxes. This company is a fraud, others have had this happen to and there is no one to contact. They are ripping off consumers. Please help, I only need access to verify my funds are cleared out and to get my transactions for taxes. Thanks, XXXX XXXX XXXX is the email chain with Binance, I have tried before and they just go silent and never respond ( note newest message on top, original message at end ) I wrote : XXXX XXXX, 2022, XXXX PDT Filing a complaint against Binance.us with the Consumer Financial Protection Bureau ( CFPB ). I expect a response to this matter and to gain access to my account to get transaction data and verify no remaining funds. Binance.us is committing financial fraud. 

No Response from Binance I wrote : XXXX XXXX, 2022, XXXX PDT I need my transaction data, where do I get it. And how do I verify that there are no longer any holdings in my account and that Binance.us isn't just stealing my funds? 
Please advise. XXXX XXXX XXXX No Response from Binance I wrote : XXXX XXXX XXXX XXXX PDT I do not understand. I have no ability to get into my account to even check for account balances or to get my transaction data to complete my Federal and State Income taxes. You are not abiding by the law, I have rights, you have obligations. I will seek remedies and turn your over to the SEC, and the DOJ if this is not immediately resolved. XXXX XXXX Binance wrote : # #- Please type your reply above this line - # # Upon completing a review of your Binance.US account, we regret to inform you that we will no longer allow you to use Binance.USs services. 
We have closed your account due to a violation of our Terms of Use ( https : //www.binance.us/en/terms-of-use ). Our decision was based on numerous factors, including but not limited to our commitment to abiding by all Federal and State laws and regulations, as well as adherence to our own policies and procedures. Unfortunately, we can not elaborate on why we have made this decision. 

Please note you have XXXX hours to withdrawal any account balance remaining on your account. Thank you for your understanding. 
This email is a service from Binance.US. Delivered by XXXX XXXX XXXX ] I wrote : XXXX XXXX XXXX  XXXX PDT I have been locked out of my account for some time now and put in other requests to restore my credentials. I have need to trade and also need access to my transaction data for taxes. Please advise asap, I need to do my taxes. I can be reached at XXXX or XXXX. Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXXXXXX acct # XXXX, XXXX XXXX acct # XXXX. has violated my rights. 

15 U.S.C. 1681 section 602 ( a ) states I have the right to privacy.

15 U.S.C. 1681 section 604 ( a ) section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681 section s-2 ( a ) ( 1 ) ( A ) states 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 2022-04-11 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXXXXXX XXXX XXXXXXXX acct # XXXX, XXXX XXXX acct # XXXX. has violated my rights. 

15 U.S.C. 1681 section 602 ( a ) states I have the right to privacy.

15 U.S.C. 1681 section 604 ( a ) section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681 section s-2 ( a ) ( 1 ) ( A ) states 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 2022-04-11 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: PA

Complaint narrative:
n accordance with the Fair Credit Reporting act Convergent Account XXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish 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 2022-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MN

Complaint narrative:
XX/XX/XXXX The servicer Ocwen changed names/sold servicing rights to PHH/XXXX XXXX They locked us out of the online account, and are still to this day locked out of our account. 
They held our payment in suspense. They sent the note to a foreclosure status. They charged foreclosure fees. 
Then the COVID pandemic hit. 
They held payments in suspense and then resorted to the refusal and return of the payments. 

They have also refused the Pandemic Relief Monies to assist HOMEOWNERS basing it on their statement that we, the homeowners were behind in our mortgage payments..when in fact... had they not held the money in suspense we, the homeowners would have been " current '', and therefore would qualify for the COVID assistance. 

To this current date, PHHXXXX XXXX sent a trial period modification with everything due by XX/XX/XXXX, along with a letter claiming they can not provide COVID assistance. 

The prior servicer had religiously taken our money, held the funds in suspense, and " forced '' loan modifications ( most current was XXXX ) that were extremely inaccurate and financially detrimental. 

We have hired a couple attorneys, a forensic accountant, and enlisted the help of a local housing authority agency, 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 explanation
Consumer complaint received 2022-04-11 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: GA

Complaint narrative:
In accordance with the Fair Reporting Act : XXXX acct # XXXX, XXXX  XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX  XXXX acct # XXXX, XXXX XXXX XXXX XXXXcct # XXXX, has violated my rights. 

15 U.S.C 1681s-2 ( a ) ( 1 ) ( A ) states 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.

15 U.S.C 1681 section 604 A section 2 : states, A consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 section 602 A. states, I have the right to privacy.

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 2022-04-11 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: CREDIT ACCEPTANCE CORPORATION
State: AR

Complaint narrative:
Credit acceptance has reported inaccurate information on my credit report for several years. All of the information that has been provided by them has been incorrect and different across the big 3. According to the FCRA 623 ( a ) it is a violation to report incorrect information to my credit profile. I have sent several dispute letters, and I have also asked to be shown the method of verification for this account. Credit acceptance has still not sent over the information to me. I am requesting for this account to be permanently removed from my 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 2022-04-11 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: TX

Complaint narrative:
XXXX ran my credit 4 times in a very close time together. I have researched and researched. I do not know who this company is nor did I get give them permission to run my credit. 
They ran my credit XX/XX/2021, I did not give them permission They ran my credit XX/XX/2021, I did not give them permission They ran my credit XX/XX/2021 I did not give them permission They ran my credit XX/XX/2021 I did not give them permision.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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 XXXX  Acct # XXXX Loan amount {$1700.00}, and Acct # XXXX Loan amount XXXX. Late payment dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 166b A creditor May not treat a payment on a credit account under an open end consumer credit plan as late for any reason.

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 2022-04-11 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 XXXX  Acct # XXXX Loan amount {$1700.00}, and Acct # XXXX Loan amount XXXX. Late payment dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 166b A creditor May not treat a payment on a credit account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: TX

Complaint narrative:
so I have been challenging a account by the name XXXX XXXX from my consumer report with equifax. when I challenge this account I base it off of the blatant errors reporting. I feel as tho equifax is choosing to non comply. I have attached my recent letters and proof of my updated consumer report showing errors still. I have given equifax the respectful time to complete there dispute process. 

XX/XX/XXXX I sent equifax a letter based on the fact they were still reporting this account to be open but the last payment was XX/XX/XXXX. 

XX/XX/XXXX I wrote equifax a letter based on excerising my rights 15 U.S.C 6802 because I felt as if they were violating my rights to privacy by continuing to report inaccurate information after I had been previously had been putting them on notice with proof that this account was reporting inaccurately. 

XX/XX/XXXX I decided to pull a updated consumer report form XXXX to see if equifax fixed or complied of my previous request. 

to my findings nothing was updated or investigated. I feel as tho equifax again failed to comply. the addresses i use are XXXX XXXX XXXX, XXXX, GA, XXXX and XXXX XXXX XXXX, XXXX, GA XXXX these address are listed on their credit reports as a dispute mailing address and website. 

equifax is still reporting errors. the accounts status is wrong, the date of 1st deliquency and deliquency first reported is wrong. the date reported is wrong. the date of last payment reads XX/XX/XXXX but the payment history shows 60 days late that date. the date of 1st delinquency reads XX/XX/XXXX but there're no data on that date in the payment history. the comments section doesn't specify a notice of dispute. the closed date is missing even tho this is a closed account. I also pulled a new smart credit report dated XX/XX/XXXX and noticed this account is still reporting errors and inconsistent information. they keep reporting this as a open account for some reason. I have done my part as a consumer to notify them of their mistakes and they dont respond.

Company response to consumer: Closed with explanation