vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
As of XX/XX/2022, I the consumer, have been in receipt of a response made by Resurgent Capital Services, " they ''. 

This complaint is in response to Resurgent Capital Services, Reference Number : XXXX. 

As of XX/XX/2022 I was informed that Resurgent Capital Services became the Owner of an Account which contains an alleged debt as they purchased the Account with XXXX XXXX XXXX  XXXX. It is noted that the Account charged off on XX/XX/2022 with a balance of {$900.00}. As of XX/XX/2022 I have never made any direct contact with Resurgent Capital Services, I have never provided them with any consent that I would like to do business with Resurgent Capital Services, and I have not received any communication from Resurgent Capital Services which indicates that I lawfully owe Resurgent Capital Services {$900.00}. 

I am aware that the banking system depends on fair and accurate credit reporting and I am saddened to know that there have been unfair and inaccurate credit reports furnished without my consent to Consumer Reporting Agencies, " cras '' which is not in accordance with the Fair Credit Reporting Act. 

Due to this companies negligent and unlawful behavior, I regretfully will stop doing business with anyone unless my concerns are addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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:
I have recently requested for a full check of accuracy on all three of my credit 's reports from, Transunion, XXXX and XXXX. I have done a full investigation on this accounts that I have notice to not be accurate on my reports, after I requested the credit bureaus to look in to the this matters at hand. I requested my credit bureaus check for accuracy in XX/XX/2022 and also in XX/XX/2022, I see there are serve accounts that are not accurate or not mines still present on my reports. According to The Fair Credit Reporting Act, 15 U.S.C.1681 section 602A. States I have the right to privacy. The Fair Credit Reporting Act, 15 U.S.C. 1681 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction. Here is the listed of account wrongfully, inaccurately, or not mines at all that is still been reported on all the credit bureaus or just on one or two bureaus. I also have a police report on where my wallet was stolen out of my car. Someone was trying to open accounts in my name. 

XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX Account Number XXXX XXXX XXXX XXXX I Account Number XXXX XXXX Account Number XXXXXXXX XXXX Account Number XXXX XXXX XXXX Original Creditor XXXX  Account Number XXXX XXXX XXXX XXXX XXXXXXXX Account Number 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 2022-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ARS National Services, Inc.
State: OH

Complaint narrative:
On XX/XX/2022, I received a letter from ARS National Services , Inc. about a debt they were trying to collect. I did not recognize this debt, so I sent them a debt verification letter, requesting information including, but not limited to : -Name and address of the creditor to whom the debt is currently owed -Copy of the signed agreement that created my original requirement to pay -A copy of the last billing statement -When the creditor claims this debt became due and when it became delinquent -Information about the firm 's authority to collect this debt. 

In this letter, I also requested that no telephone or email contact be made by their office to my home, my place of employment, or my mobile phone. 

On XX/XX/2022, I received a packet from ARS National Services. This packet was just a bunch of printouts of statements from XXXX that I do not recognize. They failed to provide any copy of an entered agreement to pay, as requested in my letter, as well as information on when the debt became due, delinquent, etc. 

In the past month, I have also received numerous emails and phone calls from ARS National Services as an attempt to collect this debt. Based on all of the information I have, it seems to me that ARS National Services are engaging in predatory debt collection practices. I am not sure if they are a scam debt collector, but it would not surprise me with these tactics. 

I drafted a letter to send to them to notify that I will be informing the CFPB of these practices, but am afraid to send it to them presently with the current frequency of their calls and emails. I am getting daily emails and calls from new numbers trying to bypass my spam filter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
Equifax does not have a Credit file for me. They are the only XXXX that is not reporting on me. what this has done is show a " fraud '' tag on my credit report to my lender while I'm trying to purchase a house. I called on XXXX XX/XX/XXXX at XXXX CST with my lender to get this worked out because they are saying the only way to create a profile for me is for me to send them a letter through the mail with my PII in it to create a profile even though they confirmed all of my information on the phone. My lender sent a certified mail ( required signature on XX/XX/XXXX to their XXXX XXXX XXXX XXXX, GA XXXX. They received the letter on consumer side ). Equifax help desk is stating they never received it. Upon request from consumer and lender to removed the Fraud mask on reporting system and initiate a " no profile exist '' so that my VA Lender can give me a home loan, we were told that it is not possible without the mail-in. I feel that it is extremely unsafe to be sending this information through the mail when it could ruin peoples lives and they have already lost it once. Equifax customer service refused to provide a supervisor " per company policy and high call volume '', and said they could file an internal complaint for escalation. When asked what department it was going to be moved to, they would not provide a department name or details of complaint. When customer service rep was approached with sound logic of verification of ID and ran out of answers, She hung up on The consumer/lender. Consumer/ lender also sent a secure fax to their fax line that requires confirmation of response due to secure information on XXXX XX/XX/2022 at XXXX CST.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-08-05 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: TN

Complaint narrative:
In sight of recent investigations brought upon Equifax, I find that my consumer file is being irresponsibly tampered with. Over the past few months, I have made several attempts to remind Equifax of their duty pursuant to 15 USC 1681. It appears Equifax intentionally and willfully being neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my report based on federal law. I made a call today XX/XX/2022 as another attempt to have these errors corrected on my consumer report, but I was hung up on multiple times. 15 USC 168li ( A.5 ) says that after the reinvestigations, all of the unverified information must promptly be removed. Equifax has failed to provide a 100 % accurate investigation for the accounts that are on my account. None of the accounts on my Equifax profile can prove I owe a debt. Equifax couldnt provide me with any contracts and/or accounting ledgers from any of the accounts on my Equifax consumer report. In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX XXXX XXXX, XXXX ACCOUNT # XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNT # XXXX XXXX XXXXXXXX XXXX ACCOUNT # XXXX XXXX XXXXXXXX XXXX ACCOUNT # XXXXXXXX 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 15 U.S. Code 6821 Congress made it clear that EQUIFAX assumed the role of a financial institution through association.

Equifax never had a Permissible purpose of my consumer reports. 15 U.S. Code 1681b ( 2 ) never instructed Equifax to furnish or create any report. I never consented to any account on my report in the first place.

Equifax has also failed to remove addresses and phone numbers that do not belong to me after Ive asked them to delete them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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: VA

Complaint narrative:
I called Equifax on XX/XX/2022 to ask them to remove inquiries from my account as they are not mine. I spoke to XXXX different people and was hung up on several times. I called and spoke to XXXX supervisors one stated that they would remove the inquiries and put me on hold and the line disconnected. I called back and spoke to XXXX another supervisor who told me I needed to call the creditor back and ask for documents on their letterhead saying they have no info. I asked XXXX was he aware that Equifax is not allowed to have my info without my consent per 15 USC 1681, he stated yes. I confirmed again he stated yes again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: IL

Complaint narrative:
As a federally protected Consumer, I am here to contest any purported accusations you are now reporting on my credit report.

In accordance with Section 809 ( 8 ) of the Fair Debt Collection Practices Act, 15 U.S.C. 1692g, the Consumer requests verification from you ( FDCPA ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: OH

Complaint narrative:
I refinanced with Freedom mortgage on XX/XX/XXXX. I got a tax bill from XXXX XXXX regarding a tax delinquency in XX/XX/XXXX stating taxes for the first and second half of XXXX are unpaid. I have called the servicer 3 times since I received the tax bill. 

On each call they claim my loan is not in escrow ( while my mortgage is in escrow ) You are required to escrow FHA loans - then promise to make the correction. They verify my escrow balance on every call and they continue to give a time frame in which the situation will be resolved. 

Till date, the taxes are still unpaid. I am trying to avoid a tax lien on my home.

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 2022-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
As a federally protected Consumer, I am here to contest any alleged claims that you are now listing as consumer debt on my credit report.

The Consumer requests verification in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Section 809 ( 8 ). ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, 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 2022-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I recently received a copy of my 3 Bureau Credit Reports in the mail dated XX/XX/2022. After reviewing all three Credit Reports with TransUnion, XXXX, & XXXX I noticed several fraudulent inquiries appearing on my credit report that I do not recognize. I have not applied for credit for quite some time. I noticed a total of XXXX inquiries that may be connected to fraud. 

I did some research online on how to take care of these fraudulent inquiries, and then I saw some XXXX XXXX XXXX explaining how to fill out an FTC ID Theft Report. I submitted the FTC ID Theft Report back on XX/XX/2022. Please see the attached report for your review. These fraudulent inquiries are not mine are having a major detrimental impact on my ability to borrow.

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 2022-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I contacted Chase on XX/XX/XXXX to notify them a fraudulent transaction we had previously dealt with re-appeared on my account XXXX in the amount of {$1100.00}. 

This resulted in my account going negative, I contacted Chase and the representative said the transaction could not be reversed or stopped and the payment is will be there to stay unless I sign the document they sent which I never received. 

They said to have emailed it and nothing there. I logged into Chase and went to the Message center on both the Desktop Website and the App. I attached screenshots as proof to show there's no documentation for the Claim on XX/XX/XXXX. 

Thats the reason why I called XX/XX/XXXX was to ensure they had filed the claim because I had no documentation to sign like the agent said and the fraudulent transaction already posted. 

Agent said the transaction posted and they will not offer any NSF fees for the posted transactions even though the transactions posted would've never been charged an NSF fee if Chase didn't approve the fraudulent transaction. 

Attached is evidence showing I have not received my letter even 24 hours later of filing the claim and that I am being held responsible for a transaction that I did not authorize and because of it, my account is now negative with my other transactions being posted and me being charged NSF fees when I shouldn't be charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: IL

Complaint narrative:
As a federally protected Consumer, I am here to contest any purported claims you are now reporting on my credit record as consumer debts.

In accordance with the Fair Debt Collection Practices Act, 15 U.S.C. 1692g Section 809 ( 8 ), the Consumer is requesting verification from you ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hello, A few months ago, I was called and scammed by what I thought was my electric company while I was on vacation..and they asked me to my bill via XXXX XXXX I believed them because even their phone number was supposedly right. I only opened a XXXX account because CHASE Bank offered it. I think that was the first time I used it. When I immediately realized I was scammed the money was out of my account. I called CHASE and XXXX. For weeks I went back and forth waiting for them to look at my claim. CHASE said I would most likely receive a Courtesy Recovery but weeks and weeks later neither XXXX nor CHASE would give me anything in return. I have recently seen stories where CHASE does give people their money back. But they flat out and rudely said no to me. The supervisor practically hung up on me. I was shocked. Now that I know others have gotten their money returned I feel I should.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I submitted a claim to Transunion fraud department on XX/XX/22 for accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These items were not removed despite my demand. Please remove these accounts from my credit report or I will have to proceed with further litigations.

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 2022-08-05 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: IN

Complaint narrative:
I called Equifax yesterday about fraud and the rep said they only follow Equifax policy and was calling the other consumer reporting agencies bureaus and I told her they are not bureaus. That yall are reporting inaccurate information. A charge off is income and shouldnt be reported on my consumer report. The IRS already confirmed this. XXXX XXXX never sent me a 1099c and illegal sold a alleged debt to XXXX XXXX who I have no contract with that never provided DOCUMENTARY EVIDENCE. Equifax did not exercise their grave responsibility, they was unfair, they was partial, and they did not respect my right to privacy. They never had permissible purpose and I never instructed them to furnish negative information on my consumer report. They never had my lawful consent in the first place. Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. Also they rep said she can only do disputes. I demanded for it to be deleted/removed because that inaccurate information of the wrong name, charge off, and hard inquiries should not be on my consumer report. No consumer reporting agency got written instructions from I the consumer to report negative information and inaccurate information. They are acting as trustees!

Company response to consumer: Closed with explanation