vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
Ive been receiving repeated emails and phone calls from this company alleging that I responsible for a {$950.00} debt. Ive never entered into a contract with this company and theyre in violation of 15 U.S. Code 1692e - False or misleading representations U.S. Code Notes A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.

15 U.S. Code 1692e - False or misleading representations U.S. Code notes A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.

( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.

( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney.

( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.

a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.

( b ) Inadequacy of laws Existing laws and procedures for redressing these injuries are inadequate to protect consumers.

This company is committing fraud by attempting to collect a debt thats been charged off which is a Federal Offense by law.

Duties of person taking certain actions based on information provided by affiliate ( A ) Duties, generally ii ) does not include ( I ) information solely as to transactions or experiences between the consumer and the person furnishing the information ; or ( II ) information in a consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor, has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666B a creditor may not treat a payment on a credit card account under an openend consumer credit plan as late for any purpose. 

Please remove any latte payments from my credit report for the following : Capital One

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: DISCOVER BANK
State: NV

Complaint narrative:
- A check book was sent to me from Discover- The checks were stolen from my mailbox before I received them- Somebody wrote a check to themselves using my checks for {$8900.00} - I only had ~ {$8500.00} in my checking account- Discover allowed this stolen check to be cashed despite the fact that my checking account had insufficient funds. Discover did not alert me prior to processing the transaction even though the amount was large, the signature could not have matched my signature, and it has been years since I used a check ( red flag ). 

- Discover charged me the difference between the amount of the check and the amount that I had in my checking account ( ~ {$350.00} ) in order to cover the insufficient funds- Discover has passed me around their customer service team for two days without any meaningful progress- Discover has been unwilling to apply a good-faith credit to my account for the {$8900.00} that was stolen while their investigation occurs

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: ProCollect, Inc.
State: OK

Complaint narrative:
XXXX credit agency, improperly investigated my two Dispute. Both were from apartment complexs. That I could have not been living in at the same time. They didn't show me any documents stating I was in default with them both

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: OK

Complaint narrative:
Experian credit agency, improperly investigated my two Dispute. Both were from apartment complexs. That I could have not been living in at the same time. They didn't show me any documents stating I was in default with them both

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-16 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Apple credit card fraudulently let someone charge up my account. They contacted me saying I owed then XXXX I had auto pay set up and they had taken out XXXX on XX/XX/2023 then another XXXX XX/XX/2023. I told them I have not used the card at all and they just took money out of My account. They said they never recieved any payments. I asked them to open a dispute for the fraud purchased on the account I didn't do. They did. The next day they called me and said I owed XXXX and it was past due. I told them there is no way. Now on my credit they flagged my account past due XXXX!!!! I don't even own a apple phone to use the card!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: EQUIFAX, INC.
State: AL

Complaint narrative:
On XX/XX/23 I received notification that account was deleted of Equifax report the account was lvnv funding this collection was deleted then Equifax allowed account to be resubmitted after I sent in all documentation to prove it was identity theft reference cfpb XXXX in this complaint Equifax acknowledged deleting XXXX account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: SYNCHRONY FINANCIAL
State: PR

Complaint narrative:
The debt on this credit card was dishharged and eliminated from collections but it still appears in the credit history

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX New Mexico XXXX XXXX, New Mexico XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that have been found in my credit report. After reviewing my report, I have found several items that I believe are inaccurate and do not belong to me. 

Firstly, I am unaware of an account with XXXX XXXX XXXX  ( Account Number : XXXX ). I kindly request that you investigate and verify whether this account belongs to me, and if it does not, I request that it be deleted from my credit report. 

Secondly, I have no recollection of an account with XXXX XXXX XXXX ( Account Number : XXXX ). Therefore, it is not possible for you to update an account that I have no recollection of belonging to me. I demand that this account be removed immediately from my credit report. 

Thirdly, I can not recognize the business of XXXX XXXX ( Account Number : XXXX ). I request that you investigate and verify whether this account belongs to me, and if it does not, I demand that it be deleted from my credit report. 

Fourthly, I have no recollection of an account with XXXX XXXX XXXX XXXX ( Account Number : XXXX ). I kindly request that you investigate and verify whether this account belongs to me, and if it does not, I demand that it be deleted from my credit report. 

Additionally, I have no recollection of authorizing credit inquiries by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX on XX/XX/XXXX. I demand that these inquiries be removed from my credit report as they were not authorized by me. 

Lastly, to the best of my knowledge, my account with XXXX XXXX XXXX ( Account Number : XXXX ) has never been paid late. Therefore, your reporting of my account is completely inaccurate, and it is ruining my credit. I demand that you update this account and delete the inaccurate information immediately. 

I would appreciate your prompt attention to these matters and request that you provide me with written confirmation once these issues have been resolved. Thank you for your assistance in this matter. 

Sincerely, 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 2023-03-16 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: NM

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX New Mexico XXXX XXXX, New Mexico XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that have been found in my credit report. After reviewing my report, I have found several items that I believe are inaccurate and do not belong to me. 

Firstly, I am unaware of an account with XXXX XXXX XXXX ( Account Number : XXXX ). I kindly request that you investigate and verify whether this account belongs to me, and if it does not, I request that it be deleted from my credit report. 

Secondly, I have no recollection of an account with XXXX XXXX XXXX ( Account Number : XXXX ). Therefore, it is not possible for you to update an account that I have no recollection of belonging to me. I demand that this account be removed immediately from my credit report. 

Thirdly, I can not recognize the business of XXXX XXXX ( Account Number : XXXX ). I request that you investigate and verify whether this account belongs to me, and if it does not, I demand that it be deleted from my credit report. 

Fourthly, I have no recollection of an account with XXXX XXXX XXXX XXXX ( Account Number : XXXX ). I kindly request that you investigate and verify whether this account belongs to me, and if it does not, I demand that it be deleted from my credit report. 

Additionally, I have no recollection of authorizing credit inquiries by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX on XX/XX/XXXX. I demand that these inquiries be removed from my credit report as they were not authorized by me. 

Lastly, to the best of my knowledge, my account with XXXX XXXX XXXX ( Account Number : XXXX ) has never been paid late. Therefore, your reporting of my account is completely inaccurate, and it is ruining my credit. I demand that you update this account and delete the inaccurate information immediately. 

I would appreciate your prompt attention to these matters and request that you provide me with written confirmation once these issues have been resolved. Thank you for your assistance in this matter. 

Sincerely, 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 2023-03-16 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: GA

Complaint narrative:
I wrote a letter about false information on my credit report, and more than 60 days later, i still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. it is precisely stated in section 611 ( a ) that refusal to investigate these allegation within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The Equifax data breach exposed my information well as, and its feasible that it landed in the incorrect hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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:
On XX/XX/23, I received a response from XXXX XXXX XXXX. They advised they were not going to delete the late payments from my account. They advised that they review their policies to make sure they're in compliance with consumer law. However, this is not the case. They are violating U.S. Code 1681a2. I am writing to dispute the accuracy of certain payment information on my credit report. Specifically, I am requesting that you delete all late payments from my credit report, as they fall under the exclusions listed in 15 U.S. Code 1681a2. 

According to the FCRA, payment history is excluded from credit reports, as it falls under the category of " transactions. '' Additionally, credit card utilization is excluded under the category of " experiences. '' Therefore, I am requesting that these payments be deleted from my credit report in accordance with my rights under the FCRA. 

If they don't want to follow U.S. Code 1681a2, I am writing to request the deletion of my account and all associated information from my consumer report in accordance with the Fair Credit Reporting Act ( FCRA ) Section 609. 

I am requesting this deletion because I no longer wish to have an account with your company and I do not authorize the sharing of my information with any third party without my express consent. As such, I request that you delete all information related to me from your company 's database and cease reporting any of my information to any third party. 

I understand that under the FCRA, you have 30 days to investigate my request and respond to me in writing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-16 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: IL

Complaint narrative:
On XX/XX/23, I received a response from XXXX XXXX XXXX. They advised they were not going to delete the late payments from my account. They advised that they review their policies to make sure they're in compliance with consumer law. However, this is not the case. They are violating U.S. Code 1681a2. I am writing to dispute the accuracy of certain payment information on my credit report. Specifically, I am requesting that you delete all late payments from my credit report, as they fall under the exclusions listed in 15 U.S. Code 1681a2. 

According to the FCRA, payment history is excluded from credit reports, as it falls under the category of " transactions. '' Additionally, credit card utilization is excluded under the category of " experiences. '' Therefore, I am requesting that these payments be deleted from my credit report in accordance with my rights under the FCRA. 

If they don't want to follow U.S. Code 1681a2, I am writing to request the deletion of my account and all associated information from my consumer report in accordance with the Fair Credit Reporting Act ( FCRA ) Section 609. 

I am requesting this deletion because I no longer wish to have an account with your company and I do not authorize the sharing of my information with any third party without my express consent. As such, I request that you delete all information related to me from your company 's database and cease reporting any of my information to any third party. 

I understand that under the FCRA, you have 30 days to investigate my request and respond to me in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: IL

Complaint narrative:
On XX/XX/23, I received a response from XXXX XXXX XXXX. They advised they were not going to delete the late payments from my account. They advised that they review their policies to make sure they're in compliance with consumer law. However, this is not the case. They are violating U.S. Code 1681a2. I am writing to dispute the accuracy of certain payment information on my credit report. Specifically, I am requesting that you delete all late payments from my credit report, as they fall under the exclusions listed in 15 U.S. Code 1681a2. 

According to the FCRA, payment history is excluded from credit reports, as it falls under the category of " transactions. '' Additionally, credit card utilization is excluded under the category of " experiences. '' Therefore, I am requesting that these payments be deleted from my credit report in accordance with my rights under the FCRA. 

If they don't want to follow U.S. Code 1681a2, I am writing to request the deletion of my account and all associated information from my consumer report in accordance with the Fair Credit Reporting Act ( FCRA ) Section 609.

I am requesting this deletion because I no longer wish to have an account with your company and I do not authorize the sharing of my information with any third party without my express consent. As such, I request that you delete all information related to me from your company 's database and cease reporting any of my information to any third party. 

I understand that under the FCRA, you have 30 days to investigate my request and respond to me in writing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: PA

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief