vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
I received a notice dated XX/XX/2022 in XXXX from Resurgent Capital Services regarding an alleged debt. 

I called Resurgent to dispute the debt on XX/XX/2022, but the representative could find no reference to the alleged debt even when I provided the reference number. 

I then disputed the debt via certified mail on XX/XX/2022. Tracking showed that certified mail was received by Resurgent on XX/XX/2022. 

I received no response until today XX/XX/2022, when a new company, XXXX, attempted to collect the debt via email. They made no mention of my dispute. XXXX 's email did not make it clear what their affiliation is with Resurgent Capital Services and whether or not they are one and the same ; therefore, I am reporting both companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX XXXX Has violated my rights. 
XXXX XXXX XXXX Has violated my rights. 
XXXX XXXX Has violated my rights. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 
XXXX XXXX XXXX Has violated my rights XXXX  XXXX XXXX XXXX Has violated my rights Chapter XXXX Bankruptcy 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 an account without my written instructions. 

16 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

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 2022-04-23 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: NY

Complaint narrative:
I am a loyal XXXX customer, currently on my XXXX lease. In early XX/XX/XXXX, a XXXX XXXX convinced me to return my XXXX lease a few months before the contract maturity date and take out my XXXX lease. The Dealer covered the remaining balance by sending a check to XXXX XXXX XXXX, which is the payee for XXXX XXXX XXXX ( XXXX ). The check was delivered on time. XXXX deposited the check, but, apparently, did not apply it against my account. XXXX started sending me invoices and calling me to make the payment. I kept telling them that the dealer told me that the balance was covered in full and XXXX should figure it out with the dealer. Instead, XXXX reported me to credit bureaus and continued to report late payments for a full year ( XXXX ), destroying my credit history. I tried disputing this with XXXX they demanded the front and back of the check that the XXXX dealer sent them. XXXX refused to talk to the dealer directly. In XX/XX/XXXX, I caved in and paid the balance in full to stop the accumulation of late payments. Shortly after, I finally managed to procure the copy of the check from XXXX dealer. XXXX admitted their mistake and refunded me the amount of the check, but have not removed late payments. There is no one to call, all you can do is send a credit dispute to XXXX  by mail. XXXX has been refusing to clear my credit history sending me boiler plate responses that my credit report is correct. However, I was never late with my payments, because the Dealer paid off the balance on time! I had a perfect credit history, and now my credit score is so bad that I wouldnt even be able to get another lease. XXXX has to be held accountable for this injustice, and they have to revamp their processes for handling disputes. The advice to others is pay first dispute later.

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 2022-04-23 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am a loyal XXXX customer, currently on my XXXX lease. In early XX/XX/XXXX, a XXXX XXXX convinced me to return my XXXX lease a few months before the contract maturity date and take out my XXXX lease. The Dealer covered the remaining balance by sending a check to XXXX XXXX XXXX, which is the payee for XXXX XXXX XXXX ( XXXX ). The check was delivered on time. XXXX deposited the check, but, apparently, did not apply it against my account. XXXX started sending me invoices and calling me to make the payment. I kept telling them that the dealer told me that the balance was covered in full and XXXX should figure it out with the dealer. Instead, XXXX reported me to credit bureaus and continued to report late payments for a full year ( XXXX ), destroying my credit history. I tried disputing this with XXXX they demanded the front and back of the check that the XXXX dealer sent them. XXXX refused to talk to the dealer directly. In XX/XX/XXXX, I caved in and paid the balance in full to stop the accumulation of late payments. Shortly after, I finally managed to procure the copy of the check from XXXX dealer. XXXX admitted their mistake and refunded me the amount of the check, but have not removed late payments. There is no one to call, all you can do is send a credit dispute to XXXX  by mail. XXXX has been refusing to clear my credit history sending me boiler plate responses that my credit report is correct. However, I was never late with my payments, because the Dealer paid off the balance on time! I had a perfect credit history, and now my credit score is so bad that I wouldnt even be able to get another lease. XXXX has to be held accountable for this injustice, and they have to revamp their processes for handling disputes. The advice to others is pay first dispute later.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am a loyal XXXX customer, currently on my XXXX lease. In early XX/XX/XXXX, a XXXX XXXX convinced me to return my XXXX lease a few months before the contract maturity date and take out my XXXX lease. The Dealer covered the remaining balance by sending a check to XXXX XXXX XXXX, which is the payee for XXXX XXXX XXXX ( XXXX ). The check was delivered on time. XXXX deposited the check, but, apparently, did not apply it against my account. XXXX started sending me invoices and calling me to make the payment. I kept telling them that the dealer told me that the balance was covered in full and XXXX should figure it out with the dealer. Instead, XXXX reported me to credit bureaus and continued to report late payments for a full year ( XXXX ), destroying my credit history. I tried disputing this with XXXX they demanded the front and back of the check that the XXXX dealer sent them. XXXX refused to talk to the dealer directly. In XX/XX/XXXX, I caved in and paid the balance in full to stop the accumulation of late payments. Shortly after, I finally managed to procure the copy of the check from XXXX dealer. XXXX admitted their mistake and refunded me the amount of the check, but have not removed late payments. There is no one to call, all you can do is send a credit dispute to XXXX  by mail. XXXX has been refusing to clear my credit history sending me boiler plate responses that my credit report is correct. However, I was never late with my payments, because the Dealer paid off the balance on time! I had a perfect credit history, and now my credit score is so bad that I wouldnt even be able to get another lease. XXXX has to be held accountable for this injustice, and they have to revamp their processes for handling disputes. The advice to others is pay first dispute later.

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 2022-04-23 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On ( XX/XX/XXXX I contacted Experian about the following negative accounts ; XXXX ( Account number XXXX, Date opened XX/XX/XXXX, Balance {$5200.00} ), XXXX XXXX  ( Account number XXXX, XXXX opened XX/XX/XXXX, Balance {$1900.00} ), XXXX XXXX XXXX XXXX ( Account number XXXX, Date opened XX/XX/XXXX, Balance {$19000.00} ), XXXX XXXX BANK ( Account number XXXX, Date opened XX/XX/XXXX, Balance {$18000.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2022-04-23 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX ( Account # not provided on report ), 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2022-04-23 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: PA

Complaint narrative:
On XX/XX/XXXX I contacted Equifax about the following negative accounts ; XXXX ( Date opened XX/XX/XXXX, Balance {$5200.00} ), XXXX XXXX  ( Date opened XX/XX/XXXX, Balance {$1900.00} ), XXXX XXXX XXXX XXXX ( Date opened XX/XX/XXXX, Balance {$19000.00} ), XXXX XXXX XXXX  ( Date opened XX/XX/XXXX, Balance {$18000.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp.
State: NV

Complaint narrative:
I received a notice dated XX/XX/2022 in XXXX from XXXX XXXX XXXX regarding an alleged debt. 

I called XXXX to dispute the debt on XX/XX/2022, but the representative could find no reference to the alleged debt even when I provided the reference number. 

I then disputed the debt via certified mail on XX/XX/2022. Tracking showed that certified mail was received by XXXX on XX/XX/2022. 

I received no response until today XX/XX/2022, when a new company, TrueAccord, attempted to collect the debt via email. They made no mention of my dispute. TrueAccord 's email did not make it clear what their affiliation is with XXXX XXXX XXXX and whether or not they are one and the same ; therefore, because TrueAccord attempted to collect the debt without providing the requested proof ( a request which was received over 60 days ago ), I am reporting both companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I paid for a year-long service of mentorship specified for the real estate industry from the company " XXXX XXXXXXXX XXXX XXXX  '' on XX/XX/2021. I asked XXXX XXXX XXXX XXXX for a refund as the service was misleading, but received no response regarding a resolution. I tried to dispute this with Wells Fargo on XX/XX/2021, and submitted documentation stating that payment was for a year-long service and that I canceled before receiving any service as I felt misled by the company. Wells Fargo responded on XX/XX/2021, stating that the company sent them a document stating that it was a one-time fee, despite me sending documentation showing otherwise. Wells Fargo said that it would take them a month to send me the other side 's documents, as I requested to see the false documentation, but I never received anything. Wells Fargo said that it was XXXX who did the investigation, but XXXX never communicated with me. I am still out of the money, nobody has sent me anything to prove their false claim, and nobody has rectified this matter.

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 2022-04-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Upon reviewing my credit file, incorrect information were found in my reports. The XXXX/Experian/XXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : Experian : XXXX XXXX Balance {$0.00} XXXX XXXXXXXX Balance {$1900.00} XXXX XXXX XXXX CARD XXXX XXXX {$0.00} XXXX XXXXXXXX Balance {$2800.00} XXXX : XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$2800.00}

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 2022-04-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, Experian, and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : EXPERIAN : XXXX XXXX XXXX XXXXXXXX Balance {$690.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$2100.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$610.00} XXXX XXXX XXXXXXXX ( Original creditor : XXXXXXXX XXXX ) XXXX Balance {$2100.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$520.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$260.00} XXXX XXXX ( Original creditor : XXXX  XXXX XXXX XXXX XXXX Balance {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX Balance {$690.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX CT XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXXXXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$610.00} XXXX XXXX XXXX Balance {$2100.00} XXXX XXXX  ( Original creditor : XXXX  XXXX XXXX  ) XXXX Balance {$100.00} XXXX XXXX XXXX  Inquiry Date XX/XX/2021 XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX 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 2022-04-23 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX # XXXX, XXXX 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 2022-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
All of a sudden I see a bid credit score drop on XXXX  and noticed theres a collection from a XXXX XXXX bill. Ive never had XXXX XXXX  and reported dispute with no success. Following is my detail. 
Please help. This is NOT mine and seems like my identity was stolen. 

Account info Account name AMSHER COLLECTION SERVIC Account number XXXX Account type Collection Responsibility Individual  Date opened XX/XX/XXXX Status Collection account. {$250.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Balance {$250.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$250.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX Collection as of XXXX XXXX Historical info Original creditor XXXX XXXX Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 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: ERC
State: KS

Complaint narrative:
Enhanced Recovery Co L Listed on my credit for a collections account. They have reported it 3 times. XX/XX/2020, XX/XX/2020 and XX/XX/2020. 
Al

l 3 are for the same $ amount. Same bill. I have tried on numerous occasions to get this settled. It is showing 3 separate times as 3 collection accounts/amounts. They can't even find my information from XX/XX/XXXX to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 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: OH

Complaint narrative:
Im File a complaint against Transunion, XXXX, and XXXX are not complying with their own policies in a timely manner. I sent it a letters on XX/XX/2022 stating theres some items on my credit report that were incorrect about a missed payment. I have not received any information back from them. It been 33 days and no respond

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 2022-04-23 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # XXXX, has violated my rights. Delete. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. Delete. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. Delete. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. Delete. 
XXXX XXXX # XXXX, has violated my rights. Delete. 
XXXX XXXX # XXXX, has violated my rights. Never late. Paid satisfactory.

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