vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: GA

Complaint narrative:
Around the summer of 2023 ( XXXX ) I started getting dropped calls. Then my mother called/texted from back home ( XXXX XXXX XXXX Louisiana and under my plan ) to say she could not use her cell phone at all. I initially called the service department for her, and they initially said there was an alert for my area in Georgia and had been getting dropped calls, in which I responded yes, however, none of the trouble shooting for my mom helped her in the store XXXX or over the phone. She could only use her cell phone outside to communicate any time of short communication, she is elderly and in XXXX Louisiana temperature with high humidity and elevated degrees of XXXX during that time. At one point I was told they would replace her phone with the warranty and I should get a tracking number the next day. I never got that tracking number, when I called to follow up, I was told it was a tower problem in her area and the phone replacement order was canceled. I was repeatedly told the technicians ( tier XXXX ) were working on resolving the issues in XXXX, Georgia where I reside and my mothers area of XXXX XXXX, Louisiana. My elderly mother needed communication living alone and had several upcoming doctors appointments that needed scheduling and confirmation. The problems with the wireless service continued for over a month and half, with multiple calls made to XXXX. I had complete confidence in the past with thier service as a customer over XXXX years and never imagined they would be so insensitive and lacking in providing good service or compensation. So I had no other choice but to switch to another XXXX, if not for my sake, my mothers sake. At XXXX point I tried to get a credit due to the poor service, but was denied because I was in a payment arrangement until my monthly VA XXXX disbursement was released.I was also aware it wasnt just me because another XXXX XXXX customer came into the new carrier with the same issues. In another incident, a man spoke with a T-Mobile representative while I was in XXXX complaining as well I dont know what is going on with XXXX. 

The transitional fees of switching carriers cost me dearly and set me back for payments with my remaining XXXX balance, however, my family had working phones and service. The bulk of what was owed was for the balance of the XXXX XXXX XXXX. At this time I would like to resolve this matter with a settlement of {$700.00} and removal of collections/negative impact reporting on the XXXX credit bureaus. This information was provided to XXXX during a survey as to why I was no longer with them and now A low rated company Sequium is sending information on behalf of XXXX. I also attempted to send correspondence to XXXX, however, it was sent back to me stating the mail box for XXXX was closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I contacted the companies to inform them that they are reporting inaccurate on my consumer report and ask them to remove the accounts from all my consumer reports. They have failed to verify these accounts within the 30 days time frame that the FCRA. Please have them delete all these accounts I have listed below. 

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 explanation
Consumer complaint received 2024-05-19 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: NY

Complaint narrative:
My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621.

The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. 

I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. 

I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained. 

I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 


FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you believe I received proper notification please provide the certified mail and receipt with my signature on there stating that I received it. No 1099C form received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: AP

Complaint narrative:
Refused to help me get into my account and didn't allow a payment over the phone until they'd charged me a fee and reported my account as delinquent after calling to no avail. and not receiving help. I spoke to someone in the office ( can find her name later ) who justified the actions of the multiple Chase representatives and then said i was offered to pay by phone ( which i did ) however, this was over XXXX  days past my due date they decided it was ok to take a payment by phone. I was denied to pay by phone initially, because they chose to focus on me getting back into my account to pay, which didn't happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/2024 I sent Transunion a Debt Validation Letter Regarding below accounts XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX To VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATIONS associated with these accounts, ( i.e. an ORIGINAL CONTRACT BEARING MY SIGNATURE ). I formally request that this information be immediately deleted from my credit file they maintain my social security number. As of today it's been over XXXX days from XX/XX/2024 and Transunion has failed to respond as per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ), These accounts have not been validated, updated, or deleted.

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 2024-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am on a payment plan to repay my cc balance with Chase, I informed the bank I want to pre pay the remaining balance early and do not have a payment link to pre pay. They have not replied to my messages to pre pay the cc balance. 
JPMCB CARD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian, XXXX and XXXX as put things on my credit that do not belong to me I believe I'm being targeted for some reason I see inquires that do not belong to me I see incorrect information like addresses and I tried to dispute so many times I sent in proof and still they will not delete the incorrect data they are forever selling my information and would like it to stop.

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 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Credit reporting 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:
Credit reporting compromised in Equifax Breach

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: NH

Complaint narrative:
I was a XXXX XXXX customer in 2017 and relinquished my account with them to move to XXXX  Per their terms I had to return the device I was financing or pay them in full. I decided to return the device and sent my phone ( XXXX XXXX ) back with the return packaging they mailed me. My account was charged with a delinquent payment for the device regardless of the fact I return the product. I contacted XXXX directly and they said the did not receive the product and informed that the account would be charged off to a debt collector. XXXX XXXX XXXX XXXX was the debt collector the account was sold too and since I have disputed numerous times that this is a false debt for a device I returned. Each time I was informed there was nothing that can be done and each time I disputed this with XXXX it was updated at the same value from before and claimed to be accurate. I do not owe this debt. I returned the device and the claims otherwise are false.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Credit reporting 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: IN

Complaint narrative:
After reviewing my consumer reports, I discovered a late payment on my account for which I have never missed a payment. Consumer reporting agencies play a crucial role in accurately reporting consumer information. I have enclosed a screenshot of the account in question, dated XX/XX/2023, to illustrate my claim. 

I request a thorough investigation into this late payment and ask for proof that they were indeed late. If no evidence can be provided, I demand that this payment be updated to reflect that it was paid as agreed and on time, as I have never been late with my payments. 

Thank you for your attention to this matter. Please find the attached screenshots for reference.

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 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
After reviewing my consumer reports, I discovered a late payment on my account for which I have never missed a payment. Consumer reporting agencies play a crucial role in accurately reporting consumer information. I have enclosed a screenshot of the account in question, dated XX/XX/2023, to illustrate my claim. 

I request a thorough investigation into this late payment and ask for proof that they were indeed late. If no evidence can be provided, I demand that this payment be updated to reflect that it was paid as agreed and on time, as I have never been late with my payments. 

Thank you for your attention to this matter. Please find the attached screenshots for reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I contacted the companies to inform them that they are reporting inaccurate on my consumer report and ask them to remove the accounts from all my consumer reports. They have failed to verify these accounts within the 30 days time frame that the FCRA. Please have them delete all these accounts I have listed below. 

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 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I contacted the companies to inform them that they are reporting inaccurate on my consumer report and ask them to remove the accounts from all my consumer reports. They have failed to verify these accounts within the 30 days time frame that the FCRA. Please have them delete all these accounts I have listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I received a debt collection call from Portfolio Recovery on XX/XX/24. At that time I requested the caller to only contact me via mail. I had them confirm that they understood on the call. I received another call on XX/XX/24 from Portfolio Recovery from ( XXXX ) XXXX. I asked the caller if they had a record of them calling me on XX/XX/24, which they did, and confirmed on the call that I requested to be contacted by mail only. I also informed them that it is a {$1000.00} per call violation. I would like to pursue an FCDPA violation against Portfolio Recovery. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
I am the beneficiary and this company has caused immense damage the my estate!!!!!! 
THIS COMPANY IS ACTING ULTRA VIRES AND ILLEGALLY This have stolen my identity and used it improperly for fraud. I have gave this company proper notice and it is tacit from their response! Respect the FTC affidavit, proof of wet signature, Proof if consent from surety to transact. Proof of deletion of certificate of indebtedness, proof of 1099c copy b, proof of forward flow agreement!!!!! 
I will go to the XXXX and arbitration if this account is not removed immediately you have XXXX  days. I have already been contacted by a local attorney whom which im thinking about hiring. Respect the FTC affidavit, proof of wet signature, Proof if consent from surety to transact. Proof of deletion of certificate of indebtedness, proof of 1099c copy b, proof of forward flow agreement. You have no legal right to report. PROVIDE THE FOWARD FLOW AGREEMENT!!!!! YOU DO NOT HAVE PERMISSION FROM THE SURETY WHICH IS NO CONSENT AT ALL WRITTEN OR VERBAL TO TRANSACT. I NEVER DID BUSINESS WITH THIS COMPANY AND I REFUSE TO DO BUSINESS WITH THIS COMPANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting 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: OH

Complaint narrative:
According to XXXX v transunion XXXX. Transunion is supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681, 15 USC 16812. 15 USC 16815, 15 USC 1681eb. Delete ACCOUNT merrick bank from my credit profile immediate. And a detailed detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 16811 ( 7 ).

Under Section 15 USC 16811 ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 
XXXX XXXX Provide the description of the procedure of the investigation used to verify this account if you can't delete this account immediately. 
XXXX Provide the description of the procedure of the investigation used to verify this account if you can't delete this account 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