vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-09 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:
I, XXXX XXXX, am a federally protected consumer and natural person, I am aware of all rights that I have under federal law, which are protecting me by The Congress under the Fair Credit Reporting Act ( FCRA ). As a consumer reporting agency you have violated my consumer rights to privacy and confidentiality under 15 USC 1681 by furnishing the following accounts to MY consumer report. 
1. Account Name : XXXX XXXX  XXXX Account Number : XXXX XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation 2. Account Name : XXXX XXXX XXXX Account Number : XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation 3. Account Name : XXXX XXXX XXXX, XXXX Account Number : XXXX 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. Delete this account immediately, unless you want to be held {$1000.00} per violation 4. Account Name : XXXX XXXX XXXX, XXXX Account Number : XXXX 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. Delete this account immediately, unless you want to be held {$1000.00} per violation

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 2022-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
Hello, I have a XXXX XXXX XXXX that was acquired by Barclay US. My experience has been a nightmare and the company has refused to resolve my issue for over a XXXX 

I've contacted Barclay XXXX XXXX department on the following dates and times ( Eastern Standard ) Phone # XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My account was transferred from XXXX XXXX to Barclay US and they have refused to grant me access to my online account and I have not received a statement. I attempted to log into the Barclay account using my information from my Gap account that did not work. I attempted to create a profile as I was told the profiles did not sync to the new company. When I try to create a profile I receive an error message that I already have a profile. Then I selected the option to retrieve my username and when I've used my phone number or email address - nothing is sent. I have tried countless times to call and resolve the issue with not being able to access my account online and no one has escalated or taken ownership to resolve my issue. How can I be liable for a bill that I have never seen? 

The representatives have been rude and I have spent countless hours trying to call and resolve the issue with zero support from Barclay. Today XXXX, I called and spoke to XXXX  # XXXX, who then transferred me to a Customer Care Rep name XXXX, who then transferred me to someone from the Securities team name XXXX who became XXXX XXXX XXXX  on the phone and hung up on me. According to the recordings, all calls are monitored - if they allow their representatives to speak and treat customers in this manner they should not be allowed to be in business. These practices are predatory and deceitful and intended negatively impact customers. The amount of XXXX XXXX XXXX I've had to endure this past XXXX is unjust!

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 2022-11-08 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
My name is XXXX XXXX, I want to start by informing you that Im a federally protected consumer, and I am making this complaint against LVNV Funding, LLC for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never in life given this company any consent to be in ANY type of possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is in FACT a billing error. Please provide me with documentary evidence of the obligors indebtedness.

This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce me into making some sort of payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence.

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until LVNV Funding, LLC, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and LVNV Funding, LLC, continues its collection efforts, I will file for litigation for actual damages caused and LVNV Funding, LLC, shall be liable for violations of TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act.

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: TX

Complaint narrative:
I have spoken to Equifax Office of Consumer Affairs on XXXX, until this date they have continued to violate my consumer protection rights as a consumer. They have issued my consumer report to a third part agency ( XXXX XXXX ) listing the items that are fraudulent on my credit report. They are reporting late payments on an account, XXXX XXXX  XXXX XXXX, XXXX, Equifax sent a letter in the mail with a confirmation that the prior payment history has been removed. I have filed Mutiple complaints through the CFPB regarding the Equifax Office of Consumer Affairs, and nothing is done. Please help me to understand how an agency that is issuing consumer reports are able to not keep accurate information and continue to report fraudulent information to third parties regarding my consumer profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Credit Karma, LLC
State: IN

Complaint narrative:
I have account with Credit Karma and applied to a credit card through their service. I have pictures stating I had an outstanding chance to be approved. The fine print of said card said it would not hurt my credit score, ( again I took screen shot of that statement ) I applied and received email saying I was approved but then next day another email saying I was denied and asked to apply to their " partners ''. I then received an email from Credit Karma stating my score had changed and it was lower by XXXX points. I have NEVER had a credit card, but wanted to apply for one to better my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: TX

Complaint narrative:
Tuesday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Equifax, XXXX XXXX XXXX, XXXX, GA XXXX. 

Concerning : Account numbers : XXXX I asked you to authenticate my debt in accordance with the Fair Debt Collection Practices Act, but all you sent me was an itemized list of the alleged sums. This violates FTC debt validation requirements. 

In XXXX XXXX XXXX, the Indiana XXXX XXXX XXXX ruled : 1692g ( b ) ( emphasis added ). XXXX ' attorney XXXX sent XXXX a letter on XX/XX/XXXX, 19 days after XXXX 's debt collection letter, saying XXXX " disputes your debt collection-related claims, rejects them, and requires strict proof and verification. '' XXXX. After receiving the letter, XXXX should have halted debt collection. XXXX violated 15 U.S.C. 1692g by securing a default judgment against XXXX before mailing her proof ( b ). 

XXXX argues no FDCPA violation happened because he " gave sufficient documentation of the debt [ to XXXX ] '' XXXX Response XXXX argues that an attached copy of XXXX ' consumer credit contract with XXXX XXXX is sufficient proof of the obligation under 15 U.S.C. 1692g ( b ). Nope. 

The contract lacks debt proof. The publication reveals XXXX ' loan, including the 17.99 % yearly interest rate and {$2500.00} total amount. The loan agreement contains no record of XXXX ' payments, the dates of those payments, the accrued interest, or any late penalties after she ceased making the mandatory installments. 
When XXXX sent the debt collection notification, the outstanding contract total was {$350.00} more than the original loan amount. XXXX violated 15 U.S.C. 1692g ( b ) by failing to get a default judgment against XXXX after XXXX contested the obligation but before XXXX mailed XXXX documentation of the debt. The trial court 's summary decision for XXXX is reversed. 

My credit report still shows this collection action. You've broken the FCPDA and face fines of {$1000.00} plus actual damages and attorney 's fees, which I can recover in small claims court. The potential damage from these collections on my credit report is thousands of dollars. 

Publishing incorrect information to major credit bureaus may constitute character defamation, as the negative marks on my credit report degrade my credit and prevent me from enjoying excellent credit 's benefits. The FCRA forbids erroneous information on my credit report. If you don't erase this account from my credit record promptly, you'll be fined {$1000.00}. Your legal team will certainly agree that failing to comply could put your company in legal trouble with the FTC and other organizations. 

I intend to proceed with the lawsuit if I do not hear from you within fifteen days. I really anticipate hearing from you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/2022 I was in XXXX used my card at ATM after that I lost my card, and few transactions made not by myself. When I found out that I called Chase created a case but they closed my case without refund saying because I do have inflight transactions, so I feel like they are saying because I travelled to XXXX and they dont refund any amount that not by me located in XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: Sequium Asset Solutions, LLC
State: IN

Complaint narrative:
My loan with XXXX XXXX XXXX was consolidated into one loan as a federal student loan which is in good standing. My XXXX account was then closed and removed from my credit history as a result. However, Sequium Asset Solution has apparently reopened the account stating that I owe them {$2500.00} as of XXXX and they are reporting that I opened the account on XX/XX/XXXX. My loans from XXXX were from XXXX so I have no idea where they got this information. I have never had an account with them, I have never borrowed money from them and for them to send me to collections for an account that has been consolidated is fraudulent. I even spoke to them when they called and told them that it was already closed out. I have had ZERO collections accounts since XXXX and had no new loans of that amount since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: Convergent Resources, Inc.
State: TX

Complaint narrative:
Tuesday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX. 

Concerning : Account numbers : XXXX I asked you to authenticate my debt in accordance with the Fair Debt Collection Practices Act, but all you sent me was an itemized list of the alleged sums. This violates FTC debt validation requirements. 

In XXXX XXXX XXXX, the Indiana XXXX XXXX XXXX ruled : 1692g ( b ) ( emphasis added ). XXXX ' attorney XXXX sent XXXX a letter on XX/XX/XXXX, 19 days after XXXX 's debt collection letter, saying XXXX " disputes your debt collection-related claims, rejects them, and requires strict proof and verification. '' XXXX. After receiving the letter, XXXX should have halted debt collection. XXXX violated 15 U.S.C. 1692g by securing a default judgment against XXXX before mailing her proof ( b ). 

XXXX argues no FDCPA violation happened because he " gave sufficient documentation of the debt [ to XXXX ] '' XXXX Response XXXX argues that an attached copy of XXXX ' consumer credit contract with XXXX XXXX is sufficient proof of the obligation under 15 U.S.C. 1692g ( b ). Nope. 

The contract lacks debt proof. The publication reveals XXXX ' loan, including the 17.99 % yearly interest rate and {$2500.00} total amount. The loan agreement contains no record of XXXX ' payments, the dates of those payments, the accrued interest, or any late penalties after she ceased making the mandatory installments. 
When XXXX sent the debt collection notification, the outstanding contract total was {$350.00} more than the original loan amount. XXXX violated 15 U.S.C. 1692g ( b ) by failing to get a default judgment against XXXX after XXXX contested the obligation but before XXXX mailed XXXX documentation of the debt. The trial court 's summary decision for XXXX is reversed. 

My credit report still shows this collection action. You've broken the FCPDA and face fines of {$1000.00} plus actual damages and attorney 's fees, which I can recover in small claims court. The potential damage from these collections on my credit report is thousands of dollars. 

Publishing incorrect information to major credit bureaus may constitute character defamation, as the negative marks on my credit report degrade my credit and prevent me from enjoying excellent credit 's benefits. The FCRA forbids erroneous information on my credit report. If you don't erase this account from my credit record promptly, you'll be fined {$1000.00}. Your legal team will certainly agree that failing to comply could put your company in legal trouble with the FTC and other organizations. 

I intend to proceed with the lawsuit if I do not hear from you within fifteen days. I really anticipate hearing from you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: OH

Complaint narrative:
I have two unverified accounts that I have already filed a dispute with directly to the credit bureaus and I never received a response back the properly address the issues. The accounts in question XXXX XXXX # XXXX, XXXX XXXX  XXXX # XXXX I have no records of any type of business. I firmly believe this is also a HIPPA violation as well as a violation of the FDCPA 809. Validation of debts their nonresponse is a little confusing.

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 2022-11-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: UPGRADE, INC.
State: PA

Complaint narrative:
On XXXX XXXX, 2022 my husband and I became aware that someone applied for two loans in our names from Upgrade.com and deposited the proceeds into our personal checking account. We contacted the company that day to inform them this was not us and we had become the victim of identity theft ; also filed a police report. Two loans were obtained - {$12000.00} & {$13000.00}. The proceeds for the loan of {$12000.00} were fully deposited into our checking account. The loan for {$13000.00} was split ; {$6500.00} was deposited into our checking account while {$5000.00} was used to payoff a XXXX credit card and {$1000.00} was used to payoff another credit card - neither of which belong to me. We were requested to supply Upgrade w/copies of our color photo Government issued ID, police report and copies of two months of bank statements as part of their investigation. We complied with their requests. After numerous phone calls, emails and endless conversations that have gotten us nowhere, we're asking for resolution regarding this matter. We want to return the funds that are still in our checking account, not be held liable for the funds that were used to payoff credit cards belonging to another individual, and have the account completely removed from our credit report. 

Unfortunately the lender has not cooperated after numerous requests to speak with somoeone in the fraud department to discuss this ongoing investigation. They have told us they will not resolve the investigation until the money is returned. Having been the victim of identity theft, I am very apprehensive to return funds without knowing that I will not be held responsible for a debt that I did not apply for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAVALRY INVESTMENTS, LLC
State: OH

Complaint narrative:
I recently requested that the office of Cavalry portfolio Service provide me with competent evidence that I have a legal obligation to pay this company. They were unable to validate said account and I have sent two written request asking for the negative marks on my credit report taken off as for they are reporting to the 3 major Credits bureau 's this action is constitute fraud under both Federal and State Law and they violated the Fair credit reporting act. they violated the fair debt collection practice act in addition to defamation of character.

This company is still in violation of harassment once a written request that no telephone contact be made by the company or the office attempt to telephone commutation with me. Company also failed to provide license number and registered agent or agent of service. a long with a license to collect in the state of which I reside.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: PA

Complaint narrative:
according to consumer rights, there are several violations, please address violations.along with blocking and removing from report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
according to consumer rights, there are several violations, please address violations.along with blocking and removing from report

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