vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: IN

Complaint narrative:
On XXXX XXXX, I did open this account with Wyndham for a Barclay 's Credit Card due to plans to possibly upgrade my contract. Well, I chose not to upgrade and I left the presentation. My newlywed husband stayed on for the rest of the presentation to learn more about Wyndham.

My husband ended up signing a contract with Wyndham by scamming him into thinking he was getting a great deal, yet what they did was put a {$11000.00} charge on this new credit card I didn't even have yet. I was not even there at the time the contract was signed.

I disputed this charge with Barclays and they denied and said I would have to reach out to Wyndham. I wrote them back and demanded that they show me evidence that I authorized this charge. That was in the beginning of XXXX and I have not heard back from them.

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 2024-09-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] XXXX, TX XXXX To : Lvnv Funding LLC XXXX XXXX XXXX XXXX SC XXXX Date : XX/XX/year> To Whom it May Concern : This letter is sent in response to a notice delivered to me on XX/XX/year> regarding account LAST 4 # XXXX Be advised this is not a refusal to pay but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed, and validation is requested. 
This is not a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. 
I respectfully request your offices provide me with evidence that I have any legal obligation to pay you, including the following documentation : Agreement with the creditor that authorizes you to collect on this alleged debt ; The agreement bearing my signature stating that I have agreed to assume the debt ; Valid copies of the debt agreement stating the amount of the debt and interest charges ; Proof that the Statute of Limitations has not expired ; Complete payment history on this account along with an accounting of all additional charges being assessed ; Proof that you are licensed to collect in my state ; and Your license numbers and Registered Agent. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ), this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your office fails to reply to this debt validation letter within thirty ( 30 ) days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 
Your non-compliance with my request will be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for attorney fees should I be forced to bring this matter before a judge. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Ive recently received a copy of my report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-09-11 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: VA

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2024-09-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] XXXX, TX XXXX To : Lvnv Funding LLC XXXX XXXX XXXX XXXX SC XXXX Date : XX/XX/year> To Whom it May Concern : This letter is sent in response to a notice delivered to me on XX/XX/year> regarding account LAST 4 # XXXX Be advised this is not a refusal to pay but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed, and validation is requested. 
This is not a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. 
I respectfully request your offices provide me with evidence that I have any legal obligation to pay you, including the following documentation : Agreement with the creditor that authorizes you to collect on this alleged debt ; The agreement bearing my signature stating that I have agreed to assume the debt ; Valid copies of the debt agreement stating the amount of the debt and interest charges ; Proof that the Statute of Limitations has not expired ; Complete payment history on this account along with an accounting of all additional charges being assessed ; Proof that you are licensed to collect in my state ; and Your license numbers and Registered Agent. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, or XXXX ), this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your office fails to reply to this debt validation letter within thirty ( 30 ) days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 
Your non-compliance with my request will be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for attorney fees should I be forced to bring this matter before a judge. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was shocked to find inaccurate accounts on my credit report this evening, and Im completely clueless as to how they got there. When I checked it as I normally do, I noticed these discrepancies that seemed to appear out of nowhere. I even refreshed my browser, thinking it could be a glitch, but the errors didnt go away. I need assurance that the documents I've submitted will be thoroughly reviewed, so I can finally stop worrying about this.

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 2024-09-11 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2024-09-11 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  account XXXX XXXX account number XXXX amount {$450.00} XXXX XXXX account number XXXX amount {$460.00} XXXX XXXX XXXX XXXX account number XXXX amount {$580.00} XXXX XXXX XXXX account number XXXX amount {$600.00} XXXX XXXX XXXX account number 1961 amounts {$1000.00} XXXX XXXX XXXX account number XXXX amount {$2100.00} XXXX XXXX XXXX account number XXXX amount {$23000.00} have violated my rights 15 u.s.c. 1681 section 602.a status i have the right to privacy.

15 u.s.c. 1681 section 602a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. 15 u.s.c. 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any following items of information any other adverse item of information, other than records of convictions of crime 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. my information was exposed to a 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 2024-09-11 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  account XXXX XXXX account number XXXX amount {$450.00} XXXX XXXX  account number XXXX amount {$460.00} XXXX XXXX XXXX XXXX account number XXXX amount {$580.00} XXXX XXXX XXXX account number XXXX amount {$600.00} XXXX XXXX XXXX account number XXXX  amounts {$1000.00} XXXX XXXX XXXX account number XXXX amount {$2100.00} XXXX XXXX XXXX account number XXXX amount {$23000.00} have violated my rights 15 u.s.c. 1681 section 602.a status i have the right to privacy.

15 u.s.c. 1681 section 602a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. 15 u.s.c. 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any following items of information any other adverse item of information, other than records of convictions of crime 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. my information was exposed to a data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 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: 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. 

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 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 non-monetary relief
Consumer complaint received 2024-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: UPGRADE, INC.
State: WY

Complaint narrative:
I had a personal loan through upgrade clear back from XXXX. I made payments on it and then stopped getting communication from upgrade. So I called them and they had sold the account to XXXX XXXX XXXX. Well I called several times leaving voicemails and then went on their website and sent email communication. I was trying to set up a plan with them since XXXX of XXXX. To this day XX/XX/XXXX I have not received an email or call or anything in the mail. Then the first week of XX/XX/XXXX I got a collections notice from XXXX XXXX XXXX XXXX stating that XXXX XXXX turned me over. I tried for 6.5 months to get a pay plan and the letter from XXXX XXXX XXXX is the first contact I have had from anyone. I never got anything from Upgrade stating that they had turned it over to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 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: Experian Information Solutions Inc.
State: IA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that is inaccurate. 
This agency is in violation of 15 USC 15 USC 1681i, in your repose to my dispute you claimed that the account XXXX XXXX XXXX XXXX # XXXX You have validated inaccurate information and this account is hereby disputed.

The information on this account being furnish

ed on my consumer report in fact inaccurate. 15 USC 1681i ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general after any reinvestigation under paragraph ( 1 ) of any info
rmation disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

List of accounts to be deleted The reporting of these account ( s ) is/are violations of 15 USC 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
How can you verify inaccurate information? You have violated METRO2 Compliance procedures and format for reporting! 
Delete this account from my consumer reports.

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 2024-09-11 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear Equifax, Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609a ) 1 ) ( A ) & Section 611 ( a ) 1 ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to ... promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be deleted immediately since the original documentation was not provided therefore the account can not be verified. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 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: MD

Complaint narrative:
I'm writing to bestow my XXXX concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or misleading advertising or marketing — 
Company: Business Financing Corporation
State: OH

Complaint narrative:
In XX/XX/year>, I entered into a XXXX XXXX XXXX XXXX XXXX XXXX  agreement with CFG Merchant Solutions. The contract stated that it was an XXXX, but the terms included fixed daily payments of {$100.00}, which did not vary based on my businesss sales. The total amount I was required to repay was {$8900.00}, while I only received {$6000.00}, resulting in an effective APR of 217.7 %. 

The contracts terms resemble a loan, not an XXXX, as payments were fixed and not tied to receivables, as would be standard in a true XXXX. This high interest rate violates state usury laws if the contract is considered a loan, which I believe it should be based on its structure. 

After two months of daily payments, I found the terms to be financially unsustainable. CFG Merchant Solutions has since threatened to enforce a XXXX lien, which would allow them to seize my business assets. Their aggressive collection tactics, combined with the misrepresentation of the agreement as an XXXX, have placed my business under severe financial strain, ultimately leading to its closure. 

I believe CFG Merchant Solutions engaged in deceptive business practices by misclassifying the agreement to evade lending regulations and imposing terms that are inconsistent with an XXXX. I am requesting regulatory intervention to address these unfair practices and prevent CFG from further pursuing aggressive legal action based on an agreement that should be subject to stricter loan regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 non-monetary relief