vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-01 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: FL

Complaint narrative:
To : EXPERIAN. I write to advise you that I plan to file a lawsuit against you in the United States XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX due to your multiple and ongoing willful violations of the FCRA and FDCPA. I need you to provide me with a list of options and preferred options to have the Summons and Complaint served upon you. Please advise me of your registered agent name, address and phone number for service of process in Florida AND all branches, offices, agents, attorneys or representatives in XXXX XXXX, Florida and in any other counties in Florida who can and are authorized to accept service of process. Moreover, after filing a lawsuit, I plan to send you a Notice of a lawsuit and request to waive service of a summons to reduce costs of service and provide you with additional time to respond. This may provide you with additional time to respond, instead of 20 days. For your convenience, please provide me with your preferred address to send such Notice with the Complaint, such as your Legal Department. Local Rules of the XXXX XXXX XXXX XXXX Florida require your counsel to confer with me before filing even routine motions to ascertain whether I oppose or unoppose a motion. If your counsel files a Notice of Appearance before a Clerks Default is applied for and needs an enlargement of time to file responsive pleadings, you may file a copy of this document representing to the Court that I do not oppose up to a 30 day enlargement of time to file responsive pleading to comply with the Rules obligation to confer. However, If you do not provide me with the information requested above and you are properly served with a Summons and Complaint, I will promptly at the earliest date possible file an application for a Clerks Default and a Motion for a Default Judgment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I have no supplied proof under the doctrine of the estoppel by silence, Engelhart v. Gravens, ( MO ) 281 SW 715,719, I pressume that no proof of the alleged debt, nor therefore, any such debt, in the fact therefore exist LVNV Funding LLC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 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:
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2023-09-01 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
COMPANY MIDLAND CREDIT MANAGEMXXXX XXXX  IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 6802 BY CONTINUING TO REPORT NON PUBLIC INFORMATION. ON XX/XX/XXXX, IN WRITING, I OPTED-OUT OF REPORTING FROM MIDLAND CREDIT MANAGEM/XXXX  BANK, AND SAID COMPANY IS STILL NOT RESPECTING MY CONSUMER RIGHT EVEN AFTER OPT-OUT NOTICE. 

MIDLAND CREDIT MANAGEM/XXXX XXXX  IS VIOLATING MY RIGHT TO PRIVACY PURSUANT TO THE FOLLOWING : -PRIVACY ACT OF 1974 GUARANTEES PROTECTION OF MY PERSONAL INFORMATION.

-CODE OF FEDERAL REGULATION TITLE 16 CHAPTER 1 SUBCHAPTER C PART 313 GRANT ME THE RIGHT TO OPT-OUT.

-TITLE 15 UNITED STATES CODE 6802 PRESCRIBES CONSUMER PROTECTION FROM AFFILIATE AND NON AFFILIATES OF MIDLAND CREDIT MANAGEMXXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Recently, i have reviewed my consumer report and notice that your alleging reporting the following account are LVNV FUNDING LLCXXXXWithout runished any substanital proof of verified according to the federal law, in order for you to report this account you would have had to verify and validate all alleged debt. As of XX/XX/2023, I am asking to provide to me that i had a contract to engage with LVNV FUNDING LLC, to cause such debt to exsist. As a result of this our must removed immediately be removed from my consumer report As i do challenge your validity pursuant 15 USC 1681B. please consider this letter as an initial communication demanding any evidence of my obligation to above mentioned account. As a reminder, any account that you continue to report without being able to validate is a direct violation of my rights listed through the FDCPA and FCRA both together and separate. this is not a dispute of ownership but as a consumer i am aware of my FEDERALLY PROTECTED RIGHTS, if you cant prove the requested documentation my demand is that the account be removed immediately upon receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 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: PA

Complaint narrative:
I have no supplied proof under the doctrine of the estoppel by silence, Engelhart v. Gravens, ( MO ) 281 SW 715,719, I pressume that no proof of the alleged debt, nor therefore, any such debt, in the fact therefore exist XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding account XXXX which you claim I have repossession. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and Equifax ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

I am a victim of Identity theft or this is an error. I never had a car loan threw them nor ever had a vehicle repossessed. This is all inaccurate information and I need it removed from my credit report Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01 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: IL

Complaint narrative:
On XX/XX/, I sent a certified letter to Equifax detailing inaccuracies in my credit report. Equifax received this letter on XX/XX/2023. Within the letter, I provided a thorough account of the issues in my credit profile and attached a notarized letter for validation. Copies of my identification card and social security card were also enclosed for identity verification. Under the FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ), such disputes should be addressed within 30 days. 

However, instead of addressing the issues, Equifax responded on XX/XX/, asking for further identity and address verification. Interpreting this as a delay tactic, I approached the CFPB and filed a complaint on XX/XX/. The case closed on XX/XX/. 

While I appreciate the CFPB 's efforts, I am dissatisfied with Equifax 's response. There are several inconsistencies : Inconsistent Communications : Despite Equifax 's claims of multiple investigations, I have only received two responses. The first was on XX/XX/, requesting more verification, and the second was on XX/XX/, noting they were still processing my initial dispute. 

Address Discrepancies : Equifax sent information to two addresses in the same month, raising concerns about their process 's reliability. 

Public Record Concerns : Unlike my XXXX and XXXX reports, Equifax 's report mentions public records, indicating potential inaccuracies. 

Having endured identity theft, I am acutely aware of the pivotal role of precise credit reporting. The ongoing presence of these inaccuracies jeopardizes my entitlements to vital services, including credit access and housing amenities. I sincerely hope Equifax acknowledges its obligations under the FCRA, respects consumer rights, and ensures a swift resolution. 

Equifax 's approach suggests they have not genuinely resolved my dispute nor complied with the FCRA 's guidelines. I urge the CFPB to reconsider my case or guide me on the next steps. I trust the CFPB to ensure fair practices and accuracy for consumers like myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Clear Recovery, Inc.
State: CO

Complaint narrative:
XXXX XXXX XXXX sent me a bill that generated on XX/XX/XXXX  and I received said bill on XX/XX/. The bill was due dated XX/XX/XXXX  and when trying to make a payment they said they sent my bill to collections. I was up to date on said bill by paying {$670.00}. When talking to the collection agency they said they would not sell my bill back to XXXX and I had not received a letter or phone call stating they had my debt. I was also never given information on what my debt was. I was also told the collection agency had already charged me XXXX dollars in interest before even knowing about my bill going to collections. The collections agency is XXXX XXXX out of XXXX, Nebraska.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 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:
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.

Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-09-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC
State: TX

Complaint narrative:
The monthly installment fluctuates between XXXX to XXXX. It never seems to go down. I've been paying those amounts for the last 11 months. On a vehicle, that's only worth $ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I sent them a letter regarding that they were violating my rights also disputed them. Under this law Validation of Debts 15 U.S.C. 1692g Also Harassing or Abusive Practices 15 U.S.C. 1692d, False or Misleading Representations 15 U.S.C. 1692e claiming that they will not use if I make payment that is coercion deceptive acts harassment Furnishing Certain Deceptive Forms 15 U.S.C. 1692j

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 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: FL

Complaint narrative:
To : Trans Union I write to advise you that I plan to file a lawsuit against you in the United States District Court XXXX XXXX XXXX Florida XXXX XXXX due to your multiple and ongoing willful violations of the FCRA and FDCPA. I need you to provide me with a list of options and preferred options to have the Summons and Complaint served upon you. Please advise me of your registered agent name, address and phone number for service of process in Florida AND all branches, offices, agents, attorneys or representatives in XXXX XXXX, Florida and in any other counties in Florida who can and are authorized to accept service of process. Moreover, after filing a lawsuit, I plan to send you a Notice of a lawsuit and request to waive service of a summons to reduce costs of service and provide you with additional time to respond. This may provide you with additional time to respond, instead of 20 days. For your convenience, please provide me with your preferred address to send such Notice with the Complaint, such as your Legal Department. Local Rules of the XXXX XXXX XXXX XXXX Florida require your counsel to confer with me before filing even routine motions to ascertain whether I oppose or unoppose a motion. If your counsel files a Notice of Appearance before a Clerks Default is applied for and needs an enlargement of time to file responsive pleadings, you may file a copy of this document representing to the Court that I do not oppose up to a 30 day enlargement of time to file responsive pleading to comply with the Rules obligation to confer. However, If you do not provide me with the information requested above and you are properly served with a Summons and Complaint, I will promptly at the earliest date possible file an application for a Clerks Default and a Motion for a Default Judgment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: PR

Complaint narrative:
American Express Company continues to engage in a recurrent and maliciously intended practice of sabotaging the mailbox of XXXX XXXX XXXX XXXX with unwanted, unrequested, and unwelcomed marketing material about their products and services. American Express Company was informed that all of XXXX XXXX XXXX XXXX members and owners have already submitted their information to XXXX, has requested XXXX XXXX XXXX to inform any financial institution service provider to not send any sort of promotional material, and American Express Company was even informed by letter and phone call to Cease and Desist of this practice ; American Express Company has ignore all requests and continues with their sabotaging practices. 

I am humbly requesting the agency to assume jurisdiction, and to reach any other stakeholders needed to address these malicious practices. 

Kind regards, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01 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: GA

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. 

Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2023, I was informed that Bank of America decided to close my checking account. I was also informed that it would take approximately 2 months for them to send me the money I have in my account. They would not tell me why they were closing my account or why it would take two months to get my money. I have over {$12000.00} in my account now. I need to access to my money to pay my mortgage, my employee 's salary, and other bills. I don't think it's right or fair that I have to wait so long to get my money. Denying access to my funds will cause hardship for my employee and cause me financial harm. I will be charged late fees on my bills and mortgage that I pay late. This will also harm my credit standing as late payments are reported to credit rating agencies. If the bank wants to close my account, that's fine, but I need them to send me my money 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 explanation
Consumer complaint received 2023-09-01 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: GA

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.

Has violated my rights. Or list of inquiries 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
From XX/XX/2023 through XX/XX/2023 my credit report has been accessed by XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX  and several inquires from XXXX XXXX XXXX. I did not authorize any of these inquires. I have authorized XXXX XXXX to access my credit report only once and I now have ( XXXX ) inquires affecting my credit score. I want all these inquires removed immediately. I had a preauthorization/preapproval with XXXX XXXX XXXX  only and authorized for my credit to be pulled once. Please see the attached documentation.

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