vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Around XX/XX/2024 I received two letters from XXXX and/or LVNV about two alleged Collection accounts. On XX/XX/2024 I requested Validation, disputed it, and Asked for Purchase agreement between XXXX and XXXX XXXX XXXX On XX/XX/2024 they responded " Thank you for contacting us and sharing your concern. To assist, we will request verification of this debt from our client. XXXX XXXX or our client will mail the validation to the current address we have on file. Collection activity on your account has been placed on hold and will only continue after verification has been sent to you. '' Around XX/XX/2024 no correspondence or email had been received from this alleged collection agency and collection activity had been reported to all 4 credit bureaus. A direct violating of all Collection Law. See Attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 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: MI

Complaint narrative:
I recently check my credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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. This account with XXXX XXXX XXXX XXXX XXXX is Not reporting accurately. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX is not reporting correctly, open date is NOT reporting correctly, payment status is inaccurate, and this account is NOT ACCURATE. 
This account with XXXX XXXX XXXX XXXX was modified and updated on XX/XX/XXXX. To Paid As Agreed after I disputed it with the President Office with actual creditor. This account payment status has been REINSERTED back to ( Not More Than XXXX Payments Past Due ) on XX/XX/XXXX. See Attached supporting documentations. 
I have received updated alerts indicating this reinstated payment status. Along with information regarding this account open date. This account has a inaccurate open date of XX/XX/XXXX. When in fact this account was opened on XX/XX/XXXX according to my contract with XXXX XXXX XXXX XXXX. As you will see that there is another account that XXXX XXXX XXXX XXXX is reporting with a open date of XX/XX/XXXX. I have attached the actual contract date that shows the open account date. I have attached the investigation credit report that was modified on XX/XX/XXXX. I have attached the credit alert from the account that clearly shows the wrong open date and inaccurate REINSERTED payment status. That was modified and updated 24 days prior. 
I have disputed this account for over 6 months in regards to it reporting. On a wrong open date and every time it is modified. After the investigation on XX/XX/XXXX was completed. It then took 24 days later for the negative inaccurate payment status of Not More Than XXXX Payments Past Due to again reappear. I was told by XXXX XXXX XXXX XXXX president office that XXXX, XXXX, and XXXX late payments. Would be removed, due to their system continued to run on a closed account for XXXX consecutive months. In other words, the account did close on XX/XX/XXXX. XXXX XXXX XXXX XXXX fail to close it out on that date within their system. The system continued to run payments for XXXX, XXXX, and XXXX. Acquiring 30 to 59 days of unnecessary late payments on that account. The creditor recognized that error and I was informed that it was corrected. Yet it has reappeared again after the investigation along with an account. That has a inaccurate open date that is reporting every 30 days. See supporting documentations

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello, I tried to dispute this online. Im unable to do with Equifax. This information is too old to be on my credit report. XXXX XXXX and XXXX deleted it. Please delete it thank you. Im unable to dispute through the portal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I submitted a complaint through CFPB on XX/XX/2024. However they rejected my claim, and lied in their response without a shred of proof. Why are they allowed to blatantly lie without any proof? 

I submitted 8 screenshots of proof of them lying and cheating. This is unacceptable. Why are these large companies allowed to get away with lying and cheating their customers? I will be pursuing legal action if this is not resolved. I have strong evidence and proof of their lying.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 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: IL

Complaint narrative:
I reached out to Experian to correct information on an account, as they have a responsibility to report information accurately per 15 U.S.C.1681e and required to provide documentation to prove their claim per 15 U.S.C. 1637 ( b ) upon request. I have not received requested documentation. This is a tortuous and negligent act of willful civil non noncompliance per 15 U.S.C.1681n and 15 U.S.C 1681o, to which Experian will beheld liable without adhering to the F, C, R, A, and violating my consumer rights.

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 2024-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
I was sued by the credit card company and load the debt in full. The debt has since been discharged by the courts because paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are dates of account opening when it was opened over 7 yrs ago. I was in the hospital here in California all of 2023. They are saying account opened in 2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 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: MO

Complaint narrative:
In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, ( 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 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, ( XXXX XXXX XXXX. 15 USC 1681Section, 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( 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. In addition, 15 USC 1681 s-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 in accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Netspend Corporation
State: CA

Complaint narrative:
I had a Netspend account and the card was stolen and compromised while I was incarcerated. The criminals apparently issued themselves a new card. I found disputes on the charges on the old and the new card because both were related to my account thats been approved the dispute for for the account with the lowest charges and told me, I should be grateful they are giving me anything. Multiple agents have informed me that they are supposed to hang up on me which they have been doing the part I have the dispute number and amount which was denied and I was told by authorize even after I was found to not have authorized charges on the same day within minutes of each other. XXXX agent even told me that she doesnt like XXXX XXXX and she would do whatever she could for me not to get this money and that they dont listen to these calls anyway. my XXXX went almost 30 days past the mark of the XXXX they told me before provisional credit would be granted before they denied it.

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 2024-03-17 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:
XXXX fXXXX Has violated the faith in the public trust and ignores commercial laws. I assert That My status needs to be reported as active with good standing only on any public form. XXXX XXXX lack of disclosure and false and misleading business practices have been fraudulent and a form of extortion, You simply can not bind any minor into any agreement without showing proof that you have performed on your duties and that their is proof for mutual benefit. XXXX XXXXl as acted not as a securities transfer intermediary but as a debt collector and loan shark and solicited private consumer information. XXXX XXXX must also provide recession provisions you can not ignore letting the minor or any party know their duties acceptable practices and terms of cancelation. XXXX XXXX has taking Estate credits and issued them to the beneficiary did not give the full value of the credit, sold or transferred the note and private information and extorts the beneficiary to make him seem as the trustee and further defraud ESTATE Property. Beneficiaries are due reconciliation for damages payable immediately and un demand. XXXX XXXX has neither provided proof verified by XXXX party or AFFIDAVIT of truth on any points beneficiary has made sticking to the principles and starting with showing that they have the promissory note in its original wet signature form, and that the funds credited were from XXXX XXXX prior assets ; date and time of the XXXX meeting with share holders that provided XXXX XXXX to lend from these assets, the beneficiary is also a shareholder of XXXXXXXX XXXX and was not notified of this meeting nor approved of this extortion. The trust relation ship is expressed as given notice publicly recorded within county court. all family members and accounts were carried out in this manner and an immediate investigation of Tax evasion should be warranted Immediate return of all property is demanded. They have claimed charged off funds with the internal revenue service and never issued a 1099-C to the beneficiary, then sent XXXX XXXX XXXX XXXX information to continue to extort funds from the beneficiary. CO- conspirators known as credit bureaus ( XXXX XXXX Equifax XXXX shall be subject to the same fines of fraud yet not limited to any violations they are guilty of. XXXX XXXX is also continuing to garnish wages from labor and report this being paid as agreed with negative collection statuses continuously renewing and continuously lowering " credit scores publicly damaging to the XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 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:
XXXX XXXX  Has violated the faith in the public trust and ignores commercial laws. I assert That My status needs to be reported as active with good standing only on any public form. XXXX XXXX lack of disclosure and false and misleading business practices have been fraudulent and a form of extortion, You simply can not bind any minor into any agreement without showing proof that you have performed on your duties and that their is proof for mutual benefit. XXXX XXXX as acted not as a securities transfer intermediary but as a debt collector and loan shark and solicited private consumer information. XXXX XXXX must also provide recession provisions you can not ignore letting the minor or any party know their duties acceptable practices and terms of cancelation. XXXX XXXX has taking Estate credits and issued them to the beneficiary did not give the full value of the credit, sold or transferred the note and private information and extorts the beneficiary to make him seem as the trustee and further defraud ESTATE Property. Beneficiaries are due reconciliation for damages payable immediately and un demand. XXXX XXXX has neither provided proof verified by XXXX party or AFFIDAVIT of truth on any points beneficiary has made sticking to the principles and starting with showing that they have the promissory note in its original wet signature form, and that the funds credited were from XXXX XXXX prior assets ; date and time of the Board meeting with share holders that provided XXXX XXXX to lend from these assets, the beneficiary is also a shareholder of XXXX XXXX and was not notified of this meeting nor approved of this extortion. The trust relation ship is expressed as given notice publicly recorded within county court. all family members and accounts were carried out in this manner and an immediate investigation of Tax evasion should be warranted Immediate return of all property is demanded. They have claimed charged off funds with the internal revenue service and never issued a 1099-C to the beneficiary, then sent XXXX XXXX my personal information to continue to extort funds from the beneficiary. CO- conspirators known as credit bureaus ( XXXX XXXX XXXX XXXX shall be subject to the same fines of fraud yet not limited to any violations they are guilty of. XXXX XXXX is also continuing to garnish wages from labor and report this being paid as agreed with negative collection statuses continuously renewing and continuously lowering " credit scores publicly damaging to the 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 2024-03-17 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: P.S.C., Inc
State: WA

Complaint narrative:
I contacted them after I was being garnished and they couldn't help me. I even called and no one want to speak to me that it's all done and nothing I can do. 

My problem now I was hospitalized and I have so much bills that after my garnishment all I have left is to pay rent. 

I don't know how to Contact the court to help me fight

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 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are dates of account opening when it was opened over XXXX yrs ago. I was in the hospital here in California all of XXXX. They are saying account opened in 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 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are dates of account opening when it was opened over XXXX yrs ago. I was in the hospital here in XXXX all of XXXX. They are saying account opened in 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 2024-03-17 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I recently received a updated investigation results from Experian. Indicating that account with XXXX XXXX XXXX XXXX REMAINS ) on my credit report. I have requested from the actual creditor to produce all documentations along with the contract with my actual signature. I sent this request for information over 3 months ago. Yet the company Never responded nor did they supply me with any piece of documentations. To show that this alleged debt was in fact my actual debt. 
I requested Experian to send me a detailed description of their investigation. I requested them to provide me with the supporting documentations that they gathered. That they have claimed was verified from the creditor. Experian refused to supply me with this critical detailed information/documentations as well. 
The creditor failed to supply the alleged actual contract in over 3 months. After I sent the certified letter asking for that contract. That they so verified that it was mines, yet they signed it and accepted the certified letter. 
Again Experian has not produce detailed description of their investigation. Nor have they produced any documents to me. That has a contract with my signature. That proves that this debt actually belongs to me. Some how this investigation results was closed out with Experian before CFPB had a chance to respond with its results. 
I ask that this account be removed from my Experian Credit Report. In violation of the Fair Credit Reporting Act. In which the creditor were not able to produce documentations in 35 days. That is required by law,, That dated from XX/XX/XXXX until this date XX/XX/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 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX is reporting an inaccurate information on all three of my credit reports they have accounts open and closed on each different credit report previously XXXX XXXX, and 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 2024-03-17 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: UPGRADE, INC.
State: CA

Complaint narrative:
A previous complaint was submitted and nothing came of it. This will be my last attempt before moving forward with other options due to securities XXXX and a host of other violations. At this time, my debt has been sold/transferred to a third party ; reference 12 CFR 1006 Fair Debt Collection Practices Act. I will not include a XXXX codes and violations, as my next step will be in XXXX XXXX. I am aware of XXXX XXXX XXXX XXXX, however my original contract is with Upgrade. XXXX XXXX has no jurisdiction and they will be handled accordingly, as well as Upgrade, if this is not rectified immediately.

12 CFR 27.2 Applicant means a natural person, including a co-applicant, who makes an application. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.The federal securities statute described under 18 U.S.C. 1348 is patterned after the mail XXXX and wire XXXX statutes and states it's a federal crime to defraud anyone in connection with a security or commodity or to obtain any money or property from the purchase or sale a security, by using means of false or fraudulent pretenses, representations, or promises. The Securities Exchange Act of 1934 governs the trading of stocks and bonds in the United States and the law was established by the Securities and Exchange Commission ( SEC ), which is responsible for enforcing the federal securities law. 
Must I continue? Upgrade and XXXX XXXX XXXX will be named in a securities XXXX  lawsuit if not rectified. Furthermore, according to relevant XXXX & XXXX forms filed with the SEC, securities XXXX will easily be established with a proper audit. XXXX is not what I want to do, but if necessary, I will.

Company response to consumer: Closed with explanation