vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
In XX/XX/2022, I called in and set up a payment arrangement with XXXX XXXX XXXX  for a total of {$50.00} originally, then $ XXXX month afterwards, in which, then my account balance was on {$550.00}. The representative that I spoke with, a female, acknowledged the arrangement as she tried to get me to make a payment of {$110.00} on that day. I told her that I did not have that amount on that day, but I would happily make the {$50.00} payment, and the {$100.00} payment in the following month. The following week, I received a call from a male representative from XXXX XXXX XXXX  asking for a payment, I advised him of the arrangement that I had made the previous week, in which he denied seeing in their system and he even stated that XXXX XXXX XXXX  does not offer payment arrangements, although on my XXXX XXXX XXXX  app, it states to call them if there is difficulties making payments, in which I attempted to do. The following week after I had spoken to the male representative, I discovered that my whole account was locked. the last contact with XXXX XXXX XXXX  was a paper statement in XX/XX/, asking for a payment of {$61.00}, although my account was locked by then. In XXXX, XXXX  upon my last availability to access my account, my balace was on $ XXXX. In XX/XX/2022, I started receiving debt collectors letters from a company named XXXX XXXX XXXX XXXX who said that they were a debt collector, trying to collect a debt for LVNV for {$940.00}, a company in which I had never had business with, nor have even heard of. Upon checking, it states that LVNV was a debt collector, attempting to collect a debt for XXXX XXXX XXXX. As time goes by, I started receiving the same letters from a company called Resurgent Capital Services, who is trying to collect a debt for LVNV Funding, LLC on behalf on XXXX XXXX XXXX. I am disputing the amount of the debt, I am disputing the companies involved, in whom I've never had any business with. I'm not an expert by far, but this look very predatory to me. How does my account go from the {$600.00} 's, to lock, then to debt collectors, trying to collect debt for one another for {$940.00}?. How does my account continue to grow interest and fees when it's " closed. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I asked XXXX XXXX and equifax to delete the fraudulent inquires on my credit report but it has not been done. 

XXXXXXXX XXXX XXXX XXXX ; XXXX XX/XX/XXXX equifax mortgage 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 reported XXXX XXXX XXXX XXXX amount : {$610.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I asked XXXX XXXX and XXXX to delete the fraudulent inquires on my credit report but it has not been done. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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  Collection : XXXX XXXX XXXX reported XXXX XXXX XXXX XXXX amount : {$610.00}

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 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Remove all fraudulent accounts immediately!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX  XXXX Balance : {$9000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$600.00} XXXXXXXX XXXX XXXX Balance : {$9000.00}

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 2023-10-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Atlantic Discount Corporation dba Atlantic Financial Services
State: VA

Complaint narrative:
I was in the dealership. Looking for a vehicle. From my understanding and what I wanted I didn't need to have a loan taken out on the vehicle. I was not trying to finance. My credit was ran and I had given a down-payment

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 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: FL

Complaint narrative:
Hello my name is XXXX XXXX I login into my credit profile & saw inquiries on my credit report that shouldn't be there. I never authorized those transactions someone has stolen my identity. Credit bureaus Including Equifax & XXXX. I need these inquiries to be removed immediately thanks. 
These are the XXXX inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These are the Equifax inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-10-17 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: NJ

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

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 2023-10-17 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: NJ

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX and XXXX I tried to call the branch multiple times to ask simple questions regarding my account and the ability to change dollars to euros for a trip and if the euros needed to be ordered in advance. I tried calling multiple times over an hour and they did not answer their phones. I went to the bank and they told me that I had to order euros so they were unavailable and therefore I was unable to get the exchanged money in the timeframe I needed. I was also unable to order the euros in advance over the phone creating the need for me to go to branch two times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMCOL Systems, Inc.
State: MD

Complaint narrative:
To Whom It May Concern, I am writing to express my deep concerns regarding your collection agency 's behavior, particularly your deceptive claim that you work on behalf of XXXX XXXX XXXXXXXX in connection with an alleged debt. Such deceptive practices are not only unethical but also in violation of the Fair Credit Reporting Act ( FCRA ). I demand that you immediately cease all collection activities related to this account. 

I have taken the necessary steps to verify my financial obligations with my insurance provider and can confirm that no outstanding debt exists with XXXXXXXX XXXX  XXXX. Your false assertion of this debt is not only misleading but also a direct violation of the FCRA. 

Under the FCRA, you are required to provide me with the following documentation to validate the alleged debt : 1. **Original Documentation : ** I request that you provide the original documentation, including invoices, bills, and itemized statements, which demonstrate the legitimacy of the debt in question. 

2. **HIPAA Release Form : ** Given the sensitivity of medical records, I insist that you produce a HIPAA release form authorizing your access to my medical information, as is legally required to proceed with any medical debt collection. 

3. **Chain of Ownership : ** Provide a complete chain of ownership and all relevant records of this alleged debt account from its origin to the current holder, as required by FCRA . 

Failure to provide this information promptly will be considered a willful violation of my rights as a consumer under the FCRA, compounded by your deceitful practices. I am prepared to take legal action to protect my rights and ensure that such deceptive practices do not go unchecked. 

I demand that you respond to this dispute within 30 days of receiving this letter. Any further collection attempts without proper validation will be met with immediate legal action, and I will report your company to the appropriate regulatory authorities. 

I expect your full cooperation in rectifying this situation in a lawful and ethical manner. Deception has no place in debt collection, and I will not tolerate any further harassment or untruthful tactics. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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: TX

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.

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 2023-10-18 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: TX

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.

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 explanation
Consumer complaint received 2023-10-18 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: TX

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.

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 2023-10-18 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: TX

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.

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 2023-10-17 00:00:00
Product: Credit 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
I applied for a Best Buy card around XX/XX/. When I was in Best Buy I was approved and was told I got the Citibank Visa that can be used anywhere. I waited for the card in the mail and I did not receive it. When I went back to Best Buy on XX/XX/ to make a purchase they said they could see that I did in fact have a balance available. I called Citibank Customer service and they had all my information incorrect. My name is XXXX XXXX. They have me as XXXX XXXX in their system. They also had my address partially incorrect, they did not have my apartment number on file. When I applied at Best Buy all the information on the screen was correct so I don't know where the discrepancies came from. The customer service rep said she would correct everything and I could go ahead and make the purchase. So I did. Yesterday XX/XX/ I received a text message saying my card was yet again returned because my address was missing information. I spent 4 hours between Best Buy and Citibank trying to explain that they have my information wrong, they said they couldnt talk to me because I am not the primary account holder. I am the only person on this account. I finally got a supervisor at Citibank customer service but they said my account was locked because I called 4 times and I had to wait for a letter in the mail to reset my account. I will not get it because my mailing information is not correct. I am trying to get this taken care of because I don't know the due dates for payment. I do not want this to affect my credit score.

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 2023-10-17 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: TX

Complaint narrative:
I have inaccurate information on my credit report that does not belong to me. I filed my complaint with FTC and a police report. I would like the information removed from my credit report. 


Equifax Credit Report 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 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 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 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 Equifax XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
About 10 months ago Shellpoint did not pay all my taxes.I disputed it with them and they finally agreed they were wrong.I lost XXXX XXXX  on my credit score because of their ineptitude.In XXXX my tax collector sent me a notice that taxes werent paid, i contacted Shellpoint and they said they dont have to pay that portion of my taxes.That is totally wrong on their part, they must pay all taxes on my mortgage.This is the second time they have been wrong and i loost another XXXXXXXX XXXX  on my credit report and if they dont pay the taxes by XX/XX/XXXX i will be delinquent..I want them to fix this once and for all. 
The XXXX XXXX loss is due to Shellpoint saying i was in conflict with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: MA

Complaint narrative:
My bank account was charged for {$500.00} without my consent today XX/XX/2023. I neither provided my bank account information nor consented to auto-charges. Furthermore, my consolidated loans have been split into multiple loans which has impacted my credit score.

Company response to consumer: Closed with explanation