vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX, XXXX for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ). Despite my attempts to address the issue directly with the agency, the following violations have remained unresolved : 1. Unauthorized Debt Acquisition : XXXX XXXX XXXXXXXX acquired a debt from the original creditor, Synchrony Bank, without obtaining my explicit consent. As per the FDCPA, it is illegal for a collection agency to acquire and pursue debts without the debtor 's consent. 
2. Failure to Provide Verification of Debt : On XX/XX/, I sent a written request to XXXX XXXX XXXX requesting verification of the alleged debt they were pursuing against me. However, the agency failed to provide any valid documentation or evidence supporting the existence and accuracy of the debt, as required by the FDCPA. 
3. Ignoring Cease and Desist Instruction : In my previous correspondence with XXXX XXXX XXXX, I explicitly instructed them to cease all communication with me regarding the alleged debt until proper verification was provided. Despite this instruction, the agency continued to engage in collection efforts, including phone calls and letters, disregarding my rights under the FDCPA. 
These ongoing violations have caused significant distress and have infringed upon my rights as a consumer. In light of these circumstances, I am seeking the following actions : 1. Investigation : I request that the Consumer Financial Protection Bureau ( CFPB ) conduct a thorough investigation into the actions of XXXX XXXX, XXXX to determine the extent of their violations and hold them accountable for their non-compliance with the FDCPA. 
2. Cease Collection Efforts : I demand that XXXX XXXX, XXXX immediately cease all collection activities related to the alleged debt until they provide valid verification as required by the FDCPA. 
3. Remedial Measures : I urge the CFPB to take appropriate measures to ensure that XXXX XXXX XXXXXXXX rectifies their violations, including but not limited to imposing penalties and sanctions as permitted by the FDCPA. 

Enclosed with this complaint, you will find copies of all relevant correspondence, including the written request for debt verification and the documented disregard of the cease-and-desist instruction. These documents serve as evidence to support my complaint. I appreciate your attention to this matter and your commitment to protecting consumer rights. I trust that the Consumer Financial Protection Bureau will take swift and decisive action to address these violations and provide me with a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian keeps putting fraud alerts on my file without my permission, I did not request them to do it, nor did they contact me before doing so. I want it removed from my file ASAP, and notified by email and phone call that is was removed.

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 2023-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Please be advised that the following account should not be on credit file :! - XXXX  XXXX XXXX account # XXXX Authorize user, terrminated relation XXXX XXXX  XXXX  XXXX account # XXXX authorize user, terminated relation. i do not wish be be an authorize user on account s. 
delete account s from my credit file. 
XXXX XXXX XXXX XXXX  XXXX account XXXX this account was set up on auto pay, however, on XXXX is reporting a 30 day late. this account was always on auto pay. I ask that the late payment on XXXX XXXX be removed from my credit file. 
my request is for Experian, XXXX and XXXX. 

Also, respested companies. 


Thanks, 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 explanation
Consumer complaint received 2023-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had an account at Chase Bank that I used to transfer money to buy cryptocurrency it was purely a checking account that generally had {$200.00} to {$500.00} in it give or take. After periodically adding money and withdrawing money to transfer to by cryptocurrency I noticed I was being charged monthly for having less than {$500.00} in my account at the beginning and end of the month. I don't remember exactly how much the charge was but I was not spending money with a debit card or credit card attached this account I was purely transferring money to and from it. When I went to close the account knowing that I had at least {$100.00} in there I was told that I had a negative balance of over {$35.00} but they would be glad to wipe that to a XXXX for me. It makes no sense to me why banks are allowed to charge for simply not having {$500.00} in your account. I'm not talking about having {$500.00} in your account while you're trying to process a transaction or transfer I'm simply talking about not having {$500.00} in your account throughout the month and they charge you for that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 A section 2 states a consumer reporting agency can not furnish an account without my written permission and instructions. 

I assure you that missing payments is rare for me. You can check my payment history to see that Ive always made on-time payments. These loans were discharged due to 100 % XXXX and never went into forbearance.

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 2023-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 A section 2 states a consumer reporting agency can not furnish an account without my written permission and instructions.

I assure you that missing payments is rare for me. You can check my payment history to see that Ive always made on-time payments. These loans were discharged due to 100 % XXXX and never went into forbearance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 A section 2 states a consumer reporting agency can not furnish an account without my written permission and instructions. 

I assure you that missing payments is rare for me. You can check my payment history to see that Ive always made on-time payments. These loans were discharged due to 100 % XXXX and never went into forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My consumer rights are being violated by Equifax, with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance .I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. 

I have uploaded my letter. To show proof, that I have mailed this letter to Equifax. 

Equifax have violated my rights, and continue to not honor my dispute by saying they can not find this letter, I have mailed in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
15 USC 1681 Section 602 states that I have the right to privacy. 
15 USC 1681 Section 604 A section 2 states a consumer reporting agency can not furnish an account without my written permission and instructions. 

I am writing to dispute the following information in my credit file. On XXXX XX/XX/2023, I retrieved a copy of my credit report and discovered multiple inaccurate inquiries that I had no knowledge of. I did not apply for credit with these creditors and I have also tried to reach out to the creditors multiple times asking if they can remove the respective inquiries from my credit profile. 

If you also find that the inquiries are invalid, I am requesting that it be removed from my credit report as soon as possible. If the creditors can prove that the inquiry is indeed valid, please provide written proof and description of the investigation was conducted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENOVA INTERNATIONAL, INC.
State: WI

Complaint narrative:
Theres been a problem with inquiries on my report that I did not do they had no permission to use my name to file these inquiries and they cant provide my application or signature for the verification

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ( CREDIT ACCOUNT REPORTED INACCURATELY AND ERRONEOUSLY MUST BE REMOVED IMMEDIATELY ) 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 non-monetary relief
Consumer complaint received 2023-05-20 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ( CREDIT ACCOUNT REPORTED INACCURATELY AND ERRONEOUSLY MUST BE REMOVED IMMEDIATELY ) 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 2023-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to file a formal complaint against XXXX, Equifax, and XXXX for their persistent violation of the Fair Credit Reporting Act ( FCRA ). Despite my repeated attempts to address the issue, the following violations have remained unresolved : 1. Failure to Update Paid Charge-Off : I successfully resolved a paid charge-off with XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX Written documentation exists, confirming their promise to remove this charge-off from my credit report within 30 days of payment. However, it continues to be reported on my credit report, even though we have entered into the year XXXX. 
XXXX. Illegal Debt Acquisition and Pursuit : On XX/XX/XXXX, I communicated with XXXX XX/XX/XXXXXXXX, a collection agency, explicitly instructing them to return the debt to the original creditor, XXXX XX/XX/XXXX. It is essential to note that acquiring debt and pursuing individuals without explicit consent is a violation of the law. I have no signed agreements with these collection agencies, and despite my request, they have failed to comply with returning the debt. 
As a result of their non-compliance, I am prepared to take the following actions : 1. File complaints with the Consumer Financial Protection Bureau ( CFPB ), XX/XX/XXXX), Federal Trade Commission ( FTC ), and the Attorney General. 
XXXX. Retain the services of a consumer attorney to pursue legal action. 
XXXX. File complaints against the credit bureaus for damages. 
I firmly believe that the gravity of these violations should not be underestimated, and it is crucial for [ Name of Creditor/Collection Agency ] to promptly rectify these issues. Failure to do so will leave m XXXX, Equifax, and XXXX no choice but to proceed with legal action and further complaints against your organization. I have attached copies of previous correspondence, including the documentation of my instruction to XXXX XXXX, XXXX. Please consider these documents as evidence supporting my complaint. 

I kindly request your prompt attention and investigation into this matter. I look forward to your assistance in resolving these violations and enforcing my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to file a formal complaint against Experian, XXXX, and XXXX for their persistent violation of the Fair Credit Reporting Act ( FCRA ). Despite my repeated attempts to address the issue, the following violations have remained unresolved : XXXX. Failure to Update Paid Charge-Off : I successfully resolved a paid charge-off with XXXX XXXX XXXX  and XXXX XXXX XXXX Written documentation exists, confirming their promise to remove this charge-off from my credit report within 30 days of payment. However, it continues to be reported on my credit report, even though we have entered into the year XXXX. 
XXXX. Illegal Debt Acquisition and Pursuit : On XX/XX/XXXX, I communicated with XXXX XXXX, XXXX, a collection agency, explicitly instructing them to return the debt to the original creditor, XXXX XXXX. It is essential to note that acquiring debt and pursuing individuals without explicit consent is a violation of the law. I have no signed agreements with these collection agencies, and despite my request, they have failed to comply with returning the debt. 
As a result of their non-compliance, I am prepared to take the following actions : XXXX. File complaints with the Consumer Financial Protection Bureau ( CFPB ), XXXX XXXX XXXX XXXX XXXX XXXX, Federal Trade Commission ( FTC ), and the Attorney General. 
XXXX. Retain the services of a consumer attorney to pursue legal action. 
XXXX. File complaints against the credit bureaus for damages. 
I firmly believe that the gravity of these violations should not be underestimated, and it is crucial for [ Name of Creditor/Collection Agency ] to promptly rectify these issues. Failure to do so will leave XXXX Experian, XXXX, and XXXX no choice but to proceed with legal action and further complaints against your organization. I have attached copies of previous correspondence, including the documentation of my instruction to XXXX XXXX, XXXX. Please consider these documents as evidence supporting my complaint. 

I kindly request your prompt attention and investigation into this matter. I look forward to your assistance in resolving these violations and enforcing my rights under the FCRA.

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 2023-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Avant Holding Company, Inc.
State: VA

Complaint narrative:
I was told my credit WOULD NOT BE RAN AND IT WAS, WHICH IS A LIE. I want to file a complaint because it was a hard inquiry and it said no impact to your credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Checkr, Inc
State: MO

Complaint narrative:
about six years ago i live in XXXX XXXX XXXX got sick got behind went to court for what i owe XXXX XXXX put me on a payment plan... ..paid it off on the dates they told me to do i paid it off in full got the letter and the payment plan sheet how i paid it and this judgement is not on any of my credit report cause it paid in full thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I am trying to obtain my Free Annual Credit Report from Equifax. Completed online request but Equifax replies with message to call their XXXX number.. I am hearing impaired and avoid any business dealing over the telephone. I have had this same problem off and on for years with this company. Why can this company not provide information requested by online inquiry?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: NJ

Complaint narrative:
Making a hard inquiries on my credit report for the payment I didn't own

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Zions Debt Holdings
State: FL

Complaint narrative:
I do not have an account, nor have I ever had an account with Zions Debt Holdings based out of UTAH or any of its affiliates, I have never received any notification of this debt prior to it automatically showing up on my Credit Bureau Reports. I have not been given the chance to dispute of validate this debt pursuant to the Fair Debt Collection Practices Act 15 U.S.C. 809. I have researched only to find they are a company out of Utah with a Registered Agent of XXXX XXXX. I was unable to verify any licenses to collect in Florida with the Florida Office of Regulatory Licensing or in Utah for that matter. This is not a refusal to pay but a matter that needs should have been validated. I want to make sure that this is not a debt that has been re-aged from an old account that could have been possibly tied to a previous bankruptcy I filed several years ago. I want to be able to provide proper documentation in its entirety to my Attorney if need be. They have seriously harmed my credit rating without notice of my rights as a consumer and never given the opportunity to dispute the validity of this debt and its entirety. They claim I owea balance of High Balance {$1300.00} with an Original Creditor by the name of XXXX which i firmly dispute that i have opened in XX/XX/2022. I have never opened an account nor have I ever had an account.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation