vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-30 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am not familiar with LVNV FUNDING LLC, but there is a collection on my credit report claiming that I owe a debt to your company for the amount of {$500.00}, but I am confused where this misinformation is coming from. I was never informed that this debt was sold to you therefore I am a bit skeptical making a payment to an unverified company. Also, my balance with the original creditor is not the same as the balance that you are reporting on my credit report. Please explain how this meets FCRA requirements. Lastly, I have not received any proof that this account is mine especially since the balance is not correct. My personal information was involved in a data breach, so it is quite possible that my information was compromised. Please provide the original contract with my signature, correspondence that was sent to me to inform me that the account was sold, a copy of my photo id and social security card, the amount in which you purchased the debt, and a license to collect debt in the state of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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: Lockhart, Morris & Montgomery Inc.
State: IL

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under act 15 U.S.C. 1681 section 602 says 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 refurnish an account without my written instructions. Under 15 U.S.C 1666B a creditor can not treat a payment on a credit card account under an open Or consumer credit plan as late for any purpose

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under act 15 U.S.C. 1681 section 602 says 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 refurnish an account without my written instructions. Under 15 U.S.C 1666B a creditor can not treat a payment on a credit card account under an open Or consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I had a joint account with my Mother who passed away in XX/XX/2021 with TD Bank. The account # XXXX. After my Mother was placed in a XXXX XXXX my Brother XXXX XXXX XXXX took a fraudulant Power of Attorney to the Bank and obtained signature card on the account. Once I was made aware of this, I contacted TD bank 's fraud department who reviewed the Power of Attorney had the signature and all checks stopped on the account. However, I have discovered that the account was closed without my knowledge or notice. I have never received any notification of were the funds where transferred to or that the account was being closed. In addition the fraud department was made of aware of telephone transfers from my Mothers account while my Mother was XXXX XXXXXXXX  recovering from a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: CT

Complaint narrative:
i have disputed debt and this company would remove and then put back. or they would add or subtract XXXX every time i dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
I have already disputed the account XXXX XXXXXXXX XXXX from opened credit cards accounts on all my credit reports XXXX, XXXX, and XXXX last year of XXXX. I noticed my credit being ran in XXXX XXXX on XXXX XXXX I contacted XXXX XXXXXXXX XXXX and told them no I did not open this account. This account was opened in Mississippi, XXXX is the county I think. I have never lived any where other than XXXX address 's or XXXX XXXX. They proceeded to ask me if I had an authorized user on the account and I told them no. I asked them who it was and they said XXXX XXXX who is my ex-husband of XXXX. This person is a con artist with no credit and has stolen my info. I have no communication with this person and did not give them any permission to open any accounts in my name. This was disputed and closed But then put in collects on my credit report as they sold the account to Midland credit management. I called them again because I thought this was cleared the first time. they asked for my address and then proceeded to change it on the account saying all info is correct when that's not true. I want the account removed from my credit reports and future reports on XXXX, XXXX and XXXX. Thanks you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capital One runs Capital One XXXXXXXX- a website providing members with rebates on certain purchases that are paid out via gift cards. 

In XX/XX/2022, while I was shopping online, I received an offer from Capital One Shopping for 24 % off an item I had previously viewed. I activated this offer and purchased the item from the partner website. The calculated rebate amount is {$400.00}. 

I subsequently noticed that while the shopping trip was recorded in my Capital One XXXX account, the purchase and expected rebate amount was not recorded ( i.e., it saw that I visited the partner website but did not register the purchase ). As a result, I sent an email to help @ XXXX ( the only way to contact them ) describing the issue and providing a comprehensive set of documents evidencing their offer and the completed transaction. It has been three months and despite several follow-ups to this email address, there has been no meaningful action to resolve this matter. In most cases, they simply do not respond. 

I am owed a {$400.00} gift card from them and believe this to be a bait and switch incident that is also unfair and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
Ally bank sent me promotional email Want a cash bonus up to {$500.00} on XXXX XXXX XXXX 
In order to receive 1 % cash bonus, I have to enroll my account in promotion, move new money, and keep new money through XX/XX/XXXX. I enrolled my Ally saving account, moved {$30000.00} from external bank and kept the balance. Ally sent me email stated Im enrolled. 
My account is in good standing, but I still do not receive {$300.00} bonus, which should be paid on XX/XX/XXXX. 
I spoke numerous times with Customer Service by phone, opened case # XXXX in XXXX, and finally received message from Ally on XX/XX/XXXX. 
Please read attachment. It takes more than 1 month to tell me that the issue is still investigated and there is no resolution end date. 
I hope this complaint can help me to solve the problem.

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 monetary relief
Consumer complaint received 2023-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I made an uniformed decision that is causing damage to my livelihood on XXXX XXXX XXXX as there was no instant proof of debt offered to me when I initially engaged in this consumer credit transaction. After, reviewing the contract, I discovered that there was ambiguous, unclear and inconspicuous information that was not presented clearly and left me unaware of my alleged obligations. This lack of clarity prevented me from making an informed decision. I was pressured to make a decision without having access to complete pertinent facts, evidence of indebtedness & information on informed use of credit. They keep reporting to CRA 'S when the agreement should be null & void.

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 2023-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I received a check from a person for XXXX check was written on XXXXfrom XXXX XXXX. I deposited the said check on XX/XX/23 to JP Morgan Chase, and The check cleared. A couple of days later I tried to us my debit card and it was denied. I checked my account on my phone and they put a hold on the said check, but it cleared and was available. So I called the service number and was told that the needed to verify the writer. So I called the writer and they checked their bank and the writer said it had cleared, they took the money. So i called again. Now they tell me it is my responsibility to furnish a phone number. This has gone on for XXXX weeks now and multiple calls. They even wanted the writer to got to a branch to verify they wrote the check. They did and was told there was nothing need from her. I furnished all the numbers I could, to resolve the issue but they would not except any of them. They won't give me reason for the hold only they can't verify the phone number to the writer. After over XXXX weeks of back and forth with customer service. And the writer and me on a conference call with customers service, they refused verification. Now they have closed my account still have the XXXX and will not send it back to the writer or to me without a dispute letter from the writers BANK. they have done all of this with no notification to me at all, only a hold on a check. There seems to be a freeze or flag on my account and they won't tell me why. Now I called the writer and their bank doesn't know what to do either. I and my check writer are out the money for no understandable reason other than a phone number. I know that's a lie because all banks are linked to your phone. That's how we check our accounts. 
Please help, we need this resolved!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: Capital Link Management, LLC
State: IL

Complaint narrative:
I have started the process to file XXXX XXXXXXXX and signe the petition on XX/XX/2023. I have had repeated calls and text messaged from XXXX XXXX threatening legal action/direct refusal. I called and spoke with XXXX. i explained again that i was in the process of bankruptcy to stop calling me, my job & sending email. He was rude and curt and hung up and speaking super fast that he would take note.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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: GA

Complaint narrative:
XXXX Account # XXXX XXXX. XXXX  -- Account # XXXX XXXX. XXXX XXXX -- Account # XXXX XXXX. XXXX XXXX XXXX XXXX -- Account # XXXX XXXX. XXXX -- Account # XXXX XXXX. XXXXXXXX XXXX XXXX -- Account # XXXX XXXXXXXX XXXX XXXX -- Account # XXXX XXXX XXXX. XXXX XXXX -- Account # XXXX XXXX. XXXX XXXX XXXX -- Account # XXXX XXXX. XXXX -- Account # XXXX XXXX. XXXX XXXX -- Account # XXXX XXXXXXXX XXXX -- Account # XXXX Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2023-03-30 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: ND

Complaint narrative:
Credit score has been drastically lowered by equifax and XXXX XXXX even though there is no derogatory info on credit report and last hard inquiry was from XX/XX/2022 by a company I dont know of and to my knowledge did not authorize to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under act 15 U.S.C. 1681 section 602 says 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 refurnish an account without my written instructions. Under 15 U.S.C 1666B a creditor can not treat a payment on a credit card account under an open Or consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I sent the credit bureau letters asking them to verify information and accounts on my credit report. They sent me letter back stating that the accounts are verified as accurate. I still have inaccuracies on my report. 

XXXX XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) 15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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 2023-03-30 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: 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. 

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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2023-03-30 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: 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. 

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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2023-03-30 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: PA

Complaint narrative:
besides stating actual law and regulations the problems and incorrect information is still appearing on my credit reports, feels like and also appears that my complaint was essentially been ignored, inaccurate on my credit report is very harmful to me personally and financially.the credit bureaus just report anything that they choose to report despite and without regard. i have pointed out how my right to privacy has been violated, my accounts do not state that the accounts and information is being disputed ... 15 u.s.c 1681 ( a ) 2 ( a ) the information excluded from consumer reports Sub Section B paragraph 3 the term consumer report does not include, 1. a report containing information solely as to transactions or experiences the consumer 'myself ' and the person 'company ' making the report, 15 u.s.c 1681. no credit reporting agency shall furnish any information in a consumer report if they have knowledge or reasonable suspicion that the information is incomplete or is inaccurate, the account XXXX states that the status of that account was discharged in XXXX XXXXXXXX date account opened according to credit report is XX/XX/XXXX status updated is XX/XX/XXXX??? seriously, whats even more disturbing is the collections account from XXXX XXXX XXXX is from XXXX it states date opened XX/XX/XXXX and balance updated XX/XX/XXXX, XXXX both these accounts are XXXX  in the same so why is portfolio recovery illegally parked on the credit report. and why are the credit bureaus allowing that? all names besides the XXXX i have provided and addresses older then 7 years old, also the name XXXX XXXX XXXX is in my personal information PLEASE REMOVE!!!!!!!! i will if these matters are not addressed will be hiring counsel PLEASE DO NOT FURNISH OR PROVIDE ANY INFORMATION THAT IS INACCURATE,!!!! if you guys would conduct an actual investigation you will see the errors.. thank you.. hopefully this will be the end of this fiasco..

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