vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
On XX/XX/XXXX, I was contacted by a 3rd party stating that they were trying to serve me legal papers for a collection agency for a debt that was owed in XXXX. She stated that they tried to contact me back in XX/XX/XXXX and they were now pursuing legal options and they would be placing a judgment against me. I explained that I had already submitted a debt validation letter and the information that they sent me was not suffice to establish that this was my account. She then said they would continue to pursue legal action and I explained I did not believe this was my account. She then said well I doubt a criminal would pay an account on time for years and then not pay all of a sudden. I then explained that this debt is way past the statute of limitations and she explained that according to their tolling agreement when approving the credit, the creditors can do whatever they want to pursue this debt and then she told me to XXXX it. I told her to do not call me again, I would be sending a cease and desist letter and she said she would notate the account and hung up in my face. The collection agency is LVNV Funding LLC. The 3rd party that contacted me on their behalf just said they were legal services but the phone number is ( XXXX ) XXXXThey also called an ex boyfriend of mines as well and provided him with information that they shouldnt have.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-28 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I had a credit card with XXXX bank. 
It was charged off in XXXX with a balance of {$2000.00}. 
I reached a settlement with them for {$910.00} which is supposed to be paid by XX/XX/XXXX. 
I sent a check for {$910.00} which they received by XX/XX/XXXX and it was posted to account on XX/XX/XXXX. 
According to the agreement, " As of the date of this letter, your account balance is {$2000.00}. Once receipt of the agreed settlement amount of {$910.00} by XX/XX/XXXX ( plus an additional 15-day waiting period to validate funds ) is confirmed we will consider your account balance settled- for an amount less than the full balance - and will send an update to the credit reporting agencies '', they didnot update my credit reports accurately. 
On XXXX, they updated my credit reports saying I made the payment of {$910.00} and remaining {$1100.00} as still balance on the account instead of reporting settlement and making the balance XXXX according to settlement agreement. 
This inaccurate reporting is affecting my account status utilization ratio and thus affecting my credit score adversely. 
I reached out to Office of the presidents, XXXX for resolution but there is no resolution after two weeks of initiating a complaint with them. 
If they don't respond to this complaint and update my credit reports accurately by reporting a settlement when it was completed back in XXXX, I will bring a lawsuit against XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I had a credit card with XXXX bank. 
It was charged off in XXXX with a balance of {$2000.00}. 
I reached a settlement with them for {$910.00} which is supposed to be paid by XX/XX/XXXX. 
I sent a check for {$910.00} which they received by XX/XX/XXXX and it was posted to account on XX/XX/XXXX. 
According to the agreement, " As of the date of this letter, your account balance is {$2000.00}. Once receipt of the agreed settlement amount of {$910.00} by XX/XX/XXXX ( plus an additional 15-day waiting period to validate funds ) is confirmed we will consider your account balance settled- for an amount less than the full balance - and will send an update to the credit reporting agencies '', they didnot update my credit reports accurately. 
On XXXX, they updated my credit reports saying I made the payment of {$910.00} and remaining {$1100.00} as still balance on the account instead of reporting settlement and making the balance XXXX according to settlement agreement. 
This inaccurate reporting is affecting my account status utilization ratio and thus affecting my credit score adversely. 
I reached out to Office of the presidents, XXXX for resolution but there is no resolution after two weeks of initiating a complaint with them. 
If they don't respond to this complaint and update my credit reports accurately by reporting a settlement when it was completed back in XXXX, I will bring a lawsuit against 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 2023-03-28 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: OneMain Finance Corporation
State: CA

Complaint narrative:
This is a complaint against one main financial and XXXX XXXX. This is regarding onemain financial pulling my credit without my authorization. On the XXXX of XXXX, XXXX I received a call at XXXX XXXX from one main financial ( phone # XXXX XXXX XXXX ) offering a pre-qualified loan, without mentioning the amount. The person that I talked to said that one of the requirements was to have a cars title under my name, I said that I dont have a cars title as I use the car provided by my employer. After that the call hang up and I did not hear from them anymore. Later that day I received an alert from XXXX XXXX saying that I have a new inquiry. I checked my credit report and I noticed that one main financial pulled my credit without my consent. I also noticed that the same company pulled my credit in the past without my authorization in the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I m asking to remove the inquiries of one main financial from XXXX, XXXX and XXXX as I never authorized them to pull my credit, nor was informed of the access to my credit. I believe that XXXX XXXX sold my information and thats how one main financial accessed my credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have filed 3 separate disputes with Equifax, XXXX, and XXXX in order to have inaccurate information removed from my credit file. The first dispute was filed on XXXX XXXX. XXXX, but I have not received a response from the credit bureaus. I'm hoping that CFPB can help me with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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: GA

Complaint narrative:
I have filed 3 separate disputes with XXXX, Experian, and XXXX in order to have inaccurate information removed from my credit file. The first dispute was filed on XXXX XXXX. XXXX, but I have not received a response from the credit bureaus. I'm hoping that CFPB can help me with this issue.

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 2023-03-28 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: FL

Complaint narrative:
XXXX, XXXX, and Experian keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

*According to 15 USC 1681 ( 5 ) XXXX XXXX XXXX XXXX and Experian have to modify or delete accounts that are not reporting accurately *According to 15 USC 1681b ( 1 ) XXXX, XXXX, and Experian don't have no written premission *According to 15 USC 1681 I have the right to privacy *According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( it ) the information is, in fact, inaccurate. 

I can go on and on XXXX, XXXX, and Experian have no respect for the laws. 

Someone needs to hold them accountable for this

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 2023-03-28 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: FL

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Please remove it from 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 2023-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
CONTEXT Now coming to the main issue, this email is regarding the refund for my cancelled XXXX XXXX flight which I booked through Chase Sapphires reward program. The flight details were changed multiple times by myself and later by XXXX XXXX which is causing delays in conversation since the complete context is not clear to all the parties involved. So, I am now going to note the details down so that they act as the source of truth for future reference. 

TRIP DETAILS PASSENGER : XXXX XXXX ( XXXX ) BOOKING REFERENCE : XXXX TICKET NUMBER : XXXX XXXX PAYMENT METHOD : Chase Sapphire 's Reward Points TRAVEL DATES ( I changed the travel dates multiple times and later it was changed by XXXX XXXX so here are the details of travel dates in each iteration along with the initiator of that change. ) Iteration Number Start Date Return Date Change Initiator Ticket/Email PDF Comments XXXX XX/XX/2022 XX/XX/2022 N/A ( trip creation ) Link XXXX XX/XX/2022 XX/XX/2022 Myself Link XXXX XX/XX/2022 XX/XX/2022 Myself Link XXXX XX/XX/2022 XX/XX/2022 Air XXXX XXXX ( Don't have it since it wasn't sent ) XXXX NA ( trip cancelled ) NA XXXX  XXXX XXXX ( Don't have it since it wasn't sent ) I later learnt from one of the XXXX  XXXX 's customer support agents that not sending the cancellation email is an XXXX  XXXX policy and instead I was supposed to check my XXXX  XXXX app 's notification . 


REQUEST Given the details I provided, I feel it would be fairly easy to process my refund and so I once again, after multiple existing requests to each of the parties, request you to kindly initiate the refund either as reward points ( since it was the payment method ) or cash worth the same monetary value.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-28 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: CA

Complaint narrative:
Hello, XXXX and Experian provided a generic response to my complaint and it was not accurate. I have sent the letters in to both credit bureaus. The letters are attached. I have authorized this compliant. I am not a third party submitting this complaint. My ID and utility bill are attached. I need this account removed and my personal information updated. I have sent in several letters every month by mail. I have called and was informed to submit this information and I did such. 
XXXX XXXX XXXX XXXX Balance {$10000.00}

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 2023-03-28 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: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I received a letter from PenFed credit union ; I went online and used the " customer Id '' they gave me. although I do not have this letter now, They accepted my credit app. & said I would be getting an email. my acceptance # was:XXXX. 

I did receive an email requesting I provide my driver 's license, so security card, and income verification. I supplied a front & back of my DL { Texas }, and to satisfy both requirements for income verification as well as social security number I sent my XXXX form XXXX. I in turn at first received an email saying that the photographs were blurry of my driver 's license so I in turn sent a scan version off of my printer. These documents were accepted and I received a confirmation number : XXXX. 

After getting no response for 2 weeks I neglected to follow up. However, checking my credit report as I always do I notice not one inquiry dated XXXX of XX/XX/XXXX, but another hard inquiry for PenFed on XX/XX/XXXX. 
This upset me to no end - being a former collection manager for the XXXX XXXX XXXX XXXX in Texas ; One inquiry is acceptable ; Two inquiries within the same month, from the same " creditor '', is obviously a skip tracer looking for a debtor - which I am not!!!, and which has damaged my credit history! 
I contacted PenFed and gave him my phone number which was entered into their system. The representative took their time and then came back on the phone and said hello hello but he couldn't hear me. I called back in the same thing happened again. I, therefore, check my phone system by calling friends as well as my phone company- it worked perfectly. Then I called PenFed customer service back only to be hung up on this time. 

Knowing the federal law as I do, I just thought I would not stress it even further and wait for the snail mail response. Tomorrow is the deadline according to federal law and I have received nothing. 

So tonight the XXXX of XX/XX/XXXX I call PenFed customer service back. At least this time I got a very nice customer service representative named XXXX. I explained the situation and she also told me there is nothing in their system regarding me!... she put me in touch with XXXX a supervisor. She was quite standoffish-a typical bill collector supervisor response. 

In short : this creditor is not only damaged my credit but has refused to acknowledge my application nor has granted me or spots to my application in violation of federal law..

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 2023-03-28 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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove it from 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 2023-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Have had several reps being disrespectful asking how I manage to pay my other bill and can't pay this. Said if not paid will take me to court and wage garnishment. This would definitely not come off my credit report. Asked to original contract with wet signature, original payment history, and purchase of assignment and was told they could not give this because not in file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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: U.S. BANCORP
State: WA

Complaint narrative:
One of my credit monitoring services reported a new inquiry on XXXX from : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ND XXXX This was not requested by me or approved by me and did not appear on any other other bureaus ( XXXX, XXXX ). A few weeks prior I had another alert about an inquiry from : XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX Which was similarly not me. I was able to contact the latter and they called XXXX and removed the query and reported fraud. I have been unable to contact the former one, as the phone number provided appears to be mine, not theirs. 

I called XXXX and they said that I needed to mail them a letter requesting removal of this query, along with a copy of my ID and a FTC report. I am filling this out to get an FTC report and I sure hope it is the right form. 

I put credit freezes and fraud alerts across all three credit bureaus.

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 2023-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
Portfolio recovery has kept calling and calling me without any reservations at all. I dont know who they are or why they are harassing me. I came across their information within XXXX XXXX and it shows they are reporting two accounts that should not be accounted for. It is hurting my credit opportunities and I would like for them to remove it since I do not owe them anything. They need to provide me with a signed contract between me and portfolio recovery if not they must immediately remove this negative remark and update all credit reporting agencies. Notice is below to them : This will notice will serve as a validation 609 letter. This letter is a formal complaint that youre reporting inaccurate and incomplete credit information. According to the Fair Credit Reporting Act, section 609 section A1A. You are required by federal law to verify through physical verification of the original sign contract, any and all the accounts that you post on the credit report.

Company response to consumer: Closed with explanation