vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
LVNV Funding is illegally collecting and reporting a debt on my consumer credit report.

On several occasions, I have reached out to this company to get this issue solved. I originally sent this company a request to provide documentation that they are, indeed, entitled to collect on this alleged debt. They were not able to provide complete documentation, for I have never done business with this organization. 

My initial communication was a cease and desist, followed by a billing error notice. On XXXX/XXXX/2022, I received a response from this company stating that my previous complaint " did not contain sufficient information to resolve this matter ''. 

Recently, this company has received another request for documentary evidence of their authority to collect on this debt. I have received no response to this date. 

I have attached all correspondence I have had with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NY

Complaint narrative:
Fedloan didnt waive my 10 days when I requested to do so after consolidation. Because of those two of my loans are forgiven and the other two were left behind. If my 10 days were waived like I requested the loans wouldve been consolidated and forgiven together!!! Additionally, almost 2 weeks ago I filled out a request to add loans to consolidation and called in to request to waive my 10 days for that as well. Obviously at the 10 days have gone and went and were never waived. I filed a complaint requesting them to investigate the situation and never heard back from anyone. They are completely disorganized and unprofessional!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AR Resources, Inc.
State: PA

Complaint narrative:
AR Resources has violated my federal consumer protected rights! I have attached documents for further explanation of this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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

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 2022-04-03 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 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: IL

Complaint narrative:
In XX/XX/XXXX my credit score was XXXX. My score dropped XXXX points because it contained inaccurate information. I submitted documentation to TransUnion on XX/XX/XXXX and my credit score started to increase again. On XX/XX/XXXX I had a score of XXXX and on XX/XX/XXXX my score plummeted XXXX points. I ordered my credit report on-line on XX/XX/XXXX and discovered that it showed my student loan was affecting my score. It stated that the balance was too high and not decreasing. On XX/XX/XXXX I called TransUnion to discuss the matter and I was told that I had to contact the servicer of my student loan to have them correct their reporting information. I told them that my student loan was in deferment and that's why the balance is not decreasing. A few days later I checked my credit report again because now my score dropped an additional XXXX  point. This time I see three accounts that are adversely affecting my credit report but this time my student loan was not one of them. The three accounts that are listed has no information as to how they are affecting my credit just that they are adversely affecting my credit. The same three accounts has been previously disputed with TransUnion and removed. I also contacted the creditors and I was assured that the information would be corrected with the reporting agencies. TransUnion also has erroneous information about my employment and my home address. They corrected the information about my address but not my employment. At this point I feel that XXXX is digging up old information in an effort to keep my credit worthiness low. I have worked very hard to achieve my credit status and I find myself fighting with the credit bureau at least twice a year to defend my credit. I have demanded that TransUnion correct my credit file and stop digging up old information so they can justify decreasing my credit score. I am an XXXX XXXX XXXX and I feel that I am being targeted and scored unfairly.

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 2022-04-03 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: OR

Complaint narrative:
I am complaining about my inability to get in touch with anyone at Experian. Neither their automated system nor their website specifically addresses my issue, and when I talk to a person, I get transferred instantly to the automatic system. 

I had frozen my credit accounts because of various data breaches ( OPM, XXXX ), and needed to unfreeze them because I had applied for a new credit card. Not knowing how long it would take to process the credit card application, I made the stop date XX/XX/XXXX5. Once my credit freeze was unfrozen, the new credit card was issued. Not wanting to leave my credit records open until XX/XX/XXXX, I tried to contact Experian to refreeze my account but could not reach anyone. I ended up putting a " lock '' on my credit for $ XXXX to prevent any credit searches. 

I want to refreeze my account on XX/XX/XXXX, and cancel my credit lock on that date, but am unable to reach a person to accomplish this. XXXX was able to take care of the issue with one phone call. Can you help?

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 2022-04-03 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: NY

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account number XXXX Has violated my rights. XXXX XXXX Account # : XXXX Account Type : Installment Account Type - Detail : Auto Loan XXXX Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : XXXX High Credit : {$10000.00} XXXX XXXX : {$0.00} Past Due : {$0.00} Payment Status : Repossession Last Reported : XX/XX/XXXX Comments : Voluntary repossession Returned voluntarily Date Last Active : XX/XX/XXXX Date of Last Payment : 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 2022-04-03 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 

In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-04-03 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: NY

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account number XXXX has violated my rights. Account # : XXXX Account Type : Open Account Account Type - Detail : XXXX XXXX Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$81.00} No. of Months ( terms ) : XXXX High Credit : {$81.00} Credit Limit : {$0.00} Past Due : {$81.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Collection Account Account information disputed by consumer, meets FCRA requirements Date Last Active : XX/XX/XXXX Date of Last Payment : -

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 2022-04-03 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: NY

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account number XXXX has violated my rights. Account # : XXXX Account Type : Open Account Account Type - Detail : XXXX XXXX Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$81.00} No. of Months ( terms ) : XXXX High Credit : {$81.00} Credit Limit : {$0.00} Past Due : {$81.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Collection Account Account information disputed by consumer, meets FCRA requirements Date Last Active : XX/XX/XXXX Date of Last Payment : -

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 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: NY

Complaint narrative:
XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX  number XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX accordance with the Fair Credit Reporting act XXXX  Account # 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.

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 2022-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: AmerAssist A/R Solutions, Inc.
State: PA

Complaint narrative:
PLEASE READ THE ATTACHED DOCUMENTS FOR FURTHER DETAIL OF THE SITUATION. THIS IS A COMPLAINT OF THE VIOLATION OF MY RIGHTS AS A CONSUMER.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My name is XXXX XXXX. My husband, XXXX XXXX, and I have a joined account of Chase ending in XXXX. Unauthorized personnel ( s ) withdrew money from my checking account ending in XXXX. 
On XXXX XXXX, {XXXX} and {XXXX} were withdrawn without my authorization. 
On XXXX XXXX, {XXXX XXXX and XXXX were withdrawn for three times without my authorization. 
I left the United States on XXXX XXXX, XXXX, for XXXX, and returned on XXXX. XXXX, XXXX. 
My husband left the United States on XXXX XXXX, XXXX, for XXXX, and returned on XXXX XXXX, XXXX. When he returned to the United States, he realized those unauthorized withdrawals, and immediately contacted with bank clerk working in Chase. That chase bank is on XXXX XXXX XXXX, XXXX, NY, XXXX. 
The bank clerk, ID XXXX, who receipts me told me on XXXX XXXX, someone else used checks with signing my name to withdraw {XXXX} first, and then {XXXX}. That bank clerk showed me the check on a computer screen, but I recognized that it is not my signatures. 
Besides, I was told on XXXX XXXX, someone withdrew {XXXX for three times from ATM. These withdrawals were also unauthorized by me. 
The bank clerk reported the case immediately after my husband complained these unauthorized withdrawals. 
However, on XXXX XXXX, a letter was sent to my home stating that the bank denied my request for investigating and reimbursing my account. 
It is clear that my account was withdrawn for multiple by unauthorized personnel ( S ) for multiple times. My ID are not lost or stolen. I completely believe it is the responsibility of the chase bank to ensure the security of my account. I dont understand how others withdrew from my account with using bank check but I have no bank check with me at all, and how others using a fake signature on a fake check to withdraw from my account. 
The bank is not cooperating with my request and acts negatively on my proper requests. I hope CFPB could involve to figure out how I can get my stolen money back. It is the responsibility of the bank to protect my account but since they dont help me, I have no other choice. 
Please contact me if necessary. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 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: TX

Complaint narrative:
Since XX/XX/2021 when XXXX XXXX  acquired all of XXXX XXXX 's customer accounts in the United States, they have not made any effort to check with XXXX XXXX  that the billing entities are receiving payments on a monthly basis in a timely manner and are now removing some of the accounts that determine our FICO score and lowering our credit rating. We have tried to contact their customer service department on numerous occasions to get them to correct the issue to no avail. 

Yesterday I received notice via email they are removing another billing account ( XXXX XXXX ) from their records as they can not ascertain the account is being paid monthly through our old XXXX account, which is no longer a valid checking account. Said account has been active and paid in a timely manner for the entire XXXX years we have lived at our current address yet they keep sending emails payments on the accounts are not being reported. The reason they are not being reported is Experian is making no efforts to contact XXXX XXXX. 

*************************************************************************************************** Experian www.experian.com, hmm, it's been a couple months since a payment was reported... 
XXXX Experian Alerts XXXX To : Sat, XX/XX/2021 at XXXX PM Experian Membership ID # Member Sign In Hmm, we still haven't seen payment history reported Looks like a payment hasn't been reported in the last two months for your account ( s ) linked to Experian Boost. After several months of payments not being reported, your account ( s ) could be removed from your Experian credit file. 

Note : It's possible that you've made a payment to this account and Experian hasn't received your payment record yet. You can sign in to see more information. 
See account details *************************************************************************************************** Experian www.experian.com, your bill was deleted from Experian XXXX... 
XXXX Experian Alerts XXXX To : Sat, XXXX XXXX at XXXX PM Experian Membership ID # Member Sign In Heads up, your bill was deleted from Experian XXXX. 
That means it was also removed from your Experian credit file, which could lower your FICO Scorebut dont worry. Weve laid out the simple steps to take to keep your boost. 
See what to do ************************************************************************************************* It is impossible to report the problem to Experian Boost using their " See what to do '' instructions and we have never been able to get through to one of their customer support agents via telephone.

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 2022-04-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Explain why why you denied, me, XXXX XXXX, applicant, pursuant to 15 U.S. Code 1691 ( 3 ) - Scope of prohibition.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Contacted equifax to dispute incorrect information. Dispute was updated information but failed to update credit report. Contact equifax about credit report and score not correctly updating and they opened a complaint. No changes have been done no score or report updated. Score is listed as poor yet all other credit reports are updated with proper scores and information. My score hasn't change in almost 6 months and they can't explain to me why. I have no derogatory marks no late payments nothing and yet they can't update the information or explain anything to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 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: NY

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account number XXXX Has violated my rights. XXXX TransUnion Account # : XXXX Account Type : Installment Account Type - Detail : Auto Loan XXXX Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : 36 High Credit : {$10000.00} Credit Limit : {$0.00} Past Due : {$0.00} Payment Status : Repossession Last Reported : XX/XX/XXXX Comments : Voluntary repossession Returned voluntarily Date Last Active : XX/XX/XXXX Date of Last Payment : 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 2022-04-03 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: NY

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account number XXXX Has violated my rights. XXXX XXXX Account # : XXXX Account Type : Installment Account Type - Detail : Auto Loan XXXX Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : 36 High Credit : {$10000.00} Credit Limit : {$0.00} Past Due : {$0.00} Payment Status : Repossession Last Reported : XX/XX/XXXX Comments : Voluntary repossession Returned voluntarily Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX

Company response to consumer: Closed with explanation