vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Emergent Business Group, Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Emergent Business Group XXXX XXXX XXXX XXXX, PA XXXX XXXX Re : Account ( XXXX ) number XXXX, XXXX, XXXX To Whom It XXXX Concern : This letter is regarding the account listed above, which you claim is a collection that I have with your company. This is a formal notice that your claim is disputed. I have attached the notice I received below. 
I am requesting validation and not simply verification of the alleged debt. Specifically, a copy of the Original Purchase Agreement, the agreement must be with the original creditor and signed by all parties involved, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry if being reported. I am disputing this debt ; you should not report it to the credit reporting agencies If you have already.

Finally, please note that I do not wish to receive further telephone calls or letters or any form of communication, this includes contacting family members or place of employment concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C. 1692 ( c ).

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : - Defamation - Negligent Enablement of Identity Fraud Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act. You will be required to appear in a court venue local to me, since you are clearly doing business in my area.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims.

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 
Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 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 : lt 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 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

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 XXXXXXXX 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 : lt 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 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AUSSRQ Holdings, LLC
State: FL

Complaint narrative:
Collections XXXX XXXX Opened XXXX {$700.00} XXXX XXXX XXXX XXXX Opened XXXX {$1200.00} XXXX XXXX XXXX XXXX Opened XXXX {$2700.00} XXXX XXXX Opened XXXX {$3100.00} XXXX XXXX XXXX Opened XXXX {$3300.00} XXXX XXXX XXXX Opened XXXX {$4100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I greatly value the relationship I have with the following creditors and have consistently made on-time payments forsuch a long time.This isolated incident does not reflect my overall commitment to honoring my financial obligations, and I have since taken steps to ensure this will not happen again. 

Given my otherwise positive payment history, I kindly request that you consider removing this late payment from my credit report as a goodwill gesture. I believe this adjustment would better reflect my responsible credit behavior and would help improve my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 00:00:00
Product: Debt collection — Credit card debt
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: NY

Complaint narrative:
I AM BATTLING XXXX  XXXX XXXX AND AM UNDER XXXX XXXX XXXX XXXX XXXX XXXX. THIS COMPANY IS COMING TO MY HOUSE AND SERVING ME WITH THREATENING LAWSUIT PAPERS. I JUST RECEIVED XXXX FORMS OF COMMUNICATION FROM THEM TODAY. THIS DEBT WAS NOT THIS MUCH UNTIL THEY ADDED THEIR FEES AND INTEREST. THEY SAY THIS DEBT WAS FROM XXXX, WHEN I XXXX  XXXX XXXX. THEY ARE THREATENING TO SUE ME AND TAKE MY XXXX INCOME. I DO NOT HAVE MONEY TO PAY THIS DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: FL

Complaint narrative:
On XX/XX/year> my mortgage payment {$1100.00} processed thru the bank in which made the account in the negative briefly, we deposited the money in the account on the same day including the money was taken out of my account the next day. Also we called in on XX/XX/year> and spoke to an agent that assured that the {$36.00} would be given back and processed after the holiday weekend which never happened. PNC Bank has been doing this often and regularly I have all the proof to show it and to back up my claims. You can clearly see in my past complaints

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I asked for legitimate documents to prove the appearance of these items in the 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 2024-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
So a cashier check was made out to me from my girlfriend and we both went to the bank to get it made and I deposited it in the same bank it was made with her next to me.. 

Days later I tried to pull a small portion out and it said my account was restricted.. 

So I went to the branch and they said we have to be validated by our phone numbers .. mines was Valid But some how her Number didnt validate but she had he number for years and its been connected to her Actual Name .. now I got 8 days before they close my account and take all of my money it done make sense. Im validated why am I goin thru this I really need help my savings is in my account I have nothing right now..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.

Complaint narrative:
I am writing to you very respectfully to present my case with the financial institution Citibank and to request the UNBLOCKING of two wire transfers made on XX/XX/year>. 

The transfers are as follows : 1. An amount of {$5000.00} with Reference No. XXXX 2. An amount of {$6200.00} with Reference No. XXXX Both transfers were made for the purpose of purchasing a XXXX brand vehicle from the company XXXX XXXX XXXX XXXX, which manufactures vehicles and represents XXXX XXXXXXXX XXXX XXXXXXXX. 

Once the transfers were completed, Citibank proceeded to cancel both and subsequently blocked the funds. 
Citibank is now requiring an XXXX ( XXXX of XXXXXXXX XXXX XXXX ) license in order to unblock the funds. 

However, many XXXX are currently purchasing XXXX  vehicles through wire transfers. In fact, Citibank has authorized many Venezuelans to purchase XXXX vehicles via wire transfers. 

It must be clarified that laws must be equal for everyone ; there can not be any discrimination. Citibank is applying sanctions to my transfers while at the same time approving transfers for other Venezuelans. Citibank is acting incorrectly and in a discriminatory manner. 

Additionally, it is important to highlight that I have been a Citibank customer for over 20 years.

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 2024-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
I am currently disputing the reduction of my credit limit by Suncoast Credit Union. On XX/XX/XXXX, XXXX, a third-party company used by Suncoast for software auditing, claims to have sent me a letter regarding a statement. I never received or saw this letter, as I only communicate directly with companies I regularly do business with, such as Suncoast.

Without any prior notice from Suncoast, my credit limit was reduced from {$5000.00} to {$2400.00}, which resulted in my current balance of {$100.00} appearing as an overbalance. I have spoken with nine different representatives from Suncoast, and not a single person could explain or justify the {$2400.00} figure. This arbitrary reduction has unfairly impacted my account, and I believe these practices are neither transparent nor fair to consumers. 

I am requesting a thorough review of this matter and a proper explanation. The failure to provide clear notice or rationale for these changes is harmful and has left me with an unjustified outstanding balance, solely due to the reduction in my credit limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting 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 am writing to dispute the following inaccurate information on my credit report, as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( B ), I request that you : 1. Conduct a reasonable investigation to determine the accuracy of the disputed information.

2. Correct or delete the inaccurate information within 30 days, as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( C ).

3. Notify me of the results of your investigation and any corrections made, as required by 15 U.S.C. 1681i ( a ) ( 6 ).

I have attached documentation supporting my dispute, Failure to comply with the FCRA may result in legal action, as provided by 15 U.S.C. 1681n. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
I turned in the vehicle. They got the car and sold it and they are still reporting the incorrect balance which is incorrect. I want to see how much they sold the vehicle for how much I paid and have the correct balance reporting to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Team Recovery Inc.
State: OH

Complaint narrative:
This a credit agency who has been given my number by a person named " XXXX ''. I have received dozens of calls from numbers, the latest being Team Recover at XXXX. When I try to explain that they have the wrong number and that there is no " XXXX '' at this number, they hang up on me. I have blocked many of their numbers, after the fact, but then they call using a new number. They are very rude and constantly hang up before listening to my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I sent my letters regarding the invalid information on my credit report regarding XXXX XXXX XXXX I received no response I then sent a CFPB COMPLAINT for extra support to legally handle the dispute But still no response After a conversation with a representative, after verifying a few weeks before that I SENT THE LETTERS, it was assured that the accounts in question were marked for deletion. However, they have not been removed from my credit report. Given my service in the XXXX, I respectfully ask for immediate action to block and eliminate these accounts from my 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 explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
On XX/XX/year>, Equifax resolved a dispute I had involving ownership of an account by changing most of my personal information to that of another person due to a typo in a full social security number, including name, addresses, SSN and employment history. I have made sporadic attempts since then to correct all of these, and have finally been successful in getting them to correct everything except my full social security number. The person who actually owns the SSN they believe I do has been subject to debt collection, so I need to clear all of this up lest I incur damages due to Equifax 's typo.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
AMSHERCOLLECTIONSERVICES is violating my rights. The company is trying to collect the debt that is not owed. Also publish ed inaccurate information on my credit report. There are three different totals owed. The account was open by identity theft when I was visiting a friend who lived at that apartment complex. I sent the company a copy of the police report and a copy of electricity bill from my address in XXXX, Florida. The company does not have an original signed copy of a lease. The apartment lease started on XX/XX/XXXX. the contract states that it was signed on XX/XX/XXXX. 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 : States a consumer reporting agency can not furnish a account without my 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 crime which antedate 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 responsible costs to believe that the information is inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/year> I deposited a government issued tax NY state star rebate check less than XXXX and it was immediately placed on a 100 % hold. I called USAA bank and was told the system places a hold for various reasons and it can not be reversed by a human interaction. The representative then states it will most likely be lifted on the next business day and I said ok because I have no other choice for options. The next business day came and the hold remained so I called multiple times to no avail, and then finally escalated this matter to a manager and was told because there was a history of overdrawn account activity within last 6 months they placed a maximum penalty time limit hold on a government check. I was told by the manager XXXX with USAA federal savings bank that she can not override any hold no matter what emergency situation or anything the customer encounters, that she has to rely solely on the computer algorithm system. So as a punishment, my government check is placed on a 5 day hold and I was told additionally that there are restrictions on my account preventing me from transferring funds, or increasing daily spending limits. I feel my rights as a citizen are being violated in a couple ways here even if I did have a history of any overdraft situations. A government issue check only takes one business day to verify funds are available. Keep in mind I have been a member of this banking company for 19 years and will absolutely be canceling all future accounts and any other business as soon as I can remove my funds. I am also filing a formal complaint within the office of the comptroller.

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 2024-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX somehow managed to guess my XXXX password and add him/herself to my XXXX family XXXX Then XXXX proceeded to send XXXXXXXX XXXX XXXXXXXX gift cards back to them using money from my account. I was sent a fraud email from Wells Fargo and immediately called them and canceled my card and then changed my XXXX password, removing XXXX in the process. Not before about XXXX dollars was taken from my account. Then I filled a claim with Wells Fargo, and after a month received a letter saying that the transactions were made by my or someone with my permission, which is strange considering they sent me an email suspecting fraud in the first place. I called Wells Fargo again to ask about it, and they simply told me my claim was closed.

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