vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PlusFour, Inc
State: NV

Complaint narrative:
Apparently, I had a medical procedure in XX/XX/. In XX/XX/, I first received a bill from XXXX XXXX XXXX for XXXX  services. I called my insurance company, XXXX XXXX XXXX ( XXXX ), and they told me to ignore the bill from XXXX XXXX. 

Later I received correspondence from XXXX XXXX related to a XXXX XXXX Mon related to the same charge. I never heard of this doctor and I had insurance to cover the full cost of any procedure. 

I again called XXXX and was told that they had no record of receiving a bill for this charge. I advised the doctors office that they needed to submit a bill to XXXX for payment. 

I was subsequently contacted by Plus Four Inc. a debt collection agency. They are located in XXXX, NV and their phone no. is XXXX. I gave them the same information I received from XXXX - that the doctor needed to submit a bill to XXXX. I told them that I have no knowledge of anything related to this doctor. 

I continue to get dunning letters/statements in the mail from Plus Four Inc . If they damage my credit rating I will definitely sue them!

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 2023-11-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC
State: GA

Complaint narrative:
I checked my credit report with XXXX and XXXX, and found that Source Receivables Management is reporting an unknown account transaction. I've never done any business nor had any accounts with the company. I also never gave any written nor implied consent for the company to obtain, store, share, sell or utilize my identifying information. 

Using my identifying information without my consent is considered identity theft under Federal Law. I am now taking the proper steps to protect my information starting with this notice and complaint. 

I am demanding that the account transaction and associated information be removed from my name and credit reports promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: NH

Complaint narrative:
XX/XX/22 - TD Bank - email correspondence Account opened with TD Bank under my name on XX/XX/2022 -. This is 1 of 6 occurrances and am in the process of reporting all - TD sent me an email verification of account being opened and correspondence to my home. I reached out to them via phone and with email correspondence. This complaint will be part of a report that will be filed with the XXXX NH Police Department.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I've made two prior request ( this being my third ) of removal late payments from my consumer report from Equifax. I've asked them to provide method of verification, which they didn't provide. I've asked for proof that the payments were late, which they didn't provide. They simply parroted the same information from the first request, I also explained the account was a business checking account not a credit card account. 

They have illegally re-aged the account and added payments to support the re-aging that are inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10 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: FL

Complaint narrative:
I recently checked my credit and noticed a handful of fraudulent inquiries and accounts still reporting on my credit report. I've been going back and forth with the bureau since XX/XX/2022 trying to get this fix because I am a victim of identity theft. This has been nothing but frustration and stress. I did not consent to, authorize nor benefit from any of the following accounts and inquiries. Block and delete them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently checked my credit and noticed a handful of fraudulent inquiries and accounts still reporting on my credit report. I've been going back and forth with the bureau since XX/XX/2022 trying to get this fix because I am a victim of identity theft. This has been nothing but frustration and stress. I did not consent to, authorize nor benefit from any of the following accounts and inquiries. Block and delete them

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 2023-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I was contacted by phone on XX/XX/XXXX, about being late in making payments on a credit card. After talking to this customer service person, I realized that this was fraud as I had never personally applied for a XXXX credit card from Ollo/XXXX XXXX XXXX in XXXX of XXXX, and in fact had never even heard of this credit card company. On XX/XX/XXXX, a fraud claim was opened up by Ollo. 

This account was eventually turned over to a debt collection company by the name of XXXX XXXX. I was able to get information from XXXX as to how access this account, important details about the account, and how to report fraud. 

I am filing a CFPB fraud report today XX/XX/XXXX, so that I can get this matter straightened out, mail this CFPB fraud report to XXXX XXXX and I hope to have the amount of {$990.00} removed from my credit score which is the amount that was racked up on this Ollo credit card on XX/XX/XXXX, in a U.S. state that I was not visiting at the time.

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 2023-11-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
I received an email from Genesis Credit Management claiming I owe money to XXXX XXXX XXXX in XXXX managed by XXXX without providing any valid proof. 

However, I have never entered into a leasing agreement with XXXX, nor have I resided in any of their units. My only interaction with XXXX  's leasing office was over a year ago when I inquired about leasing information. At that time, they initially offered me unit # XXXX but later retracted the offer and ceased all further communication, despite my attempts to reach out. 

Given these circumstances, I firmly reject any charges from XXXX  XXXX, as I have never availed myself of their services. I have retained all unresponded emails and records of our previous conversations, which I am prepared to present as evidence if necessary. 
I assert my legal rights in this matter and expect a prompt resolution to this erroneous claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
I checked my credit report with XXXX XXXX and XXXX, and found that Caine & Weiner Company is reporting an unknown account transaction. I've never done any business nor had any accounts with the company. I also never gave any written nor implied consent for the company to obtain, store, share, sell or utilize my identifying information. 

Using my identifying information without my consent is considered identity theft under Federal Law. I am now taking the proper steps to protect my information starting with this notice and complaint. 

I am demanding that the account transaction and associated information be removed from my name and credit reports promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I obtaind a copy of my credit report from XXXX, XXXX and Equifax and noticed several unauthorized inquiries. The inquiries were NOT authorized by me and I have demanded to have the inquiries removed or provided proof that I authorized my credit to be pulled by the companies. 

I was never provided proof/documents showing where I authorized the inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK
State: CA

Complaint narrative:
I DO NOT HAVE A CONTRACT WITH DISCOVER FINANCIAL SERVICES AND THEY DO NOT HAVE MY PERMISSION FOR ANY USE OF INFORMATION. THIS IS FRAUD.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I applied to American Express after looking over their offer for XXXX Hilton Points after spending {$2000.00} on their Credit Card. ( XX/XX/23 ). 
I was accepted for the offer and Credit Card via their online verification. 
I received the Credit Card a week later and begin purchases. 
I called to today to check my balance, etc and was told I was not accepted for the Hilton Honors Offer. I have spent over {$1900.00} as of today. ( XXXX ) Talk about deceptive practices. I was never informed via email, letter in the mail that I was not accepted for the offer. They did send the Credit Card but no mention of the offer not accepted. Horrible Business Practice and Very Deceptive. 
I spoke XXXX ( Supervisor ) at American Express and he apologized over and over but said he could not do anything about this. 
Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Okay, I will update the email to reflect there were three returned payments that you paid back : Subject : Complaint Regarding Closed Credit Card Account To whom it may concern, I am writing to submit a complaint regarding the recent closure of my credit card account with Capitol One ending in XXXX & XXXX. 

I have been a Capitol One credit card holder for over 3 years and have always paid my statement balance in full and on time each month. However, my account was abruptly closed by Capitol One due to three returned payments over the last few months. These returned payments were the result of my checking account being compromised by fraud, which I have reported to my bank and have documentation proving unauthorized charges were made. 

I contacted Capitol One immediately upon notification of each returned payment, explained the situation, and repaid the payments. I also provided documentation from my bank showing my checking account had been hacked each time. Despite repaying the returned payments and providing proof of fraud, Capitol One still chose to close my account. 

Closing my account without allowing me to dispute the returned payments or taking into account my long history as a good standing customer has negatively impacted my credit score and ability to obtain credit. I would like Capitol One to reopen my account given I have proof the returned payments were due to fraudulent activity on my checking account that was out of my control. 

Please assist me in getting Capitol One to properly investigate the situation and reconsider their decision to close my account. Having good credit is essential and this has caused undue harm that I am hoping can be corrected. 

Thank you for your assistance in this very important matter. Please let me know if you need any additional information or documentation from me. 

Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank
State: TX

Complaint narrative:
Unknown inquiries on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am unable to check my credit score for Transunion and it has not updated my accounts or let me obtain my free annual credit report for the past two months they also have been reporting items to my credit report such as collections, charge off accounts that have been write offs from companies to IRS and not following 15USC laws which states they must have written instructions from me the consumer in order to report these items the reporting companies did not provide me with itemized bills as i requested or sent out a notice in the mail or proof of delivery of mail sent to me as 15usc1607l states within the 21 days Before the statement date as law states but this agency Transunion allowed them to illegally report information without doing a FULL investigation to make sure protocol was followed before doing so, they have violated my rights and freedom to privacy.

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 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX. I provided a copy of my driver 's license and social security card and divorce decree granting me permission to change my name to XXXX XXXX XXXX. However XXXX, XXXX, Social Security Office and DMV all honored the divorce decree. On XX/XX/XXXX I called Transunion trying to see why they still have not updated my credit report. I was inform those documents is not acceptable and I need a name change by the court house. In my divorce decree it clearly say Name Change and persmission granted and stamped and filed by the judge on XX/XX/XXXX in XXXX XXXX. I am just asking for Transunion to please put the correct last name on my credit report it is a discprencies. I do not have anything of credit with XXXX last name only with the last name of 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 2023-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/2023 I mailed a letter to all 3 credit bureaus informing that the XXXX XXXX XXXX has expired and I would like all of the items included in the XXXX XXXX deleted as well as the XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/2023 I mailed a letter to all 3 credit bureaus informing that the XXXX XXXX XXXX has expired and I would like all of the items included in the XXXX XXXX  deleted as well as the XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act Publishing of Listed addresses : 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 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 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written 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 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
Hello Capital one sent me and offer welcome letter for one of their credit card and Said I was also pre approved on top of the welcome offer. They have sent me many different times. And said we run your credit already. Then when i clicked finish the application they denied me for that same card. And thats misleading I have asked them to remove the hard inquiry on my records and they refused to do it. I also reached out to the 3 credit bureau and they said capital one can remove it. But even talking to their seniors and supervisors they said they would not remove it. Even tho we send you the welcome offer letter and the pre approval. Please help this is hurting my credit and adding more hard inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants' Credit Guide Company
State: TX

Complaint narrative:
Name is XXXX XXXX I reached out to the company called Merchants Credit Guide.I contacted them on XX/XX/ and requested them to send me a copy of the signed contract stating the debt I owe. On a recorded call they stated this is an attempt to collect a debt but could not furnish any information in regards to the debt. The amount in question is {$520.00} and this has been reporting on my credit report as of XXXX XXXX I have also disputed this item several times and it keeps coming back as account verified but no proof to show otherwise. 

I did not sign a contract with this collection agency and I would like this debt removed from my credit report immediately.I have sent them a cease and desist letter to the address on file as of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Attached you will find proof of my current address and identity verification to validate that this is me and not a third party.Also you will find a copy of my report from XXXX and XXXX showing this debt and i noticed the account numbers are different as well.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC
State: MN

Complaint narrative:
For the last XXXX weeks I get an email saying I need to make a payment when I made a payment on XX/XX/2023. They pulled the money for said payment XX/XX/2023. This is after they claim it takes 3 days to take the payment. They are trying to force the late fee and returned check fee and God knows what other fees to be paid immediately. I made a {$50.00} payment ; from the money that was in the account from the beginning of XXXX ; and it was confirmed paid and that left it at {$120.00} left to pay according to their system. Returned check fee is I think {$39.00} and late fee is {$29.00}. When those two are added, they do not add up to {$120.00}. Even when XXXX  add in the payment I made, they do not add up to {$170.00} like they wanted.

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 2023-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ) this creditor has violated my rights under 15USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under15 USC 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 DISCOVER BANK account has become 120 Days Late Between XX/XX/2023 and XX/XX/2023, your DISCOVER BANK credit card status changed from " 90 Days Late '' to " 120 Days Late ''. During this period, you made 0 out of 1 payment on time.

Company response to consumer: Closed with explanation