vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-15 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Monterey Financial Services LLC
State: VA

Complaint narrative:
About a year ago I received a letter saying that I had to go to court over a medical debt through Monterey Financial that I hadn't been able to pay in some time. I called the number and asked to make a deal to pay {$500.00} on the XXXX of each month and they agreed. The money started coming out on time. I needed to get a new card after having the number stolen and used all over the country. I had never received any communication from the people taking my money so I had no way to contact them. When the card was declined someone claiming to be, " XXXX XXXX, a compliance XXXX with the state of Virginia '' contacted me by phone and told me I was in non-compliance, and gave me a phone number to call. I called and corrected the card number, however no company name was ever given and they hung up abruptly. The money continued coming out as scheduled with the name " XXXX XXXX '' appearing on my statement with the number XXXX NC appearing after it. In XX/XX/XXXX I started trying to figure out who this company was and, after searching online, started seeing that it could be a scam. I contacted a law firm and they asked me to tell them the next time someone contacted me. I called the number coming up in my search for XXXX XXXX. It came up with a company who said they no longer had my account and gave me a different number. I called that number and they said they had never heard of me. I called the number on the statement and they gave me a different number where they were able to confirm the account, and how much I had left to pay. They said they did not send statements or any mail or email and would not. On XX/XX/XXXX I came up a couple dollars short so the card was declined. XXXX XXXX called me again, reminding me that I had spoken with him before. He gave me the number XXXX to call. I asked him the name of the company and he refused to tell me and said they would tell me. I called and someone answered saying, " This is XXXX. '' or a similar name. I said I had been given the number to call to correct an account. She took my name and we corrected the issue. I asked her what company this was and she said it was about the debt I had with the company. I said I understood but I needed to know the name of the company I was speaking with and she said, " XXXX. '' I reported the number and information to the lawyer who said it was connected to a spam number and I should contact the state 's attorney general.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hello, my name is XXXX XXXX, I am a victim of identity theft. I previously submitted my identity theft report with fraudulent activity and now am continuing to still see fraudulent inquiries. This is very upsetting, please remove these inquiries from my credit report within 4 business days. 





Fraudulent Inquiries : 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 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

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 2023-05-15 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I have recently received my credit report and noticed violations under the 15 US Code 1681b ( FCRA ). The law clearly states the following 15 USC 1681b ( a ). In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance, with the written instructions of the consumer to whom it relates. Meaning that if you do not have or have gotten any instructions from me ( THE CONSUMER ) to furnish an account on my report, it should not be there. That is a violation.I never gave written instruction to furnish any of these accounts. Secondly, according to 15 USC 1681. The law clearly states : 1. Accuracy and fairness of credit reporting.

2. There is a need to ensure that consumer credit reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy ( ME ).

The following accounts are inaccurate and in clear violation of my privacy which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. As a consumer, I want the following accounts to be DELETED from my credit report IMMEDIATELY : XXXX. XXXX - Account # XXXX XXXX. XXXX XXXX XXXX - Account # XXXX XXXX. XXXX XXXX - Account # XXXX I DID NOT GIVE WRITTEN INSTRUCTIONS TO REPORT ANY OF THESE ACCOUNTS TO MY CREDIT REPORT. 
These offenses add up to Aggravated Identity Theft and Reporting Outdated and Inaccurate Information, also lying about debt validation. Pursuant to 18 U.S.C. 1028a You have knowingly possessed, used, and transferred my personal information without my permission this is a felony punishable by two years imprisonment in addition to civil liability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15 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: FL

Complaint narrative:
There is seems to be an error on these accounts that are being reported on my credit report. I did manage to reach out to the creditors but they don't have any update yet. Please remove these accounts.

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 2023-05-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am being charged the {$180.00} that were refunded to me for fraudulent late fees on my account. I called and they said they were going to dispute it supposedly. So now I have a payment due the XXXX, which I am not paying. I was never sent any notice in regards to me having to pay this amount other than the email I received 3 days ago, which I find absolutely absurd when the due date is in 8 days. I dont even know WHY Im being charged the {$180.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have sent several times to Experian letter to remove a bankruptcy that's not mine and they have failed to do so. All other credit bureaus have already deleted this information. I got a letter from the courthouse saying they did not send that information to Experian. I will include proof of that, please remove this from my credit : Reference number XXXX Record type Bankruptcy 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 2023-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frontline Asset Strategies, LLC
State: NJ

Complaint narrative:
Frontline mailed me a letter validation with XXXX that was paid already years ago. And the billing statement on the bill is XX/XX/23. Haven't been with XXXX for years and I paid my final bill {$270.00}. My cellphone number was transferred over to XXXX and I've been with XXXX ever sense. Please see attached bill. And my XXXX XXXX XXXX XXXX XXXX payment to XXXX to close the account and paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VT

Complaint narrative:
I have an issue with my loan servicer. My loan servicer was XXXX XXXX XXXX for over 10 years, they transferred my loans to XXXX without my consent. As a result of this switchover my credit score has dropped over 40 points as they've reported my account closed, wiping out over 10 years of history on this account. This seems extremely unjust as I've worked hard over a decade to build up my score and have never once missed a payment. Please tell me how this is fair to me as a borrower. I've reached out to them and they've told me " that's how it is ''. I demand some kind of action. 

FURTHER, they've deleted ALL of my payment history and now neither XXXX nor XXXX XXXX have any information on my payments, for over a decade! Please urgently advise.

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 2023-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: VT

Complaint narrative:
I have an issue with my loan servicer. My loan servicer was Great Lakes Borrowing for over 10 years, they transferred my loans to Nelnet without my consent. As a result of this switchover my credit score has dropped over 40 points as they've reported my account closed, wiping out over 10 years of history on this account. This seems extremely unjust as I've worked hard over a decade to build up my score and have never once missed a payment. Please tell me how this is fair to me as a borrower. I've reached out to them and they've told me " that's how it is ''. I demand some kind of action. 

FURTHER, they've deleted ALL of my payment history and now neither Nelnet nor Great Lakes have any information on my payments, for over a decade! Please urgently advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VT

Complaint narrative:
I have an issue with my loan servicer. My loan servicer was XXXX XXXX XXXX for over 10 years, they transferred my loans to XXXX without my consent. As a result of this switchover my credit score has dropped over 40 points as they've reported my account closed, wiping out over 10 years of history on this account. This seems extremely unjust as I've worked hard over a decade to build up my score and have never once missed a payment. Please tell me how this is fair to me as a borrower. I've reached out to them and they've told me " that's how it is ''. I demand some kind of action. 

FURTHER, they've deleted ALL of my payment history and now neither XXXX nor XXXX XXXX have any information on my payments, for over a decade! Please urgently advise.

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 2023-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Esusu, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I got a report from XXXX XXXX. It stated that my XXXX XXXX XXXX account was closed. Which dropped my credit score -XXXX  points on XXXX. And -XXXX  points on XXXX. I then contacted both credit bureaus to ask about getting it disputed. They told me I have to contact ESUSU the credit company that put this inquiry on my credit. I contacted them gave them the information and they said they have to do an investigation. I went to my leasing office and told them what is happening. They dont know why it was put that my account was closed. I havent had any late payments or eviction notices. I got copies of my on time rent payments and lease. For proof that my account is open. And I want my score back updated and this mistake off my credit report.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 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: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
I began receiving calls from a number that I did not recognize ( XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ). When I XXXX  the number it said XXXX XXXXXXXX XXXX, so apparently the real number was being spoofed. Since the recorded message commenced before the voicemail started recording, I just called the number back on XXXX  to see who it was. The lady said she was from XXXX XXXX XXXX and was calling about a previous credit card ( HSBC, opened XX/XX/XXXX ). They supposedly sent verification to my home with a settlement offer and stated I never responded. They did not. ( I have USPS Informed delivery and it shows all my mail ). She said the account went delinquent in XXXX and they are contacting me for payment before filing with my current county. While I do not recall ever having this card, I was still surprised of collection activity on an account where the statute of limitations has long passed. Credit agreement debt in Louisiana is 3 years and some courts find it is a violation of the FDCPA for a collection agent to pursue a debt collection lawsuit against a consumer after the statute of limitation expired ( Kimber v. Federal Financial Corp. 668 F.Supp. 1480 ( XXXX ) ). 

The agent proceeded to send me a text with the attached document of the debt. It does not include the dates, so I will reference what was told verbally is that the account was opened in XX/XX/XXXX and went delinquent at some point in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 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: MI

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-05-15 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: OneMain Finance Corporation
State: NC

Complaint narrative:
Got laid off my job and the insurance would not cover the loan ..due to the fax having issue with unemployment moving from ny to Nc state a whole lot of red tapetried call on i bank for Assistance no help a bunch of run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
URGENT - Failure to Adhere to Fair Credit Reporting Act ( FCRA ) Requirements Dear Consumer Financial Protection Bureau ( CFPB ), I hope this letter finds you well. I am writing to bring to your attention an alarming violation of my rights as a consumer, as stipulated in the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( a ) ( 1 ) ( A ). 

On XX/XX/2023, I submitted legitimate dispute letters to Experian, XXXX, and XXXX, the three main credit reporting agencies. According to the FCRA, they are obligated to respond to my dispute within a XXXX window. However, despite the ample time given, I regret to inform you that I have yet to receive any communication from these agencies regarding my dispute. 

This failure to respond within the stipulated timeframe is a clear violation of 15 USC 1681i ( a ) ( 1 ) ( A ) of the FCRA. The unresponsiveness of these credit bureaus has not only left my dispute unresolved but also demonstrates a blatant disregard for the regulations designed to protect consumers like myself. 

I respectfully request your immediate attention and intervention in this matter. It is vital that these agencies are held accountable for their compliance with the FCRA, and that my rights as a consumer are safeguarded. 

I appreciate your time and prompt attention to this urgent 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 2023-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
On XX/XX/2023 XXXX XXXX XXXX used my social security number to open two different credit accounts. I have already received a resolution on the first one but was just notified today that a second one was opened at the same time. They did not have my permission to use my personal information in this manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: AL

Complaint narrative:
Hello on Friday XX/XX/2023 I reported to chime that my cell phone and pouch was stolen containing cards. I reset all my information, updated new number and sent in information to dispute any transactions that would come through. I even spoke with a representative in which I asked to block all merchants and turn transactions off XXXX reported all cards stolen. Today XX/XX/XXXX chime has closed my actions with no notice and also informed it will take 30 days to get My funds. I also have open disputes that they informed they will process. I need my funds all of my money was in those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX, has violated my rights. 

XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief