vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Your company COMENITY BANK/ VICTORIA never validated this alleged account. If you have validated this account please provide method of validation. I was never given the opportunity to access or review this alleged debt. If you in fact believe that you gave me proper notification of this alleged debt, please send me a copy of the certified receipt with my name and signature as well as my original contract with signatures from the original creditor with the cost you paid for this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
Capital one and other credit companies ran my credit without my permission and when I reached out to the company they stated it will fall off in a few years. Also I have different credit score also I havent lived in XXXX Tennessee please help me solve the issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The same company filed two collections reports against me with TransUnion. Both of these accounts are the results of fraud. I disputed one online. However, Transunion will not allow me to dispute the second fraudulent account unless I wait for the first one to be completed or unless I physically mail them. This is unreasonable in terms of both my time and my money, and it is simply a delay tactic to avoid their taking responsibility for their false reporting. It is also inconsistent with the practice of the other two bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 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: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Portfolio Recovery Collections Account- Disputed discrepancy in reporting contradictory open and closed dates and that account was too old to be reported to credit bureausXXXX  removed account from Credit Report but XXXX and XXXX did not. ( Between XX/XX/2024 and XX/XX/2024, your PORTFOLIO RECOVERY collections account was removed from your credit report. ) Portfolio Recovery Collections Account reported 2 separate account numbers that were also disputed and removed from only one Credit Reporting Agencies Last 4 digits of account numbers # XXXX and # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX ) XXXX ) XXXX XXXX XXXXDisputed discrepancy in reporting contradictory open and closed dates and that account was too old to be reported to credit bureaus. TransUnion removed account from Credit Report but XXXX and XXXX did not. ( Report Created On : XX/XX/2024 File Identification Number : XXXX Provided by TransUnion Consumer Relations )

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 2024-03-23 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: PA

Complaint narrative:
XXXX ) XXXX ) XXXX XXXX XXXXDisputed discrepancy in reporting contradictory open and closed dates and that account was too old to be reported to credit bureaus. XXXX removed account from Credit Report but Equifax and XXXX did not. ( Report Created On : XX/XX/2024 File Identification Number : XXXX Provided by XXXX Consumer Relations )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 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: PA

Complaint narrative:
XXXX ) XXXX ) XXXX XXXX XXXX-Disputed discrepancy in reporting contradictory open and closed dates and that account was too old to be reported to credit bureaus. XXXX removed account from Credit Report but XXXX and Experian did not. ( Report Created On : XX/XX/2024 File Identification Number : XXXX Provided by XXXX Consumer Relations )

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 2024-03-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
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 
These inquiry do not belong to me. i will like for them to be remove from credit report. 
DELETE 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 2024-03-23 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: OH

Complaint narrative:
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 
These inquiry do not belong to me. i will like for them to be remove from credit report. 
DELETE XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
Your company WESTLAKE FINANCIAL SERVICES never validated this alleged account. If you have validated this account please provide method of validation. I was never given the opportunity to access or review this alleged debt. If you in fact believe that you gave me proper notification of this alleged debt, please send me a copy of the certified receipt with my name and signature as well as my original contract with signatures from the original creditor with the cost you paid for this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
I had a auto loan with capital one auto. I traded the vehicle in and i am showing a XXXX write off on my credit report. This information is incorrect. As the dealership requested the full payoff of the existing loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 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: NY

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.

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 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 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I want XXXX removed from Social Security number ( ssn ) area/field of my consumer report. This information is in accurate and I would no version of my Social Security number to be reflected on my consumer report in any way. This is my right to privacy as a consumer pursuant the privacy act of XXXX. 


I would like the following hard inquiries removed from my credit report per 15 USC 1681 permissible purposes without my permission. The following information legally can not be reported. Therefore, I want it removed immediately. 

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 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I want XXXX removed from Social Security number ( ssn ) area/field of my consumer report. This information is in accurate and I would no version of my Social Security number to be reflected on my consumer report in any way. This is my right to privacy as a consumer pursuant the privacy act of XXXX. 


I would like the following hard inquiries removed from my credit report per 15 USC 1681 permissible purposes without my permission. The following information legally can not be reported. Therefore, I want it removed immediately. 

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 explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
They keep calling and I told them I paid

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 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. 

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 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 explanation
Consumer complaint received 2024-03-23 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: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 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: DISCOVER BANK
State: OH

Complaint narrative:
The account was opened fraudulently

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/2023 an online purchase made with a Bank of America credit card was lost by the package carrier, as confirmed on XX/XX/2023 by USPS. This incident qualifies for a Bank of America credit card benefit - Purchase Security - a benefit that had been available on this and two other Bank of America credit cards. Upon attempting to file a claim with Bank Of America designated Benefits Administrator, I was informed that such benefit does not exist. This is the first time this change in the terms of Bank of America 's " Your Cardholder Benefits Guide '', and the most recent copy from Bank of America made available to me clearly indicates such benefit. Multiple attempts, made by phone and visiting a local branch, to obtain clarification from Bank of America as to when the bank notified me of the change were unsuccessful.

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
Consumer complaint received 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I had a auto loan with XXXX  XXXX XXXX. I traded the vehicle in and i am showing a XXXX write off on my credit report. This information is incorrect. As the dealership requested the full payoff of the existing loan.

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 2024-03-23 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: NY

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report, please remove these accounts from my report they are hurting my ability to obtain credit.

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 2024-03-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
my wife and I received a loan from ONE MAIN financial i told the store personnel i did not want any add on products they were trying to sell me i then received a letter in mail stating i had the option to cancel the life insurance policy i had purchased i knew at that time they added this product to my loan i did not feel like talking to these deceptive people so i just let the insurance policy go forward

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Exeter Finance, LLC.
State: IL

Complaint narrative:
im writting in response to a debt claim that i owed to exeter i settle out with them under the theats of taking me too court, reporting to the credit reporting bureurs, But they never told me i can dispute this debt, i never gotten validation of this account they never sent any of that to be fair, so im formally asking for you to cease any collection actities until debt has been validated addionally any attemps to reports this to a credit agency with out proper validation of the fair credit act i am asserting my rights under 15u.s.c.1692, an they are still reporting the original debt

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: SD

Complaint narrative:
I am not liable for this debt with Midland credit management of XXXX I first seen this on my credit report through credit karma and i disputed it? Its also shown as an open account? I do not have a contract with midland credit management, they did not provide me with the original contract as I requested or my wet signature and ID verification? Theres not even an account number that I could give you. Thank you for your help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation
State: OH

Complaint narrative:
Was tricked into adding options products on my loan was told I couldnt get the loan unless I signed up for these options products

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frost-Arnett Company
State: PA

Complaint narrative:
XXXX XXXX  dis not charge my medical insurance correctly. I called multiple times and was told they are working with my insurance to bill them correctly. I even had a three way call between BCBS of IL and Ascension in XXXX and was told to ignore the bills Ascension was sending. Ascension decided to send my bill to collections, Frost Arnett. I received a collections bill from them XX/XX/2024, three days after they initially contacted me. I disputed the charge through their website and also on XX/XX/XXXX, called Ascension and asked why I was being sent to collections for a problem they caused. I was told they would pull the debt back from Frost Arnett and escalate my issue. Ascension gave me the reference number XXXX and told me it would take 7-10 business days. During this time, I received another bill from Ascension for the incorrect amount and apparently Frost Arnett created the written notice on XX/XX/XXXX with all pertient information but didn't send it until XXXX. I received that notice in the mail on Thursday, XX/XX/XXXX, over thirty days from when they created the document and from when they were supposedly told by Ascension to stop collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
I am repeatedly getting calls and voicemails with a recorded message telling me to contact Harris and Harris , Ltd. by calling the provided number. When I finally was able to reach a live person, I was informed that the company was trying to collect on a debt. When I asked for the name of the person and the address they were trying to collect from, they refused to give me the information. They then asked me for my name and address, which I obviously am not going to provide to a company that can't even tell me who they're trying to collect from. I am not delinquent on any debt, and Harris & Harris , Ltd. has provided no means for removing my phone number from their call list.

Company response to consumer: Closed with explanation