vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Because I am concerned about identity theft, I just tried to freeze my credit from the 3 credit bureaus. While 2 of the 3 took only a few minutes and were very easy to do online, Experian was not. It is very difficult to understand how to freeze your credit. It's obvious they hide how to do it on their website. Nothing about it is intuitive. What makes it worse is they try to scare you and upsell you. It's just sad and pathetic attempt to get money from consumers. We don't have a choice. We shouldn't have to jump through hoops to freeze our credit from a greedy company that we don't even have a choice to use. Your executive team or whoever thinks they are so clever by making it difficult to freeze consumer credit are just greedy and disgusting. I am disgusted that I have to use your pathetic service and am disappointed that my government does not protect me from shady, greedy, and shameful businesses like Experian.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: AZ

Complaint narrative:
This collection company is adding incorrect interest to my debt, per court order they are not allowed to. I have requested debt verification information more than once and did not receive a response. I have been making payments of $ 25 monthly since XX/XX/XXXX22, I missed XX/XX/XXXX and XX/XX/XXXX payment due to XXXX. I called the company due to my bank account being garnished. There was no contract that I signed. They refused all offers I made to make payments. I have been out of work the entire time. This company is adding daily interest not annum interest, which caused my debt to increase substantially. I have requested verification or my payments and certified letters mailed white no response. I have been paying monthly under NO agreement with this company. They stated since I missed 2 payments they garnished my mothers bank account that I am on to pay her bills. She is elderly and XXXX. They used a portion of he social security check to pay on my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX is on my credit twice as a current, no missed payments, good standing account, then later another XXXX XXXX acct was added as delinquent. I asked XXXX XXXX what was going on they said they dont have that acct on my credit file and it doesnt belong to me and to dispute it with the bureaus. Experian marked the account as verified when even the company said it didnt belong to me. They couldnt have verified this accurately. I also asked for proof baring my signature binding a contract between us. They havent shown me any paperwork.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-04 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: IL

Complaint narrative:
In accordance with the fcra, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c. 1681. I did not authorize or acknowledge any of the inquiries listed below, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  open XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Has violated my rights. 15 u.s.c. 1681 section 602 ( a ) states I have a right to privacy. 15 u.s.c.1681section 604 ( a ) section 2 : states a consumer reporting agency can not furnish a account without my written instructions. 15 u.s.c.1681 c ( 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 7 years. XXXXu.s.c.1681 c-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person 's 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 2022-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
The credit bureaus refused to provide you their MOV ( Method of Verification ) for the ( SOUTHWEST CREDIT SYSTEM ) listed on my credit report according to FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) which states : if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of the information contacted in connection with such information, and the telephone number of such furnisher, if reasonably available. FCRA 611 ( a ) ( 7 ), which is used for such a request, states : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. They have deleted it off my XXXX Report but wont delete off XXXX, or XXXX. They haven't provided any information at all showing the debt belongs to me no Contractual agreements or my wet signature showing me responsible for the debt or this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Kabbage recently responded to my XXXX complaint about a denial to a lone of credit due to text issues on the the companies behalf. They responded I didn't give all documentation.and I have to wait 60 days to apply..But te same complaint with XXXX they responded notifying of their wrong decision and invited me to reapply .please see attachment and date. They have unfair and unethical practices and they need to XXXX investigated.I attached their contradicting response with CFPB AND XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I have taken action on this account as of XX/XX/XXXX timeframe and I have disputed this information and it states it does meet the FCRA requirements to be removed from my credit report but the company is still reporting it and the account is closed and paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
In XXXX XXXX a few days before the XXXX I received a letter from Ally Bank. This letter stated that they were closing my account. The only reason given was the Deposit Agreement clause referenced. That clause stated that they could close your account at any time for any reason. With my son 's help we called them after a lengthy wait time and hold times they said it was being closed and referenced the letter. My son talked to a supervisor who tried to open a new account for me and was unable to. 
That same day with my son 's help I got a new bank account open with another company and switched my Direct Deposit with Social Security to the new account for XXXX leaving my XXXX Social Security check in question On XX/XX/XXXX I logged into their app and saw my Savings account was closed but my Checking was not and had my XXXX Social Security check in it. I tried to do a XXXX transfer of the money and it required a verification call. With my son 's help we called them got through the verification and the transfer failed. The Customer Service representative took a look and said the Department that could help with thar would not be till Monday. 
Monday XX/XX/XXXX my son and myself called and the XXXX transferred us to Loss Prevention. He said the restriction on the account could not be removed by him but can be by Customer Service si he transferred us to the general Customer Service queue. The wait time was almost an hour and since we had been on the phone for over XXXX hour and we had to leave we hung up. 
On Tuesday XX/XX/XXXX me and my Son called back to try and get my money after 2 disconnect and almost 2 hours all they said is referenced back to the letter and said a check would be mailed but they couldn't say when the check would be mailed. 

So as of today Tuesday XX/XX/XXXX they still have XXXX of my money and I have no idea if and when I will get my money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have reached out to each reporting agency for a resolution but was not able to achieve one. 

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. 

Account name and number XXXX XXXX Bank ( 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 : 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 repot containing any of the following items of information Any other adverse item of information, other than records of conviction 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XX/XX/XXXX I am writing to dispute the following information that appears on my Credit report XXXX XXXX XXXX XXXX  Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$800.00}. 
I previously disputed this account. I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete the negative information. 

XXXX XXXX XXXXXXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$560.00}. 
I previously disputed this account. I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete the negative information. 

XXXXXXXX XXXX XXXXXXXX XXXX Auto Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$10000.00}. 
I previously disputed this account. I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete the negative information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-04 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: NY

Complaint narrative:
XX/XX/XXXX I am writing to dispute the following information that appears on my Credit report XXXX XXXXXXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$800.00}. 
I previously disputed this account. I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete the negative information. 

XXXX XXXX XXXXXXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$560.00}. 
I previously disputed this account. I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete the negative information. 

XXXXXXXX XXXX XXXXXXXX XXXX Auto Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$10000.00}. 
I previously disputed this account. I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete the negative information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I reached out Over 30 days ago. I never received any letter or any other response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Guglielmo and Associates
State: AZ

Complaint narrative:
This collection company is adding incorrect interest to my debt, per court order they are not allowed to. I have requested debt verification information more than once and did not receive a response. I have been making payments of $ 25 monthly since XX/XX/XXXX2022, I missed XX/XX/XXXX22 and XX/XX/XXXX22 payment due to XXXX. I called the company due to my bank account being garnished. There was no contract that I signed. They refused all offers I made to make payments. I have been out of work the entire time. This company is adding daily interest not annum interest, which caused my debt to increase substantially. I have requested verification or my payments and certified letters mailed white no response. I have been paying monthly under NO agreement with this company. They stated since I missed 2 payments they garnished my mothers bank account that I am on to pay her bills. She is elderly and XXXX. They used a portion of he social security check to pay on my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Debt Recovery Solutions, LLC
State: IA

Complaint narrative:
I informed XXXX XXXX XXXX XXXX XXXX XXXX? ) that XXXX XXXX associates such as myself were furloughed for the duration of the Covid 19 pandemic. I sent a copy of the letter all XXXX XXXX associates had received informing them of this. This action was necessary because I was paying for merchandise by payroll deduction. This deduction was no longer available once the furloughs became effective. 

I simply did not have the funds to sustain an indefinite furlough subsistence. I inquired of SSA because I was XXXX and quickly learned that I was eligible for benefits and filed for Social Security Benefits effective XX/XX/2019. My sole income is Social Security -- I receive no other income. I live in HUD XXXX XXXX subsidized housing. There is no other income but Social Security Benefits. 

As I understand it, Social Security Benefits are exempted by law -- therefore, I am judgment proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synovus Bank
State: FL

Complaint narrative:
The credit bureaus refused to provide you their MOV ( Method of Verification ) for the XXXX XXXXXXXX XXXX Credit Card listed on my credit report according to FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) which states : if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of the information contacted in connection with such information, and the telephone number of such furnisher, if reasonably available. FCRA 611 ( a ) ( 7 ), which is used for such a request, states : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. They haven't provided any information at all showing the debt belongs to me no Contractual agreements or my wet signature showing me responsible for the debt or this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
Barclays stole {$5100.00} from my checking account using ACH! 
Barclays autopay withdrew {$5100.00} on XXXX and again on XXXX, double the amount I owe. 
I called XXXX at XXXX and they tell me it is aware of the problem but can't tell me when I'll get my money back or when this problem will be fixed!!! 
Now my checking account is about to bounce! XXXX say there is NOTHING THEY CAN DO!!!! 
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 2022-10-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Obtained credit card back in 2020 upon review of statement found charges that I did not make. 
Contacted credit card company via phone call informing them of the charges which I did not make. At which I was transfered to the fraud department of XXXX XXXXXXXX credit card I informed the customer service representative of the purchases on my card and explained they were not mine and i did not make them. At this time I 2as told by the CSR of the fraud unit that they would handle it from there on out. There was no need for further follow up on my end. 
Now 2 years later I have received a summons for this outstanding debt that I did not make and reported to XXXX XXXX fraud unit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AUTOMOTIVE CREDIT CORPORATION
State: NV

Complaint narrative:
Automotive Credit corp is showing an inaccurate balance owed of {$4000.00}. I disputed this inaccuracies with XXXX, XXXX and XXXX. Automotive credit corp has verified and certified the furnished information is accurate. I then did my own investigation and determined that Automotive does not own this account anymore. They sold this account to XXXX and charged it off. As a result of that sale Automotive credit lawfully has to update my consumer report to {$0.00} balance. I owe no money to Automotive credit since they no longer have ownership of the account. The FCRA requires furnishers to furnish accurate infomation. The FCRA also requires Automotive credit to investigate disputes. I tried calling the listed number on my consumer report and they refuse to help me because they said they no longer hold the account. This inaccurate reporting is a violation of 15 USC 1681 also since they failed to complete their duty to update the consumer reporting agencies this is another violation and noncompliance with the FCRA. Also when i filed my dispute with the consumer reporting agencies and the dispute was forwarded to Automotive Credit they verified the inaccurate information instead of doing a reasonable investigation which is another violation of the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I sent letters over a month ago and have not received any responses

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