vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-17 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have unauthorized inquires on my credit report I would like to be removed. There has been hard Inquiries made in violation of federal law. Pursuant to 15 USC 1681a ( 2 ) ( A ) ( i ), the term consumer report can not be containing information solely as to transactions or experiences between the consumer and the person making the report. As a consumer and pursuant to 15 USC 1681 ( a ) ( 4 ), you are to respect my right to privacy and XXXX, Equifax and XXXX has violated my right by allowing these transactions to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have unauthorized inquires on my credit report I would like to be removed. There has been hard Inquiries made in violation of federal law. Pursuant to 15 USC 1681a ( 2 ) ( A ) ( i ), the term consumer report can not be containing information solely as to transactions or experiences between the consumer and the person making the report. As a consumer and pursuant to 15 USC 1681 ( a ) ( 4 ), you are to respect my right to privacy and Experian, XXXX and XXXX has violated my right by allowing these transactions to happen.

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 2022-01-17 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: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
After having impeccable credit history for across 20 plus years years with XXXX, I received a late payment notification from credit bureau. I had no idea a financial obligation was owed on said account because due to covid, I had to send my employees to unemployment including my office manger. XXXX supposedly tried to reach out via an old phone ( not on the most current app ), and the office number by autodialer never leaving a voicemail because the autodialer could not get through the system. XXXX was understanding of the situation and advised as a " curtesy '' they would remove the late payment. Which to date they still have not removed from any of the 3 agencies. Upon notification of the late payment, I contacted immediately and made payment. They are breaking multiple laws affected by congress with covid. I am a small business owner and had extreme financial hardship. That said I still would have paid the bill before the late period had I KNOWN it was due ( my office manger had perviously paid and thought it was on auto pay ). I have disputed the late payment and they " verified '' instead of holding their end of the agreement which is required by state and federal law.

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 2022-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Avadyne Health Holdings, Inc
State: GA

Complaint narrative:
H & R ACCOUNTS INC at XXXX XXXX XXXX, XXXX, IL XXXX has been sending me collection notices in the amount of ( {$800.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. I would like this collection removed from my credit report with all 3 agencys XXXX, XXXX and XXXX immediatly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 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: GA

Complaint narrative:
I HAVE CONTACTED TRANS UNION SEVERAL TIMES REQUESTING FRAUDULENT INFORMATION ON MY REPORT BE REMOVED. I AM A VICTIM OF IDENTITY THEFT AND IVE TAKEN THE PRECAUTION OF ADDING A FRAUD ALERT AND PHONE NUMBER ON MY CREDIT FILE. THIS HAS NOT HELPED ANY AS SOMEONE CONTINUES TO USE MY PERSONAL INFORMATION TO KEEP APPLYING FOR CREDIT WITHOUT MY CONSENT. THERE ARE SEVERAL FRAUDULENT INQUIRIES ON MY FILE THAT NEED TO BE REMOVED IMMEDIATELY. I HAVE REQUSTED DISPUTE INTO THESE FRAUDULENT ITEMS MANY MANY TIMES AND TRANS UNION HAS NOT EVEN RESPONDED TO MY DISPUTE OR REQUEST FOR THE ITEMS TO BE REMOVED. THIS IS A VIOLATION OF MY RIGHTS UNDER 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 2022-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
( I.C. SYSTEM, INC ) at ( XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MN XXXX ) has been sending me collection notices in the amount of ( {$990.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. I would like this collection removed from my credit report with all 3 agencys XXXX, XXXX and XXXX immediatly.

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 2022-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: TX

Complaint narrative:
I sent discover a validation of debt and cease & desist letter on XX/XX/2021. Discover received the letter on XX/XX/2021. They only sent account " statements '' They never sent me actual validation of the DEBT. They violated me under the federal consumer protection laws. There are 5 requirements to validating debt under 15 USC 1692g.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 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: FL

Complaint narrative:
I am a victim of fraud on XX/XX/2022 my personal information was used without my consent, I contact Equifax and explain what happened I was told they would investigate and was giving a conformation # XXXX. A few hours later I receive a email saying everything was accurate. I did not apply for a card from XXXX XXXX  XXXX but Equifax is saying I did knowing I am a victim of fraud please have them remove the inquiry that was fraud on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Recently I reviewed my credit report and noticed inaccuracies, on XX/XX/2021 an inquiry was made on my Experian and XXXX accounts by XXXX I do not recognize this inquiry as one that I have authorized and fear that personal information pertaining to me may have been compromised. I have contacted Experian and XXXX to report the inaccurate reporting and have received no response. I have also contacted XXXX XXXX numerous times to demand the removal of this unauthorized entry, I have also received no response to any of my letters from the creditor. I will be satisfied if this inquiry is deleted from my report immediately, as it has damaged my reputation, affected my credit score, and hampered 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 2022-01-17 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: IL

Complaint narrative:
this account is owned by XXXX and was removed because it was a result of identity theft. and was included in my past Identity theft package it was sold to this agency by mistake. enclosed in the Identity theft package XXXX XXXX should be blocked from my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Netspend Corporation
State: NC

Complaint narrative:
I have a account with skylight Im a minor my account got locked because I put in the wrong password three times, Ive called them multiple times sent multiple documents and a lot of them got denied my social and birth certificate did get improved but they still wont unlock my account and Im a minor only XXXX so I dont have any other type of Id.

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 2022-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I talked to a gentleman online in a buying XXXX XXXX XXXX cards forum after listing that I had a alpha edition time vault. He said to get paypal and he would buy it. I opened the account with seller protections and followed all protocol. I received payment that was pending until the buyer received it vis mail. I got it tracking with signature receipt via usps mail. The customer claimed he received a item not as described. He sends it back and before I even receive it at the post office chargeback my funds. I open the package and recorded doing so at the post office and inside was paper and a junk card. He didn't send back my item at all! I have paypal seller protection but because paypal had him send it as item not as listed instead of returned or another filing conveniently it doesn't help? This is insane.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
On XX/XX/XXXX, I was a victim of identity theft. The thief made multiple charges on my behalf using my bank information from my bank app and created a XXXX account. They ordered XXXX rides totaling to about {$55.00}. My bank has resolved a couple of the charges. 

However, on XX/XX/XXXX, TRS Recovery Service collection agency tried to collect for the remaining amount of about {$26.00}. I responded by filing a forgery or identity theft through their online website with the police report attached. 

They sent a second follow up letter on XX/XX/XXXX stating " no attempt to collect '', but requested for personal identifying and bank information, which I am not comfortable sharing. They provided a fraud and identify theft reference number.

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 2022-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
call at place of business and all hours of night, claim a debt from XXXX randomly send threatening letters. Credit Collection Services in XXXX, MA.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have not been able to access my Equifax credit report online. I am ALWAYS able to obtain my XXXX and XXXX reports. It seems like Equifax has built in a frustration factor meant to deter people from easily obtaining there credit reports. The " http : //www.annualcreditreport.com/ '' site is useless for Equifax but works properly with the other two. This has gone on for four or five years. My credit and identifying information is known to me ; I am not answering Equifax ' challenge questions improperly. It's impossible to speak with a human at Equifax. So, that route isn't helpful. 

Please help me to motivate Equifax to allow me, as a consumer to access my credit report online. It's 2022. Please and thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: GA

Complaint narrative:
BULLCITY FINANCIAL SOL at XXXX XXXX XXXX XXXX # XXXX, XXXX, NC XXXX has been sending me collection notices in the amount of ( {$320.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. I would like this collection removed from my credit report with all 3 agencys XXXX, XXXX and XXXX immediatly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 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: TX

Complaint narrative:
I have reached out to Equifax regarding erroneous, and unvalidated information from XXXX collection agencies, 1 of which has since stop reporting on it's own after I asked the company to validate the alleged debt. 
The two remaining collection agencies are XXXX XXXX and XXXX XXXX XXXX have yet to validate their alleged accounts. I have never given XXXX XXXXs nor XXXX XXXX XXXX permission to receive, collect, nor furnished any of my personal information and private information to any agency ( ies ) or person. 
Equifax seems to be violating the law. 15 USC 1681b Permissible Purpose of Consumer Report. 
( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
Equifax stated that they investigated the alleged accounts and it was verified, and will not reverify the alleged accounts. 
I wrote Equifax again requested information regarding their investigation in XXXX, XXXX. As of now XX/XX/XXXX I have not receive the requested answers to my questions regarding the validation of those XXXX alleged accounts. 
15 USC 1681 a 2 ( a ) ( i ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: AZ

Complaint narrative:
Contact was made via USPS requesting competent documentation to validate my obligation to the alleged debt pursuant to 15 USC 1692g. Discover has failed to provide adequate documentation to validate the alleged debt. Discover is refusing to allow me to exercise my rights as a consumer and is furthermore causing injury and damage to my reputation by continuing to publicly report this unverified debt via various credit reporting agencies. A cease and desist was sent via USPS informing Discover of my decision to invoke my specified remedy as a federally protected consumer pursuant 15 usc 1692 ( c ) ( 2 ), Discover has continued to communicate with me in regards to the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: GA

Complaint narrative:
AD ASTRA RECOVERY SERV at XXXX XXXX XXXX XXXX, XXXX, KS XXXX has been sending me collection notices in the amount of ( {$250.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. I would like this collection removed from my credit report with all 3 agencys XXXX, XXXX and XXXX immediatly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: CA

Complaint narrative:
The company XXXX XXXX is a storage company that send a fraudulently abstained debt to a collection company named, AAargon Agency for an estimated amount of {$450.00}. I did not acquire this debt nor did I open an account at 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 2022-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
On XX/XX/2022 I received a wage garnishment letter from my employer. I was shocked because I never received neither a court order nor notification ( making me aware LVNV is seeking judgment for a debt owed ) about a lawsuit from LVNV. Therefore, LVNV has illegally filed a lawsuit against me in order to receive money for a debt. I don't know the original creditor nor can I produce an account number for this debt. This is unfair and illegal. LVNV should be embarrassed to take such drastic measured during a worldwide pandemic that caused me financial burden and COVID-19 causing many to quarantine meaning wage loss because COVID-19 Relief came to a haunt last year. So why illegally sue me. Many people are XXXX and some are XXXX ill.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
15 U.S. Code 1681b - Permissible purposes of consumer reports ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 

TransUnion, XXXX, & XXXX were not given my consent to report any of my personal 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 explanation
Consumer complaint received 2022-01-17 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: NJ

Complaint narrative:
The Experian Credit Bureau is reporting inaccurate information on the listed accounts below. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

( XXXXXXXX XXXX XXXX XXXXXXXX, 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 2022-01-17 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: NJ

Complaint narrative:
The Transunion Credit Bureau is reporting inaccurate information on the listed accounts below. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

( 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