vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, if someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Equifax. 

1. Company Name : XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Medical Financial Services, Inc.
State: AZ

Complaint narrative:
This was like 3 yrs ago, amount was never discussed!!!!. What company? at that time I was clean for like 4ys. XXXX really what did I owe? they hung up on me cuz I wouldn't give the name they asked for. Threats don't work. If this what I thank it is. My payments are on time. Have fun robbing ppl on that note I love you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Conn's, Inc.
State: TX

Complaint narrative:
" Conns XXXX Inc '' has reported false and inaccurate information to the credit bureaus with claims that I owe a debt of {$3300.00} on the date of ( M/Y ) XX/XX/XXXX along with the false and inaccurate claims that I've opened an account with them on ( M/Y ) XX/XX/XXXX. I have never owed such claimed debts to Conns XXXX Inc. 
Conns XXXX Inc has no records or supporting proof that would link me to such debt. Conns XXXX Inc is unable to provide any proof beyond a reasonable doubt that would link me to this account they are reporting to the credit bureaus. 
In addition, Conns XXXX Inc is knowingly reporting an inaccurate address that I've never lived at, that is in a completely different state than what I do live in. 

Conns XXXX Inc has received an Identity Theft Report in XXXX of XXXX and as of XX/XX/XXXX has multiple FCRA VIOLATIONS. 
Each of those violations will be pursued in State Court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 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: TX

Complaint narrative:
I am disputing Bankruptcy XXXX on my Transunion credit report. On XX/XX/XXXX TransUnion has stated that they were able to verify that the Bankruptcy is being reported correctly via XXXX. I have multiple letters from XXXX dated XX/XX/XXXX and XX/XX/XXXX stating that XXXX could not verify Bankruptcy XXXX and that they are no longer reporting Bankruptcy XXXX. How can TransUnion verify the Bankruptcy using XXXX as their source when XXXX has no record of the Bankruptcy. I have attached documents from XX/XX/XXXX and XX/XX/XXXX that prove XXXX DID NOT verify Bankruptcy XXXX with TransUnion and has even attempted to contact TransUnion to have the Bankruptcy removed from my credit report. TransUnion states that you can get more information about how they verify public information records by going to the website www.transunion.com/legal/public-records. When you go to this website it states that TransUnion gets their information from XXXX. XXXX does not have any bankruptcy information for me. So XXXX DID NOT verify that this bankruptcy should be reported by TransUnion. 

By continuing to report Bankruptcy XXXX on my credit report TransUnion is violating the Fair Credit Reporting Act and can be fined up to {$1000.00} per occurrence.

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 2021-06-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
on XXXX I sent a letter regarding inaccurate and unknown things on my credit report. My information was impacted by the equifax data breach and by another data breach were thieves stole my identity to file for unemployment benefits as well.I have yet to receive a response yet and i feel like I am being ignored of my disputes. section 611 ( a ) plainly states that a failure to investigate these items gives a reason to immediately remove from my credit profile. Also with identity theft issues law 605B ( a ) ( 6 ) ( 15 usc & 1681 c-2 ) which states that these accounts must be removed in 4 business days of receipt.I demand these items be deleted immediately or I will file for litigation due to the stress you have caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: CA

Complaint narrative:
No known knowledge of the collection/charge-off for {$120.00} that was created on XX/XX/2020.

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 2021-06-27 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: EQUIFAX, INC.
State: PA

Complaint narrative:
The unverified items remain on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Phoenix Financial Services LLC
State: AZ

Complaint narrative:
This was like 3 yrs ago, amount was never discussed!!!!. What company? at that time I was clean for like 4ys. XXXX really what did I owe? they hung up on me cuz I wouldn't give the name they asked for. Threats don't work. If this what I thank it is. My payments are on time. Have fun robbing ppl on that note I love you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 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: PA

Complaint narrative:
The unverified items remain on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

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 2021-06-27 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:
on XX/XX/2021 I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of. Also False bankruptcy information showing on my report. I have already disputed with the credit bureaus via certified mail and have gotten no response. I have contacted the County Clerk at the court and they have also stated that they do not furnish any information to the bureaus so the bankrupcty on my credit report is illegal and damaging to my credit score. You have failed to conduct a truthful investigation into this PUBLIC RECORD within the provisions of consumer laws. NOT IN COMPLIANT! Its impossible that you indeed investigated or even attempted to look into these public record listed below because I asked the court clerk if they verify records with the credit bureaus and they stated and send me a attached letter that they do NOT, so how did you legally verified this? For example, court name is not accurate each credit reporting agency must report the actual name of the court, followed by city, state. Youre required to obtain verification from the DATA FURNISHER and the court told me that they dont verify with you, so HOW is anything else considered legal verification? I need you to send me the petition to verify this account. If you can not do that, then this needs to be removed and permanently deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 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:
Such as I viewed my credit report and noticed an account that i have never applied for nor had communication with

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 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: LEXISNEXIS
State: NY

Complaint narrative:
XXXX has this False bankruptcy information showing on my report. I have already disputed with the credit bureaus via certified mail and have gotten no response. I have contacted the County Clerk at the court and they have also stated that they do not furnish any information to the bureaus so the bankrupcty on my credit report is illegal and damaging to my credit score. You have failed to conduct a truthful investigation into this PUBLIC RECORD within the provisions of consumer laws. NOT IN COMPLIANT! Its impossible that you indeed investigated or even attempted to look into these public record listed below because I asked the court clerk if they verify records with the credit bureaus and they stated and send me a attached letter that they do NOT, so how did you legally verified this? For example, court name is not accurate each credit reporting agency must report the actual name of the court, followed by city, state. You are required to obtain verification from the DATA FURNISHER and the court told me that they don't verify with you, so HOW is anything else considered legal verification? I need you to send me the petition to verify this account. If you can not do that, then this needs to be removed and permanently deleted. I will be forced to sell remedy in court if this issue is not taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 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: The Hallstrom Law Firm PLLC
State: AZ

Complaint narrative:
In 2020 i was informed a lawyer was suing me for a dental bill i do not owe. 

The lawyer claimed XXXX plus interest and put it on my credit report claiming over XXXX pwed. 

I furnished all my proof showing i over paid a dentist who i paid XXXX for a partial after dentist botched root canal and caused the tooth to break. The partial to cover missing tooth was defective. 

The lawyer did not add all the insurance paid or a check for XXXX paid. 

After proving these things lawyet changed amount claiming XXXX of the XXXX was for services not rendered but antispated. Now he say XXXX owing which is still incorrect. I do owe period. 
The XXXX the lawyer put on my credit report was again put on knowing i do not owe that and lawyer admitted it the amount was for services not remdered however hes still trying collect unfair incorrect money. 
Case XXXX XXXX XXXX XXXXXXXX court Hallstrom Law for XXXX XXXX XXXX XXXX My name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX az XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 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: EQUIFAX, INC.
State: MN

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: MoneyLion Inc.
State: MI

Complaint narrative:
I got ta notification from my XXXX XXXX app that a loan had just been reported under my credit history. I never applied for any loan. So I checked the credit karma app and I saw a loan of XXXX $ It was approved through money lion under my name, It was opened XX/XX/2021, I never applied for this loan and I only just found out about the money lion loan on XX/XX/XXXX when I checked my bank statement and I saw a transaction of XXXX $ and also XXXX $ from money lion. Thats how I found out a loan was active under my name. 
I have submitted a dispute through XXXX XXXX on XXXX XXXX. 
But I have also tried to call money lion company customer care but they dont help much.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 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: FL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Harley Davidson Financial Services Inc
State: MA

Complaint narrative:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
Good day PayPal closed my account for no reason and will not help me with getting it back up and going. I use the account to pay and receive money from friends and family. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them as i tried all their customer care and social media customer care with no success. I emailed and tried to call but, it won't go through. I would like to file a report on here as they are also withholding my funds of {$5000.00}. I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. XXXX Regards XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 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: CA

Complaint narrative:
Contacted Experian regarding an account revolving XXXX XXXX as account to be corrected as PAID ON TIME. 1ST ATTEMPT WAS IN XX/XX/2021 ... NO RESPONSE. as possible finance corporate submitted a request to fix it delete from file. Another request has been sent XX/XX/2021 for the same request. No response from 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 2021-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
My account became overdrawn, which caused an overdraft fee. Bb & t continued to charge fees for months after Id stopped using the account. It wracked up over {$1200.00} in fees that had no charges attached

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 2021-06-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I have a store credit card a walmart credit card through ( capital one bank ) I have been paying them since I believe I got the card in ( XXXX or XXXX ) and I started my first pay i believe in ( XXXX or XXXX ) I always pay my bills good and I was wondering why when I pay it never goes down! So I called them several times and contacted the mail office about this matter to tell them I am being charged double on each of my month bills I mention to them the other cards I have deduct my payments and you all are not instead when I pay the bills they do not deduct the payments they never applied my payments but charging me over for the payments which is doubted and I can not get them to do so! They refuse to put the payments on correctly and they refuse to send me my statements with all the payments I have made for months almost two years or more! I have spoken with several managers and bosses over them and the fraud departments for their companies i have contacted their companies with letters mentioning to them I am being double charged each month and my bills have remained close to the same! I told them this is illegal and very much fraud and I mentioned and told them they are violating my civil rights it's illegal to double charge a bill and never deduct each payment my the months as agreed on any credit cards they refuse and told me I have nobody it like that! Which is a illegal lie and they also told me they can not send my statements and tells me they will not! I told them they can not refuse paper statements and I am tired of it this been going on for about two years or more. I have called this companies sometimes several times a month and wrote their cop rate office and the corporate office never responded I called their cop rate office someone answers and when I started telling them the matters or asked them why have they responded too my letter concerning the double payments and fraud and I have been refused paper statements in the mail they hanged up every time! This is illegal and not right. How c and you take people 's payments and not! Apply them and charge them the same payments over illegal crooked highway Robbery fraud and laundering money falsifying customers payments illegal money gains! Which is! Prohibited by law. And they are still doing never got s statements refusing to apply my payments they doubted and refusing to reimburse my money back from their illegal doings and processing for monery gains which is fraud their illegal and laundering misleading companies dealings. Be blessed

Company response to consumer: Closed with explanation