vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: ME

Complaint narrative:
I pulled my credit report and noticed that Equifax only was reporting a XXXX XXXX collection on my account. The date listed was XX/XX/2019 in the amount of {$550.00} by a company called XXXX XXXX XXXX XXXX in XXXX FL. I have no recollection of this XXXX XXXX and contacted Equifax to dispute the XXXX XXXX and find out more information. Equifax refused to remove it and said I had to contact the collector. I contacted the collector, XXXX XXXX XXXX XXXX, at phone number : XXXX. After review of the account, the address they had on file was incorrect and never was my address ( same street and home number but totally different city and zip code ). I then informed them of the incorrect information and asked for This to be removed from my credit report. I also sent in a notarized letter to both Equifax and XXXX XXXX XXXX XXXX with my most recent bank statement and my drivers license to prove my addresses at : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX FL XXXX Equifax Dispute XXXX XXXX. XXXX XXXX XXXX GA XXXX I still have not heard from either company and request that this be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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: DISCOVER BANK
State: FL

Complaint narrative:
I applied for a credit card company named DISCOVER CARD FOR STUDENTS WITH LITTLE TO NO HISTORY OF CREDIT. application number XXXX spoke to someone named XXXX who was helpful but i was still upset from the lies of the employees as of XX/XX/2021. I spoke to 2 people which one was a manager who were so rude and inaccurately getting my credit report information and DECLINING MY APPLICATION FOR NO REASON BECAUSE I DON'T HAVE NO DEGRATORY MARKS. AS I STATED AND AS ON MY XXXX XXXX ACCOUNT. WHICH SHOWS XXXX $ FOR EVERY STATUS. I HAVE NO CREDIT HISTORY AND FOR THIS COMPANY TO SHOW LACK OF CONCERN FOR CUSTOMERS IS VERY RIDICULOUS. AND STATING THEY DON'T RECONSIDER A PERSON APPLICATION IS VERY DISTURBING BECAUSE THAT IS THE WHOLE POINT OF RECONSIDERING A PERSON APPLICATION NOT DISCRIMINATING AGAINST THEM FOR NO REASON

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
the day I turned XXXX I pulled my credit wanted to see what my credit was showing. when i logged in i saw a collection for a collection company linked to XXXX  i filled a dispute and i was removed within a few days. well I got a phone call from another collection company this past week trying to collect again, we told them the account was not mine and that you just turned XXXX and your not responsible well the collection company said i was still responsible. how can i be responsible for something that was opened in my name without my knowledge and prior to me being XXXX this is tied to an address i do not live at. 

please remove this is hurting me

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 2021-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
the day I turned XXXX I pulled my credit wanted to see what my credit was showing. when i logged in i saw a collection for a collection company linked to XXXX i filled a dispute and i was removed within a few days. well I got a phone call from another collection company this past week trying to collect again, we told them the account was not mine and that you just turned XXXX and your not responsible well the collection company said i was still responsible. how can i be responsible for something that was opened in my name without my knowledge and prior to me being XXXX this is tied to an address i do not live at. 

please remove this is hurting me

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 2021-01-25 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: NJ

Complaint narrative:
I am filing this complaint in hopes that I can get some assistance in reaching these credit bureaus. They are unlawfully reporting late and missed payments on my credit report during the pandemic. I wasn't able to work during those times when the payments were missed and they aren't giving any consideration. These companies are in violation of The Coronavirus Aid Relief and Economic Security ( ChChch ) Act passed by Congress and signed into law on XX/XX/2020. I have submitted my compliant over a month ago and still haven't gotten any results. Please help me get these accounts updated and get my credit back on track.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
the day I turned XXXX I pulled my credit wanted to see what my credit was showing. when i logged in i saw a collection for a collection company linked to XXXX i filled a dispute and i was removed within a few days. well I got a phone call from another collection company this past week trying to collect again, we told them the account was not mine and that you just turned XXXX and your not responsible well the collection company said i was still responsible. how can i be responsible for something that was opened in my name without my knowledge and prior to me being XXXX this is tied to an address i do not live at. 

please remove this is hurting me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was over drawn in XXXX and XXXX. I was making small payments to my account. I finally was able to secure a new job and was not made aware that capital one had put a permanent freeze on my account. They then accepted almost XXXX XXXX dollars in direct deposit from my employer. I called last Thursday to find out why my atm card would not work and was informed that they had frozen my account. I asked if now that I had direct deposit they could open it up. They said no. I asked if o could withdraw my money they said no. I explained that I was on a Covid crisis response nurse travel contra and needed my stipend to secure housing. They said no. They did agree to expedite my check. Fast forward ten days and 7 business days later no check. I check my bank account and see that they have accepted two more direct deposits so now they have XXXX XXXX of my dollars and not closed my account. Im living in my car and have run out of food. I have over. XXXX in their bank and they tell me oops, Ill have to wait another ten business days. This is unacceptable. Im not disputing their right to close my account. Im disputing their lie of getting me a check last week, accepting another direct deposit and because they messed up still having to wait what will now be almost twenty business days got my money. I have lost my apartment, Im about to lose my job because I dont have money to wash my uniforms, let a lone take a shower everyday while living in my car in the XXXX XXXX parking lot.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
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 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 2021-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, 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 2021-01-25 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: MA

Complaint narrative:
Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I am submitting this complaint for the company Kohls / Capone to validate the alleged debt within 30-days of receiving this complaint. I recently tried to send out the validation request and a copy of my dispute which was returned to me as the address listed on my XXXX credit report of XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, does not exist and the latter was returned to me around XXXX. I have attached the disputes I tried submitting to the company. I also disputed with XXXX. The alleged debt can not be validated by law and under Michigan law the company is required to validate the alleged debt with a signed contract, not just statements. I do not recall this alleged account and therefore the company has no contract therefore the company must remove the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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: DISCOVER BANK
State: WA

Complaint narrative:
I have tried to contact XXXX - XXXX credit reporting relative towards the following companies seeking inquires about me without my knowledge or consent. The companies involved are : 1. Discover Financial Services XXXXXXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX 3 total inquires on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX I wrote to XXXX XXXX  asking for the documents or account opening information because my identity was recently compromised. ** 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX inquire on XX/XX/XXXX ** I wrote to XXXX XXXX asking for the documents or accounts because my identity was recently compromised. 
3. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Inquires were made on XX/XX/XXXX and on XX/XX/XXXX & XX/XX/XXXX. 
** wrote to XXXX XXXX asking for an explanation for this account and got NO RESPONSE. 
4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX inquiry on XX/XX/XXXX AGAIN, I wrote to XXXX XXXX wanting an explanation with documentation and account information BUT no response. 
5.XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX, DE XXXX XXXX Inquire on XX/XX/XXXX I wrote to XXXX XXXX asking for the documents or accounts because my identity was recently stole. No reply. 
6. Discover Bank XXXX XXXX. XXXX XXXX XXXX Utah XXXX XXXX UT XXXX Inquire on XX/XX/XXXX Again, no reply from XXXX XXXX. I asked for the documents or accounts information because I was recently an identity theft victim. No response. 
7. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX Inquiry on XX/XX/XXXX. I wanted the documentation and account information of this inquire. Again, No response from XXXX XXXX. 
8. Customer XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX Inquire on XX/XX/XXXX I wanted documentation of the account. No response from XXXX XXXX. 
9. Discover Bank XX/XX/XXXXXXXX XXXX DE XXXX Inquire XX/XX/XXXX No response from XXXX XXXX. I wanted the documents and information. 

I asked under the FCRA law to expunge these inquiries and place a BLOCK on my credit report and to inform me immediately if an inquiry is placed on my file and prior to sending anything to any inquiring company to inform me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
ON XXXX OF 2017 AN ACCOUNT WAS OPENED IN THE AMOUNT OF {$420.00} DOLLARS. I HAVE TRIED TO TALK TO THEM DIRECTLY. NO RESPONSE ....

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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: TN

Complaint narrative:
15 U.S Code 1681 Accuracy and Fairness of Credit Reporting : ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect of the consumers right to Privacy. 
XXXX is involved in a Car Loan Class Action. I demand these accounts be delete immediately. 

I've been sending equifax an original copy from XXXX XXXX XXXX stating for equifax to delete and default payments from my report and I have not gotten a response and it has been past 90 days with no response. 
My Information was impacted by the Equifax Data Breach

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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: NY

Complaint narrative:
It has been over 60 days and I haven't gotten a response from these compaines regarding my complaint. They are violating congressional law with their reporting and I am no longer going to suffer for these inaccurate accounts reporting on my credit report. I never opted-in for these companies to obtain my information and to have these accounts reported on my credit report. This is in violation of 15 U.S. Code 6802 section ( a ). There are also collection accounts with debt that I never validated, a couple of which were removed from Transunion and the other two bureaus have yet to consistently report so on their end, this is in violation of the FCRA as well. Please help me get these removed from my credit report.

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 2021-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
I was living at the XXXX XXXX  XXXXXXXX XXXX in MD. I moved XX/XX/XXXX, XXXX My landlord would not renew my lease during the pandemic so the money I had, needed to be used to move., the landlord was harassing me to move until the attorneys generals office contacted her to let her know this could not be done, so in good faith I applied for the eviction prevention program back in XXXX, I received a message from the department to submit a letter from my landlord requesting the amount., the amount the landlord claimed I owed, was out of this world.. I lived in the apartment for 5 years so everything was normal wear and tear.. they never contacted me to let me know the eviction prevention program never contacted them..., as of XX/XX/2021, their collection agency have reported me to the credit bureau, no one ever contacted me about repaying the debt since the eviction program never issued a check.. I was just informed from calling the eviction program, my application was denied.. no one never contacted me. Had I knew I would have made payments arrangements to prevent this from being reported to my credit report, normally a credit contact you before they precede with referring you to collections.. this company was already mad, well XXXX was already upset that I reported her to the attorneys general office., therefore it was reported without contacting me first.. the XXXX never contacted me so I assume the debt was paid, even though they got over on me with the amount. This situation happened during the pandemic.. I didnt have the money to pay and move., in the process I caught covid and had to quarantine but of course they wouldnt care.. this collection has affected my credit drastically and would like for the debt to be removed, I was affected during the pandemic and didnt have XXXX dollars to pay.. I still fill like that amount was personal. They couldve at least reported affected by a natural disaster because I was,, hours was cut and everything on my job.. so how could I possibly afford to pay then XXXX and move. My moving cost added up to that because she refused to allow me to stay one more year.. when I begged her, her exact words was do you have family or a hotel you can take your kids.. so I was forced out during a pandemic with XXXX small kids.. had I not been forced out, the money I had I couldve paid my rent instead of using it to move..

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 2021-01-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: 2233 Paradise Road LLC
State: TX

Complaint narrative:
Cash Factory USA promised a payment arrangement over the phone that was different from what was emailed to me. 
In XX/XX/XXXX I took out a loan of {$750.00} from Cash Factory. Due to unforseen hardships I got behind in the payments. In XX/XX/XXXX I set up a payment arrangement of $ XXXX. I paid this amount for XXXX and XXXX. On XX/XX/XXXX their system would not allow me to make a payment. I was told my account is now handled by the retention team. On XXXX I spoke with XXXX in the retention team who told me the debt in the amount of {$940.00} could be settled for {$470.00} to be deducted from my debit card on XX/XX/XXXX. I agreed on the condition I would received this settlement agreement in writing. XXXX promised I would receive it. 

The email I received from her only said a payment arrangement of {$470.00} had been set up. It said nothing regarding the debt being a settled in full amount. I emailed Cash Factory USA and asked them to send in writing what was offered over the phone ; which was a settlement arrangement, not pay arrangement and they refused. The letter gives the impression I must make more payments. In my email, I stated I would revoke my payment authorization if this is not corrected. I do not want to pay this amount only to have Cash Factory say I still owe them more money. Promising a settlement amount over the phone, then sending an email which alludes to something entirely different is a deceptive business practice. I need Cash Factory to honor their promise made over the phone and send the correct Settlement arrangement in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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: NY

Complaint narrative:
It has been over 60 days and I haven't gotten a response from these compaines regarding my complaint. They are violating congressional law with their reporting and I am no longer going to suffer for these inaccurate accounts reporting on my credit report. I never opted-in for these companies to obtain my information and to have these accounts reported on my credit report. This is in violation of 15 U.S. Code 6802 section ( a ). There are also collection accounts with debt that I never validated, a couple of which were removed from Transunion and the other two bureaus have yet to consistently report so on their end, this is in violation of the FCRA as well. Please help me get these removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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: FL

Complaint narrative:
the accounts showing in my credit report was not sign or authorities by me and i gave Equifax 30 days to verify and update but no response was given

Company response to consumer: Closed with explanation