vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Checkr, Inc
State: NC

Complaint narrative:
XX/XX/2021 I received an email from XXXX stating you recently authorized XXXX to obtain consumer reports and/or investigative consumer reports about you from Checkr, Inc. , a consumer report agency. A final decision has not been made, however the company is considering taking action in whole or in part based on information in such report ( XXXX ), including the following specific items identified in the report prepared by XXXX, XXXX : LICENSE STATUS : SUSPENDED. Now I never gave my consent for Checkr , Inc to report anything on my behalf. That is a violation of my privacy as well as my well being. Checkr , Inc did not mail me any written notice this would be taking place. Not to mention, Checkr , Inc. did not interview anyone pursuant to 15 USC 1681a ( e ) investigative consumer report. XX/XX/2021 I received another email from XXXX stating, We previously informed you that the consumer reports and/or investigative consumer reports you authorized XXXX ( XXXX XXXX ) to obtain about you contained information that could adversely affect your eligibility for engagement with XXXX  XXXX. After careful consideration, we regret to inform you that XXXX is unable to engage your services ( if you are a new candidate ) or continue to engage your services ( if you are an existing delivery partner ). This decision was based in whole or in part on information contained the consumer reports and/or investigative consumer reports obtained from Checkr, Inc. , XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX , CA XXXX, XXXX. '' The fact Checkr , Inc. reported to XXXX without my consent and inaccurate information, has caused me damages. XXXX fired me. My well being is suffering because Checkr , Inc. decided to provide an inaccurate report without my consent as well as not provide personal interviews with my neighbors, friends, or associates or with other whom I am acquainted with. I never got any notice this would take place. Those are all violations and I am seeking monetary relief. The damages has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This collection account with XXXX XXXX ( XXXX XXXX XXXX XXXX ) is fraudulent and absolutely should not be on my credit report. It has the wrong address and my identity was stolen. I have contacted the FTC and the police about this. This collection must be removed from my credit report immediately.

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 2021-09-19 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: IL

Complaint narrative:
I AM WHO I SAY I AM, I AM NOT AN ATTORNEY. I AM NOT A CREDIT REPAIR AGENCY. I AM A VICTIM OF IDENTITY THEFT. I AM A CONSUMER AND I NOW KNOW MY RIGHTS. 12 U.S.C. 5511 ( c ) ( 2 ) I received a letter from Equifax on 9/18/21 dated 9/8/21?!? Thats a ten day difference I'm pretty sure they are back dating their letters! ILLEGAL. In the letter Equifax stated and I quote " For Equifax to block information under Section 605B on the Fair Credit Reporting Act, you need to provide proof of your identity, the specific information that is the result of identity theft, and a copy of your complete and submitted Identity Theft Report '' I sent you Equifax my Driver 's License, a copy of my Social Security Card, my utility bill displaying my current address ( that you sent your letter to ), a NOTARIZED letter stating the unauthorized fraudulent accounts, and I identified every account that was a result of identity theft in my completed and submitted Identity Theft Report from the Federal Trade Commission. You are violating me and I have already been through enough. How dare you conspire with these companies against me, THE FEDERALLY PROTECTED CONSUMER!?!? Who gave you authorization to report these fraudulent accounts anyway!? I SURE DID NOT!!!! Block this fraudulent information off of my consumer report to cause no more harm, injury and suffering to me and my family.

Equifax is a RESELLER WITH FILE 15 USC 1681c-2 ( d ) ( 2 ) Reseller with file The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ), identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 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: MD

Complaint narrative:
I the consumer XXXX XXXX, not a third party at all. Noticed after challenging an alleged debt proving to be inaccurate that debt was removed and then added back without any notice.

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 2021-09-19 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: MD

Complaint narrative:
I the consumer XXXX XXXX, not a third party at all. Noticed after challenging an alleged debt proving to be inaccurate that debt was removed and then added back without any notice.

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 2021-09-19 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: Windham Equity Company
State: MA

Complaint narrative:
The company is lease and rental they have reported on all 3 credit bureaus inaccurate and incomplete information each time with no loan amount listed, inaccurate payment history, no monthly payment listed and they always make sure to add 30/60/90 days late listed on all of them they have reported three times on each credit bureau every time I dispute they change remarks or just add more inaccurate information yes I did default on the car one time but previous to that the first loan was paid and then the second one was refinanced this company work side by side with my job an auto sales company in which they are just bitter and mad that I defaulted during rough times they no longer finance our vehicles and it is because of my situation with them they are reporting false information to get back at me basically I would like to move past this to repair my credit but they wont report accurately and I wish for them to be removed from all three credit institutions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 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: MD

Complaint narrative:
I the consumer XXXX XXXX, not a third party at all. Noticed after challenging an alleged debt proving to be inaccurate that debt was removed and then added back without any notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The following closed student loan accounts are all over a decade old yet keeps reappearing on my credit report. According to the FTC, they must be removed as they are too old to be on file. Remove these from my XXXX credit report immediately. 



U S DEPT OF ED/XXXX/XXXX  Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX/XXXX  Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX/XXXX  Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX/XXXX Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX/XXXX  Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX/XXXX  Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX/XXXX  Date Opened XX/XX/XXXX XX/XX/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 2021-09-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: MO

Complaint narrative:
My complaint is about the final bill from XXXX XXXX. XXXX did not provide the service that I was charged for and the claim should be 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 2021-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021 addresses has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting incorrect is XXXX XXXX XXXX XXXX XXXX FL XXXX ,XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ,XXXX  XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ,XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ,XXXX  XXXX XXXX FL XXXX. these addresses are undeliverable by the US Postal Service AND SHOULD BE DELETED/REMOVED IMMEDIATLEY. 
to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of addresses that are reporting are not deliverable by us postal service and has not been approved by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it. 
EQUIFAX, XXXX  AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
XXXX XXXX XXXX, XXXX is trying to collect on a debt that was the result of identity theft but they are the type of service that would try to collect on a debt even if they know the truth about the debt.This XXXX XXXX XXXX, XXXX is in violation of the federal fair debt protection act 15 U.S.C. 1692.

The company that sent this account to you was sent may letters telling them that this account was opened through the result of identity theft.

This debt is not owned by anyone in this household.

Also XXXX  XXXX  XXXX  was told that the account was the result of identity theft. 
I would like to know why is XXXX XXXX XXXX, XXXX trying to collect on a debt that is the result of identity theft? 
Reference number # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants Financial Guardian, Inc.
State: CA

Complaint narrative:
Initial Supposed debt : {$39000.00} XXXX  Have received 10 letters from the collection company, some are date almost a year later after our responses ( I have always responded to their letters requesting confirmation of debt, never have had them confirm the supposed debt )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I purchased a service which I never received due to the sellers fraudulent actions. I would like a refund ; if I can take this any farther Im willing to. 

Screenshots will be attached below this message.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
This relates to an XXXX XXXX card. I called in and spoke with a customer service representative to payoff the balance on my credit card. He paid the balance in full. I thought that the balance would be XXXX and the last statement I received would reflect a XXXX balance. I received a statement but didn't open it as I had paid the balance in full. I later opened the statement and it showed a minimum interest fee of {$2.00} owing. I called XXXX to determine why this would be, while going through the queues I was informed my account was in collections. The representative told me the {$2.00} balance was interest owing ( even though the statement shows a fee charged of {$2.00} for a minimum interest charge ). She indicated the balance is now {$14.00}. I asked what for and she indicated fees and interest. I asked her interest on what and she said the balance ( which is fees and interest and to my knowledge you can't charge interest on fees or capitalize on current interest ). I told her they can't charge interest on fees and she indicated that yes, they could. I asked to speak with her manager. After she spoke with her manager, she came back on the line and told me they would waive the interest this time. They indicated the account would reflect a XXXX balance and I asked them to close the account. I am concerned about this having reflected negatively on my credit report. I also am concerned that they are operating with deceptive practices. When someone calls to pay off the balance on their credit card, they should expect that the full balance and interest to that date will be paid. They should not continue to be charged a minimum interest charge fee or be charged interest on interest and fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 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: NY

Complaint narrative:
On XX/XX/2021 I mailed via USPS tracking a letter addressing my concern on a XXXX XXXX  account # XXXX of what was reporting on my credit file. It was received by Equifax on XX/XX/2021 I failed to get any response I once again mailed out a letter letting Equifax know that it was reporting questionable data and yet they ignored my initial letter and my second letter as well. At this point after never responding and doing a proper investigation the derogatory listing needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Spring Oaks Capital, LLC
State: VA

Complaint narrative:
XXXX ( XXXX  ) XXXX Springs Oaks Capital Purchased The Debt I Have Submitted A Request To Validate The Debt Showing My Signature on a contract with springs oaks capital I have not received any documentation with my signature on a contract with this company or the company ( XXXX XXXX ) I have filed a dispute with all 3 credit bureau they have not verified the debt I do not consent to XXXX XXXX or any form of automated verification it is damaging my credit report and I demand to see a contract with ( Spring Oaks Capital ) with my signature on it I have contacted this company through mail and filed a dispute they have responded and said they were currently not reporting any account on my credit profile I am sending proof that this is a Lie and also sending proof that they are in fact reporting this account on my credit profile with out providing the proof which is a signature contract with XXXX  ( XXXX  ) or ( Spring Oaks Capital ) they are re aging the account which is also a VIOLATION of my Rights I am going to take legal action if this is not corrected in a timely manner XXXX has removed the account and spring oaks capital has added the account back with out sending me valid proof that the account is accurate. and in order to add it back on my credit profile they have to notify me within ( 5 Days ) this account needs to be removed please be aware that depending upon your response. Failure to validate this debt with the accurate information may result in a small claims action against your company seeking {$1000.00} per violation for : 1. Defamation 2.violations of the fair credit reporting act. I may be detailing any potential issues with your company via An online public press, including documentation of any potential small claims action CC : Consumer financial protection bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX this will be my final time trying to get this account removed failure to do so I will take legal action every document that is attached is proof that this company are lying and are violating my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was approved for a Secured Credit Card through Capital One, it said I could add funds onto it by XX/XX/XXXX. I only added {$100.00}, and was going to add more the first week of XXXX. I received the card on XX/XX/2021 and I activated it. I called Capital one and spoke to a rude so called " manager '' and she said I could not add any more funds to it because I activated it!! I never received any documentation showing that if I activated it I could no longer add funds by XX/XX/2021. This is total misrepresentation of the card and I want to add more funds on it around XX/XX/2021. 
They can not continue to mis lead consumers in this manner!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 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: FL

Complaint narrative:
On XX/XX/XXXX inquiries has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting is XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX .. to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of inquiries that are reporting has not been approved by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused inquiries accounts and dates FOLLOW AS : XXXX XXXX inquired on XX/XX/XXXX, XXXX XXXX inquired on XX/XX/XXXX, XXXX XXXX OF inquired on XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX, XXXX XXXX inquired on XX/XX/XXXX, XXXX XXXX XXXX inquired on XXXX XXXX XXXX, XXXX XXXX inquired on XX/XX/XXXX, XXXX XXXX inquired on XX/XX/XXXX, XXXX inquired on XX/XX/XXXX, XXXX inquired on XX/XX/XXXX ... BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, XXXX AND EQUIFAX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt

Company response to consumer: Closed with explanation