vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-24 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, 15 U.S.C 1681 section 602 A. States that I have the right to privacy 15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crime which antedates the report by more than 7 years. 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-24 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XXXX was notified of disputes of accounts ending XXXX & XXXX and never resolved the issues. Accounts need to be deleted as in contains inaccurate/fraudulent information for which XXXX has been made aware of over 30 days ago per Credit reporting agencies claim with my disputes with XXXX, Experian, XXXX. Regardless of my efforts to try to resolve the disputes with XXXX as I advised XXXX that these are Fraudulent accounts XXXX continues to ignore my request and to report this on my credit which is causing me a great deal of damages to say the least. XXXX is being negligent in follow consumer laws and FCRA laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: VA

Complaint narrative:
On XX/XX/2022 I received the following text ; " Please contact MRS Assoc. at ( XXXX ) XXXX regarding a matter for XXXX. MRS is a debt collector. If you want to opt out of future text messages reply with STOP. Visit us at : XXXX XXXX XXXX  '' There is no indication what XXXX  company is involved, nor is there any information provided to indicate the account belongs to me. The debt is not mine.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. PORTFOLIO XXXX XXXX, XXXX XXXX XXXX, PORTFOLIO XXXX XXXX, XXXX XXXX XXXX, XXXX U.S.C XXXX section XXXX A. States that I have the right to privacy XXXX XXXX XXXX Section XXXX A section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX. ( a ) ( XXXX ) section states : no consumer reporting agency XXXX make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crime which antedates the report by more than 7 years. XXXX U.S.C XXXX ( a ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Data and Contact Management Solutions, LLC
State: MA

Complaint narrative:
This lowlife disgusting company trolls probate court records and then mails out fraudulent canned solicitation letters to the Estate Executors in an attempt to collect non-existent debt. There are hundreds of similar complaints against them on the XXXX XXXX  website and online. The falsely claim the deceased owe a debt and then try and shake down the bereaved. I also received one such scam letter. This company is disgusting and the lowest of the low and must be stopped and put out of the public 's misery. 

https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
In XXXX I got a credit card and making my monthly payments on time, but in XX/XX/XXXX, because of the COVID-19 pandemic, I lost my job. I was XXXX XXXX XXXX XXXX XXXX prior to the pandemic but I couldn't go to work because my clients were old and were scared to catch this new disease. I contacted the bank to arrange the payments, but they did not agree to help me. 7 months ago, my husband was diagnosed with XXXX, and he has not been working since then. The bank sold my debt to a law firm and they want to send me to court in XX/XX/XXXX. I want to pay my debt, but I only can make little payments because my financial situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: BANKERS HEALTHCARE GROUP LLC
State: NY

Complaint narrative:
I am an XXXX on XXXX XXXX... XXXX XXXX I was looking for a Home Equity loan to do some home improvement work. Was approached by this company XXXX BHG - Bankers Healthcare Group ) at work who said they could get hospital employees special loans with low interest and fees. Never really read the paperwork and didn't put two and two together that loans were in my name as a XXXX. Applied and was given a loan - made payments with no problems until XXXX when, as a nurse I got XXXX and was hit hard. Now XXXX  from long XXXX and only just went back to work full time, but have significant other debt from being out and sick. When I called BHG in XXXX to get them to work with me, they were totally nasty and un-accomodating. I had to prioritize bills and pay my mortgage to keep my house first and foremost. After trying for 6 months, they stopped taking my calls. I was dealing with increased health issues and forgot about it. 2 months ago in XX/XX/XXXX, I received notice from some upstate court in XXXX XXXX, that they won a lawsuit against me and were going to garnishee my paycheck going forward. I can't afford for this to happen, I will lose my home. And I was never served at all with court papers, and don't understand how they had standing in a far XXXX XXXX when I live on XXXX XXXX in XXXX XXXX, NY. I was told by a law firm since then, that there is already a sheriffs order to garnishee my check and because they won in court, I have no recourse despite never getting notice of any lawsuit. Any advice or direction you can give me is greatly appreciated. It seems there are several class action lawsuits against them for predatory lending, excessive fees and interest and using XXXX before all names on their loans to avoid NY State lending laws that require more upfront disclosures than they get away with using DBAs and classifying these as business loans. I am not a business or XXXX but a XXXX employee. Help! Please!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-24 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:
id theft victim XXXX XXXX XXXX Account info Account number XXXX Date opened XX/XX/2021 {$31000.00} Amount Not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
After filing a complaint they closed my account without my permission and didnt say why they closed it. Also they reported closed on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
XX/XX/2022 I received a text thanking me for signing up for their XXXX  texts and I have no idea who they are and never signed up for anything. They also apparently emailed me a whole bunch was in my spam folder but again never gave them my contact info.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
On XXXX the XXXX I wrote a letter to Radius Global Solutions about account XXXX, sending the certified letter on XX/XX/XXXX demanding/requesting proof of the alleged debt that they have been reporting on my credit report. On XX/XX/XXXX I received a letter and non of my requested demands were on the letter that I received. On the letter it states that they no longer have the account, but Radius is reporting the debt on my credit report for some time now. Since they failed to provided proof of the alleged debt that they were reporting and failed to comply with my written demands I am requesting that the CFPB investigate this matter. Why? I have enclosed with this complaint the letter I sent Radius Global Solutions requesting proof of the alleged debt. Radius Global Solutions has been bouncing this account back to XXXX XXXX XXXX.I have been receiving letters from Radius Global Solutions about the debt this year. When reaching XXXX XXXX  XXXX for more Information. They state Radius is the owner of the account. I am requesting that this alleged debt be removed from my credit report immediately and indefinitely off my credit report for failure to comply with the written demands. No validation or verification was given. I requested specific information and non was given.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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: CA

Complaint narrative:
Letters were sent on XXXX and on XX/XX/24 disputing several items on my credit report accounts and inquiries. I have not heard back from any of the credit bureaus regarding the dispute process. Transunion did send a letter stalling the process basically congratulating me on taking steps on repairing my 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 2022-10-24 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe  XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter  PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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: TX

Complaint narrative:
My credit profile was disputed back on XX/XX/22, and Transunion received certified documentation of this complaint on XX/XX/22. The dispute was in reference to three separate fraudulent inquires that had been made on my credit profile without my consent. Within the dispute letter it detailed that according to 15 U.S. Code 1681c2 - Block of information resulting from identity theft, the fraudulent entries were causing me personal and financial harm and that I would like for them to be removed immediately. After speaking to a supervisor, he informed me that the FTC supporting documentation I submitted was in it's incorrect form, and that he would need documentation specifically from the FTC to process my dispute. This isn't proper protocol according to the FDCPA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against XXXX XXXX  for committing identity theft. On XX/XX/2022 I checked my credit and seen that an account reporting that I never opened or authorized. I have never given XXXX XXXX  ANY permission to use any of my identifying information to commit fraud. Until XXXX XXXX  can provide me with sufficient documentary evidence, such as a trilateral contract remove this fraudulent open account from my credit file, if this documentary evidence can not be produced and XXXX XXXX continues to report this unauthorized account. I will file for litigation for actual damages caused and XXXX XXXX  will be held criminally liable for aggravated identity theft pursuant XXXX XXXX XXXX XXXX extortion, theft by deception and securities fraud. XXXX XXXX is also reporting an unknown address on my credit file attached to this account that I have informed the credit agencies that does not belong to me and that I have never lived at, and was told that XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX was attached to this said XXXX XXXX  account and XXXX customer service agent told me that it can't be removed. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant XXXX XXXX. Your prompt attention and response are both requested and required. Account # 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 2022-10-24 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: GA

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against XXXX XXXX  for committing identity theft. On XX/XX/2022 I checked my credit and seen that an account reporting that I never opened or authorized. I have never given XXXX XXXX  ANY permission to use any of my identifying information to commit fraud. Until XXXX XXXX can provide me with sufficient documentary evidence, such as a trilateral contract remove this fraudulent open account from my credit file, if this documentary evidence can not be produced and XXXX XXXX  continues to report this unauthorized account. I will file for litigation for actual damages caused and XXXX XXXX  will be held criminally liable for aggravated identity theft pursuant XXXX XXXX XXXX XXXX extortion, theft by deception and securities fraud. XXXX XXXX is also reporting an unknown address on my credit file attached to this account that I have informed the credit agencies that does not belong to me and that I have never lived at, and was told that XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX was attached to this said XXXX XXXX  account and Experian customer service agent told me that it can't be removed. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant XXXX XXXX. Your prompt attention and response are both requested and required. Account # 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 2022-10-24 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: GA

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against XXXX XXXX  for committing identity theft. On XX/XX/2022 I checked my credit and seen that an account reporting that I never opened or authorized. I have never given XXXX XXXX  ANY permission to use any of my identifying information to commit fraud. Until XXXX XXXX  can provide me with sufficient documentary evidence, such as a trilateral contract remove this fraudulent open account from my credit file, if this documentary evidence can not be produced and XXXX XXXX continues to report this unauthorized account. I will file for litigation for actual damages caused and XXXX XXXX will be held criminally liable for aggravated identity theft pursuant XXXX XXXX XXXX XXXX extortion, theft by deception and securities fraud. XXXX XXXX  is also reporting an unknown address on my credit file attached to this account that I have informed the credit agencies that does not belong to me and that I have never lived at, and was told that XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX was attached to this said XXXX XXXX  account and customer service agent told me that it can't be removed. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant XXXX XXXX. Your prompt attention and response are both requested and required. Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/22, the XXXX XXXX Amex card had its {$300.00} annual XXXX purchase credit structure changed from {$300.00} issued as a statement credit against XXXX purchases made annually on the card to a new structure of $ XXXX credited against dining purchases. 

ON XX/XX/22, I called Amex 's customer service to inquire about my remaining annual balance before it expired. While I was told the remainder was {$260.00} or so, I was also told by the rep that all unused credit would be issued out to customers as a statement credit so that customers would not feel wronged or angry with the new transition. With this information, I took no action to make a XXXX purchase to use my credit before it expired. 

On XX/XX/22, I called Amex 's customer service to ask about the statement credit promised as there had been no activity on the account. Unfortunately, while the XXXX told me about the new dining credit structure and confirmed I only used about {$34.00} of the old credit, I was given wrong information and that there would be no statement credit forthcoming. 

I then expressed my dissatisfaction and frustration borne of not using my credit based on the information that the XXXX gave me on XXXX. Accordingly, she opened case XXXX with Amex and XXXX am doing the same with CFPB. 

I was given false/misleading information about the XXXX annual credit benefit that expired and because of this, I was unable to take advantage of it. I was and am expecting the remaining {$260.00} or so as a statement credit on my XXXX card as promised.

Company response to consumer: Closed with monetary relief