vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: NV

Complaint narrative:
On XX/XX/2022 I, XXXX XXXX, a natural person have become aware of negative activity that was placed onto my consumer report by Phoenix Financial Service a third party debt collection company. 
Pursuant under 15 U.S. Code 1681b- Permissible purposes of consumer reports, I, XXXX XXXX NEVER granted Phoenix Financial Service permission to report any information onto my consumer report. 
I sent a letter ( see attachments ) via certified mail with tracking number XXXX to Phoenix Financial Service to let them know that I was aware of the reporting. 
This alleged debt was furnished onto my ( XXXX XXXX ) consumer report as medical information. This report has undermined my right to privacy under 15 USC 1681 ( a ) ( 4 ).

Phoenix Financial Service has since deleted the alleged debt from my consumer report by which admitting to willingly and knowingly breaking the law pursuant to 15 USC 1611. 
In the letter I ( XXXX XXXX ) sent to Phoenix Financial Service, I listed my remedy as well as attached an invoice for {$3000.00} for violating my rights pursuant to 15 US Code 1692k.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
XX/XX/2021 I was charged {$800.00} from a company calledXX/XX/XXXX, for a service That was never delivered I contacted the Company and they statedXX/XX/XXXX me, I told them I paid for the service please deliver it, after many days that I waited I realized I got scam and my credit and personal information had been compromise I reached out to Capital One, and explained the situation just to get a letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My problem is with Experian Credit reporting company. I reached out to them on many occasions, but was finally able to speak to someone on XX/XX/2022 to find out why they have my credit score as XXXX while at the same time every other credit reporting company, ( ie : XXXX, XXXX, XXXX XXXX, and XXXX XXXX to name a few ) have my XXXXredit score in the XXXX range. Besides the fact that it is EXTREMELY difficult to navigate there automated prompting system to actually speak to someone, when I eventually got through to a representative, they were totally unwilling to correct the obvious flaws in their report such as limited credit cards, credit limits, unpaid debts, and available credit. All signifcant factors when determining an individual 's TRUE credit score. They seemed MUCH more interested in selling one of their products ie : Experian Boost. This reprehensible behavior in my opinion is nothing short of extortion!! Please help me and other susceptible consumers from this company and their unethical practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 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: CA

Complaint narrative:
I have been harassed by this XXXX, The names, not my name, the address is not mine and doesn't even exist, XXXX it, XXXX, CA... never lived in XXXX and the address is not an address for commercial or residential, a bill they sent me this month from 7 years ago after saying that I was 30ddays late 6 times on a loan that's not even in my name and not even with my signature, then they remove the 6 -30 days late and say I owe them over {$2500.00} six years later, and place this on my Equifax report when it's not been a XXXX on my Equifax in the past 6 years, all the sudden this shows up on my report. 

https : XXXX? usp=sharing

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: SC

Complaint narrative:
XXXX, Jefferson Capital. First things first it is illegal to try an collect a debt for the original credit as the original credtor is reporting on my report. Two companies can not collect on one debt at the same time. Second I have mailed Jefferson Capital a refuse to pay and cease all communication with me. Third your document is in violation of the Fiar Debt Collection Practicies Act and the Fair Credit Reporting Act. I have attached the document you sent. Each violation is a thousand dollars. 15 U.S code 1692k Civil Liability Document Attached!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
The Chase branch in XXXX XXXX, NC ( XXXX XXXX ) would not accept a cash advance from a legitimate card that collects wages for me from clinical trial participation when I presented it along with my ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I have spoken with several representatives regards these matter and stated made changes. All charges removed were reapplied in a manner that is confusing. No one can explain. These charges were removed XXXX and last reapplied XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Regarding buy out of a lease. I just received a charge of {$100.00} after a full pay out by XXXX XXXX XXXX XXXX XXXX was done back on XX/XX/2021. I talked to them too and they said they paid in full on XX/XX/2021. I was told by Chrysler Capital that it was a property tax bill from my state. Which state I don't know since the XXXX Account Number : XXXX was leased in Wisconsin but I moved to Texas and bought it out in Texas. I was told that Wisconsin and Texas do not have property tax on vehicles. If it was from the XXXX of Texas, Chrysler Capital should have known what the tax should have been at the pay out time. I also don't understand why I have such a bill so many months after my pay out back in XXXX. I did ask Chrysler Capital for the bill from the State but have not heard back from them. I don't understand why someone can bill you after a pay out has been made. Please check into this for me. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 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: TX

Complaint narrative:
I need 2 previous address removed that i never lived at

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
since i changed my number, i keep getting calls from portfolio recovery despite the fact that i am underage and not in debt. i keep blocking every number they call me from but they keep calling me over and over again. they wont stop and i am tired for getting over 30 notifications of them trying to call me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
i have called equfiax company time and time again and my credit report and score will not show up no where and i called they keep saying there is nothing wrong with it i asked them to put in a tech support ticket and they will not listen and do it. XXXX can not pull up my report either they keep telling me to call equifax and nothing is being done about this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
My pii has been leaked and merged with someone else 's and my records have been altered. Identity theft and identity fraud is occurring

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 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: MI

Complaint narrative:
Last Saturday, XX/XX/22 I logged in to see my credit score with Equifax and noticed that they dropped my credit score by XXXX points because I paid off my mortgage in XXXX! Not only did they do this, but they removed other paid off loans that should have stayed on my report, I was 100 % on time with my payments, but that all got wiped out!! Im in my XXXX and recently widowed, I was married for many years and my husband and I took out many loans which were paid off before they were due! I filed a previous complaint, but all they did was avoid the problems listed and didnt answer any questions as to why! In fact, they put the exact same response as XXXX did! So, Ill number the items that need to be addressed and I want a direct response to them, not a lot of skirting around the issue! 

1 ) I want my score brought back up, immediately to where it was!

2 ) I want paid loans that you removed put back on my report that you had no business removing because it shows my credit history! The less it shows, the worse the score, obviously!

3 ) I want my credit history to go back to what it was, you are lying to people that view my credit history when it says only 5 months! Youre slandering me!

4 ) One of your representatives told me that I have credit card opportunities so I should get some credit cards to rebuild my credit! This tells me that you are in cahoots with credit card companies and are pushing people into debt further! I am filing complaints with other government agencies because there needs to be an all out investigation done with all of the credit bureaus. I am also filing complaints because I am XXXX and a widow, I am being discriminated against.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 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: AL

Complaint narrative:
as of receiving my credit report I noticed things I did not do and places I have not lived. Unauthorized activity I would like them permanently deleted from my credit. There are wrong addresses of places I have not lived and different spellings of my name and accounts I did not create nor authorize. Wrong Addresses include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX Highway XXXX XXXX, AL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX, XXXX XXXX XXXX XXXX XXXX LOT XXXX XXXX, AL XXXX. Wrong XXXX of my name include : XXXX XXXX XXXX XXXX XXXX rental car, balance {$560.00} XXXX XXXX which I have never rented a car. Car Loan Not by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Medical Bill Not by me : XXXX XXXX Physician XXXX, Balance {$280.00} XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-29 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: AL

Complaint narrative:
as of receiving my credit report I noticed things I did not do and places I have not lived. Unauthorized activity I would like them permanently deleted from my credit. There are wrong addresses of places I have not lived and different spellings of my name and accounts I did not create nor authorize. Wrong Addresses include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, AL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX. Wrong spellings of my name include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, balance {$560.00} XXXX XXXX which I have never rented a car. Car Loan Not by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Medical Bill Not by me : XXXX XXXX Physician XXXX, Balance {$280.00} XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
on XX/XX/2022, in response to a computer ad, sent {$100.00} by paypal as deposit for delivery of a puppy..was to be delivered the following day with cash on delivery ... not delivered ... numerous calls during the day asking for more money to be sent by Paypal ... Paypal transaction ID XXXX ... to XXXX XXXX... we did not pay any more and no delivery..they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This complaint is regarding the XXXX XXXX XXXX Account number XXXX opened XX/XX/XXXX is factually incorrect. 

The vehicle regarding this auto loan was repossessed XXXX of XXXX and resold at an auction leaving a deficiency balance. The account that you are reporting is identified as a repossession. Yet you continue to report late payments. Since the vehicle is no longer in my possession, it would be impossible for me to default on the payments after the fact. I have the right to an accurate credit file. And discrepancies like this are unacceptable. So please immediately remove this account and its entirety from my credit file. 
A monthly should not exist after a repossession has occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 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: TX

Complaint narrative:
I have tried to have this company Discover to remove this off my report. once i paid my bablance off they would remove this from my credit report. and it is still here reporting charged off but i paid the full balance off. can you please just remove the whole thing off my credit please

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 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: Spring Oaks Capital, LLC
State: VA

Complaint narrative:
The credit reporting agency allowed the same company to be listed as a charge off on my report and a collection under two different names but they are the same XXXX XXXX also known as XXXX XXXX XXXX XXXX put a charge off on my report in XXXX but did not issuse a 1099 from the IRS. On XX/XX/XXXX nearly eight years later the same company reissues a collection account brand new on my report. Spring Oaks Capital opened and old charged off account nearly eight years old as a new collection. The collection agency claims this fraud is allowed for the same company to continue open old accounts as new causing great economic harm to my family. Spring Oaks Collecton knowingly and fraudulently opened an eight year charged off account as new, this is not legal. I have filed numerous disputes with the agencies biut to na avail. Spring Oaks Capital are fraudulently opening up new collection accounts under a different name. XXXX XXXX XXXX XXXX XXXX are the same compnay. This company is trying to apply double jepoardy by destroying my report and using criminal fraudulent tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
Commenity Bank opened up three credit cards dating back to XXXX, XXXX. I never applied for this card, not did I ever receive it. Another account was open in XX/XX/XXXX. I did apply for that card. The third card was open in XX/XX/XXXX and I did not request that card. I already had a XXXX XXXX card, but was having trouble using it. So they went ahead and opened up a new account I didn't authorize. Currently, I have two active cards, but the one from XXXX was done without my knowledge. Commenting Bank also opened up another card, without my knowledge for the store XXXX. They are using internal data to open up cards without my knowledge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-29 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: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I recently obtained my EXPERIAN CREDIT report and noticed that they are reporting inaccurate Information in the personal Information section. To protect me from possible fraud and to diminish speculation, below is my accurate Personal Information : NAME : THIS IS MY LEGAL NAME : XXXX XXXX XXXX. 
EXPERIAN needs to delete any other references to Names, as they are not mine and I have never used any of them. 
ADDRESS : EXPERIAN has to make sure that my Address is listed correctly. My address should read : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Hawaii XXXX EXPERIAN needs to remove any other Address and Name Information they are currently reporting, as they are not accurate and could lead to possible Indentity theft and/or fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: FL

Complaint narrative:
Enhanced Recovery Company put a collection on my credit report preventing me from getting access to credit.

Enhanced Recovery Company placed a collection of {$170.00} with no payment history on my credit report XX/XX/2019. 

Enhanced Recovery Company ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: U.S. BANCORP
State: LA

Complaint narrative:
I been trying to use my us bank reliacard for unemployment i been trying to set up and load for 2 days. We are totally broke and will be till fri which is 6 days away I tried sending transfer over phone, atm app deposit, filing for benefits

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 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: GA

Complaint narrative:
Due to the the pandemic, i wasnt able to work because i contracted XXXX. Called my creditor and advised them of the situation. Creditor adivesed me that i was going to be place on a deferral from XXXX to XXXX when i viewed my online banking and credit report i seen that i was past due in XXXX, but the rep told me my payment wasnt due until XX/XX/2021 advised creditor, failed to investigate the matter and this gave affect my refit score

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Due to the the pandemic, i wasnt able to work because i contracted COVID. Called my creditor and advised them of the situation. Creditor adivesed me that i was going to be place on a deferral from XXXX to XXXX when i viewed my online banking and credit report i seen that i was past due in XXXX, but the rep told me my payment wasnt due until XX/XX/2021 advised creditor, failed to investigate the matter and this gave affect my refit score

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