vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-28 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: TN

Complaint narrative:
XXXX XXXX sent XXXX too collections with Enhanced Recovery Co- the account was opened up fraudulently

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
My capitol One master card appears twice on my XXXX credit report. The last four of the card are XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: CA

Complaint narrative:
Theres inaccurate information in the bankruptcy files by Lexis , Nexis and XXXX XXXX both companies I have called and tried to dispute online and I have not been able to The name XXXX XXXX XXXX not belonging to me XXXX XXXX or my wife XXXX XXXX. it is in accurate reporting so I want the file removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a43.ok open end consumer credit plan as late for ar purpose.

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 2023-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: United Accounts, Inc.
State: NH

Complaint narrative:
I am writing to file a formal complaint against United Accounts , Inc. and XXXX XXXX. Lies for their inappropriate and potentially unlawful behavior related to the collection of an alleged debt. I believe their actions are in violation of the Fair Debt Collection Practices Act ( FDCPA ) and warrant investigation by your office. 

United Accounts , Inc. has engaged in false, deceptive, and misleading representations in connection with the collection of an alleged debt. Despite my repeated attempts to inform the agency that their claims are inaccurate, they have persisted in their unlawful collection efforts, and have threatened to use law enforcement against me if I continued to attempt to dispute the alleged debt. 

In a particularly concerning development, I received a text message from the phone number of XXXX XXXX. Lies, who is currently employed as a sheriff in XXXX XXXX. To my knowledge no party previously involved lives or operates in XXXX XXXX. In the message, the sheriff instructed me to contact the local police regarding the alleged debt, in a manner that suggested he was a XXXX police officer looking into the matter. I believe this communication was intended to intimidate and coerce me into paying the debt, despite my objections to its validity. 

The involvement of a currently employed law enforcement officer in the collection of an alleged debt, particularly when employing false or misleading representations, is deeply troubling and, I believe, in violation of the FDCPA. I respectfully request that your office investigate this matter and take appropriate action to address the misconduct of both United Accounts , Inc. and XXXX XXXX. Lies. 

The amount United Accounts Inc. is attempting to collect is {$110.00} text in question took place today XXXX Thank you for your attention to this matter, and I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: MD

Complaint narrative:
My XXXX Credit Card shows twicw on my Equifax credt report. It shows for XXXX, XXXX and for XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Collecting debts without a reasonable basis, Closed accounts XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX XXXX XXXX Closed on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX Closed on XX/XX/XXXX Threatening or filing collection lawsuits without an intent to prove the debt, Violation of the Fair Debt Collection Practices Act and the Consumer Financial Protection Act, including : Making representations about unsubstantiated debts Threatening consumers with potential legal actions and initiating debt collection lawsuits without offering or possessing required documentation 15 U.S. Code 45 15USC 1681b ( a ) ( 1 ) ( 2 ) 15 USC 1681a ( 2 ) ( b ) 15 USC 1681e ( b ) 15 U.S.C. 1692g

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 2023-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear TransUnion, I obtained my credit report through a recent request to your company. There were U. S. Bankruptcy Court items listed on my credit reports. Per theFCRA 623 ( a ) ( 5 ) : " If a credit reporting agency cannotVALIDATEthe information with the U.S.court system, they must remove said information from the consumer credit file '' The Bankruptcy Court has mailed me a letter that emphatically stated they doNOTprovide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. Public records information isNEVERvalidated by the U. S. Court system due to the Fair Credit Reporting AgencyPRIVACY LAW.

My inquiry to the U. S. Bankruptcy Courts confirmed TransUnion has never validated or verified this public record entry on my credit report. They further stated while they are NOT liable or responsible for anyMISUSE or INCORRECTpublic records. Considering the information indicating & Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to bePERMANENTLY DELETEDfrom 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 non-monetary relief
Consumer complaint received 2023-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX - XX/XX/XXXX ( I do have a credit card with them that was opened on XX/XX/XXXX ) XXXX  XXXX - XX/XX/XXXX - ( XXXX  XXXX has confirmed this is Fraud - This is not attached to my credit card opened on XX/XX/XXXX ) XXXX XXXX - XX/XX/XXXX - This company has confirmed this is a fraud account - but has yet to remove the inquiry.

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 2023-04-28 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX - XX/XX/XXXX ( I do have a credit card with them that was opened on XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX - ( XXXX XXXX has confirmed this is Fraud - This is not attached to my credit card opened on XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX - This company has confirmed this is a fraud account - but has yet to remove the inquiry.

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 2023-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
The account listed by the collection agencies do not list what it is for. I have attached from there website if this is not handled properly and a timely manner, it must be deleted from all credit bureaus immediately. They have had the account since XX/XX/22 and nothing is showing up and Ive not been given the correct information in 10 months, For this reason it must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I used PayPal to make installments to an organization throughout XX/XX/2023 for a retreat that was supposed to take place the final weekend of XX/XX/2023. On XX/XX/2023 the organization notified me that they were canceling the retreat and refunding all payments made for the retreat costs. I tracked the refunds and after I received only two emails confirming refunds, out of the four payments that I had made and on the fifth business day ( XX/XX/2023 ) I only received one refund ; I called PayPal to inquire where was the other refund that I had received a notice about and where was the notice for the other two payments. The representative that I spoke with repeatedly claimed that all refunds were pending and would be issued by end of business that day. Not only did this not happen, but I only received a notice for only one more refund and two of the three remaining refunds were not processed until XX/XX/2023. It has now been two weeks since the organization initiated the refunds and I still have not received the final refund. This is in spite of the representatives claims and outside of the terms according to PayPal. The funds were processed from my checking account so it is not an issue of refunding back to a source that could take up to 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act these companies have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I have a right to privacy.

15 USC 1681 section 602A states I have the right to privacy.

15 USC Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: CA

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy Equifax XXXX has told me several times they would delete the inquiries on my account theat were done fraudulently and they have failed to follow through more than 6 times. 
According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
I do not owe this debt never applied for service through company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Alleged Account With XXXX ( Alleged Account XXXX XXXX ) Needs To Be Removed From My Credit Report As We Received A Loan Verification Letter From XXXX Stating That Loan Status Is Paid In Full. Letter Will Be Attached To This Complaint. Experian Needs To Remove This 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 2023-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To whom it may concern, My wife had a dental procedure done almost seven years ago. Due to the cost of the procedure, she was asked to open a credit account with XXXX XXXX. She opened the account and included my name in it since we had joint accounts at that time. I was not present during the appointment and was not informed that she opened the account at that time. I have contacted XXXX XXXXk several times regarding the issue since the account is not mine, however they informed me that since my name is on the account, I am involved. The service that was received was not for me and I was unaware of the account when it was opened. I have also contacted the credit reporting agencies to discuss this issue, as it is affecting my credit. My wife and I no longer have joint accounts and she is responsible for paying for this loan. I have not been able to get this issue resolved and I would like to see how it can be rectified.

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 2023-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I applied on my first Amex platinum card with a sign up bonus of XXXX. Got excited and was approved. I called them multiple times that if bonus of XXXX was true. Representatives confirmed it and i am eligible. Despite heavy annual fee and a spend of XXXX requirement bonus, i obliged to meet it after 3 months. I followed up with them and told me without a notice that i am not eligible for the bonus. 
I am devastated, i work hard for this bonus. I spend tons of money plus the heavy annual fee. I could have used my money and time with other cards if i wasnt eligible. I know for the fact that its my first time with the card to earn the bonus. Amex didnt even bother to email me after the escalation. 
I beleive i deserve that bonus legally and i have screenshots submitted to them that i could receive the bonus on my application. 
Hoping for the outside help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/2023 I pulled my credit report and noticed that a an auto loan was reporting on my credit report as inaccurate information. I tried to dispute the inaccurate information with all three bureaus first before reaching out to XXXX XXXX. All three credit bureaus responded back immediately and no chances was made to my credit report. I then sent a certified letter on XX/XX/2023 to XXXX XXXX requesting documentation of my repossession. They respond back on XX/XX/2023 with only collecting agency documents they have failed to comply with my request as I stated in my letter. That a violation of FCRA and under the law of the state of Illinois UCC code 810 ILCS 5/ and States RISA and MVISA statutes a deficiency can not be claim unless all of the required notices was properly and timely giving. I never received any documentation as requested if no such proof cant be provided please consider null and void, any continued collection activities continue reporting. I want this resolved immediately because theyre hurting and causing harm and mentally and physically XXXX. I cant buy a new vehicles due to the damage theyre causing me reporting inaccurate information on my consumer 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 non-monetary relief
Consumer complaint received 2023-04-28 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: IL

Complaint narrative:
On XX/XX/2023 I pulled my credit report and noticed that a an auto loan was reporting on my credit report as inaccurate information. I tried to dispute the inaccurate information with all three bureaus first before reaching out to XXXX XXXX. All three credit bureaus responded back immediately and no chances was made to my credit report. I then sent a certified letter on XX/XX/2023 to XXXXXXXX XXXX requesting documentation of my repossession. They respond back on XX/XX/2023 with only collecting agency documents they have failed to comply with my request as I stated in my letter. That a violation of FCRA and under the law of the state of Illinois UCC code 810 ILCS 5/ and States RISA and MVISA statutes a deficiency can not be claim unless all of the required notices was properly and timely giving. I never received any documentation as requested if no such proof cant be provided please consider null and void, any continued collection activities continue reporting. I want this resolved immediately because theyre hurting and causing harm and mentally and physically XXXX. I cant buy a new vehicles due to the damage theyre causing me reporting inaccurate information on my consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/2023 I pulled my credit report and noticed that a an auto loan was reporting on my credit report as inaccurate information. I tried to dispute the inaccurate information with all three bureaus first before reaching out to XXXX XXXX. All three credit bureaus responded back immediately and no chances was made to my credit report. I then sent a certified letter on XX/XX/2023 to XXXX XXXX requesting documentation of my repossession. They respond back on XX/XX/2023 with only collecting agency documents they have failed to comply with my request as I stated in my letter. That a violation of FCRA and under the law of the state of Illinois UCC code 810 ILCS 5/ and States RISA and MVISA statutes a deficiency can not be claim unless all of the required notices was properly and timely giving. I never received any documentation as requested if no such proof cant be provided please consider null and void, any continued collection activities continue reporting. I want this resolved immediately because theyre hurting and causing harm and mentally and physically XXXX. I cant buy a new vehicles due to the damage theyre causing me reporting inaccurate information on my consumer 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 2023-04-28 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: MD

Complaint narrative:
My XXXX  XXXX master card appears twice on my Equifax credit report. The last four of the card are XXXX.

Company response to consumer: Closed with explanation