vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
This company working under the name of attorney XXXX XXXX contacted my niece and my ex-wife seeking information about my location which they already had because they had texted me hundred different name several times and I had not responded as originally known number and name. The indicated to my niece and to my ex-wife that this was a criminal case it already been filed in XXXX XXXX. Both of these things are untrue. The case number that was provided to my relatives was simply my file number but was represented as a court case filing. 
When I did call the number that was provided I was directed through a large answering service to a secondary service where the individual would not identify the name of the company only that they held a debt that was payable admit I had a choice of them submitting papers for his summary judgment order of setting up a time payment for the debt. 
I asked that all papers be emailed to me that I could actually read them. This was resisted by the woman on the phone did not give me your name nor direct line so that if we were disconnected I would be able to to call back. 
She promised to provide the paperwork with in one via email. I have not received any documentation from them 24 hours later.

I was not informed they were debt collection company.

I was not informed that the conversation was being recorded. 
I was not informed that they were asking for this information in order to recover the debt. 
I was not given the opportunity to dispute the debt. 
I was pressured to provide financial information submitted they could begin payments immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 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: NC

Complaint narrative:
Hello, I have recently noticed fraudulent activity on my credit reports. What I have found has led me to believe I may be a victim to identity theft, as I dig d not approve any information to be used in my name. I am requesting that the fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commission 's Theft Affidavit in regard to this incident. I have listed the additional fraudulent accounts below : XXXX XXXX XXXX : Account # : XXXX XX/XX/XXXX, Amount : {$170.00} XXXX XXXX XXXX  : Account # : XXXX XX/XX/XXXX, Amount : {$2700.00}

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 2022-04-28 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: U.S. BANCORP
State: TX

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 consent. 

15 USC 1666B : A creditor may not treat a payment on a credit cards account under an open end consumer credit plan as late for any 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 non-monetary relief
Consumer complaint received 2022-04-28 00:00:00
Product: Debt collection — I do not know
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: Direct Recovery Services, LLC
State: MO

Complaint narrative:
Been getting Robocalls and maybe a legitimate human, not sure, from the company Direct Recovery Services. Ive looked it up online and MANY other people have had similar experiences like I have. 

First call I got, that I know of, is on XX/XX/22. It was a robocall saying it was a private message for me mentioned they had an account on me and did not go into detail. No threatening words, yet the voice changes a lot hinting use of a voice alternative software. They simply mentioned to pay my account Unknown balance, no information given to their website : http : //www.directrecoveryservices.com/ The account number I was given does not work in anyway, and immediately asks for personal information like my SSN. 


Second call : XX/XX/22 This robocall was NOT sent to me, but instead to one of my family members. I do not know how they got personal phone numbers, but the voicemail was sent over to me by my family member in question. This robocall started off the same This is a private message for MY NAME, if you are not MY NAME, please hang up yet very XXXX voiced. This voicemail was more threatening then the last, saying in a deep autogenerated tone that they spent too much time and service to reach me, and its in my very best interest to call them or legal action will be delivered.

Again, Im not giving them any information Im just tired of getting calls from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
This was not sent in error, I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized used of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 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: NV

Complaint narrative:
Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 XXXX i made this clear for 60 days straight with transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

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 2022-04-28 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: NV

Complaint narrative:
Hi I am submitting this XXXX A 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 XXXX 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 XXXX 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 XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC
State: NC

Complaint narrative:
RMP SERVICES LLC wrongfully reported debt on my credit report. 

XXXX, XXXX wrongfully reported debt on my credit report. 

XXXX  XXXX XXXX sold the debt to Another creditor and still reports the debt on my credit report. 

XXXX a company notoriously known for deceptive practices continues to report negative information on my credit despot multiple attempts to request that it be removed. 

I reported all of these disputes to XXXX and it continues to report these debts on my account. None of these debts listed above do I have any agreement to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
A person that was let go from a company I used to obtain a loan was charged with in house theft. That same person took my personal information and later took out several payday loans and a car loan under Chrysler capital car finance company in 2014. This is not my account and due to this person having all my personal information they were able to obtain a car loan with a copy of my drivers license, my signature, and my bank account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Your company provided the following information on my credit report and want it removed.

US BKPT CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-04-28 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting, these accounts has violated my rights : XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX, Account XXXX XXXX, Account XXXXXXXX XXXX XXXX, Account XXXX XXXX, XXXX 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 602 B : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: AL

Complaint narrative:
I purchased a one year contract with XXXX XXXX XXXX and paid the full amount up front on the date contract was signed. I chose not to renew the contract. I informed my service technician several months before the contract expired and phoned XXXX that I would not be signing a new contract. 
More than six months after my contract ended I received a bill from XXXX for {$160.00} I again called them to inform them of their mistake. Approximately three months later I received another bill, I wrote on the bill that I didnt owe them anything since my contract was for 12 months and I paid in full initially. I asked for an explanation of the charges other than the amount. I never got a response but was instead handed over to Transworld System Inc. for collection. Ive spoken with the above credit agency who asked me to prove I didnt owe the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I attempted to pay my Macys debt ( Account # XXXX ) and was unable to do so because the account is to old and because the company issued a 1099-C form.

I'm currently working with a mortgage company and they are requesting I pay the account in full. After multiple attempts to pay the account off, and after being told I was issued a 1099-C form, is it possible for my Macys account to show a balance of {$0.00}. 
Thank you for your time!

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 2022-04-28 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: Convergent Resources, Inc.
State: CA

Complaint narrative:
In XX/XX/2022, XXXX  account # XXXX violated my rights.

15USC 1681 sec 602 A states I have the right to privacy. 15 USC 1681 sec 604 sec 2 also states a consumer reporting agency can not furnish a account without my written instructions.

A bill without a written signature is not a validation and a violation of my rights. Accord ding to the FCRA MY RIGHTS HAVE BEEN VIOLATED!

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 2022-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
It has come to my attention that after several years of communications with American Express about two credit cards that were opened in XX/XX/2016 by fraud, that they are still appearing on my credit reports and now appear as charge offs. Furthermore I received a collection letter from a collection agency trying to collect on these cards. I have reported this also to the 3 credit reporting agencies that they have failed to respond to my letters about these account. First account that is on my report is XXXX, and second is XXXX. These are fraudulent accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-28 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: TN

Complaint narrative:
I, the consumer and natural person was denied credit, my account was put on restriction, and it was reported to the credit reporting agencies XXXX and XXXX that the account was closed, without my consent by Capital One when I exercised my right to remit my payment coupon. I endorsed and submitted my remittance coupon to Capital One that was delivered on XX/XX/XXXX via certified mail. My balance was {$390.00} of a {$400.00} limit, I submitted my coupon for {$350.00}. On XX/XX/XXXX I got various notices in my online documents saying my spending privileges was suspended and my account was restricted. Also stating that it was because of severe delinquency or over limit status, which it was neither my account was in good standing. I didnt notice this information until XX/XX/XXXX and saw that I sent my remittance coupon to the incorrect address that processes those transactions. So, I resubmitted a new endorsed remittance coupon for the amount of {$350.00} and sent it via certified mail that was delivered on XX/XX/XXXX. Since then, my XXXX XXXX alerts has notified me that the credit reporting bureaus are stating my account with Capital One is closed. Capital One now has two of my original endorsed coupons I have sent. Since there was no return of my negotiable instruments, they have now accepted 2 payments towards this account. The company has failed to apply the remittance to my balance, failed to acknowledge reasons as to why the instruments were not accepted for payment, even though they were not returned ; which by definition is accepting payment per each coupon, and have continued with defamation of character in credit bureau reporting, all while harming a living soul.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 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: TX

Complaint narrative:
I noticed 3 past due accounts on my Experian credit report that I did not recognize. 
1. XXXX XXXX XX/XX/XXXX # XXXX 2. XXXX XXXX XXXX {$2000.00} on XX/XX/XXXX 3. XXXX XXXX XXXX {$1000.00} on XX/XX/XXXX I contacted XXXX in early XXXX, they opened an investigation and determined I was the victim of identity theft. 
I contacted XXXX on XX/XX/XXXX and informed them I did not recognize the account. They suggested that I contact Experian to open a dispute. 
I contacted experian today XX/XX/XXXX and disputed these 3 accounts/charges.

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 2022-04-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: CO

Complaint narrative:
When transferred to Aidvantage from XXXX, Aidvantage erroneously opt my account out of the COVID emergency forbearance without my notification. Aidvantage then issued delinquency notices after I did not pay on my student loans, which should have been in forbearance. I did resolve this issue on the phone with Aidvantage, after they acknowledge the error in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 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: NY

Complaint narrative:
Hi I am submitting this XXXX 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 XXXX 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 XXXX now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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