vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: FactorTrust, Inc.
State: RI

Complaint narrative:
I received my XXXX report and noticed alot of inquiries I didn't authorize nor did I get any accounts with these inquiries.1 ) XXXX   XXXX XXXX XX/XX/XXXX 2 ) XXXX XXXX XXXX XX/XX/XXXX 3 ) XXXX XXXX  XXXX XXXX XX/XX/XXXX 4 ) XXXX XXXX XXXX   XX/XX/XXXX 5 ) XXXX XXXX XXXX XXXX XX/XX/XXXX 6 ) XXXX    XXXX XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX 7 ) XXXX XXXX XX/XX/XXXX, XX/XX/XXXX 8 ) factor trust   XX/XX/XXXX, XX/XX/XXXX 9 ) XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 10 ) XXXX XX/XX/XXXX, XX/XX/XXXX 11 ) Factor trust XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 12 )  XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
I did not give permission for these places to pull my credit report. According to the fair credit reporting act section 604 these inquiries are not allowed and should be removed. as they do not have my signature or permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 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: TN

Complaint narrative:
The following companies ran unauthorized credit inquiry on my credit report. Thus, these are suspicious and needs to be deleted asap. 

XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX/XXXX, XXXX, XXXX, XXXX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX   and 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 2019-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
AARGON AGENCY reporting a debt of {$330.00} was added to my personal file XX/XX/2016 as I discovered through my monitoring service. This account is a result of identity theft and has been reported and is being investigated and blocked from my file. I have tried to reach out to this company in regards to resolve and remove this fruadulant account from my file. This account does not belong to me.

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 2019-07-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Hello, I've recently made two payments to XXXX. For whatever reason, the payments were returned same day. My banking statement does not even reflect XXXX drafting the payments. I did receive the first email when I scheduled my payment. I received another email stating the payment was applied on my account. Now I'm showing ( 2 )  returned payments along with late fees and finance charges. XXXX has marked my account as late 30 days on all credit reports and closed my account. I have been with them for over 8 years with no late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX ( XXXX XXXX XXXX ) reporting a debt owed of {$27.00} is a result of identity theft and has been reported to the FTC and is currently under fraud investigation as I am a victim of Identity theft. This account was has been active and reporting since XX/XX/2016 per my monitoring service. This account does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-31 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: TN

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX and XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 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: TN

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 XXXX a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX, XXXX ( Original Creditor : XXXX 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 explanation
Consumer complaint received 2019-07-31 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: Nelnet, Inc.
State: NC

Complaint narrative:
XX/XX/XXXX - {$4000.00} XX/XX/XXXX - {$1400.00} XX/XX/XXXX - {$1800.00} XX/XX/XXXX - {$7300.00} XX/XX/XXXX - {$4500.00} I contacted all three credit bureaus explaining that these account were deferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 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: IN

Complaint narrative:
The accounts do not reflect their accurate status..Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply.. 
Get rid of this bankruptcy status as soon as possible and notify me when its done so that I can go ahead and apply for the things I have to apply XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BYL Collection Services
State: NV

Complaint narrative:
BYL COLLECTIONS SERVICES ( XXXX XXXX XXXX ) reporting a debt owed of {$27.00} is a result of identity theft and has been reported to the FTC and is currently under fraud investigation as I am a victim of Identity theft. This account was has been active and reporting since XX/XX/2016 per my monitoring service. This account does not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: MoneyLion Inc.
State: MN

Complaint narrative:
In XXXX Moneylion ( XXXX XXXX ) ran a promotion where they advertised a bonus of upto {$590.00} or 17 % of first paystub direct deposit and maintaining direct deposit for 3 months. See details below : 1. Join MoneyLion 2.Set up a direct deposit of $ XXXX 3.  Opt in to bonus 4 Maintain direct deposit for 90 days to get bonus ( this needs to be 90 % of your initial direct deposit ) 5. Bonus you receive will be 17 % of your first direct deposit I opened the account, opted into the promotion ( see attached screenshot ) and maintained direct deposit of {$3200.00} XXXX XX/XX/XXXX ), {$3100.00} ( XX/XX/XXXX ), {$3100.00} ( XX/XX/XXXX ) and {$3100.00} ( on XX/XX/XXXX ). 

Even after meeting the promotion terms, I did not get the promised bonus of $ XXXXpromotion terms, I did not get the promised bonus of {$550.00}. 

When I contacted Moneylion they are deceptive and saying that I did not click on the enroll promotion button even though I did. Please see attached screenshot for confirmation. 

Kindly issue the promised bonus of {$550.00} immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 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: Nationwide Credit & Collection, Inc.
State: IL

Complaint narrative:
I was contacted by Nationwide Credit in XX/XX/2019 by phone. Nationwide credit stated that I owed a debt and that a debt was owed on behalf of my ward. The debt amount was not recognized by me. I requested validation of the debt. I was informed that I needed to put this request in writting. I verbally told them that I would be doing that immediately, and asked them not to further contact me by phone. I immediately wrote to the company and put this request in writing no more than a week after receiving that call. I did not receive anything in the mail. After that initial call, I continued to receive calls and voice messages at least once a day over a two week period. I usually let these go to voice mail. On some occassions I answered and again stated that I was questioning the debt and had requested validation of the original debt, which I still had not received. The agents each time stated that they were making notes in the account and that the calls would stop while that information was being sent as I requested. The calls stopped for a little while, but then continued again. I also received mailed correspondence about the debt, but never received validation or information about the original debt. Meanwhile I was told that the debt was being reported on my credit. In XX/XX/2019, I again put it in writing and stated that this was now my second written request for validation of the debt. Again I received nothing. It is now XX/XX/XXXX and I am still receiving calls from this company. I have now written for the third time for validation of the debt, and have not received anything other then them sending out their own one page demand for payment with no validation of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 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: IN

Complaint narrative:
The accounts do not reflect their accurate status..Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply.. 
Get rid of this bankruptcy status as soon as possible and notify me when its done so that I can go ahead and apply for the things I have to apply for.. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX 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 explanation
Consumer complaint received 2019-07-31 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: IN

Complaint narrative:
The accounts do not reflect their accurate status..Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply.. 
Get rid of this bankruptcy status as soon as possible and notify me when its done so that I can go ahead and apply for the things I have to apply for.. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX 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 2019-07-31 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: IN

Complaint narrative:
I am a victim of identity theft. I requested proof of ownership on XXXX XXXX XXXX but there is none. It must be proven TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP, of my responsibility and compliant with the FCRA Laws.. I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I am requesting a permanent block on the accounts asap

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 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: NC

Complaint narrative:
XX/XX/XXXX - {$4000.00} XX/XX/XXXX - {$1400.00} XX/XX/XXXX - {$1800.00} XX/XX/XXXX - {$7300.00} XX/XX/XXXX - {$4500.00} I contacted all three credit bureaus explaining that these account were deferred.

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 2019-07-31 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: IN

Complaint narrative:
I am a victim of identity theft. I requested proof of ownership on XXXX XXXX XXXX but there is none. It must be proven TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP, of my responsibility and compliant with the FCRA Laws.. I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I am requesting a permanent block on the accounts asap

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 2019-07-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: IL

Complaint narrative:
In XX/XX/2019 I was contacted by EdFinancial. The debt amount was not what I recall borrowing. I requested validation of the debt. I was informed that I needed to put this request in writting. I verbally told them that I would be doing that immediately, and asked them not to further contact me by phone. I immediately wrote to the company and put this request in writing no more than a week after receiving that call. I did not receive anything in the mail. 

I received additonal calls and I stated each time that I was questioning the amount of the debt and had requested validation of the original debt, which I still had not received. The agents each time stated that they were making notes in the account and that the calls would stop while that information was being sent as I requested. The calls stopped for a little while, but then continued again. I also received mailed correspondence about the debt, but never received validation or information about the original debt. Meanwhile I was told that the debt was being reported on my credit. In XX/XX/2019, and in XX/XX/2019 I was reported for late payments. I spoke with agents multiple times who told be that they did not have to comply with the validation of debt request and that thir company didn't do that. I don't understand how they can refuse to comply with the federal law regarding validation of debts. I again put it in writing and stated that this was now my second written request for validation of the debt. Again I received nothing. It is now XX/XX/XXXX and I am still receiving calls from this company, and it is still reporting the debt to credit agencies. I have now written for the third time for validation of the debt, and have not received anything other then them sending out their own one page demand for payment with no validation of the debt, and continuing to report to cerdit agencies as 150 days past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF THE WEST
State: CA

Complaint narrative:
On XX/XX/2019 I had {$1200.00} taken from my bank of the west business account I found this withdrawl on XX/XX/19 and immediately called my bank. I went in to my branch and signed the papers that were required for this unauthorized transaction. 
It is now the XX/XX/XXXX and my bank tells me that XXXX XXXX will not give back the funds, so it is out of thier hands and I need to contact the entity that took the funds. 
This was an unauthorized automatic withdrawl from a company name XXXX XXXX   that was used to pull money from my account for some person name XXXX XXXX, who I do not know and is associated with another company called XXXX. I received theses name through my bank. They told me that I need to contact these people directly because all they could do was ask XXXX XXXX to reimburse the money and when they denied it they said it was out of their hands and closed the fraud claim. I have contacted the two companies ( only available though email neither company will talk with me via phone ) and both told me that its out of their hands and that I need to contact my bank So now I have multiple emails between me and this company XXXX   and conversations with my bank and not one of them will help me. They are both passing the buck I have asked both of them for proof of authorization and neither has come through.

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 monetary relief
Consumer complaint received 2019-07-31 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: NC

Complaint narrative:
XX/XX/XXXX - {$4000.00} XX/XX/XXXX - {$1400.00} XX/XX/XXXX - {$1800.00} XX/XX/XXXX - {$7300.00} XX/XX/XXXX - {$4500.00} I contacted all three credit bureaus explaining that these account were deferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 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: EQUIFAX, INC.
State: IN

Complaint narrative:
Where did credit bureaus get this public information when the recorder of deeds, the magistrate or the court itself did not furnish any of this information to the credit bureaus. They do not provide any proof to justify their reporting. Please get this public information remove Chapter XXXX Bankruptcy Discharged XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 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:
EQUIFAX KEEPS VERIFYING 1 OF 5 ID THEFT LOANS ON MY REPORT.AS OF XX/XX/XXXX THEY SAID THE DISPUTE IS NOT SPECIFIC.EQUIFAX HAS REMOVED 4 OF 5 OF THE BAD LOANS THAT ARE NOT MINE.EQUIFAX HAS MANY EMPLOYEES THAT ENGLISH IS A SECOND LANGUAGE AND FEW KNOW HOW TO READ UNDERSTAND AND SPEAK ENGLISH.I BELIEVE THIS TO BE THE PROBLEMS BASIS. 
MY CREDIT IS STILL DESTROYED BY EQUIFAX 'S CONFUSION. 
DEPT OF EDUCATION XXXX XXXX XXXX IS NOT MINE.IT IS ID THEFT OR AN ERROR OF THE DEPT OF EDUCATION, BUT REGARDLESS IT IS NOT MINE AND SHOULD NOT BE ON MY CREDIT REPORT FOR ANOTHER 5 MINUTES.

Company response to consumer: Closed with explanation