vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
On XX/XX/22 I sent a letter regarding inaccurate on my credit report to this day over 60 days later I have not received a response yet. I feel like I am being ignored and my disputes not being acknowledged.

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 2023-01-11 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: NJ

Complaint narrative:
There are some accounts that are on my credit report I do not recognize

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 2023-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmerAssist A/R Solutions, Inc.
State: LA

Complaint narrative:
AmerAssist holds no delegation of authority to conduct business practices in the state of Louisiana where i reside. They have no current license or bond insurance with the State of Louisiana to collect debt or act as a debt collection agency authorized to do business in the state of Louisiana. i also do not consent nor contract to do any business with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Gurstel Law Firm, P.C.
State: CO

Complaint narrative:
Called gurstel law firm in XXXX to report garnishment was taken on my mothers checking account who is on XXXX. She is on a fixed income and they took over $ XXXX out of her only income I called again in XXXX and XXXX no resolution except the garnishment was disputed. 

Called in XXXX and they said there is still a balance and they can not do anything about the fact she is on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: PA

Complaint narrative:
Recently, I filed a complaint against a debt collections agency " XXXX XXXX ''. During the XXXX XXXX  I was going purchase a vehicle. after the auto dealership check my credit report, the car dealership " made me aware of a newly added collections to my consumer credit report. 
I checked my credit report and seen, for the first time, XXXX XXXX added a collection to my credit report. I called this debt collections agency, and the representative said initially, they have called me several times, I asked wat number they called, and a completely different number from mine. then I was told they ( XXXX XXXX ) had been sending me notifications of this debt since XX/XX/XXXX to my address here in XXXX XXXX XXXX, XXXX that's impossible, I just accepted a work relocation here the middle of XX/XX/XXXX, ( No one ever contacted me, prior to ruining my credit, my score dropped XXXX XXXX ) I asked what I need to do to get this removed from my credit report as soon as possible? The manager of XXXX XXXX informed me, to pay the arrears and they would have this collection removed immediately ( well as you can see, that was another false statement, I'm still struggling with this. WHO PROTECTS XXXX XXXX FROM IRREGULAR BUSINESS PRACTICES LIKE THIS???? 
1.No one ever contacted me about money owed 2. XXXXXXXX NEVER tried to contact me, they simply added this collection to my report, KNOWING WHEN I TRIED TO GET CREDIT, I WOULD CONTACT THEM, THIS IS AN ILLEGAL BUSINESS PRACTICES 3. I PAID THE {$1400.00} AND XXXX XXXX, DIDN'T HAVE THE COLLECTIONS REMOVED, ANOTHER LIE 4. I SUBMITTED A COMPLIANT WITH EXPERIAN AND THEY SIMPLY AGREED WITH XXXX SYSTEMS, WHERE'S THE JUSTICE? IF I HAD KNOWN THERE WAS A COLLECTION, I WOLD HAVE PAID IT PRIOR TO RUINING MY 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 2023-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: MS

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to the file this dispute. I also constitutes a FEDERAL CRIMINAL VIOLATION punishable as perjury under 18 U.S.C 1001. Additionally, these misstatement are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-11 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: PA

Complaint narrative:
Recently, I filed a complaint against a debt collections agency " XXXX XXXX ''. During the XXXX XXXX, I was going purchase a vehicle. after the auto dealership check my credit report, the car dealership " made me aware of a newly added collections to my consumer credit report. 
I checked my credit report and seen, for the first time, XXXX XXXX added a collection to my credit report. I called this debt collections agency, and the representative said initially, they have called me several times, I asked wat number they called, and a completely different number from mine. then I was told they ( XXXX XXXX ) had been sending me notifications of this debt since XX/XX/XXXX to my address here in XXXX XXXX XXXXXXXX, XXXX that's impossible, I just accepted a work relocation here the middle of XX/XX/XXXX, ( No one ever contacted me, prior to ruining my credit, my score dropped XXXX points ) I asked what I need to do to get this removed from my credit report as soon as possible? The manager of XXXX XXXX informed me, to pay the arrears and they would have this collection removed immediately ( well as you can see, that was another false statement, I'm still struggling with this. WHO PROTECTS XXXXXXXX XXXX  FROM IRREGULAR BUSINESS PRACTICES LIKE THIS???? 
1.No one ever contacted me about money owed XXXX. XXXX NEVER tried to contact me, they simply added this collection to my report, KNOWING WHEN I TRIED TO GET CREDIT, I WOULD CONTACT THEM, THIS IS AN ILLEGAL BUSINESS PRACTICES XXXX. I PAID THE {$1400.00} AND XXXX XXXX, DIDN'T HAVE THE COLLECTIONS REMOVED, ANOTHER LIE XXXX. I SUBMITTED A COMPLIANT WITH XXXX AND THEY SIMPLY AGREED WITH XXXX XXXX, WHERE'S THE JUSTICE? IF I HAD KNOWN THERE WAS A COLLECTION, I WOLD HAVE PAID IT PRIOR TO RUINING MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: CRED Technologies dba cred.ai
State: TX

Complaint narrative:
To date, after insurmountable emails and phone calls to the cred technologies dba cred.ai, an agent of XXXX XXXX, they still refused to abide by the XXXX, XXXX, XXXXXXXX XXXX " NO LIABILITY '' policy of crediting {$3000.00} back to my account due to prompt reporting of UNAUTHORIZED TRANSACTIONS. 

Cred Technologies dba as Cred.Ai, an agent of XXXX XXXX, caused insurmountable financial losses due to their intentional negligence in providing proper protection to my customer deposit account, causing me to lose my home, car, credit worthiness, not only during the 2022 XXXX XXXX but continuing on. 

To date, Cred Technologies dba as Cred.Ai REFUSES to reply in a timely manner, taking 2-3 weeks to reply by email and refuses to have a manager in the USA call me when asked multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: ERC
State: FL

Complaint narrative:
Im a consumer a natural living man. All debts are obligations of United States. I did not give any consent. I did not get the full disclosure to opt out. I do not consent to the share in of my non public information. This is a transaction and experience that took place between XXXXXXXXEnhanced RecoveryXXXX XXXX and I and its no ones business. Why is it on my report there using the credit report to extort me, defame my character and tarnish my credit worthiness. There furnishing deceptive forms. Enhanced RecoveryXXXX has committed a crime. Its discrimination

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/22 I sent a letter regarding inaccurate on my credit report to this day over 60 days later I have not received a response yet. I feel like I am being ignored and my disputes not being acknowledged.

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 2023-01-11 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: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
I submitted a dispute letter with my credit report highlighting all the errors on my credit report. However, we have allowed furniture providers to violate the FCRA Act under Article 623 ( a ) which states, prohibits furnishers from reporting information to a CRA if the furnisher knows or has reasonable cause to believe that the information is inaccurate.14 The statute defines reasonable cause to believe that the information is inaccurate to mean specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information. COMENITY BANK/EXPRESS HAS BROKEN THE LAW WITH GIVING INACCURATE INFORMATION TO ALL THREE CREDIT BUREAUS ... CHECK THE ATTACHMENT BELOW... LIKE HOW IS THE DATE OPENED INCORRECT ON ALL THREE... IS THIS ACCURATE? LIKE HOW IS THE DATE REPORTED INCORRECT ON ALL THREE BUREAUS. OVERALL, HOW IS THE DATE LAST ACTIVE INCORRECT... PLEASE READ ATTACHMENTS. I PRAYFULLY YOU DELETE DUE TO YOUR MISTAKES OF MY CREDIT REPORT.

HAS INSURANCE BEEN FILED ON THIS ACCOUNT?

HAS A 1099C BEEN FILED ON THIS CHARGEOFF ACCOUNT? 
DO YOU HAVE ERRORS AND OMISSIONS INSURANCE?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: NJ

Complaint narrative:
There are some accounts that are on my credit report I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: NJ

Complaint narrative:
There are some accounts that are on my credit report I do not recognize

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 2023-01-11 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have both violated my rights M15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
Chexsystems have removed the negative accounts from my report due to identity theft but they have left all of the inquires on my file that were from the identity theft. Which is causing me to have a high risk score and causing me not to be able to obtain a checking account.

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 2023-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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 2023-01-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: NC

Complaint narrative:
To Whom it May Concern : On XX/XX/2022, a transfer from XXXX, my previous Public Student Loan Forgiveness, PSLF, Federal Loan provider, was initiated to my new PSLF, Federal Loan provider, MOHELA. I was not consulted about this transfer, and I have learned that this transfer has impact my credit score in a negative way. On XX/XX/2022, this transfer was complete. 

Thank you for your time and consideration.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: FL

Complaint narrative:
I found a number of mistakes on my credit report and I contacted TransUnion in order to resolve these issues. They have down right failed to comply with FTC Regulations and refuse to fix this issues, this is a clear violation of my consumer rights.

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 2023-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/22 I sent a letter regarding inaccurate on my credit report to this day over 60 days later I have not received a response yet. I feel like I am being ignored and my disputes not being acknowledged.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/22 I sent a letter regarding inaccurate on my credit report to this day over 60 days later I have not received a response yet. I feel like I am being ignored and my disputes not being acknowledged.

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 2023-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have both violated my rights M15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the

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 2023-01-11 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have both violated my rights M15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the

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 2023-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I am being denied a credit card based on an old account I had defaulted on but paid with a collections agency in XXXX. 

I am aware of others that had accounts closed due to fraud and have been extended credit yet I am not. I was told by a representative at Capital One that " there's nothing I could do to earn credit or change the status of my defaulted account to reflect that I paid the collections agency ''. 

I am not asking to be treated special ; I am requesting the respect I deserve and the opportunity to rebuild my credit as a lower-income consumer that's fighting my way up towards self-sufficiency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish 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