vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capital Accounts, LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX I went to XXXX XXXX XXXX for a 15 minute consultation. I later found out that the manager is known to be a fraud and scammer. He started to try and issue false claims to my insurance company. I connected with my insurance company and told them it was fraud. I emailed with the investigator at the insurance company and eventually, the claims were blocked as the insurance company agreed it was fraudulent claims after I provided evidence about my XXXX XXXX XXXX  Given that the owner still has my information, it appears that he is now trying to issue claims through a debt collection agency called Capital Accounts LLC XXXX XXXX. I received a debt collections notice in the mail from a creditor called XXXX XXXX in XXXX through Capital Accounts LLC. The reason why I know this is the same fraud con artist is because I have read online that this fraudulent individual has done the same scam to many people here in XXXX. I have never been to a XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 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: GA

Complaint narrative:
TransUnion continues to show XXXX XXXX XXXX XXXX XXXX as open account when it is closed. It should show closed by consumer, XXXX balance but it continues to show open. 
I have reported this XXXX XXXX  so far and it continues to be sent to me wrong, I have attached. 
It is frightening to know this company exists and keeps putting out wrong information. 
should be closed.

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 2022-10-22 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: PA

Complaint narrative:
accordance with the Fair Credit Reporting act. 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 porting agency can not furnish a account without my written structions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card count under an open end consumer credit plan as late for any purpost

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 2022-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
XXXX has failed to supply information on WHOM has attempted to validate alleged debt. 

Request for detailed information was submitted on XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

30 days were allowed for written notification of supplying verifier information & has not been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: DC

Complaint narrative:
I transferred XXXX XXXX XXXX XXXX XXXX XXXX XXXX to Discover savings account through an ACH initiated from Discover Bank on XX/XX/22. The transfer occurred on XX/XX/22 and funds arrived on XX/XX/22. The funds were subtracted from my XXXX XXXX XXXX XXXX. 

The funds are on an extended hold at Discover till XX/XX/22 and no explanation has been provided for the delay in funds availability. 

The accounts have been open for several years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 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: AZ

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX I contacted Equifax about the following negative accounts 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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 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: AZ

Complaint narrative:
On XX/XX/XXXX I contacted Experian about the following negative accounts 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2022-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Equifax put an unauthorized security freeze on my credit. I was an identity theft victim due to their data breech. In XXXX Equifax removed all the bad accounts from my credit and it went up to XXXX. Now they have added a freeze and all the removed debt they put back on my credit. I can not get a place to live with an unauthorized freeze. They said working on issue and I have to wait 60 days. I will be on the street. My lease ends XX/XX/XXXX and I found a new place to live and gave XXXX XXXX in XXXX my security deposit. I have accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Among other credit cards that were not mine. Also they have several wrong addresses i.e. XXXX XXXX XXXX XXXX XXXX XXXX never lived there. It's out of control. This has been going on for several years. I have police reports dating back to XXXX for accounts opened in XXXX. I have lived in 3 places the last XXXX XXXX. My ID that is attached address which is 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 XXXX XXXX XXXX XXXX XXXX XXXX that is not or was never my address. I have sent documents to all 3 credit bureaus dating back to XXXX and again in XXXX and XXXX. Nothing has happened. My life has been ruined because of Equifax. Not XXXX credit bureau had permission to put a XXXX freeze or fraud alert on my credit report this year. I had alerts on my credit when I learned my identity was stolen for a year while no one did a thing to help me. I am ready to hire an attorney. I am XXXX XXXX XXXX and a Victim. I have been treated as a criminal. I attached a copy of my driver 's license. The reason I have not received my XXXX XXXX  is because I have been married before and had to get marriage certificates which takes 8 weeks to get. I also was living in XXXX XXXX XXXX. Now that I am residing in XXXX  perfectly I am getting a new license. I am going to wait until i get remarried. I will be changing my last name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: PA

Complaint narrative:
I having issue with AES. My account shows that my account is in paid head status. However, I not seeing how the extra payment have been applied. Since my loan is consolidated, the system shows that two separate loans based by the type. My understanding that I could not use my extra payments to be applied to one loan. even through the system show XXXX XXXX XXXX XXXX XXXX. I was told that my loan was consolidated it should be fix XXXX XXXX One of my loans show that owe interest but I just made payments XXXX. I contacted AES and asked for my original loan documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Zip Co US Inc.
State: MO

Complaint narrative:
Around XX/XX/22 I reached out to Zip Co ( Quadpay ) via the chat feature on their website to stop making attempts at debiting my credit card on file. I received no response. On XX/XX/22 I called the customer service number at ( XXXX ) XXXX to revoke authorization for them to debit my card on file. I spoke with XXXX  in their overseas office who told me she could not stop debiting my card, I asked to speak with a supervisor and she hung up on me. I called back and got XXXX  in the overseas office, I explained that I had just gotten hung up on and told him I needed to stop the auto debits. XXXX  argued with me, told me there was nothing no one could do, I begged for a supervisor and XXXX  hung up. I called back, XXXX  answered and recognized my voice and hung up on me again. I called back, spoke with supervisor XXXX  in the overseas office who was nice, but also stated she can not stop the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 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: Exeter Finance, LLC.
State: FL

Complaint narrative:
XX/XX/XXXX Exeter Finance XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and Exeter Finance ran an unauthorized credit inquiry on me on XX/XX/XXXX. 

I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact Exeter Finance and investigate such occurrence. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. 

If you have any questions or need additional information, please contact me at address listed below. 

Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 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: MI

Complaint narrative:
There are alot of car places on my credit report and I never tried to get a car loan I'm XXXX and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX so these car loans requires are not mine there's like XXXX of them on here and I need them off my credit report I've been XXXXXXXX XXXX XXXX  and haven't XXXX XXXX XXXX since then so could u please help 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 non-monetary relief
Consumer complaint received 2022-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: ID

Complaint narrative:
Paypal will not close my account. They are claiming technical difficulties and have no time frame on when it'll be fixed. I'm closing the account because of their misinformation fine of {$2500.00} they stated would happen if you're found to post " misinformation ''. I can't risk a private company draining my accounts because they don't agree with something I posted on social media or elsewhere. Paypal has since retracted their AUP and claim it was done in error. That language got in there somehow and someone was thinking it. I don't believe their retraction and instead think it's because of the huge backlash they received. I can't do business with this company anymore and do not want them connected with my bank and credit card accounts. This is happening to many people and actions need to be taken. Thank you for your help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-22 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: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
Bread Financial, also known as Comenity Bank, has not updated my credit card balances on my credit reports since XXXX XXXX, 2022. I have a Victorias Secret and an Express credit card with this company, in which I paid both balances down to {$0.00}. The Victorias Secret credit card was paid down to {$0.00} from {$670.00} on XX/XX/2022 and the Express credit card was paid down to {$0.00} from {$240.00} on XXXX XXXX, 2022. Another payment in the amount of {$3.00} was paid to the Express credit card on XXXX XXXX, 2022. Ive been work diligently to reduce my credit card debt in order to improve my credit rating for a home construction loan and Bread Financial/Comenity Banks lack of reporting in a timely manner is affecting my ability to make this happen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: CA

Complaint narrative:
I have never opened an account with XXXX XXXX XXXX XXXX. I have knowledge of this account or how they accessed my billing information or social security number. This account plain and simply is not mine. Nor should it be registered to XXXX XXXX as I have NEVER opened an account under my name with said company. Please investigate that identity theft may have occurred here!!! I also want proof that I opened this account. Please remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 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: AZ

Complaint narrative:
On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$6900.00} ), XXXX XXXX XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$6500.00} ), XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$1000.00} ), XXXX  XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1200.00} ), XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$510.00} ), XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$770.00} ), XXXX XXXX XXXX XXXX XXXX Account Number XXXXXXXXXXXX, Open Date XX/XX/XXXX, Balance : {$2400.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 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:
accordance with the Fair Credit Reporting act. 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 porting agency can not furnish a account without my written structions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card count under an open end consumer credit plan as late for any purpost

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 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: PA

Complaint narrative:
accordance with the Fair Credit Reporting act. 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 porting agency can not furnish a account without my written structions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card count under an open end consumer credit plan as late for any purpost

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 2022-10-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Account was opened in XXXX and was charged off in XXXX. 

I settled the account for less than was owed and paid as agreed in XX/XX/XXXX. 

Credit bureaus are reporting late payments after card was paid off as agreed. 

Credit report showing late payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

If I paid the account completely as agreed in XX/XX/XXXX, late payments should no longer be reported after that date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 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: DC

Complaint narrative:
I REPEAT THAT THIS IS NOT A REQUEST FOR VALIDATION/VERIFICATION NOR A DISPUTE. On XX/XX/2022, I the consumer notified the CFPB ( Consumer Financial Protection Bureau ) about XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX ), VIOLATING 15 USC 1692c ( a ) -COMMUNICATION WITH THE CONSUMER GENERALLY. Without the prior consent of the consumer given directly to the debt collector or the EXPRESS PERMISSION OF A COURT OF COMPETENT JURISDICTION, a debt collector may not communicate with a consumer in connection with the collection of ANY DEBT, I as the consumer never gave PRIOR CONSENT to XXXX XXXX XXXX XXXX, TO COMMUNICATE WITH I THE CONSUMER NOR FURNISH ANY ACCOUNT TO MY CONSUMER REPORT. XXXX XXXX XXXX AGREED IN WRITING THROUGH RESPONDING TO MY CFPB COMPLAINT THAT THEY WILL CEASE COMMUNICATION PURSUANT TO TITLE 15 USC 1692c ( c ) OF THE FDCPA ( Fair Debt Collection Practices Act ) CFPB complaint # XXXX XXXX ) Pursuant to title 15 USC 1692a ( 2 ) The term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through ANY MEDIUM. Communicating about an alleged debt through my Consumer Report is violation of the FDCPA, that's communicating with I the consumer through a MEDIUM and ( Equifax ) ( XXXX ) and ( XXXX ) are in serious violation also. Equifax, XXXX and XXXX fraudulently furnished account XXXX  XXXX XXXX on my consumer report without the consent of the consumer or the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury pursuant to 15 USC 1681b ( a ) ( 1 ) under permissible purposes of consumer reports. Here 's other Violation of the FCRA as well : ( 1 ), 15 USC 1681 ( a ) 4 ( b ) -Accuracy and fairness of credit reporting ( 2 ), 15 USC 1681a ( 1 ) - Consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, and mode of living are impacted.

( 3 ), 15 USC 1681b ( a ) ( 1 ) ( 2 ) -Permissible purposes of consumer reports. I the consumer never gave pre-Authorization nor prior permission to furnish any of the information on my credit report. 
Each violation under the FCRA and FDCPA is {$1000.00} each violation. I demand this account ( XXXX XXXX XXXX ) be deleted Immediately or I will file for litigation in accordance with the FCRA and FDCPA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under title ( 15 USC 1681n - title 15 USC 1681o ) regarding the continued willful and negligent noncompliance and 15 USC 1692k civil liability section of the FDCPA.

Company response to consumer: Closed with explanation