vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-02 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: PA

Complaint narrative:
XXXX closed three account I have the balances of XXXX . Legally this has to be removed because They transferred these accounts! This is a federal student loan they are not reported consistently thats a violation.

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 2021-10-02 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: PA

Complaint narrative:
There is a collection my credit report from XXXX XXXX. The collection is stemming from an account with " XXXX XXXX XXXX XXXX '' that is not mine. It must be removed immediately from 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 non-monetary relief
Consumer complaint received 2021-10-02 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: PA

Complaint narrative:
There is a collection my credit report from XXXX XXXX. The collection is stemming from an account with " XXXX XXXX XXXX XXXX '' that is not mine. It must be removed immediately from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: NC

Complaint narrative:
ARS piece of paper did not contain all FIVE requirements pursuant to 15 USC 1692g which states : ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification judgment will be mailed to the consumer by the debt collector ; and a ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ARS did not mention 3, 4, nor 5. Thats a violation and ARS owe me another {$1000.00} according to 15 USC 1692k civil liability. If ARS had the power to validate or verify anything, they wouldnt be mailing me a pointless piece of paper. Which, by the way, the law does not mention a bill or a statement as validation or verification. ARS have yet to tell me who originated this credit. I still do not owe this alleged debt. ARS also is committing mail fraud according to 18 USC 1341. I did not give my consent for ARS to communicate with me and Ive been attached a cease & desist letter. Thats another violation pursuant to 15 USC 1692c. I am attaching an invoice and I expect my check in the mail. ARS has 30 days. Youre on notice.

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 2021-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have a XXXX/XXXX XXXX  account what has been reported as a charge off every month since XXXX. Every month it has reported 30,1 60,1 90 1 days late for XXXX and Experian and the last month it reported that was XX/XX/XXXX. I just updated my smart credit and for XXXX its reporting 30 1, 60 1, 90 37, for XXXX and its reporting 30 1, 60 1, 90 3, for Experian! I just updated it for XXXX and it say 30 1, 60 1, 90 1, for Experian and 30 1, 60 1, 90 38, for XXXX. How did it go from XXXX 90 days late in XXXX to 38 90 days late in XXXX in 3 months??!!! Also All 3 are reporting wrong dates for date of last activity!

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 2021-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2021 I went into XXXX XXXX in XXXX XXXX, CA. I requested a quote and asked to be sure my credit would Not need to ran to get me an estimate. This was confirmed with sales associate XXXX XXXX XXXX, who assured me it would not be ran. 
My credit had a hard inquiry pulled by XXXX XXXX the same day XX/XX/2021. 
When i brought it to the attention of the Manager XXXX XXXX, he went on to acknowledge the mistake but made no attempts to fix the error. 
I DID NOT sign any paperwork authorizing a credit report be taken. 
In turn, i have since gotten a negative effect to my credit score.

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 2021-10-02 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: Simon's Agency, Inc.
State: NY

Complaint narrative:
I disputed this reporting on my credit reports. It was deleted and does not appear on XXXX and XXXX. However, it appears on my XXXX report. I still dispute the validity of this debt. I have no correspondence from Simmons Agency and will litigate this in court at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 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:
I contacted Equifax about an Inquiry on my account from XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XX/XX/XXXX and XXXX XX/XX/XXXX and they wont remove these fraudulent things from my credit report. I had to even go as far as to FIle an FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
On XX/XX/XXXX I received an alert that synchrony PayPal MasterCard had hit my credit I immediately contacted the phone number XXXX XXXX provided me with I called them and told them I did not apply for a credit card they assured me they would notify the credit bureaus and remove the inquiry I have disputed w all three bureaus and have gotten nowhere I also cant get any answers from the company

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 2021-10-02 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: MD

Complaint narrative:
I have a XXXX XXXX account what has been reported as a charge off every month since XXXX. Every month it has reported 30,1 60,1 90 1 days late for XXXX and XXXX and the last month it reported that was XX/XX/XXXX. I just updated my XXXX XXXX and for XXXX its reporting 30 1, 60 1, 90 37, for XXXX and its reporting 30 1, 60 1, 90 3, for XXXX! I just updated it for XXXX and it say 30 1, 60 1, 90 1, for XXXX and 30 1, 60 1, 90 38, for XXXX. How did it go from 1 90 days late in XXXX to 38 90 days late in XXXX in 3 months??!!! Also All 3 are reporting wrong dates for date of last activity!

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 2021-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have a XXXX XXXX  account what has been reported as a charge off every month since XXXX. Every month it has reported 30,1 60,1 90 1 days late for Equifax and XXXX and the last month it reported that was XX/XX/XXXX. I just updated my XXXX  XXXX and for XXXX its reporting 30 1, 60 1, 90 37, for Equifax and its reporting 30 1, 60 1, 90 3, for XXXX! I just updated it for XXXX and it say 30 1, 60 1, 90 1, for XXXX and 30 1, 60 1, 90 38, for Equifax. How did it go from 1 90 days late in XXXX to 38 90 days late in XXXX in 3 months??!!! Also All 3 are reporting wrong dates for date of last activity!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 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: LEXISNEXIS
State: CA

Complaint narrative:
My name is XXXX XXXX who has been suffering from my lies and deceptive actions of Lexisnexis over and over again and need your help to fix this please as they claimed they dont dont how to help because i dont respond with identification omg what a lie as you will see. I been calling and each time being rejected in the calling q after waiting for 1 hr 17 mins and 2hrs. as am in california and there hours are not readily for my time zone. They have no clue am tracking emails read when i sent XX/XX/XXXX and XX/XX/2021 so they lied that they cant remove the information that stole from my records and sold without my written permission. Am very depressed now as they are saying they dont have to respond to me as they have all rights as they dont go by the rules of the FTC but only by XXXX, XXXX and XXXX. am confused need the CFPB to help me and am having sleepless nights of their constant lies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 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:
I contacted Transuion about fraud on my credit report and they have done nothing to FIx it even went as far as to have to send them my Police reports and an FTC report about the incidents. there are 2 fraud inquieris on my account one is from XXXX XXXX XXXX XX/XX/2020 and another from XXXX XXXX on XX/XX/2020. when i contact them by mail or phone they refuse to take it down.

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 2021-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I ordered a credit report in my birth name using my middle initial as I have been using this name all my life. My report came to my address without my identifying middle initial. My son has the same name but with a different identifying middle initial. So when my report came we did not know who the report was for because they decided to omit the middle initial. If I order a credit report and on the report it has my middle initial then the name for who is to receive this report should have that identifying middle initial. This mailing did not have the middle initial. This however has caused me problems not only on previous reports after my sons information was on my report but also other problems when anyone decides to omit this initial. I had to send in to the credit report companies all of my identifying information last year because of this problem. The report itself is correct but when they mail it they ( whoever ) decides to mail it without this initial. That initial is the same as someone who has a suffix like junior or senior.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 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: Google Compare Credit Cards Inc.
State: IA

Complaint narrative:
XXXX XXXX accepts only google pay for a membership that allows longer than 12 second security recordings.

XXXX XXXX can not get their payment which leaves my family at risk of our dangerous stalker we do have as we can not record more than 12 seconds nor use my card to pay for our membership this month google pay wants me to verify a card i have not had in along time. 
that card also does not show in my active list of payment options as a card to remove. my current debit card does show. it is the only card i now use.. 

google pay said to send a photo of the card i do use in place of the one they requested to verify. 
as well as to send a photo of my drivers license to verify my identity. 

i did that twice. both times my information has been declined this month. 

google pay called me 3 times when i found how to search and find the call me button. it is very very difficult to find that. 

1st call the woman said send info i did have.

it was declined twice.

2nd call the robot system hung up on me.

i was so upset i waited a day to try again.

3rd call XX/XX/2021 someone with an extremely thick accent answered and said not that he could fix anything but to " watch for an email from google pay '' 4. i have received several emails from google pay, all with instructions on how to verify my identity, how? by sending proof via their camera system, of my i.d . and credit card i no longer have. not helpful as if they are rubbing it in and never even listened at all. 

i am extremely frustrated and worried they are allowing my info to be used fraudulently possibly as well as NOT fixing the issue which is putting my family at risk and i am unable to pay for longer security recordings via our wyze cameras. 

any assistance would be truly appreciated. 

i do not feel google pay is going to correct this issue. it has been ongoing for over a month now. 

also XXXX XXXX does not have any phone nunber to call either nor any other payments accepted. 


.both companies have very poor customer service and it is near impossible to find how to reach them. for wanting my money they need to be easily accessible to reach.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Comenity Bank charged interest on my fully paid account notwithstanding their credit card statement specifical states, " We will not charge you interest on purchases if you pay your entire balance by the due date each month. '' Noted on the attached 5 pages ( pages 1 - 3 are from the XXXX XXXX statement and pages 4 - 5 are from the XXXX XXXX statement ) are numbers 1 through 5, designating the following : 1. The new balance in the XXXX statement was {$2000.00}. 
2. The due date on this balance was XX/XX/XXXX. 
3. The reverse side of the statement reads, " We will not charge you interest on purchases if you pay your entire balance by the due date each month. '' 4. The balance owing of {$2000.00} was paid on XX/XX/XXXX which is inside the XXXX/XXXX/XXXX due date. 
5. Yet, Comenity charged {$21.00} interest.

On a phone call to Comenity at the number on the statement, I spoke with XXXX. She advised that once there is a late payment, " you are in the interest loop '' and you can never catch up unless you don't use your card for two months. '' I asked XXXX if paid my XXXX statement balance of {$130.00} today ( XX/XX/XXXX ) even though it is not due until XX/XX/XXXX if I could get out of the " interest loop '' and she repeated that I'm " stuck '' and can only get out with two months non-use and that Comenity also would charge me interest on my purchases after the XXXX statement was sent even if I paid my " entire balance by the due date. '' Of note, the " late '' payment Comenity claims was late, was not -- - the due date in XXXX was XXXX and the payment was mailed to Comenity on XXXX, yet Comenity delayed posting until XXXX so they could charge me a {$35.00} late fee and put me into their " interest loop. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: AMERIS BANCORP
State: CA

Complaint narrative:
I opened my Ameris Bank account at the XXXX XXXX location on XX/XX/21 in person with XXXX XXXX Assistant Branch Manager. From that point on, I was never able to access my bank account online to verify what funds were available despite visiting numerous branches all over the city to attempt to take care of this in person. I spoke to XXXX XXXX, VP Branch/Biz Manager at the XXXX branch , XXXX XXXX , VP, Branch Manager also at the XXXX XXXX branch , someone at the XXXX branch and elsewhere too, and finally closed my account with XXXX XXXX XXXX XXXX XXXX branch . 

Due to never being able to access my bank account online to know my balance and with the understanding I had opted out of overdraft protection, I believed I wasn't being allowed to use my money beyond what was in my account. 

Imagine my horror when I realized the bank had decided to charge me {$400.00} worth of overdraft charges when I finally received all my mail. I moved a lot while living in XXXX  for reasons beyond my control and this was a huge financial setback leading me to leave XXXX completely after closing the bank account. 

I continued to receive delayed bank statements and other bank information long past the time it was relevant leading me to believe that it is unfair that I should have been charged such high fees when I tried NUMEROUS times in person to correct this and asked them to opt me out of any and all overdraft options numerous times. 

I am not happy and will never refer anyone to this bank because their online banking is the worst. I would change my passwords, my login info and it never mattered. Nothing I used would work to access the account. Even when I called it was nothing but a hassle. 

I don't think I should have to pay that much money when I tried every way I could to prevent it from happening and they did nothing to protect my account. 

I even opened another personal account thinking that if my money went there, I would avoid overdraft fees because I have NEVER agreed to opt in and when you review the application and account information you will see the people who helped me never checked that off preventing it from happening. 

I believe they're running a showdy operation and take unfair advantage of people because we don't have access to the backend to know whether or not our personal requests have been activated. 

In addition, I was never told that the biz account wasn't closed down and money continued to be sent there when it shouldn't have. As a result, they continually took money from me for fees. I AM NOT HAPPY ABOUT THIS AND THINK THEY NEED TO BE INVESTIGATED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
On XX/XX/2021, Midland Credit Management served me with a notice to appear to a pre-trial conference/mediation, alleging I owed them {$3300.00} on a credit card debt originally issued by XXXX XXXX , which they had purchased. This was the first time I heard of that alleged debt. I called their lawyer up and ask for details. The lawyer asked if I knew of an address in Kentucky, which was totally unknown to me. Upon a quick investigation with the vendor, it appeared I was victim of identity theft. I filed a report, appeared at the pre-trial conference, and submitted a Counterclaim in the Small Claims Court. The derogatory report submitted by Midland to the various CRAs resulted in StudentAid declining me a {$30000.00} Parent Plus Student Loan for my son who is in Senior year in College, and for his landlord declining me as a guarantor for his lease. My son was in mental health therapy at the time and this additional stress clearly aggravated his condition. I asked for {$8000.00} on damages.

A couple of days after the conference, Midland asked the Court to dismiss their claim, and filed a Motion to Dismiss my Counterclaim, arguing that " Courts have consistently concluded that the FCRA does not provide a private cause of action for violations of Section 1681s-2 ( a ). See 15 U.S.C. 1682s-2 ( d ) : Longman, 702 F.3d at 151 ( " [ T ] he statute plainly restricts enforcement of [ 15 U.S.C. 1681s-2 ( a ) to federal and state authorities. " ), '' and concluding " Even assuming all of the allegations were true and taken in the light most favorable to the Defendant, the Counterclaim would still fail to state any claim upon which relief may be granted under the FCRA. '' I was served with the Motion to Dismiss on XX/XX/2021. 

I have not heard from the Court yet, and I would like to know if indeed Midland 's assertion that I have no cause of action is correct. If it is, please let me know how best handle this matter in order to obtain proper redress. Thank you.

Company response to consumer: Closed with explanation