vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: OR

Complaint narrative:
I had an account with Midland credit management on auto pay for over a year now. Always paying as agreed. I got a new debit card from my bank, my old one expired on XX/XX/22. All of my XXXX payments went through, no problems, except this one with Midland. On the XXXX they say it didn't go through. They then turned it over to collections on XX/XX/22. I tried to get them to fix it and put it back how it was and pay the " late '' payment if they removed it from my credit report like it was before. I was told they would not remove it unless I paid it in full. Now my credit is being affected because they reported it, and it was not my fault the payment did not go through, my card was valid until XX/XX/22 And then I activated the new one I received. I just want it put back how it was and continue my payments without it being on my credit report. I have screenshots of the entire chat with an account manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On XX/XX/2022, pursuant to 15 U.S. Code 1681i, I requested the description of the procedure of reinvestigation from Transunion ( complaint # XXXX ). On XX/XX/XXXX, Transunion responded that they would respond within 60 days. According to FEDERAL consumer law, This information was to be received within 15 days of the receipt of the complaint. As of today, XX/XX/2022, this information has not been received and therefore Transunion is in VIOLATION of my consumer rights. Since Transunion continues to violate my consumer rights and be willing fully negligent as it pertains to my file, I will be filing a dispute in small claims court to seek remedy for said violations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I have multiple voice mails from Comenity bank regarding a XXXX XXXX. I dont know this man. I have had this phone number for 7-8 years. I told XXXX XXXX and XXXX XXXX that this number is not associated with XXXX XXXX and they keep harassing me. They call multiple times a day. My voicemail states this is the voicemail of XXXX XXXX. They are just harassing me at this point. They were obviously given a fake number by a thief. Not my problem. They refuse to give me there mailing address so I can send a cease and desist order. XXXX is one number they call from. When I block their number they call from an unknown number. Thats straight up harassment. The office number they leave on my voicemail is XXXX ext XXXX. Another ext XXXX from XXXX XXXX. I also have a message from XXXX XXXX, XXXX from XXXX ext. XXXX. The number XXXX shows XXXX XXXX. They are spoofing the phone numbers. Illegal. I want them to be held accountable for their constant harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: MN

Complaint narrative:
I got a letter saying I owe XXXX XXXX  but I closed that bank account and there was nothing on it that's what I was told and I fixed what was going on and I get mail from XXXX saying I been billed by buying XXXX  products and I don't have an XXXX I have an XXXX  phone and I don't know why I'm getting billed for anything I closed everything down and saying I accidentally opened an account that I didn't even need at all and they closed it so why am I getting something in the mail that says I owe 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 2022-04-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
Hospital never sent claim to insurance company. Therefore by the Medicaid law. Im not suppose to be billed for services while on Medicaid

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX account XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX has violeted 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-09 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: CA

Complaint narrative:
I called the three reporting agencies about some fraudulent inquiries I found on my credit report. Each bureau told me to file a ftc report and I did just that along with my dispute letter, id, copy of my social security card, and copy of a utility bill. Its been well over 50 days and nothing has happened, the fraudulent inquiries are still there.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I checked my credit report recently and discovered that this company is reporting a debt that does not belong to me and is damaging my credit by reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 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: AZ

Complaint narrative:
I need clarification as to why you are reporting certain information on my credit report. Please review the following : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, are both charge off the status and balance of these accounts are 100 % inaccurate if any debt was written off the balance should read {$0.00}. 7 CFR 1782.3 Charge-off. Write off of a debt and termination of servicing activity without the release of liability. A charge off is a decision by the Agency to remove debt from Agency receivables, however, future payments may be received. If you Can not Verify this account is reporting 100 % Accurate and Without Error, Immediately Delete This Account from my credit file.Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. I am not in dispute of the ownership of the account but if you are unable to to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. Violation of fcra 623 ( a ) ( 7 )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC.
State: LA

Complaint narrative:
The XXXX XXXX XXXX was traded in the month of XX/XX/XXXX. Ally Financial has reported a late payment. I called today and they are now saying the dealership is responsible for {$95.00}. They were paid in full and Ally has confirmed they have been paid by the dealerhsip. I have a confirmed tracking number from the dealership. Ally has never contacted me about any of this. Now I have a late payment and owe a balance. I called Ally Financial today and this was the information I was told. I now have to contact the dealership about the {$95.00} although the payoff amount was stated at the time of the trade in.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 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: WA

Complaint narrative:
XXXX XXXX CREDIT CARD WITH ACCOUNT [ XXXX OPENED XX/XX/XXXX AND balance i paid off this account but it's still showing that i owe a XXXX $ XXXX XXXX XXXX XXXX with account [ XXXX opened on XX/XX/XXXX and a balance of XXXX $ i paid this account off this account but 's still showing that i owe a balance, XXXX  XXXX unsecured loan with account XXXX opened on XX/XX/XXXX and balance of XXXX $ i paid off this account but it ; s still showing that iowe a balance

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-09 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: WA

Complaint narrative:
XXXX XXXX CREDIT CARD WITH ACCOUNT [ XXXX OPENED XX/XX/XXXX AND balance i paid off this account but it's still showing that i owe a XXXX $ XXXX XXXX XXXX XXXX with account [ XXXX opened on XX/XX/XXXX and a balance of XXXX $ i paid this account off this account but 's still showing that i owe a balance, XXXX  XXXX unsecured loan with account XXXX opened on XX/XX/XXXX and balance of XXXX $ XXXX paid off this account but it ; s still showing that iowe a balance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
UPDATE AFFIDAVIT OF FACT WELLS FARGO FRAUDULENTLY CONTINUES UNFAIR & DECEPTIVE BUSINESS PRACTICES THAT LEGAL AID OF XXXX XXXX XXXX " XXXX '' DESCRIBED DURING A XX/XX/2022 XXXX. CONFERENCE CALL " ASK A LAWYER '' AS CONTINUED FRAGRANT ABUSWE OF CONSUMERS REPORTED TO CFTC THIS CONTINUES TO INCLUDE FALSE NARRATIVE CONCERNING LACK OF HOMEOWNERS AVAILABILITY BY PHONE TO DISCUSS THE " ISSUES '' THE " ISSUES CONTINUE TO BE THE INFLATED COST OF ESCROW THAT DOES NOT COMPARE WITH THE XXXX XXXX OFFICES FOR TAXATION, THE INSURANCE COMPANY CONCERNING COSTS TO INSURE AND MOST RECENTLY THE DISTRUBING ISSUE THAT WELLS FARGO ACQUIRED A " STRUCTURALLT DAMAGED PROPERTY MORTGAGE '' FROM XXXX XXXX WHO MISS REPRESENTED PROPERTY VALUE DUE TO THE STRUCTURAL DAMAGE THAT HAS LITERALLY SHOULD PLACE THE PROPERTY FOR CONDEMNATION UNTIL EITHER RESTORED ( WHICH IS NOT SUSTAINABLE BY THE OWNERS ) OR DEMOLISH THE STRUCTURE & SELLING THE LAND @ A VERY HIGH VALUE. THE LATTER CAN NOT BE ACCOMPLSIHED UNTIL THE PROPERTY IS RAZED. 

WELSL FARGO HAS REFUSED TO INTERVENE & PURSUE WHAT SHOULD BE JOINT DAMAGE WITH THE OWNER TO SECURE DAMAGES BECAUSE XXXX XXXX  LIB AILITY IN VIOLATION OF STATE OF NEVADA REQUIRED DISCLOSURE LAWS. 

WELLS FARGO PER THIS AFFIDAVIT HAS REFUSED TO COMMUNICATE SOUND FINANCIAL FIGURES FOR THE ESCALATION OF ESCROW & UTTER VIOLATION OF THE AUTOMATIC WITHDRAW OF FUNDS SINCE ACQUIRING THE MORTGAGE FROM XXXX XXXX. 

WELLS FARGO MUST REIMBURSE XXXX XXXX FOR THESE INFLATED WITHDRAWS THEY MUST INSIST THAT XXXX XXXX BE HELD ACCOUNTABLE FOR THE FRAUD THAT THEY HAVE IMPLEMENTED & AS A RESULT PROVIDE DAMAGES TO BOTH WELLS FARGO & XXXX XXXX PROMPTLY & WITHOUT DELAY. 

FURTHER EVIDENCE OF FRAUD : @ THE VERY LAST MEETING BEFORE XXXX XXXX DISAPPEARED & WAS A NO SHOW TO MEET @ THE XXXX XXXX XXXX XXXX XXXX STATED THAT EVERYTHING WAS FINE & THAT THE APPLICAITON WOULD BE APPROVED BEFORE THE HOLIDAY! 

HIS DISAPPEARANCE WAS BOUGHT UP TO ASSUMING SUPERVISOR WITH NO AFFIMRATIVE ACTION- ITS LIEK THE MILLION PLUWS FRAUDULENT ACCOUNTS THAT WELLS FARGO XXXX IN A XXXX XXXX XXXX PROGRAM! 

THEY CHOOSE NOT TO ADDRESS IT- BUT STATE FALSELY THAT FINANCIAL INFORMATION REQUESTED WAS NEVER PROVIDED. 

WHAT IS THERE EXPLANATION FOR NOT CLOSING ON TIME THAT COSTS XXXX XXXX {$1500.00} IN EARNEST MONEY?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 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: WA

Complaint narrative:
XXXX XXXX CREDIT CARD WITH ACCOUNT [ XXXX OPENED XX/XX/XXXX AND balance i paid off this account but it's still showing that i owe a balancXXXX $ XXXX XXXX XXXX XXXX with account [ XXXX opened on XX/XX/XXXX and a balance of XXXX $ XXXX paid this account off this account but 's still showing that i owe a balance, XXXX XXXX unsecured loan with account XXXX opened on XX/XX/XXXX and balance of XXXX $ XXXX paid off this account but it ; s still showing that iowe a balance

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I paid the account in full on XX/XX/XXXX. I have submitted documentation of the balance paid, but the account was updated as accurate and that I infact owe this money, when I DO NOT OWE ANYTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Company is reporting a debt on my crisis that is not mines I have never done business with their client

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 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: AR

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account numbers : 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
Consumer complaint received 2022-04-09 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: AR

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account numbers : 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 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 — Overcharged for something you did purchase with the card
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am selling some items on XXXX XXXX. This individual " XXXX XXXX '' ( XXXX XXXX  ) XXXX or XXXX... made an appealing offer that they were going to pay me {$400.00} but I had to send {$300.00} first in order for my account to become a business account. However, I soon realized that ZelleXXXX never had such an extensive process and the transaction itself took so long so that's when I connected the dots. If you're ever in this situation, try to keep in contact with the scammer for as long as possible and get as much information as you can. I am secretly reporting this individual in hopes to get my money back. Watch out for yourselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Card acct # XXXX XXXX XXXX XXXX has violeted 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-09 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX has violeted 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I called and asked why was these account 's showing up on my report and the credit reporting agency told me that i had applied for credit. I have not applied for credit at these companies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX US SMALL BUSINESS ADMINISTRATION 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 2022-04-09 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: Exeter Finance, LLC.
State: CA

Complaint narrative:
I have been a victim of fraud for since 2008. Im a XXXX XXXX XXXX XXXX. I served XXXX wars for my country. While XXXX my identity was stolen. Ive written XXXX, XXXX, and XXXX XXXX several times about fraudulent inquiries and fraudulent accounts. Ive disputed these items for years. They still appear on my credit file and its impacting me to be able to get a home and other credit. Please assist. 
The accounts are as follow : XXXX XXXX, XXXX XXXX, XXXX XXXX, which are all paid in full even though theyre fraudulent accounts. Exeter Finance which is a loan I never opened. And over 20 inquiries which theyre shouldnt be none. Please help me. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Last year between XXXX - XX/XX/XXXX I used XXXX XXXX to open 2 disputes with Transunion regarding incorrect balances owed on 2 seperate credit card accounts. The accounts were showing balances instead of showing 0 balance. I wrote this out in the dispute and requested that the balances be updated. These were my 2 strongest tradelines and updated balances should have improved my scores significantly. Instead of updating the amounts, Transunion deleted both of the credit cards from my report all together. I have called numerous times and requested the reinsertion of these lines on to my report to no avail. As instructed by Transunion, I contacted the 2 credit card companies and have them do a " Request for Reinsertion '' in XXXX XXXX. Transunion STILL has not reinserted these lines. The last conversation I had with them was in XX/XX/XXXX where they were supposed to have a technician return my call. I have not heard back from them. Instead they dropped my score another XXXX points for using a card over 30 %. The 2 accounts missing from my report are : 1 XXXX XXXXd XXXX limit XXXX XXXX XXXX XXXX XXXX XXXX XXXX limit XXXX XXXX XXXX My score should be close to XXXX, but precisely because of Transunion 's negligence and improper handling of my information, my score is significantly lower than what it should be. This is preventing me from purchasing a business right this very minute.

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