vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Spring Oaks Capital, LLC
State: CA

Complaint narrative:
In XX/XX/2022, I sent certified letters to the law offices of XXXX and XXXX in XXXX XXXX, Ca telling them that the debt doesnt belong to me that my name is XXXX XXXX XXXX not XXXX XXXX for that is my fathers name and I have no knowledge of this debt and is not my debt. I received no response then on a random day when I returned home from a work trip and vacation I have a random court summons saying Im being sued by XXXX XXXX XXXX. The document was left on my door steps and mustve flew around because my neighbors shared they had to grab the papers from blowing away. I was not properly served nor this this debt mines and they yet to provide the original purchase agreement with the terms and conditions that shows I owe this alleged debt. This is poor practice for I feel harassed, Im embarrassed, and this is on my credit report and it is doesnt belong to me. Please help and stop these predators for illegally trying to sue people and get judgements because the individual is not aware. Ive a victim of identity theft and my police report file number : XXXX XXXX police department XXXX XXXX XXXX dispatcher XXXX XXXX id # XXXX Identity theft File # XXXX I also sent another certified letter requesting the original purchase agreement again on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
Navy Federal put in my account {$500.00} that was a dispute in XX/XX/2022 and then on XX/XX/2022 then decided to denial the fraud credit and put it on my account without any notice

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXXXXXX 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 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 2022-12-17 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXXt # XXXX XXXX and 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account # 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 explanation
Consumer complaint received 2022-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I bought a XXXX XXXX from XXXX for {$1100.00} I didn't need the product so I returned it, XXXX weeks passed and I got no refund so I opened a claim with my bank to get my money back, my bank being incompetent and unable to read a tracking ID sided with XXXX. Its now been XXXX days at the time of me writing this without my refund and I would just like my money back. In my bank account this transaction shows up as XXXX for {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I applied for a credit card with Commenity Bank. The credit card was for XXXX XXXX XXXX XXXX. Commenity bank said they could not help me because all my credit bureaus are frozen. This is not true my credit bureaus have never been frozen. I have called commenity 22 times to work this out. Now has hit my credit bureau twice but claim they have not because its frozen. I have sent proof with this complaint. My credit score has lowered 22 points because of commenitys errors. I would like my XXXX credit card sent to me as I have great credit and income. And my Bureaus are not frozen. Ss # XXXX d/o/b XX/XX/1967

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-17 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX failed to provide documentation due to it's have the wrong social security on file does not have state identity card number by government law wrong personal use my personal information with a different social security number these should be removed off my credit report should not be reported no more

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH

Complaint narrative:
ARS is in violation of FCRA, FDCPA as well as HIPPA laws! This company has not provided proof that I owe them any debt by way of contract. They also are in violation of the Gramm-leach-Bliley Act for sharing my information with anyone before getting my prior expressed permission or giving me the option to opt-out of third party sharing of any alleged debt/information. They are also furnishing this alleged debt ( account : XXXX ) inconsistently on all 3 credit bureaus which is a violation that can be remedied with an immediate deletion of the account and no reinsertion! This account is causing severe damage to my finances!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
I am continuing to get monthly statements that are affecting my credit. My purchase was cancelled before it even arrived. They continued to charge me for shipping and interest. I paid that to get them off my back but they are now calling again. Ive spoken to multiple people there that confirmed the account should not be active.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account # 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 2022-12-17 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account # 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 2022-12-17 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: Consumer Adjustment Company Incorporated
State: FL

Complaint narrative:
On XX/XX/17 a second dispute was completed on a collection showing on my XXXX credit report. The institution that has filed the claim. Is not an accredited business with the XXXX, you can not get any documentation from the company to verify the information. At no time did I enter into any agreement or accept the amount being filed against me. I have no letters, voice mails, missed calls, emails, text etc. to verify they even tried making contact with me prior. Complete fraudulent and false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 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: CA

Complaint narrative:
Paid off XXXX card in XX/XX/XXXX. 

Company decided to stop reporting my balance once paid off. 

Followed up XX/XX/XXXX and I was told a system update has taken place and they have decided not to report anymore. 

I asked if they could share my balance was {$0.00} and that they actually owed me XXXX cents with the agencies and they said that they couldnt. Possibly in XXXX. 

This has been hurting my score and has me at a 103 % utilization. 

I was also told I can not receive statements unless I make more purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX reported on XX/XX/XXXX in the amount of {$56.00}, XXXX XXXX XXXX reported on XX/XX/XXXX in the amount of {$65.00} XXXX XXXX XXXX in the amount of {$55.00} reported on XX/XX/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 2022-12-17 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX  reported on XX/XX/XXXX in the amount of {$56.00}, XXXX XXXX XXXX reported on XX/XX/XXXX in the amount of {$65.00} XXXX XXXX XXXX in the amount of {$55.00} reported on XX/XX/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 2022-12-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
Despite repeated requests, I have not received the title to the vehicle that I purchased off lease from Hyundai. I purchased the vehicle and made payment in full, from the expiration of my lease, in XX/XX/2021. I contacted them repeatedly via email to get the title released to me. They have failed to issue the title at required by the sale agreement and under law.

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 2022-12-17 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX  XXXX ; XXXX XXXX XXXX Account # 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 2022-12-17 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX  XXXX ; XXXX XXXX XXXX Account # 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 2022-12-17 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: CA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX  XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX,, ha

s 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 2022-12-17 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: CA

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX  XXXX XXXX # XXXX XXXX XXXX  - XXXX XXXX  XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX  XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX,, has XXXX 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 2022-12-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In XX/XX/2022 government/federal agencies over XXXX student loan accounts were closed in my name because the servicer contracts werent renewed. These loans were transferred to a new servicer/bank and therefore they reflect over XXXX new inquiries on my credit report. My credit score dropped XXXX points over night. I didnt close these accounts personally. The contract with the servicer ended and this is out of my control that new inquiries were made on my behalf without my consent and my credit score is penalized over XXXX points as result. This isnt fair or just.

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 2022-12-17 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: EQUIFAX, INC.
State: PA

Complaint narrative:
In XX/XX/2022 government/federal agencies over 30 student loan accounts were closed in my name because the servicer contracts werent renewed. These loans were transferred to a new servicer/bank and therefore they reflect over 30 new inquiries on my credit report. My credit score dropped XXXX points over night. I didnt close these accounts personally. The contract with the servicer ended and this is out of my control that new inquiries were made on my behalf without my consent and my credit score is penalized over 40 points as result. This isnt fair or just.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 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: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I have been trying to remove these items from my credit report for over a year. I have tracking # proof also. My pastor told me about the 609 law and helped me write a letter of intent to all XXXX credit bureaus. They have not responded or provided any proof of these debts that are not mine. I am trying to purchase a home and this is causing a huge problem. 
XXXX : MIDLAND CREDIT MANAGE for {$980.00} XXXX MIDLAND CREDIT MANAGE for {$2400.00} XXXX Inquiry date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
XX/XX/XXXX opened Creditor : XXXX XXXX XXXX XXXX XXXX : COMMONWEALTH FINANCE XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX These guys " XXXX XXXX XXXX '' are totally a scam. A ghost number that is no longer working and if you look up the address " XXXX XXXX XXXX, XXXXXXXX XXXX. '' is an empty lot. 

So, I'm calling Commonwealth the agency sending this to my credit reports on Monday or so. 

Please get these guys straight they seem to be taking, buying, and or other illegal fraudulent actions in obtaining my info from medical billing systems. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 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. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 person knows or has reasonable cause to believe that the information is inaccurate.

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