vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Placement Services, LLC
State: IL

Complaint narrative:
For a year and a half, I have disputed an alleged outstanding balance from XXXX  XXXX XXXX from service on XX/XX/2021. During my visit with my provider on XX/XX/2021, I was asked if I was interested in genetic testing. I made it clear that I was not interested and this statement was marked clearly in my medical chart. The alleged outstanding balance is directly connected with a service ( XXXX XXXX XXXX XXXX XXXX XXXX Includes XXXX Analysis ) that I declined verbally and said declination was clearly documented in my medical record. The continued claim that this balance is outstanding is inappropriate as I did not consent to this service to begin with. 

I have sent dispute letters to XXXX, to XXXX  XXXX XXXX, to the first collection agency XXXX XXXX XXXX XXXX XXXX, and to the second collection agency Professional Placement Services , LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-07-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: State Collection Service, Inc.
State: IL

Complaint narrative:
For a year and a half, I have disputed an alleged outstanding balance from XXXX XXXX XXXX from service on XX/XX/2021. During my visit with my provider on XX/XX/2021, I was asked if I was interested in genetic testing. I made it clear that I was not interested and this statement was marked clearly in my medical chart. The alleged outstanding balance is directly connected with a service ( XXXX XXXX XXXX XXXX XXXX XXXX Includes XXXXXXXX XXXX  ) that I declined verbally and said declination was clearly documented in my medical record. The continued claim that this balance is outstanding is inappropriate as I did not consent to this service to begin with. 

I have sent dispute letters to XXXX, to XXXX  XXXX XXXX, to the first collection agency State Collection Service , Inc., and to the second collection agency XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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: MI

Complaint narrative:
The credit bureau allowed Third party credit investigating bureaus To use my personal information and to file my right to privacy by revealing my financial and personal business for them to use to make a determination on my credit worthiness without my consent which is a violation of my right to privacy and is also identity DEF under the fair credit at consumer law. All consumers have a right to privacy and a right to have their consumer reports reported properly and used properly

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 2022-07-18 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: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
Someone tried to obtain a vehicle using my information. Inquiries are on my credit that I never authorized.

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 2022-07-18 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: NY

Complaint narrative:
On XX/XX/XXXX, I received a letter from XXXX XXXX stating that they were incorrectly reporting a bankruptcy on my credit profile. I sent a copy of this letter to Experian and asked them to certify this account on my profile. Experian said they spoke with someone at XXXX and that Experian was able to certify this account. I asked Experian for the name, address, and direct contact to the person they spoke with. I asked Experian several times to disclose this important information to me in order to resolve the account that is inaccurately reporting on my credit profile. My latest communication to them was on XX/XX/XXXX. Also, in this dispute I asked Experian for their investigation process regarding the Bankruptcy. In the end, I did not receive any specific information regarding who it is that Experian spoke with and how to directly contact this person who certified this account, so that I can resolve the issue and reconfirm the bits of information Experian did give to me. On XX/XX/XXXX, Experian stated : " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
If our reinvestigation has not resolved your dispute. '' However, no investigation has been shared with me and I asked for a specific name of a natural person that they spoke with at XXXX so I can directly contact this person they say certified this bankruptcy. I provided a copy of the XXXX letter to Experian on several occasions and to no avail, as Experian is responding with an automated computer to my investigation request. I am still in dire need to speak with someone to remove this inaccuracy from my credit file.

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 2022-07-18 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: GA

Complaint narrative:
Been trying to fix this problem for a long time. A lot of information is incorrect. I cant receive a proper credit report. Ive put in an identity theft report. Ive placed fraud alerts to all three bureaus.

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 2022-07-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: NE

Complaint narrative:
I am not responsible for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I recently requested to get a capital one credit card. In the past, I did have one ( almost 10 years ago ) and unfortunately I was a single mom and my fiance up and abandoned me. At that point, I couldn't afford to pay my bills. When I go a new job and re-stabilized I settled the debt over the phone and got everything taken care of. Now it has been almost 10 year and I receive a letter denying me a card for the past account. 1st of all, its been longer than 7 years. 2nd of all, the debt was settled!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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: GA

Complaint narrative:
Been trying to fix this problem for a long time. A lot of information is incorrect. I cant receive a proper credit report. Ive put in an identity theft report. Ive placed fraud alerts to all three bureaus.

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 2022-07-18 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: TN

Complaint narrative:
In Accordance with the Fair Credit Reporting Act XXXX  Accounts XXXX XXXXXXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX Account number XXXX XXXX XXXXXXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX  XXXX Account number XXXXXXXX XXXX Account number XXXX 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. The listed above accounts have violated my rights and tarnished my credit history, these fraudulent accounts have been added to my credit report. I tried reaching out to the fraudulent accounts and as a result nothing has been done but they keep reporting negatively.

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 2022-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE
State: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/2022 XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Transunion XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX RE : XXXX XXXX XXXX XXXX Protected Consumer to TRANSUNION XXXX XXXX XXXX. I am a natural person who is at all times relevant. My XXXX Report shall always be FAIR and EQUITABLE to me. TRANSUNION, XXXX, AND XXXX are each reporting this XXXX XXXX CCOUNT on my Consumer Report, I am requesting a complete reasonable INVESTIGATION AND PROVIDE FOR MY RECORD MANDATED PHYSICAL VERIFIABLE PROOF investigation into all accounts before placing these accounts on my Consumer Report. I AM REQUESTING YOUR ARBITRATION AGREEMENT, ACDV FORMS, CARBON COPIES, FROZEN SCANS FROM YOUR INVESTIGATIONS, AND WHAT PROCEDURES ARE USED IN YOUR INVESTIGATION. EACH CONSUMER AGENCY is required by FCRA to have a copy of the original creditor 's documentation on file to verify this information is correct and is in fact mine. PROVIDE THIS ORIGINAL DOCUMENTATION REQUIRED UNDER ( SECTION 609 a1a ) AND ( SECTION 611 a1a ) SEND THE CONSUMER CONTRACT WITH MY SIGNATURE ON IT. UNDER ( SECTION 611 5A ) you are required to delete unverifiable information.

The law is very clear as to the CIVIL Liability and the remedy available to me for negligent noncompliance ( SECTION 617 ) if you fail to comply. I am litigious Consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Send updated Consumer Reports. Send Consumer File.

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 2022-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
Yesterday XX/XX/2022 i was trying to buy tickets to XXXX  concert from what seemed like a fan twitter user account XXXX XXXX on XXXX who said they had 3 Tickets available. They wanted {$250.00} each but i said I couldn't do that much and they said they could go lower. I said i could do {$120.00} each. They sent me a screen recording of the ticket which looked real. 
So they asked could i do {$130.00} each and I said ok and so i zelled money to an email account they told me and they asked for email to transfer the tickets from ticketmaster and i did so. Then they said had to talk to bf and then came back and he said that was too low and asked can i do more. So i said i could do {$30.00} more and they said the bf bank acct messed up and could they send to a phone number that said was an apple pay account and i told them i dont have that. They came back with a different zelle and i sent the XXXX Then i asked them To transfer and 20 Min went by and they said they would. Then they blocked me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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: TX

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

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 2022-07-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

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 2022-07-18 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: FL

Complaint narrative:
XX/XX/2022 XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX RE : XXXX XXXX XXXX XXXX Protected Consumer to XXXX XXXX XXXX EQUIFAX. I am a natural person who is at all times relevant. My Consumer Report shall always be FAIR and EQUITABLE to me. XXXX, XXXX, AND EQUIFAX are each reporting this XXXX XXXX CCOUNT on my Consumer Report, I am requesting a complete reasonable INVESTIGATION AND PROVIDE FOR MY RECORD MANDATED PHYSICAL VERIFIABLE PROOF investigation into all accounts before placing these accounts on my Consumer Report. I AM REQUESTING YOUR ARBITRATION AGREEMENT, ACDV FORMS, CARBON COPIES, FROZEN SCANS FROM YOUR INVESTIGATIONS, AND WHAT PROCEDURES ARE USED IN YOUR INVESTIGATION. EACH CONSUMER AGENCY is required by FCRA to have a copy of the original creditor 's documentation on file to verify this information is correct and is in fact mine. PROVIDE THIS ORIGINAL DOCUMENTATION REQUIRED UNDER ( SECTION 609 a1a ) AND ( SECTION 611 a1a ) SEND THE CONSUMER CONTRACT WITH MY SIGNATURE ON IT. UNDER ( SECTION 611 5A ) you are required to delete unverifiable information.

The law is very clear as to the CIVIL Liability and the remedy available to me for negligent noncompliance ( SECTION 617 ) if you fail to comply. I am litigious Consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Send updated Consumer Reports. Send Consumer File.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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: GA

Complaint narrative:
Equifax, XXXX and XXXX have all failed to update my XXXX XXXX XXXX XXXXXXXX XXXX  credit card account monthly as required by law under the Fair Credit Reporting Act. This gross negligence on behalf the three major credit bureaus has adversely impacted my credit score and my financial health.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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: FL

Complaint narrative:
XX/XX/2022 Experian XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX RE : XXXX XXXX XXXX XXXX Protected Consumer to EXPERIAN, XXXX. I am a natural person who is at all times relevant. My Consumer Report shall always be FAIR and EQUITABLE to me. XXXX, EXPERIAN, AND XXXX are each reporting this XXXX XXXX  ACCOUNT on my Consumer Report, I am requesting EACH AGENCY complete a reasonable INVESTIGATION AND PROVIDE FOR MY RECORD MANDATED PHYSICAL VERIFIABLE PROOF investigation into all accounts before placing these accounts on my Consumer Report. I AM REQUESTING YOUR ARBITRATION AGREEMENT, ACDV FORMS, CARBON COPIES, FROZEN SCANS FROM YOUR INVESTIGATIONS, AND WHAT PROCEDURES ARE USED IN YOUR INVESTIGATION. EACH CONSUMER AGENCY is required by FCRA to have a copy of the original creditor 's documentation on file to verify this information is correct and is in fact mine. PROVIDE THIS ORIGINAL DOCUMENTATION REQUIRED UNDER ( SECTION 609 a1a ) AND ( SECTION 611 a1a ) SEND THE CONSUMER CONTRACT WITH MY SIGNATURE ON IT. UNDER ( SECTION 611 5A ) you are required to delete unverifiable information.

The law is very clear as to the CIVIL Liability and the remedy available to me for negligent noncompliance ( SECTION 617 ) if you fail to comply. I am a litigious Consumer and fully i
ntend on pursuing litigation in this matter to enforce my rights under the FCRA.

Send updated Consumer Reports. Send Consumer File.

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 2022-07-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Back in XXXX had had gotten onto a three month plan to help bring my account up to speed. I had previously had issues logging into my XXXX XXXX account as it kept saying it was not a secure network. 

I agreed to an automatic payment plan for three month to be put back on track. The employee accidentally skipped a month of the automatic payments and caused me to show as delinquent still and not following the agreement. 
I called in over the weekend and spoke to a manager who understood what had happened and told me he would mark the account as up to date for XXXX payment once it was made. I asked if I made the payment over the phone that day if it would count for XXXX and he said YES. I verified that I would not owe again until XXXX and he said yes. He stated my next payment in XXXX would be around XXXX dollars or less. 

I checked my account today because I was hoping the late fees or at least some would be forgiven since the employee had made the mistake during set up for the payment plan. I instead saw that I now owe for XXXX still, {$65.00}. 

When I called in I was told that the payment was processed correctly and that I still owe for XXXX. I have been lied to twice by them now whether it was intentional or not about my account and my ability to trust them. I am genuinely trying to turn my life around and fix all of my finances but this company is making me feel very much like they will do anything to hit my credit score repeatedly and hit my account with late fees every chance possible.

I was told there was no note of the manager I spoke to tell me I would not owe again until XXXX. I told the man I spoke to that I was in a financial pinch but that I would make an extra XXXX dollar payment for XXXX early to bring my account up to speed.

Company response to consumer: Closed with monetary relief