vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I submitted a FTC dispute letter and proof of identity to Experian XXXX and XXXX on XX/XX/2022, they received this information on XX/XX/2022 and I have yet to be informed about the status of the accounts in question. According to the FCRA these fraudulent accounts should have been removed from my credit report within 4 business days and I actually allowed them 5. The accounts are as follows XXXX XXXX {$0.00} Balance, XXXX  XXXX  {$0.00}, DEPT OF EDXXXX {$4500.00}, DEPT/ED XXXX {$8100.00} , DEPT/ED XXXX {$2900.00} XXXX Included below is my FTC Report, Dispute letter to each bureau and the method I sent it, over night for XXXX and Experian and via fax for 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 2022-05-13 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
Today I got an email from a company stating " Southwest Recovery Services is a debt collector. 
We are trying to collect a debt that you owe to XXXX XXXX XXXX  dba XXXX XXXX Texas We will use any information you give us to help collect the debt. '' I verified that the debt that was assigned was actually paid already. I contacted the collection agency to advise them of the dispute and was told " the debt will remain in collection until XXXX XXXX tells them otherwise. good luck to you. '' and then the agent termed the call. I called back and spoke with a manager and he said proof of burden was on me, that i need a letter from their client stating it was an error otherwise collections will continue. I asked if i could send proof it paid to dispute. He said no, that their client needs to contact them then hung up on me when I told him they needed to provide proof of the debt becuase i have proof its not valid.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I filed XXXX claims Claim ID : XXXX for XXXX XXXX $ Someone bought XXXX using my account and the bank refused to lend me anything back. I filed reports immediately and swapped my card, but no action was ever taken.

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 2022-05-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BAS Receivable Management Inc.
State: CO

Complaint narrative:
Please send me email if you need more informations

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 2022-05-13 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This letter is to be taken as my formal complaint that you are reporting inaccurate credit information on my credit file. I am quite miffed that you have included the following information on my credit report. These inaccurate items are not only embarrassing, they are preventing me from obtaining the credit I deserve. As you and I are both aware, there are laws that ensure that credit bureaus report only accurate credit information. It is evident that the inclusion of this inaccurate information is a mistake on either your part or the reporting creditors part. It is with great concern that I insist you verify that this information is incorrect and delete it from my profile. Due to the damaging effects of such negative inaccurate information, I must insist that this is done swiftly. Be advised that I have an adult son with the same name. 

There should only be XXXX hard inquiries on all XXXX reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX should be the only address on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 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: PA

Complaint narrative:
This letter is to be taken as my formal complaint that you are reporting inaccurate credit information on my credit file. I am quite miffed that you have included the following information on my credit report. These inaccurate items are not only embarrassing, they are preventing me from obtaining the credit I deserve. As you and I are both aware, there are laws that ensure that credit bureaus report only accurate credit information. It is evident that the inclusion of this inaccurate information is a mistake on either your part or the reporting creditors part. It is with great concern that I insist you verify that this information is incorrect and delete it from my profile. Due to the damaging effects of such negative inaccurate information, I must insist that this is done swiftly. Be advised that I have an adult son with the same name. 

There should only be XXXX hard inquiries on all XXXX reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  should be the only address on my reports.

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 2022-05-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
I called the collection company Debt recovery solutions and told them it not me never been on that XXXX also dispute a couple of times and nothing. 
Debt Recovery Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
They said they well investigate it and thats all they told me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc.
State: CT

Complaint narrative:
XX/XX/XXXX I applied for an installment loan of {$500.00} with Moneylion. Per Moneylions website and policy, only 1 loan can be given at a time. Once that loan has been paid off, the consumer can then apply and receive another. I paid that loan off XX/XX/XXXX as it shows last payment received and applied for a second one. I paid that loan off and took out another one XXXX XXXX. Mind you both loans were on auto pay. The second loan was being taken out of my account every month then about end of XXXX, they stopped taking it out and then charged it off. At the time the balance left was XXXX yet on the credit report shows " account charged off. {$420.00} written off, {$300.00} past due. How can you write off more then the past due. They are a fraudulent predatory company with incorrect reporting 's. How can I have two active loans out at the time in XXXX if both their website and customer service have stated only 1 active loan can be open at a time. 

I have tried to dispute this with both XXXX and the XXXX bureau 's with no help. When I pull my reports, they aren't even reporting anything correctly on both XXXX and XXXX. XXXX shows no payments made on loan 1 yet the balance is lower then the initial {$500.00}. On XXXX, its showing the XXXX  months I made payments on the loan then went to XXXX, 60 days late. When I disputed the incorrect reporting, they tried to adjust the balance to {$30.00} in XXXX of XXXX, XX/XX/XXXX it was put on {$460.00}, then in XX/XX/XXXX went back to {$30.00} and then back to {$460.00}. They have been falsely reporting it since XXXX and has affected my credit. 

The second loan is showing last payment made XX/XX/XXXX but when you look at the report, no payments were made so clearly nothing matches up with any of the reports and details as they are trying to do this.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 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: NY

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 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: Avant Holding Company, Inc.
State: IL

Complaint narrative:
I received an alert from XXXX XX/XX/22 saying that a credit card was opened in my name with Avant LLC. I immediately reached out to Avant LLC to report it as fraud. I tried to dispute the inquiry/account to XXXX as fraud, but XXXX rejected the dispute. 
I placed a freeze with all XXXX credit bureaus & I am trying to prevent & /or remove any further attempts of inquiries. 
Yesterday I received a letter from XXXX XXXX  saying the my application for an XXXX XXXX  card needed more info as I had the freeze on my SSN. 
This morning I received a call from XXXX  XXXX XXXX saying it needed to verify some things before beginning the process of the card application. 
I have also been made aware that there is an address listed in my XXXX XXXX file that I have never lived at & doesn't actually exist. It says that my name is on the title for the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
XX/XX/XXXX I receive an email from Venmo informing me that my account is permanently frozen. They also stated my funds would be released to me WITHIN 180 DAYS. 

( Hopefully a human being with some common sense is still reading this. ) XX/XX/XXXX I receive an email from Venmo informing me that the funds that were previously under review ( the only funds I have in Venmo are those we are referring to. ) Are now able to be withdrawn as a standard transfer only, to my bank account. 

XX/XX/XXXX I see the email mentioned above and try getting signed in. I had to email support to assist me on getting signed in. 

XX/XX/XXXX They successfully get me signed jn. I then try to add a bank account to withdraw my money to. However theres a restriction on my account that is preventing me from adding a bank account manually or instantly through Plaid. I again contact support and receive a response that a special team will be assisting me and to wait for their email. I decide Ive waited long enough to receive my money and call support. I was on the phone for 6 hours calling Venmo and being on hold for the most part. I get no assistance. 

XX/XX/XXXX I again call Venmo support and am on the phone for over 6.5 hours. Finally I speak with a supervisor XXXX who says he knows exactly whats wrong and reached out to a friend in another department. After a few minutes XXXX informs me that I can now add a bank. He stays on the phone with me as I make the withdraw. I mess up and send it to the old bank account on file. So XXXX cancels it and walks me through withdrawing my funds. He confirms it has gone through on his end. 

XX/XX/XXXX The money I withdrew the day before is now back Im my balance. So I contact Venmo over and over desperately looking for someone to help me as I never received any correspondence from Venmo regarding my withdraw being canceled. I then speak with a woman who says Ill be emailed. 
I receive the email stating I can not withdraw my money ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have contacted XXXX In XX/XX/2022, XX/XX/2022 and XX/XX/2022 about ( XXXX ) two unauthorized inquiries that they are reporting on my credit report. I contacted the two creditors JPMCB Business Bank ( bank ) and XXXX XXXX XXXX ( finance ), they said they contacted the credit bureaus to let them know they weren't any transaction or permissible purpose between them and me. These inquiries are affecting my interest rate to potential loans I am applying for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 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: Mercedes Benz Financial Services
State: FL

Complaint narrative:
I have contacted XXXX In XX/XX/2022, XX/XX/2022 and XX/XX/2022 about ( 2 ) two unauthorized inquiries that they are reporting on my credit report. I contacted the two creditors XXXX XXXX Bank ( bank ) and Mercedes Benz Financial ( finance ), they said they contacted the credit bureaus to let them know they weren't any transaction or permissible purpose between them and me. These inquiries are affecting my interest rate to potential loans I am applying for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  Account # XXXX XXXX  Account # 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 2022-05-13 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-05-13 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 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: FL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 UCS 1666B : A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for and purpose

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 2022-05-13 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: EQUIFAX, INC.
State: MD

Complaint narrative:
When I went to a car dealership and they stated that they were only going to use one bank and I said that was fine because I had my own financing but they could beat it with one company. I find out months later that they sent my credit to a lot of people because I was getting letters saying I was either approved or didn't accept credit. I also see Hard pulls I did not authorize as well.

I just want these removed because it has added a lot of Hard inquiries and has hurt my credit score hard.

Company response to consumer: Closed with explanation