vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: UT

Complaint narrative:
Diversified Adjustment Services is attempting to extort money that is not owed by me. I received a collections notice from them in XXXX and sent a letter back demanding debt validation. They failed to provide any validation and reported the collection account to all three credit reporting agencies. I need help getting these false accounts removed from my reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
Here I will list all the companies that the performed inquiries not authorized by me : 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

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 2022-12-11 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: OK

Complaint narrative:
Here I will list all the companies that the performed inquiries not authorized by me : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11 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: The Phoenix Recovery Group
State: TX

Complaint narrative:
Information is not accurate, l 've tried to reach out to the company via call and email with no response. I have also contacted the debt collector who spoke directly with the company themselves however the issue hasn't been resolved. The balance they say I owe is about {$6000.00} which is incorrect & not truthful. The company is attempting to charge me for many things I didn't receive or purchase and now are saying I owe money which is bringing my credit score down.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11 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 started a dispute with XXXX and Equifax. Equifax mailed a prove of identity, for th4 name XXXX XXXX XXXX. I am XXXX XXXX no middle initial, I don't have a XXXX for middle initial. I received dispute results from XXXX with information that I have no knowledge of, that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation
State: OH

Complaint narrative:
On XX/XX/2022 I contacted Fortiva Credit about the process of paying my account in full and closing my account. I was told by a customer representative to send a certified or bank issued check to a given address to which I did. A week later I received a payment reminder of my upcoming payment at that time I called and checked my account status they then proceeded to tell me they havent received my check. They told me it may take up to 10 days to post I kept an eye on my account at ten days I called they then asked me to send my bank information on the check I had sent to a fax number which I did a week later I received a call stating they still havent received my check I again confirmed the address to which I sent to be correct, At this point they told me to re fax my check information to the same number as before I waited for three days and called back went through the whole thing again with customer service at this time I was told that they had given me the wrong fax number I then faxed information again to the new given number. A few days go by and I receive a call stating I was late I again had to explain the situation again and was told to give it a couple more days about 7 days later I received another call and was told I was accruing late charges at this time I contacted my bank and asked to place a stop payment on the check and overnight a new check please my bank asked for me to contact Fortiva for a address to overnight to and a full account number I called customer service they provided me with a overnight address but said it was not possible to provide me with a complete account number they could only provide the last XXXX I then contacted my bank and sent them a payment voucher as I had done with the first check at this point I assumed everything was taking care of but then I get a credit report alert when I checked Fortiva had reported I was 30 days past and do to this my credit report dropped XXXX points. I have never seen a group that was so hard to pay a account in full and close my account as these people ridiculous Thank you XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11 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: IL

Complaint narrative:
Pursuant to 15 USC 1692a ( XXXX ) The term consumer means any natural person obligated or allegedly obligated to pay any debt. Wouldnt I be considered allegedly obligated to pay the debt listed below? Technically debt is a twofold word, it is any obligation or an alleged obligation and you can't choose both. TransUnion LLC Consumer Dispute Center is basically making it an obligation for me to pay on adebt without my direct consent. I XXXX XXXX the consumer never gave TransUnion LLC Consumer Dispute Center any written consent to report anything on my consumer report. No consent is Identity Theft.

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 2022-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I had a removed credit on my account for {$570.00} that says open balance and it was reinserted on my account ; but I no longer have any access to this account nor did I sign off I keep getting calls from different debt collectors!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11 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: CLGF Holdco 1, LLC
State: OH

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX # XXXX as violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 604 A Section 2 : It also states a consumer reporting agency cant furnish a account without my written instructions.

15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: MS

Complaint narrative:
I applied for a credit card account, and received a letter ( see attachment ), stating they can not verify the information in my application and to call a number to speak with a rep within 30 days or the application will not be considered. SO I called the number on the letter and got nothing, was not able to speak to anyone, and I still have no specific letter stating the reason ( s ) /explanation as to why the credit account has not been established as of today 's date XX/XX/2022, ( in accordance with the FCRA ). 

I have a right to know /receive a letter stating specific reason ( s ) why the account has or has not been set up. There is nothing wrong with my credit ( I have several other credit cards and all are current ). So there's no reason why the application should be denied. The letter says Citibank can not " Verify '' the info in my application, why is that? Opening a " secure credit card '' account with my " OWN Deposit '', is what I want to do.

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 2022-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
FINAL NOTICE OF DISPUTE Equifax and XXXX XXXX XXXX This is the last and final notice XXXX XXXX have addressed several points to the validity of the alleged debt you XXXX XXXX XXXX that she does not owe that is reporting on Equifax. I am disputed this alleged debt, make sure that is reflecting on my credit report. 

XXXX XXXX is requesting : ***the credit card agreement/contract, ***consumer file with my signatures for disclosures your company have provided ***Written Permission to report anything on my credit report. 

I do not give permission to report alleged debt on my credit reports. REMOVE IT. 

Pursuant to 15 usc 1692, I cease and desist XXXX XXXX XXXX from reporting anything, communicating with any entity about this alleged debt. 

XXXX XXXX XXXX and Equifax has 30 days to send documentary evidence requested in this letter, remove accounts off my credit reports. If not, I will proceed with next steps for legal action. This is ill affecting my mode of living and this needs to be rectified immediately from COMPANY and CRAs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX  XXXX Account XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX  # XXXX has violated my rights. 
Child Support XXXX XXXX Account # XXXX has violated my rights. 
Child Support XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 

15U.S.C 1681 section 602 A. States I have the right to privacy. 15U.C.S 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 explanation
Consumer complaint received 2022-12-11 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX CAPITAL XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX XXXXLL # 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 explanation
Consumer complaint received 2022-12-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC
State: IL

Complaint narrative:
A account was open with my information that I was not aware of, and I reached out multiple times to the company on my credit for it to be remove since the account was opened fraudulent and now it is on my credit getting harassed daily for something I have no idea about thats why the account was never paid off because I did not open it and now Im receiving mail at my boyfriend parents house when I never put that address in the system.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LJ Ross Associates
State: IL

Complaint narrative:
L J ROSS ASSOC is reporting on my credit. they have violated the fair debt collection practices act by not providing me with information to identify whether the debt is in fact mine or the opportunity to dispute it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 
XXXX Account # XXXX has violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX  XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 

15U.S.C 1681 section 602 A. States I have the right to privacy.

15U.C.S 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 2022-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Every month I put in a request to update my personal information but the credit report keeps showing up the same information each month, nothing is being resolved I keep getting denied for new credit or loan I only have XXXX active hard inquiries open and XXXX hard inquiries non active but it keeps reporting to my reports which Im having difficulty establishing new credit / loans

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 2022-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I opened a citizen student checking in XXXX and there was a promotion " Summary : This offer has returned, and is now valid until XX/XX/2023. 
Get {$300.00} when you open a new personal checking account and make a direct deposit of {$500.00} or more within 60 days. 
Then, earn up to {$100.00} more when you use your newly issued debit card to make purchases. Earn {$2.00} for every qualified transaction within 60 days of opening your account, up to {$100.00} maximum. 
XXXX XXXX XXXX XXXX XXXX XXXX   I made a deposit and met the all requirements. The customer service said the promotion would come at XX/XX/XXXX. However, my account was closed at XX/XX/XXXX. They said I am not qualified for this promotion any more.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11 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: FL

Complaint narrative:
Today XX/XX/XXXX I noticed on XXXX XXXX that there was a alert sent to me for two new credit inquiries in which I did not do. One was from XXXX  XXXX XXXX XXXX  and another one was for a XXXX XXXX I immediately called equifax first to tell them about these fraudulent inquiries. I requested a fraud alert to placed on my account but the representative told me I had to mail information to them in order for it to happen. I tried to go online afterwards to request a fraud alert and to request my credit file just to make sure nothing else fraudulent happened on my file .A error message appeared online saying I was unable to get my credit file and was unable to get a fraud alert placed but to mail information. I am upset because no fraudulent person would go online and request a Fraud alert to be placed on a account. I verified all my information and is still unable to even view my credit report yet the perpetrator is able to use my information and constantly apply for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11 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: MS

Complaint narrative:
On XX/XX/XXXX, someone had used my card with my pin at a local casino close to my house. It was a charge for {$1500.00}. I know for a fact that I had my card on me at the time of the charge. And I never share my PIN number with anyone. So how someone managed to do this completely baffles me. I filed a dispute with my bank, JP Morgan Chase. Not 24 hours after filing the dispute, they denied my request and have charged me the full amount. This was in no way, shape, or form my doing. And its not fair that the bank can take what little money I do have because I cant explain how some scammer cloned my card and hacked my pin. Id really just love for them to respect my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Every month I put in a request to update my personal information but the credit report keeps showing up the same information each month, nothing is being resolved I keep getting denied for new credit or loan I only have five active hard inquiries open and 14 hard inquiries non active but it keeps reporting to my reports which Im having difficulty establishing new credit / loans

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 2022-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Every month I put in a request to update my personal information but the credit report keeps showing up the same information each month, nothing is being resolved I keep getting denied for new credit or loan I only have five active hard inquiries open and 14 hard inquiries non active but it keeps reporting to my reports which Im having difficulty establishing new credit / loans

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I had a Bank of America travel rewards card for some time since XX/XX/2021... I kept the balance low or paid in full. For some reason after have this card for years they suddenly closed the account without warning. This card was kept for purchases and possibly emergency situations. The card was in good standings but for some unknown reason, the bank decided to close it. As a result, this caused my credit score to drop. Sure, over all those years of having the card, I faced some hardships like many other people do but I was not late on the account many times. Nor before closing the account, had I been late for some time. The account was being used responsibly and had an ending balance of XXXX. So I'm trying to understand why would they close this? This was an unfair move by this Bank and I would like my account to be re-established.

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