vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
On or about XX/XX/2023 I contacted Capital One credit card customer service and requested to have my credit report updated as a courtesy due to late payment reported. I advised them I was out of the country due to a death in the family and was unable to make my payment, they asked that I mail a letter to them explaining the same and it would be removed but to avail. I then disputed this via credit bureaus and no help. At this point I want to validate the credit card account in question.

Creditor Information CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: Exeter Finance, LLC.
State: TX

Complaint narrative:
After checking my most recent consumer report I noticed some late payments continuing to show to on my consumer report from EXETER FINANCE LLC. 
15 USC 1681a ( 2 ) ( a ) ( i ) ( 2 ) Exclusions. - Except as provided in paragraph ( 3 ), the term consumer report does not include ( a ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. The law above CLEARLY states the consumer report DOES NOT INCLUDE transactions or experiences. Transactions, when broken down, is transactional history. Late payments are a form of transactional history. 
Your company is in clear violation of 15 USC 1681a ( 2 ) ( a ) ( i ) as explained above and 15 USC 1681b ( a ) ( 2 ). 15 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with written instructions of the consumer to whom it relates. I did not give this company WRITTEN INSTRUCTIONS to furnish ANYTHING to my consumer report, let alone LATE PAYMENTS! Delete the late payments listed above from my consumer report IMMEDIATELY! Failure to complete the task of deleting the late payments from the above-mentioned accounts will result multiple violations of 15 USC 1681 and all of its subsections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ERC
State: FL

Complaint narrative:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: OR

Complaint narrative:
Transunion and XXXX are still reporting too collection accounts XXXX XXXX and XXXX XXXX XXXX XXXX XXXXXXXX could not verify and has already deleted from my credit report

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 2023-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
I already submitted a complaint in which LVNV FUNDING LLC said they would remove the debt from my credit report in which they did for a week and then put it right back in the amount of {$1100.00}. Please remove this from my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
They have repeatedly violated my rights as well as the Fair Credit Reporting Act. Despite the several correspondences Ive had with them, they refuse to correct and continue to report inaccurate and unverifiable derogatory information about me. 
For one, I filed and informed XXXX and experian of an identity theft report in regards to the XXXX account and I also Informed them the information on the XXXX account was incorrect and derogatory and it needed to be deleted immediately. I have requested verification of this debt per my consumer rights pursuant to the Fair Credit Reporting Act. They have allegedly verified this account several times electronically with the original creditor but never once to me as mandated by law. 
Secondly, I've actually disputed with XXXX XXXX and XXXX XXXX XXXX several times directly who simply refuses to validate the debt they claim I owe as requested per the FDCPA

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 2023-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Went to dentist I was told I needed an XXXX  on one tooth. Had the tooth started and dentist put in the screw for the XXXX  and it became XXXX. Then Covid-19 hit and I had several appointments that they cancelled. Over 9 months went by i called the dentist again and again I was told the tooth was completed by I had no tooth on the screw at that time. So I had to get the work finished by another dentist. The new dentist called and they also told them it was finished and gave them a hard time on finding the information from them to finish the tooth. Finally they were able to finish it costing me {$1700.00}. 
I stopped paying the first credit dental payments so I could pay the other dentist that finished the tooth. Last year I had to get the tooth fixed again due to XXXX costing another {$2000.00}. 
I have contacted the company and the dentist but they refuse to make any changes. 
Now the credit card company has ruined my credit and up the cost do to extra interest for no payment. The bank of the credit card keeps calling with an automated system to call them. 
I called and told them repeatedly that the tooth was never completed by that dentist they tell me I have to take the dentist to court. 
I have dental record and receipts for the work done. This original dentist has no record of the tooth being completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: SC

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLANT. I'm not using any third party for this matter and represent myself by myself. I'm sending this complaint because I have pulled up my credit report just recently and I noticed some hard inquiries from companies that I did not give consent to access my credit reports ; I am very concerned about all activity going on with my credit reports these days. I immediately demand the removal of these inquiries to avoid any confusion as I DID NOT initiate these inquires or give any form of consent electronically, in person, or over the phone. I am fully aware that without permissible purpose no entity is allowed to pull my credit unless otherwise noted in section 604 of the FTCRA. The hard inquiries that are being disputed, do not belong to me. My position is being clearly stated, these hard inquiries do not belong to me, meaning that you are reporting inaccurate information within my credit file. YOU are reporting the INQUIRIES that are the result of the fraudulent activities. Therefore, these inquiry must be deleted from within my credit file. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that this Inquiry is being disputed is because it waw not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that this inquiry was made by me, they must be removed from my credit file. I have filed FTC report for this matter. Here are the list of these fraud items : 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 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 Please remove these items from my report as soon as possible, I have included the copy of my SSN, driver license, proof of address and copy of FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Vehicle loan or lease — Loan
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: Westlake Services, LLC
State: IL

Complaint narrative:
Was involved in car accident in XXXX of XXXX, insurance paid vehicle off and I received remaining funds of pay out. Loan was closed in XXXX but was reopened stating that I n had owed more money. I contacted finance company and no one could explain to me as why loan was reopened or what money was owed after payout. After 90 days I check my credit score to see that they reported my loan standing as 90 days late and has been reporting late payments up to XX/XX/XXXX. I contacted credit bureau and they validated it each time I filed a complaint. Contacted finance company close to end of XXXX and they submitted me paperwork saltatimg loan was never late or pass due and in fact it was clear and paid off back in XXXX of XXXX. Contacted credit bureau after my findings and after their investigation again they stated that my pass due amount were yet again valid. Contact finance company again after that and they said that they were working on it but after my recent dispute again, they notified me once again that finance company reported everything as valid.

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 2023-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Phoenix Financial Services LLC
State: NY

Complaint narrative:
One of my family members, an adult received XXXX XXXX. He signed for financial responsibility for the services " He '' received. He chose the doctor, went to their facility, signed off on financial responsibility for himself. ( I do not ever recall signing as a guardian or financial responsibility for an adult, The probability of being out of state at that time is very high. ), Phoenix Financial placed this on my credit as a collection without notification to me and it must be removed. 

I attempted to resolve this and stated that I was not the recipient of the services provided and that I did not sign as a responsible/financial responsibility for the services provided. So they would have the opportunity to correct the actions they took. No remorse, plenty of sarcasm and they continued to state that it was in dispute of which I do not believe such, and they are not going to give me a letter of deletion for my lender until I give the money for services that I did not receive nor took financial responsibility for. I am also making a complaint to the State 's Attorney 's Office per a conversation with your office.

I am not the party, It should not have been in my name. They continue to attempt to collect the debt from me and attempted to get me to do a verbal agreement with them to pay. I have a mortgage pending and need a deletion letter from my report or this will cost me tens of thousands of dollars. 

Also I did not give them permission to enter into a verbal contract nor agreement for something that is not my responsibility. 

This is not my debt or responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX 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.

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
Consumer complaint received 2023-05-01 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: NY

Complaint narrative:
My identity was stolen and I found two fraudulent accounts on my credit report. One was a collection account from XXXX XXXX XXXX XXXX XXXX with account number XXXX, and the other was from XXXX XXXX XXXX with account number XXXX. These accounts were a result of identity theft and have significantly damaged my credit score. It was devastating to discover these fraudulent accounts as they had already negatively impacted my credit health. I took action by reporting the fraudulent accounts to the credit bureaus, which resulted in a fraud alert being placed on my credit report. In addition, I contacted the companies responsible for issuing the fraudulent accounts. Although the process was time-consuming and challenging, I persisted. Dealing with identity theft was difficult and stressful. I filed disputes with three credit bureaus, and two of them took action and deleted all the fraudulent accounts from my report. However, Transunion has not yet removed the fraudulent account from XXXX XXXX XXXX XXXX XXXX with account number XXXX. It is still on my credit report as I submit this complaint, and it should not be there.

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 2023-05-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH

Complaint narrative:
I completed a trial plan after my struggles with XXXX. I was told all arrearage including escrow shortage would be put to the end of the loan. My payments at that time was {$1600.00}. After making 6 payments and keeping the account current I received a communication that after a recent escrow analysis my payment would be going up to {$3800.00}. After being blindsided by this I immediately called SPS. The young lady said she could extend the escrow out 36 months versus the current 12 months. After " I '' helped her with the calculations she submitted it to her supervisor and was immediately turned down. She advised me to fill out an RMA online for additional help. I then filled out the application stating my issue and submitted. The next day I received a denial. I signed up for paperless that is why the denial came so quickly. I then called back, bagging for help. The new agents advised they sometimes extend escrow 24 month, but not for me. Yes, " but not for me ''! She also stated the first agent just wasted my time as they would not look at an RMA for escrow. The new agent asked to take a payment knowing i couldn't afford it. No sympathy, no empathy!!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COLLECTIONS USA, INC.
State: GA

Complaint narrative:
I have repeatedly told them ( Collections USA ) for the last couple of years that this debt is not mine. In XXXX, someone called me and I explained to him that I did not live at the apartment during that time. He stated he will look into it but I never received a call back. XX/XX/XXXX its was put on my credit and I disputed it. They stated it was correct and sent me an itemized billing statement with dates that were past my move out date and lease. 

I also have called the original creditor. They stated they will investigated but I have not heard anything back. 

I stayed at this apartment ( XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX. Did all of the proper move out procedure with my roommate at the time due to it being a student apartment. I paid the last months rent and turned in my keys on the move out date of XX/XX/XXXX. I also moved to another apartment in XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc.
State: MA

Complaint narrative:
My debt went to collections after confirming with XXXX that they payment arrangement has been made. Been making faithful payments every single month with no lapse. Credit Management LLC can not give me a clear answer why this was reported to the credit bureau after making faithful payment. This was the agreement we had since XXXX and 2 days after taking {$100.00} on XX/XX/20 they submit to the credit bureau for non-payment. This is not reasonable to me as to why this happened. I don't have anything negative in my credit account, now I can not purchase a home with this issues over my head.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: AZ

Complaint narrative:
Im accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX AZ, XX/XX/2019 has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A Section : 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 2023-05-01 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: AZ

Complaint narrative:
Im accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX XXXX AZ, XX/XX/2019 has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A Section : 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 2023-05-01 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: AZ

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account CAPITAL ONE, 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 any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect
State: WI

Complaint narrative:
On XX/XX/2023 I disputed 4 individual accounts to Americollect which is station in XXXX, WI. and they replied by sending me a bill with my personal health information XX/XX/2023. Simultaneously on XX/XX/2023 I disputed with all 3 Credit Bureaus " XXXX XXXX XXXX XXXX '' and all 3 Credit Bureaus removed account # XXXX On XX/XX/2023 I sent 3 individual validation letters disputing the remaining 3 out of 4 accounts and Americollect responded with a bill from account # XXXX addressed from XXXX, Texas. I was astonished by this because Americollect is based out of XXXX, Wisconsin. Now, the first validation letters came from Americollect out of XXXX Wisconsin. This last letter with the bill inside is from XXXX, Texas. If Americollect couldn't validate account # XXXX from the first validation letter from XX/XX/2023, how can they verify the remaining 3 accounts?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation