vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-23 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: AZ

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 




XXXX NAME : XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiries : 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 Collections : XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 
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 EMPLOYER : XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Collections : 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 EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : 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 EMPLOYER XXXX XXXX XXXX XXXX XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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: AZ

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 




XXXX NAME : XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiries : 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 Collections : XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 
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 EMPLOYER : XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian ADDRESS : 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 Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 Collections : 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  ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiries : 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  EMPLOYER XXXX CXXXX XXXX XXXX XXXX Collections : 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 2022-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I have received several calls and voicemails from Ace Cash. Today at XXXX XXXX I answered the phone from XXXX. The person simply asked for my name. I confirmed I was who she intended to call and she simply stated that I owed some debt without futher description of why of over {$1000.00} and asked how I would pay and to provide my credit card information over the phone. No further information was provided. I informed her that was not the case, that I thought this was a scam and hung up. I XXXX this Ace Cash and read that this is a frequent scam. I called the number back and was asked for a Case Number or to promptly provide my social security number. I informed the person who answered the phone that I am an attorney well versed in how debts should be collected ( I am in-house counsel for a bank ) and that I wanted more information to file a CFPB claim against Ace Cash and was promptly placed on hold and the line never picked up and a series of pre-recorded prompts read about call volume. Interesting, given there was zero time to pick up the call to speak with me initially. I have never taken out a loan with Ace Cash nor do I owe any debt to Ace Cash and this is clearly a scam. I appreciate your prompt attention to shutdown this scam. I get at least 2-3 calls per week from this entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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: TX

Complaint narrative:
in accordance with the Fair credit Reporting Act, XXXX Account # XXXX has violated my rights 15 U.S.C. 1681 Section ( 602 ) states that I have the right to privacy. 15 U.S.C. 1681 Section 604 ( A ) Section 2 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 2022-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
This complaint is an ongoing issue with " XXXX XXXX XXXX, XXXX ''. This company is continuing to report a debt that I did not create, to all three credit bureaus. A fraud report was sent to the FTC regarding this account as well. 

A " Capital One account, account # XXXX '' In addition, They are reporting and attempting to collect on another fraudulent debt regarding my deceased mother. My mother became deceased on XX/XX/2019 ( see exhibit 3 ). Exhibits 4a thru 4f shows the many letters that I and my family have continued to receive from this company, which is being addressed to my mother. 

A " Capital One account also, account # XXXX '' My mother never opened any credit card accounts since the mid XXXX 's and that account was an XXXX XXXX XXXX card. First and foremost my mother has never used a computer in her life ( which was the only way this account could have been established, there are no Capital One physical offices in our area ) and was in her late XXXX 's when she passed away. 

XXXX XXXX XXXX, XXXX do not have any ideal of the validity of the accounts they buy in bulk. This company 's business model is completely broken, most importantly, they're continuing to violate my rights under the Fair Debt Collection Practices Act and now they are violating my families rights and the legacy of my deceased mother. There's absolutely no legitimate information that could possibly connect my mother to opening any credit card accounts after the mid XXXX 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
XX/XX/2021 and XX/XX/2021- Mr. Cooper reported a missed/late payment on my credit report. I have spoken with multiple different people at Nation Star Mr. Cooper. I also emailed them with emails and statements stating I made said payments. with that being said, they never corrected the issue. I am now trying to refinance my home loan and I am running into issues doing so, since there are missed/late payments on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX section XXXX A. XXXX 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 2022-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Im currently overdrawn but should not be. I use my debit card for 98 % of my transactions and I was told by a customer service representative that debit card transactions affect your balance right away. If that is true then I should not be overdrawn. For example I had and authorization hold in the amount of {$790.00} from XXXX. I ended up canceling part of my order therefore Im expecting that once I receive my order the hold would be lifted and the correct amount which totaled {$350.00} to be debited when the hold lifted but it did not to my disbelief the transaction was not debited until sometime early Wednesday morning. Because I paid with my debit card then the transaction should have affected my balance right away not XXXX after the factXXXX XXXX XXXX  transactions are instant so why are they pending? If the funds were not available then the transaction should not have took place. Im assuming funds were available because my online banking app showed me a balance that would cover my XXXX XXXX  transaction. But Ive got an overdrawn account because the transaction stayed pending for days instead posting instantly. Ive had nothing but bad experiences from the start. My tax refund check had a hold put on it when I deposited it via mobile phone. I was given the run around about how the federal reserve had not released the funds yet until I did my own check verification and disclosed to the customer service support supervisor whom I was speaking with that I was on the Federal Reserve check verification page and it stated that the check had been cashed. Only then did I get the hold removed on XX/XX/XXXX instead of XX/XX/XXXX mind you that it was deposited Friday XXXX. Ive had issues with XXXX payments through the chase mobile bank app. Ive been locked out my account 3 times in one day back to back to back. Ive been charged atm fees but Ive manage to get some of them waived but Id like them all waived. The nearest chase bank is located XXXX away and there are not any chase atms located anywhere unless there is a chase bank. Highly disappointed. Finally the chase secure banking is designed to prevent being overdrawn because you can only use the funds available in your account. I chose this account for that very reason. If I do not have it I can not spend it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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: CO

Complaint narrative:
I was under forbearance, due to covid, It was not supposed to effect my credit.

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 2022-06-23 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: CO

Complaint narrative:
I was under forbearance, due to covid, It was not supposed to effect my credit.

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 2022-06-23 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: AMA Advisors, LLC.
State: CO

Complaint narrative:
I was under forbearance, due to covid, It was not supposed to effect my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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: CA

Complaint narrative:
XXXX XXXX XXXX furnished a collection on my consumer report. Where did this collection come from?? 
XXXX XXXX XXXX, YOU ARE BREAKING THE LAW. 
See exhibit attached, the notice is to inform you that you have unlawfully reported an alleged debt to my consumer report. Under the New Rule REGULATION F, which took effect XX/XX/2021, You XXXX  XXXX XXXX, have violated the FDCPA 1006.30a and its new rule by parking this alleged debt on my consumer reports. Cease and Desist the reporting of this alleged Debt immediately or I will escalate this matter to taking legal action.

I have not given you written permission, nor will I ever give you or any debt collector permission, to put anything on my credit profile 15 USC 1681b2.

You have no permissible purpose by law to contact third parties with my personal information. You actions result in AGGRAVATED IDENTITY THEFT 18 USC 1028A. Knowingly and wilfully transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

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 2022-06-23 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: GA

Complaint narrative:
My personal information with all three consumer reporting agencies : XXXX ; XXXX ; Equifax has different varies of my name. They have the Wrong Social Security Number. They have different phone numbers and addresses that is not mine. I want all document information removed and for them to stop reporting inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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: GA

Complaint narrative:
My personal information with all three consumer reporting agencies : XXXX ; Experian ; XXXX has different varies of my name. They have the Wrong Social Security Number. They have different phone numbers and addresses that is not mine. I want all document information removed and for them to stop reporting inaccurate information

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 2022-06-23 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: Io, Inc.
State: TX

Complaint narrative:
Asked for verification of debt sent two letters with no response twice over 30 days. I have verification from recieve receipts from USPS -Reporting Act 611 ( a ) ( XXXX ) and Section609 ( a ) ( 1 ) ( A ) -Please be advised that under Section 611 ( 5 ) ( A ) ( 7 ) of the FCRA you are required to DELETE all information that can not be verified

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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: Maximus Federal Services, Inc.
State: KS

Complaint narrative:
I want the student loan debt removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kansas Counselors, Inc.
State: NE

Complaint narrative:
I had car accident on XX/XX/2019 and my car was hit and I forget to provide my medical insurance card to hospital at register and had time to bring back to hospital and providing it and after that I had many bills send with same information to provide way to pay medical bill related to incident and I answered the caller from Kansas counselors agency and its collection agency and the amount was even different its was {$31.00} and then {$150.00} and after that I had also another collection bills for {$1100.00} and its had my son name and he never been to hospital he was only with during accident but he had no injury and so XXXX XXXX XXXX charged my son for nothing too.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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:
CFPB, WHY DID YOU CLOSED ALL MY COMPLAINTS? PLEASE STOP AND MOVE IT FORWARD. 

TO WHOM IT MAY CONCERN : I am filing a complaint beside FCRA, fair credit and billing act but also HIPPA violation for 3rd party collection calling and asking questions about my medical conditions. I have no knowledge of these following accounts that appears on my credit report. Im exercising my right under the Fair Credit Reporting Act to request further information about items on my credit report and request under the fair credit and billing act for information on what give the companies the right to collect on these accounts. I am requesting full validation for the following account names as it appears on my credit report : XXXX XXXX XXXX XXXX acct # XXXX Original creditorXXXX XXXX XXXX Balance {$790.00} I wish to see the original sources of the information reported. If you cant provide me with this information, please remove these account or correct as in good standing immediately as neither your agency nor I can verify that they are reported accurately. Please do not send back to me as its Factual or Updated. This is not proper in the investigative process. Please provide the name and phone number to person your bureau has spoken with. 
Based on the FCRA and FTC Law, all information must be accurate, no errors and verifiable. 
Sincerely,

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