vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-13 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-04-13 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Accounts reporting late payments when they should not on all three major credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: TN

Complaint narrative:
To whom it may concern, I am tired of getting the run around! I have verified my identity several times regarding this matter ; I have called and emailed every company that I was advised to do but nothing has been done. I have not authorized XXXX XXXX  XXXX to run my credit! XXXX XXXX XXXX has distributed my report with out my knowledge & consent on these dates! 
XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I did not give this permission!

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 2022-04-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kansas Counselors, Inc.
State: MO

Complaint narrative:
I pulled my credit report from All three credit bureus ( XXXX, XXXX, & XXXX ) for the sake to see what is on there to clean up and improve my Credit Score. I Notice this Company was on my Credit report. I sent several letters complaining to both the Credit Bureus and This Company and to remove the Hard Inquiries and Negative Account information from my credit report for about a year now give or take. So far there are no results. I believe it is fraud and a scam collection company trying to get money from me and pretending to be representing on behalf of another random company. My goal is to simply get this company and their negative claims and Hard Inquiries to be permanently removed and deleted from my credit report from all 3 Credit Bureus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: MI

Complaint narrative:
On XX/XX/2022 a store credit card was filled out at the store XXXX that has a HIGH inquiry that I did not authorize consent..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK
State: IL

Complaint narrative:
Hello, I applied for a new discover card on XX/XX/XXXX in hopes of doing a balance transfer. I have notice of the promotion giving me until XX/XX/XXXX, to take advantage of the balance transfer. Once I created my account, I tried to initiate the balance transfer on XX/XX/XXXX. A discover representative told me that my offer had expired on XX/XX/XXXX and there was nothing they could do to honor the date I was originally provided. Discover provided me with false information and also gave me an unreasonable timeline for me to complete my balance transfer. In addition, between my account application date of XXXX, I was never notified via email that my balance transfer promotion was going to expire. Also, I was not able to complete an online account until I received my card in the mail. I did not receive my card until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
I sent a certified letter on XX/XX/2021 to Navient asking them to stop contacting me about my student loans. They continue to call me, at least once a month, including calling family member 's whose numbers I never gave them. They are also reaching out via email to multiple email accounts. The phone calls and emails have been increasing in frequency ( now at least weekly ) in the past month. I have told multiple representatives that I do not want to be contacted about this debt, that I am aware it exists but am unable to pay. I have told them that I sent a certified letter asking for them to stop contacting me. I told them to stop harassing me and my family. I would not be surprised if they are reaching out to old employers as well, as they have in the past. I received another call today, less than a week since I spoke to the last representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: TX

Complaint narrative:
I just called to open up a dispute. And the young lady never said my card was going to be turned off. This is the only money I have access to PERIOD. This is absolutely ridiculous. She asked if anyone else has access to my card. I answered no. I explained I wanted to open a dispute because I placed and order. Paid almost a XXXX to get delivered in 3 days. It's now 7 days. She never once said. My card was being deactivated. Understand I have not one dollar. All my money is on this prepaid card with NetSpend XXXX XXXX XXXX XXXX XXXX : XXXX XX/XX/22

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 2022-04-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
To whom it may concern, I am tired of getting the run around! I have verified my identity several times regarding this matter ; I have called and emailed every company that I was advised to do but nothing has been done. I have not authorized XXXX XXXX  XXXX to run my credit! XXXX XXXX XXXX has distributed my report with out my knowledge & consent on these dates! 
XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I did not give this permission!

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 2022-04-13 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: TN

Complaint narrative:
To whom it may concern, I am tired of getting the run around! I have verified my identity several times regarding this matter ; I have called and emailed every company that I was advised to do but nothing has been done. I have not authorized Equifax Mortgage Services to run my credit! Equifax mortgage services has distributed my report with out my knowledge & consent on these dates! 
XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I did not give this permission!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
My husband and I have received repeated calls from HARRIS & HARRIS daily. We usually do not answer, my husband did. When he answered the phone, the debt collector asked to speak with the wrong person ( not my name ). We asked who it was and what the call was about and she said it was regarding a ticket from XXXX  in XXXX XXXX. She stated she was calling from Harris & Harris then asked to confirm address information which was also wrong and outdated. We confirmed the zip code of the address she had on file and the debt collector then read off her disclaimer that this was an attempt to collect a debt and any information used will be obtained for that purpose. We informed her that she was actually in violation of 15 USC 1692b ( Acquisition of Location Information ), in which she was required by law to identify herself, state that she is correcting location information, identify her employer and NOT state that such consumer owes any debt. We also informed her that we had not given written permission for any phone calls which was very inconvenient because she called repeatedly. 

She clearly violated my rights as the consumer and natural person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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 Reporting Act XXXX  Account # XXXX US DEPT ED, Account # XXXX XXXX/XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX 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 : also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C. 1681 states : If any person takes any adverse action with respect to any consumer that is based in whole or in part on any information contained in a consumer report, the person shall ( 1 ) provide oral, written, or electronic notice of the adverse action to the consumer ; ( 2 ) provide to the consumer written or electronic disclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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 Reporting Act XXXX  Account # XXXX US DEPT ED, Account # XXXX USDOE/XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  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 : also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C. 1681 states : If any person takes any adverse action with respect to any consumer that is based in whole or in part on any information contained in a consumer report, the person shall ( 1 ) provide oral, written, or electronic notice of the adverse action to the consumer ; ( 2 ) provide to the consumer written or electronic disclosure.

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 2022-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Arnold Scott Harris, P.C.
State: MO

Complaint narrative:
I received a call from Arnold Harris office stating that I owed a debt to Kansas, however, I haven't received anything from Kansas with the bill. The tax preparer just filed my XXXX taxes on XX/XX/XXXX. I originally filed them in the fall of XXXX, but the CPA switched software putting it unto this year, so said that to say there is no way I could be sent to collections before taxes are done, to know what was owed and or the fact that absolutely no bill has been received, so how can a company send you to collections without even making you aware of the business matter. I don't have proof of what you are claiming because I haven't received anything. When the rep called I told her I wasn't aware, and she said she didn't get the notice that went to " XXXX XXXX XXXX XXXX I stated no and that, that wasn't my correct address. I had also told her to send me something in writing because I didn't know what she was talking about. I also received a letter in the mail dated XXXX, again, if XXXX taxes were just filed on XX/XX/XXXX. How from XXXX to XX/XX/XXXX, I am receiving a " Collection Notice '' which means the previous creditor would have had to contact me but they did not. The notice states that " I have ignored demands '' but I have never received anything prior to this call early last week and this letter this week, that i mentioned above.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This XXXX XXXX CARD has not been updated since XX/XX/2022, it should have been updated for XXXX being that the balance was paid in full. It about to be time for a whole new statement In a few days for XXXX and they never updated XXXX statement info, I should get XXXX points back because they took XXXX points from me for this account in XXXX for my being not even a week late.

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 2022-04-13 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Accounts reporting late payments when they should not on all three major credit reporting agencies.

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 2022-04-13 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Accounts reporting late payments when they should not on all three major credit reporting agencies.

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 2022-04-13 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting a debt that is not mine nor do I have awareness of. I attempted to call their phone number but it is disconnected. On XX/XX/20 I disputed this account with Experian and it was removed. 11 days later it was added back and not removed

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 2022-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SUNRISE CREDIT SERVICES, INC
State: WV

Complaint narrative:
This company called and will not disclose who they are. They are also spoofing local phone numbers and not using their own number to show up on caller ID and admitted they were not calling from that number.

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 2022-04-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
XX/XX/XXXX XXXX  and XXXX. XXXX, CA My Insurance was/is XXXX with XXXX XXXXXXXX XXXX 
XX/XX/XXXX XXXX XXXXXXXX XXXX sends invoice for services doing business as XXXX XXXX XXXX XXXX is to made out to : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX in XXXX XXXX, NV XXXX Partial listing of my letter writing attempts to resolve this issue : I wrote to Envision at the address in XXXX XXXX explaining I am waiting for the XXXX information to verify my share of the cost. No response I receive an invoice from XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX  in which the 'Explanation ' column indicates 1. Insurance coverage terminated 2. Insurance patient responsible : no coverage on DOS. 
I write to XXXX XXXX XXXX XXXX XXXX XXXX XXXX  in XXXX XXXX confirming my XXXX and XXXX XXXX  coverage. No response. 
From XXXX I received detailed information regarding all other related costs. I have yet to receive from XXXX any information related to this cost. 
XX/XX/XXXX I received a letter from debt collector XXXX XXXX XXXX XXXX. I respond that the debt is in dispute. 
My further attempts to resolve this issue include On the Internet I found a local office for XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XX/XX/XXXX I sent letters via Certified Mail to Envision in XXXX XXXX *Same XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX in XXXX XXXX XXXX XXXX XXXX 
XXXX, CA XXXX All of the letters were accepted at the addresses. No responses. 
XX/XX/XXXX I receive letter from debt collector Credence Resource Management Texas license. Mailing address : XXXX XXXX, XXXX, MI XXXX. I respond by Certified Mail 1. Debt is in dispute 2. I want them to send me name and address of original creditor. No response. 
XX/XX/XXXX I receive a phone call from Credence. The phone volume of the representative was hard to understand. We confirmed my home address and I hung up. I am sending a letter via Certified Mail telling Credence to cease from contacting me and reporting to any relative company or credit bureau that the debt is in dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-13 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: TX

Complaint narrative:
I asked for inquiries to be removed and Equifax responded by saying that they contacted the furnisher and results were mailed to me. I would like for the results to be sent via email or through the CFPB portal being that I submit documentation through this portal. I should not have to wait when results can be delivered now. This is a stall tactic. I have included my id for proof of identification. Please remove the 3 inquiries from my credit report. The complaint id to reference is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: CA

Complaint narrative:
All of this started in XX/XX/2022. I had a lot of fraudulent transactions on my statement, I filed a dispute claim with the dispute team at Chime online banking, I received a provisional credit which was reversed without reason. I have been going through this until now XXXX. I repeatedly asked them for a printout showing the transactions since then, but they closed my account completely in XX/XX/XXXX, then they sent me a printout on the XXXX. I was shocked, it showed all my money was gone and all the fraudulent transactions are on the printout. I tried calling company, l but since they disabled my online banking and my cards were not working since XXXX how could i transact any business. I got several conflicting emails from them wanting me to send them a selfie with my drivers license, todays date and phone number on a sheet of paper held under my chin. I did this a number of times, but they kept making me jump through hoops with different reps, never the same one. The crazy thing is I had people calling me saying that they were affiliated with chime, but when I asked the Chime representatives about it, they said they don't call customers. I sent them communication that i received from them, and them screen shots and forwarded them emails. I have been lied to so many times, and then i got the silent treatment for a few days and then they had the nerve to say after careful consideration the had to end our relationship. I am out of {$16000.00}, my printout show XXXX  deductions, XXXX XXXX in XXXX XXXX, XXXX XXXX XXXXXXXX etc. I really need a breakthrough in this madness, I am a XXXXXXXX XXXX  veteran, age XXXX yrs. I've filed a police report, ftc report, talked to my social worker, fbi report, nobody seems to be moving at all on my behalf. I even reached out to the local news media, but no response yet. I had to resort to borrowing money from family members to keep from being XXXX. Help me please!!

Company response to consumer: Closed with explanation