vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-01 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a credit score over 710XXXX XXXX has me at a score around 592. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I XXXX XXXX XXXX XXXX do hereby rescind the agreement, transaction, for violating Truth in Lending. Please return any and all property as outlined by the law. 
Respectfully, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
It was shown that I applied to a Barclay 's credit card last month. I never consented nor was I even INFORMED that I was getting a credit card. I repeatedly stated i was not interested in ANYTHING they had to offer, let alone a credit card for a company I've never heard of. Only for this card to show as opened days later. I believe it was done on the XXXX and I recieved notifications today of an account being opened.

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 2021-12-01 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 34 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have ( 2 ) collection accounts on my Experian credit report from XXXX XXXX XXXX XXXX located in XXXX, FL that are fraudulent. This company has several complaints online of trying to scam people out of money and throwing fraudulent collection accounts onto individual 's credit reports. This company is a scam and they are trying to collect a debt that is not valid. They stated the original debt is from XXXX XXXX, year XXXX. Whatever this debt is, is 13 years old at this point and illegal to attempt to collect. They placed the ( 2 ) collection accounts on my credit report, stating the date of origination of XX/XX/XXXX- the original creditor verified this is not true. This does not add up. XXXX XXXX XXXX only had my maiden name, not my married name. They also were allowed to apply a hard inquiry on my credit report for new loans or new bank accounts, which Experian will not allow me to remove. Why would Experian allow them to view this information? That makes me even more of a target for identity theft. I verified with the original creditor 's new owner, XXXX XXXX, that no accounts have been sent to collections and they have no record of working with this company. I have already disputed these accounts with Experian and my dispute was denied. Every aspect of this situation smells of fraud, and I have been a victim of identity theft in the past. I am severely that my information is unsecure in the hands of Experian, and they will do nothing to help me delete these invalid items from my report. This item is past the statute of limitations for debt in Illinois to report on your 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 2021-12-01 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: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
i have contacted all 3 credit bureaus as well as XXXX XXXX XXXX  5 times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the 3 bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors,,,,, this account has been re aged which is a violation, this account is reporting a a charge off with a amount of {$510.00} credit limit ... this is a violation as a " charged Off '' account should not be reporting that ... .look at the 2 year history it is not uniform across the board which it should be...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: The Moore Law Group
State: NM

Complaint narrative:
XXXX has filed suit a few years ago but at the time I have been unemployed and have tired to work with this company to repay them, they did not respond to me. And I have asked for documents pertaining to this and have not received anything. It was filed in XXXX XXXX NM and when I did appear for court the company dismissed the case, so the judge stated I was free from this. I am not sure if they are trying to just obtain funds without me contesting it. This is the second time they are trying with another company. From the looks of it that is what I see, trying to get money without me fighting or questioning it. So this is my concern I have tried to work with this company and if they do not want to give me what I have requested I feel that I should not have to pay. It is like they wait and then try to renew the statute of limitation. Like I stated I have tried to work with them but they are not willing to submit documents to me. So I am not sure what more I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: NFM, INC
State: LA

Complaint narrative:
Our home was damaged during Hurricane Ida ( XXXX  ). We received insurance funds from our insurance company in early XXXX. The check was made out to myself, my husband and our mortgage company NFM. We endorsed the check and mailed it overnight to NFM on XX/XX/XXXX, included with the check was a self addressed overnight envelope. 

On XX/XX/XXXX, I contacted NFM to find out the status of the check as we had not received it back yet. At this time, we were told that because our loan was being transferred on XX/XX/XXXX, the check had been endorsed but was sent to the new mortgage company. I was provided the new servicers name, phone number and the tracking info for our check. 

1. As of XX/XX/XXXX we had not been informed- aside from verbally - that our loan was being transferred 2. the check for repairs was made out to NFM XXXX myself and my husband. The new servicer will have no ability to do anything with the check and mailing it to them is simply delaying our ability to finalize the repairs to our home. 
3. as of XXXX I contacted the new servicer and they have no record of myself, or my husband or our loan as our loan has not transferred to them yet. 

We are at a loss about what we can do to get this resolved, and do not wish to assume the financial responsibility of legal counsel unless needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: MI

Complaint narrative:
i have contacted all XXXX credit bureaus as well as XXXX XXXX times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the XXXX bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see,,,,, this account has been re aged which is a violation, this account is reporting a a charge off and it is also reporting a credit limit and a high credit... those are all violations as a " charged Off '' account should not be reporting any of that ... .look at the XXXX year history it is not uniform across the board which it should be...

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 2021-12-01 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: EQUIFAX, INC.
State: MI

Complaint narrative:
i have contacted all XXXX credit bureaus as well as XXXX XXXX times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the XXXX bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see,,,,, this account has been re aged which is a violation, this account is reporting a a charge off and it is also reporting a credit limit and a high credit... those are all violations as a " charged Off '' account should not be reporting any of that ... .look at the XXXX year history it is not uniform across the board which it should be...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: IL

Complaint narrative:
Enhanced Recovery Company , LLC sent a dunning notice dated XX/XX/2021 addressed to me. The notice stated that I owe them an alleged debt of {$270.00} for Account # XXXX. Enhanced Recovery Company , LLC sent the notice to an address where I do not reside. This account is identity theft, I filed a FTC report with the consumer reporting agencies when XXXX XXXX XXXX sold the alleged debt to XXXX, XXXX debt collection agency, their account number for this alleged debt was Account number # XXXX for {$270.00} ( notice both account numbers are different for each debt collection agency ). XXXX terminated collection efforts due to identity theft. I find it strange that Enhanced Recovery Company LLC is collecting XXXX cent more than XXXX, please be know it is against federal law for a debt collection agency to add fees on to a debt balance. Also in order for a debt to be a in fact a debt there must be a transaction involved, I have no relationship with Enhanced Recovery Company LLC so there is no voluntary transaction, I am also not contractually included in the business transaction between Enhanced Recovery Company , LLC and XXXX XXXX XXXX. And from reading my consumer report XXXX XXXX XXXX has charged off this alleged debt which means the alleged debt is not collectable, therefore there is no longer a transaction. If Enhanced Recovery Company , LLC decides to pursue to place this alleged debt that resulted from identity theft on my consumer report, let it be known that I sent Enhanced Recovery Company , LLC a Notice of Dispute ; Demand for Validation and Proof of Claim letter detailing the documentary evidence I will need to validate this alleged debt pursuant to federal law, if I don't receive such documentary evidence in XXXX days your claims of me owing you {$270.00} will be invalid and dismissed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I had a card with this bank that was opened on XX/XX/XXXX for a purchase through XXXX XXXX with a balance of {$870.00}. The card was paid off on XX/XX/XXXX and the account was closed XX/XX/XXXX. This account was used just XXXX time. On XX/XX/XXXX, I returned to XXXX XXXX and paid cash to have my tires rotated and balanced. On XX/XX/XXXX XXXXXXXX XXXX on behalf of XXXX XXXX ran my credit report. I found this out when I ran a personal check of my credit on XX/XX/XXXX. Since I had not applied for credit I called the bank and asked how they had the authority to run a credit check on me. They sent me a letter dated XX/XX/XXXX claiming they ran the check off the credit app I had submitted XX/XX/XXXX. If that is the case then I feel that they are in clear violation of federal law. That application was XXXX XXXX XXXX and the account was closed for 6 years. There was no current application for credit pending. This also begs the question as to why after all the years and just shortly after my visit to XXXX XXXX did my name pop up for a credit check for XXXX XXXX. My opinion is that there is collusion going on between the two entities and XXXX XXXX is a partner in this little scam. I have spoken with XXXX XXXX and they disavow any knowledge of this. I have spoken with XXXX XXXX  and even after sending me a letter which specifically states the reason for the inquiry was the old application, they deny ever running a credit check. Trans Union says they did. XXXX says in writing that they did but orally they claim they didn't. These people seem to have a real problem with the truth.

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 2021-12-01 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: Healthcare Receivables Group, Inc.
State: SC

Complaint narrative:
Healthcare Receivables Group are debt collectors attempting to collect a debt on behalf of medical services I have not received from them. I am not a party to their agreement with XXXX XXXX and I have not agreed to pay anything to Healthcare Receivables Group. I have not provided any releases of my medical information to Healthcare Receivables Group ; I have attempted to mail Healthcare Receivables Group several letters to multiple addresses to allow Healthcare Receivables Group to validate their debt and the mail was ignored. I have no idea how Healthcare Receivables Group received my private medical information. Healthcare Receivables Group have once again damaged my credit scores and violated my H.I.P.P.A. rights and is attempting to collect on an alleged debt that does not belong to me. Healthcare Receivables Group continuously violates the FDCPA by attempting to collect on alleged debts without providing any proof of service or goods. I have proof of previous disputes from Healthcare Receivables Group that was satisfied.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: MI

Complaint narrative:
i have contacted all XXXX credit bureaus as well as XXXX XXXX XXXX XXXX times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the XXXX bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors,,,,, this account has been re aged which is a violation, this account is reporting a a charge off with a amount of {$510.00} credit limit ... this is a violation as a " charged Off '' account should not be reporting that ... .look at the XXXX year history it is not uniform across the board which it should be...

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 2021-12-01 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: EQUIFAX, INC.
State: MI

Complaint narrative:
i have contacted all XXXX credit bureaus as well as XXXX XXXX XXXX XXXX times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the XXXX bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors,,,,, this account has been re aged which is a violation, this account is reporting a a charge off with a amount of {$510.00} credit limit ... this is a violation as a " charged Off '' account should not be reporting that ... .look at the XXXX year history it is not uniform across the board which it should be...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I sent letters to all XXXX credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 34 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Autovest, L.L.C.
State: IN

Complaint narrative:
i have attached XXXX affidavits both notarized as well as letters and examples of laws broke. I want this removed from my consumer report and i want my cash downpayment as well as any other payments i made to this fradulant account. This needs to be removed from my account as you dispute.

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