vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CLGF Holdco 1, LLC
State: IN

Complaint narrative:
I have been receiving calls from a company called XXXX XXXX XXXX XXXX requesting that I call them back regarding a debt that I paid with them. I was suspicious that I had already paid this debt but they had an account number, the name of the company, and the amount owed which all sounded legitimate. I thought I had paid off this debt a long time ago but when I checked my credit report it didn't verify that. Therefore, I paid the XXXX XXXX XXXX XXXX {$320.00}. This transaction was processed as XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Since, they have just called me again and I called them back and they hung up on me after giving me the wrong last 4 of my social. I think this company is some how gaining access to people 's past debt and preying on them to " pay it off '' again. XXXX XXXX was the lady I talked to and she got very offended when I accused her of fraud. When I called back today it sounded like the same person with a different name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: VA

Complaint narrative:
my sister signed my name to her rental lease for her apartment. I told the police dept in the jurisdiction but they refused to file a report stating it's he said. she said. I then contacted the credit agency and they told me a file an FTC report which I am doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

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

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

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

15 USC 16668B : 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 2022-08-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: WY

Complaint narrative:
I received a dunning notice from TSI, Transworld Systems Inc, alleging I owed {$18.00}. My records show this debt was paid, and had been waiting on Medicare and my Medicare Supplemental Insurance to pay with no update provided to me. The very fact that TSI is involved for an {$18.00} charge underscores that Medicare was billed too much by the provider but more importantly it underscores that TSI is a crooked firm that does not verify the accuracy of their alleged debts. If TSI can handle an {$1800.00} debt, then they are using slaves or overseas labor, or they have nefarious intentions of shaking down the public as they can not even answer a Consumer Finance inquiry for {$18.00} if they are using ethical labor and ethical tactics. I DO NOT owe this debt, and I am requiring TSI to acknowledge their incorrect information and to make a formal, written apology to me. By the way, Medicare is NOT efficient but it is a Federal agency that is too big to ever be efficient. Just like TSI is too big for their XXXX, documented to be inefficient, inaccurate, and crooked.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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 — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Late Payment reported XXXX  2018 2018

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Unifin Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX PRADARORY ILLEGAL TATICS CONTACTING AT MY WORK PLACE THIS IS A GOVT PHONE NUMBER! AT MY WORKPLACE I SENT THEM A CEASE AND DESIST DO NOT CONTACT ME EVER AGAIN

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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:
I contacted XXXX, XXXX, and Experian and I never disputed anything. Instead XXXX disputes my accounts without my permission. All my info was in the breach and I am demanding everything to be removed. I never gave permission for a 3rd party to report anything to my consumer report. XXXX lies about investigating and never show proof of investigations. XXXX is reporting the wrong personal information which I advised them many times.

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 2022-08-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I have been unable to get my TransUnion credit score for quite some time now. I am unable to see it through XXXX XXXX, XXXX XXXX, XXXX XXXX, and even TransUnion online monitoring service. At first I thought it was a 3rd party issue when my local bank, XXXX XXXX, and XXXX XXXX could not show my score. I then paid for TransUnion monitoring service of just their bureau w/ score for {$9.00} on XX/XX/22 when I logged in it showed my score was XXXX like everywhere else I had been seeing. The system offered me a " trial period '' of 30 days to see my score and then $ XXXX which I opted to take advantage of to see if that would give me my score. It directed me to setup another profile which I did but then instead it billed me {$29.00} and yet again I did not have my score. I have called into TransUnion on a weekly basis regarding this issue and to this date I still don't have my score. Their representatives are hanging up on me, stop responding by muting themselves, or trying to help but still not remedying my issue. At this point all I want is to be able to see my score and I would also appreciate a refund as the issue is obviously being created by them as I can't see my score even with their products.

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 2022-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ACIMA CREDIT, LLC
State: GA

Complaint narrative:
I started a lease with Acima for a mattress in XXXX or XXXX, had the payment plan for XXXX  day payment plan to avoid paying more than its worth. Every payment went through for {$66.00} a week when I got paid. I wasnt aware of my last payment not going through which was the beginning of XXXX and they started reaching out to me in XXXX. Too late for for payment plan. I told them I wasnt aware and that I wish they wouldve told me the payment didnt go through so that I couldve made the payment right away. The man said he was going to see if something could be worked out, I let him know if he couldnt that I wont be making any payments more than I signed up for. I cant afford to overpay for something when it wasnt my fault, he came back saying that there was nothing he could do. And that there may be something to come through and that he will reach out to me then. Someone else called me XXXX days later unaware of the whole conversation I had with the man, and she said that the only thing she could do is set up another payment plan which would mean that I have to pay the outrageous amount instead of the {$700.00} something I signed up for. I told her Im not interested in paying that. And now they call every other day, I have told them I have already tried to work it out but they are being unreasonable therefore stop trying to take money out of my account and stop calling me, if I decide to make a payment I will call them. The XXXX says to me that I am under collections and that they will keep contacting me until a payment arrangement has been set. Thats the third time I have had to go back and forth with this company, this time I told her that I would be reporting them for harassment and she told me to do whatever I felt the need to do and that they would still be contacting me until they get paid

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: TX

Complaint narrative:
Transunion is reporting inaccurate information and I demanded them to remove ALL accounts. I never gave consent for them to report the wrong personal information that's attached to accounts that does not belong to me. These accounts was in data breach. Opened without my knowledge and consent.

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 2022-08-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
I received notification from the credit card company ( citibank ) that my account had been closed. After contacting them to inquire on why the account was closed, they informed me that it had been closed at the request of myself. I had never requested closure of this account so now my concern is my identity has been stolen and someone is making decisions at my behest. I asked the company to provide me with the documentation or phone recording of when this closure was approved and they have disconnected me and gave me no help in identifying how this happens. They have also refused to reopen my account after I informed them that I was not the person who requested the closure. At this point my concern is someone has my identity and the company will not help me in finding how this happened

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 2022-08-26 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: NY

Complaint narrative:
There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is neither being made in error, nor is my request to block the information being made on material basis of misrepresentation of facts by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. 

XXXX XXXX ( ORIGINAL XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) : ACCOUNT NUMBER : XXXX. 
XXXX XXXX XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX A ) ACCOUNT NUMBER : XXXX. 
XXXX XXXX : ACCOUNT NUMBER XXXX. 
XXXX XXXX : ACCOUNT NUMBER : XXXX ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: CA

Complaint narrative:
Simplified statement of ongoing unresolved claim : Experian is incorrectly calculating and falsely reporting revolving credit utilization figure. Current verified correct total revolving credit balances of approximately XXXX and total credit limits of approximately XXXX calculates to a utilization ration of approximately 48 % This is is being falsely reported as 100 % AND NEEDS TO BE CORRECTED. 

NO INDIVIDUAL ACCOUNTS ARE BEING DISPUTED- ONLY THE INTERNAL EXPERIAN MATHEMATICAL CALCULATIONS USING INCORRECT FORMULA RESULTING IN FALSE REPORTING

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 2022-08-26 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Hello, I recently noticed fraudulent activity on my credit reports. What I have found ( XXXX XXXX XXXX ; XX/XX/2022 ) has led me to believe may be a victim of identity theft, as I did not approve any info to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest onvenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the homebuying process. I have reported the theft of my identity to the Federal Trade Commission. Please see attached Federal Trade Commissions Identity Theft Affidavit in regard to this incident. I have also attached a PDF reflecting all inaccurate items. Please review the enclosed documents, investigate these matters and remove the disputed items ASAP. Also, please do not add any type of fraud alerts on my credit profile.

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 2022-08-26 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: FL

Complaint narrative:
I am a natural person, I am a living human being, I have right under 15 USC 16 81. 
XXXX, Transunion XXXX XXXX is governed by 15 USC 1681, and they have violated my rights numerous times. I demand the accounts listed below to be removed because according to 15 USC 1681 : I have the right to privacy and I did not give XXXX, Transunion XXXX XXXX written permission to furnish these accounts : XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-08-26 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:
I am a natural person, I am a living human being, I have right under 15 USC 16 81. 
Equifax, XXXX XXXX XXXX is governed by 15 USC 1681, and they have violated my rights numerous times. I demand the accounts listed below to be removed because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax, XXXX XXXX XXXX written permission to furnish these accounts : XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
Midland credit management XXXX XX/XX/XXXX opened an account in my name in the amount of XXXX. Also reporting, XXXX XXXX  XXXX XXXX XXXX also opened an account in my name in the amount of XXXX, on XX/XX/XXXX. These accounts are not mine and needs to be removed ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I recently paid off two loan Mortgages In XXXX XXXX. Prior to paying them off my credit score was XXXX. The two loans were through XXXX XXXX XXXX and XXXX XXXX XXXX. Between XXXX and now my credit score has been reduced XXXX points. I have no late payments or derogatory remarks to explain why this took place. The only thing listed on report is my new loan mortgage ( its in good standing ) and Child support, which is also in good standing. The only thing that has changed is the closed Mortgage loan accounts. Ive called all three credit Bureaus and XXXX, but no one can me give an explanation as to why closing those two accounts affected my credit score so negatively. I fully understand that closed accounts can reduce your credit score some. But, losing a XXXX points for paying loans off is unacceptable. My credit score went from XXXX to 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 2022-08-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I recently paid off two loan Mortgages In XXXX XXXX. Prior to paying them off my credit score was XXXX. The two loans were through XXXX XXXX XXXX and XXXX XXXX XXXX. Between XXXX and now my credit score has been reduced 100 points. I have no late payments or derogatory remarks to explain why this took place. The only thing listed on report is my new loan mortgage ( its in good standing ) and Child support, which is also in good standing. The only thing that has changed is the closed Mortgage loan accounts. Ive called all three credit Bureaus and XXXX, but no one can me give an explanation as to why closing those two accounts affected my credit score so negatively. I fully understand that closed accounts can reduce your credit score some. But, losing a XXXX points for paying loans off is unacceptable. My credit score went from XXXX to 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 explanation
Consumer complaint received 2022-08-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I was denied credit due to collection account in Equifax credit report. I do not have any collections in my report. And I disputed four accounts for balances incorrect, the disputes report balances were adjusted but the credit report has not changed. And my credit score is XXXX points different from other Equifax report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: NJ

Complaint narrative:
I do not have a contract with XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I requested the original applications or contract with said companies No response or validation of debt

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 2022-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
IE : Midland Credit As federal law, the FDCPA limits the methods a debt collector may use when attempting to collect a debt. If a debt collector materially violates a provision of the FDCPA, the aggrieved consumer could be entitled tostatutory damages of up to {$1000.00}, plus any actual damages. I AM DEMANDING A {$1000.00} PER CALL. And this is only from the beginning of XX/XX/2022. This collector has continually called and I have told them over and over to stop. Send paperwork. I have got hung up on and told thats not possible. I block the numbers and they call me from a new one.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: IL

Complaint narrative:
I have requested a refund of all payments made during the COVID-19 pandemic forbearance. Thus far, I have received a small portion of payments made. 
I have multiple attempts to contact XXXX and FedLoan Servicing regarding this. I am unable to get ahold of anyone my telephone and have received no response through the web messenger. 
The only response I have received is that FedLoan servicing has to process the request as my account was transferred from them. When I contact XXXX, they say to contact XXXX. 
I suspect that some loan information may not have transferred to XXXX. 
I am again requesting a full refund of all payments made to both XXXX and FedLoan Servicing during the COVID-19 pandemic forbearance.

Company response to consumer: Closed with explanation