vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bay Area Receivables, Inc
State: MD

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: MD

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
O/A XX/XX/XXXX I contacted CITIBANK Costco  indicating I was disputing accounting under the FCA/XXXX  and to date I have not received any information in regards to that. XXXX XX/XX/XXXX I sent notification again to date have not received a reply. On the XXXX of XX/XX/XXXX I received a Summons from the law firm of XXXX XXXX XXXX XXXX indicating they are representing CITIBANK COSTCO and suing me. I believe CITIBANK COSTCO has not followed dispute procedures. XXXX XXXX XXXX XXXX has not identified to me previously either they were trying to collect a debit, is this company a debit collector?

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 2022-12-04 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:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX - Account # XXXX. The incorrect reporting of this account have violated my rights. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The credit bureaus are reporting this account as a charge off with XXXX late payments, which in INCORRECT. I have forwarded several certified letters to the bureaus with supporting documentation requesting a thorough investigation and they have failed to do so. This act is causing me unnecessary financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken
State: OH

Complaint narrative:
XX/XX/XXXX - Received email from XXXX support stating my account would be closed, and no information will be provided as to why. Also stated my account had a balance and would need withdrawed in XXXX hours or I would lose it. 

XX/XX/XXXX - Added a withdraw address for my account balance and processed a withdraw XX/XX/XXXX - Withdraw was canceled by XXXX and not processed. Account was closed and so was access to login or any other services. 

Account was later repopened after multiple emails to support, they stated to transfer my money to XXXX  to withdraw. Upon doing such I had to incur multiple fees that institution additionally profited from. This was also counterintuitive to the institutions statements my account was suspended and no longer usable, however they were scamming me in to 'utilizing ' there exchange and paying customer fees as a 'user '. 

The fees and various other extortions had then brought my balance below the company 's XXXX  withdraw minimum, which should also be noted carries excessive and additional fees to utilize, as a customer. Which I was made well known was no longer permitted to be, for completely no reason at all. 

This company has again been toying with me for weeks, and subsequently permanently closed my account again and stolen all of my money.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I tried disputing debt multiple times this is not my debt I was not even a resident of the state when asked where it took place. They keep saying its verified but its not verified if I stayed in a different state. How do I accumulate a bill when I was in a different state with health insurance? Opened XXXX XXXX. XXXX is 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 2022-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Equifax is incorrectly reporting an account for the XXXX XXXX XXXX ( XXXX XXXX ). The original credit reporting agency ( CRA ) is the XXXX and XXXX XXXX ( XXXX ) building located in XXXX, Ohio. The account is reporting as a closed collection account for child support and updates every month as a closed collection account til this day. I have sent in a dispute letter listing the violation the XXXX has committed against me. XXXX is reporting my personal information unlawfully to third parties, and Equifax is improperly reporting information it shouldn't had in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I've disputed accounts that were opened via identity theft with servicer between XXXX to 5 times and they keep verifying the information is correct. I've told them to block the information also but they refused to do so. Their response was my dispute isn't valid, because I didn't identify the account I wan to be disputed/erased. I took all the necessary steps to remove the tradelines off of my 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 2022-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX  Account XXXX XXXX XXXXXXXX, CAPITAL ONE XXXX XXXX XXXX XXXX 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 1666B : A creditor may not treat, payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Self Financial Inc.
State: PA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX  Account XXXX XXXX XXXX, XXXX XXXX XXXX Self Financial Inc/ LEA, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat, payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act 11 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 : 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 2022-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I received 4-5 emails today from bank of america XXXX one said my email address was updated, another said my application was submitted successfully, another said my application was approved, another said to verify my Email address & the last one said my account is open and ready for mobile and online banking. I have never opened an account with Bank of America and didn't start yesterday either. I don't know what to do. Please contact me at your earliest convenience. I know Bank of America has been caught creating fraudulent accounts before so if this is the case I hope there are some major repercussions.

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 2022-12-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: GA

Complaint narrative:
I tried disputing debt multiple times this is not my debt I was not even a resident of the state when asked where it took place. They keep saying its verified but its not verified if I stayed in a different state. How do I accumulate a bill when I was in a different state with health insurance? Opened XXXX XXXX. XXXX is XXXX.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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: FIRST PORTFOLIO SERVICING INC
State: GA

Complaint narrative:
I am writing to dispute the following information in my file. I recently received a copy of my credit report and noticed there is an unauthorized credit inquiry made by the company XXXX XX/XX/2021. To my knowledge, i have not signed any documents authorizing the company in question to view my credit report. this listed inquiry was without authorization, and for no legitimate business reason. 

Finally, I am requesting that it will be removed immediately from my credit report according to the provisions of 612 ( 15 USC 1681 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 : 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 explanation
Consumer complaint received 2022-12-04 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX the Accounts below, have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment XXXX XXXX XXXX Late Payment XXXX XXXX XXXX XXXX Late Payment XXXX XXXXXXXX XXXX Late Payment XXXX XXXX XXXX XXXX Late Payment XXXX XXXX XXXX Late Payment XXXX  XXXX XXXX Late Payment XXXX XXXX  XXXX Late Payment XXXXXXXX XXXX Late Payment

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 2022-12-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
On XX/XX/18 I called XXXX to have my student loans reinstated ( they were paid off during the interest rate pause ). They told they transferred my account to AidVantage. 

I call AidVantage on XX/XX/18 and they tell me they don't have my account information. 

I call XXXX again and ask for the date of when my account was transferred. They told me they transferred it on XX/XX/18 ( suspicious, but fine ). XXXX is somewhat helpful and at least sends me a letter with all my loan information ( of the loans paid off during the interest rate pause ) so AidVantage knows exactly what to reinstate. 

I call AidVantage again and ask when my account will be transferred and they tell me it'll take XXXX weeks... This is absolutely a ridiculous amount of time for someone to be able to simply create an account. I have my letter from XXXX on exactly what needs to be reinstated, but I can't send this to AidVantage without an account. The fact that I can't create an account today with AidVantage is extremely poor business practice and borderline criminal. They are essentially withholding my money. 

I have already received my forgiveness email from the US Government ( of course it's on pause right now ), but I need AidVantage to open an account for me & reinstate my loans ASAP. They're making it extremely difficult and every time I call they give me conflicting information. One guy even told me I don't have to have my loans reinstated and that the US government will reimburse me directly ... AidVantage needs to be held accountable and fined for this behavior on a daily basis until they improve this experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
i was served papers saying i was being sued, i checked my credit report found no debit that was being put towards me using the name XXXX my name is XXXX, i have responded. In the sopena its states they have tried to contact sent letter, this is a false statement i have no knowledge of this debit again its not on my credit report,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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: Exeter Finance, LLC.
State: GA

Complaint narrative:
I am writing to dispute the following information in my file. I recently received a copy of my credit report and noticed there is an unauthorized credit inquiry made by the company EXETER FINANCE LLXXXX XX/XX/2022 XXXX To my knowledge, i have not signed any documents authorizing the company in question to view my credit report. this listed inquiry was without authorization, and for no legitimate business reason. 

Finally, I am requesting that it will be removed immediately from my credit report according to the provisions of 612 ( 15 USC 1681 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DISCOVER BANK
State: FL

Complaint narrative:
I received a postcard from XXXX about a Home Equity Loan. While I was entering information a message came up they were running my credit. I never checked a box to authorize I wanted to complete the application nor have my credit run. I was not applying I was only trying to get information. I tried to stop by pushing the back button and then I got a message from XXXX XXXX stating a new credit inquiry was made on my credit. I never got any confirmation email from Discover and at first thought it was a fraudulent website. I am requesting the credit inquiry be removed from my credit. The Discover representative said all she could do was close out the application. I have been a Discover customer from many years and this totally destroyed any trust I had in this company. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have recently reached out to all three credit bureaus about the incorrect reportings of hard inquiries on my credit report. the inquiries were for an auto loan. The credit bureaus informed me that I had to reach out to the banks. Yet the banks said that I had to contact XXXX, XXXX and experian to resolve the issue. 

The reportings are : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XX/XX/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

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 2022-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My name is XXXX XXXX I'm writing to you regarding discrepancies I have found on my credit report. Why is this account by XXXX XXXX being reported with only 1 credit bureau. It needs to be DELETED for INACCURACY According to FCRA : 15 U.S.C 1681s-2 ( a ) ( XXXX ) ( a )

Company response to consumer: Closed with explanation