vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Kohn Law Firm S.C.
State: WI

Complaint narrative:
A suit was entered in WI XXXX XXXX for a suppose credit card $ XXXX debt in XX/XX/XXXX. I was never served and this false credit card debt was entered as a default judgment XX/XX/XXXX without verifying the debt. It has now been 10 yrs and the zombie debt is statute barred from collection. They are trying to restart the statute of limitations clock by trying to serve me and threatening taking property and liens on my homestead. This debt is not verified and may have been sold already to debt buyers for pennies on the dollar so the original creditor already got paid and they have not verified any debt with me. I do not owe this debt by statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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 Received a letter from XXXX XXXX company stating my information had been leaked in a data breach on XX/XX/XXXX. I since have started looking at my credit and noticed several hard inquires for loan, home loans, and auto that I never performed or asked these companies to run my credit. I have called all credit burros to report the issue and have these inquires removed with no solution and are still reporting on my credit. I have also called each company and they have stated my information was entered online. 

Inquires are from : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX There is also a double account for {$87.00} the original creditor was XXXX which is still reporting to my credit file as passed due then there is also a XXXX XXXX which bought this debt from XXXX. I have settled with them and the debt is paid i would like both removed from 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 2022-05-25 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: FL

Complaint narrative:
I Received a letter from XXXX XXXX company stating my information had been leaked in a data breach on XX/XX/XXXX. I since have started looking at my credit and noticed several hard inquires for loan, home loans, and auto that I never performed or asked these companies to run my credit. I have called all credit burros to report the issue and have these inquires removed with no solution and are still reporting on my credit. I have also called each company and they have stated my information was entered online. 

Inquires are from : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX There is also a double account for {$87.00} the original creditor was XXXX which is still reporting to my credit file as passed due then there is also a XXXX XXXX which bought this debt from XXXX. I have settled with them and the debt is paid i would like both removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LJ Ross Associates
State: MI

Complaint narrative:
LJ Ross send a notice on XX/XX/2022 that does not comply with 12 CFR 1006.34 The notice does not include the account number provided by the creditor the purpose of which is to permit the accused debtor to identify the debt per 12 CFR 1006.34 ( c ) ( 2 ) ( iv ). Instead it only includes the optional reference code permitted by 12 CFR 1006.34 ( d ) ( 3 ) ( ii ).

The notice does not include the name of the creditor per 12 CFR 1006.34 ( c ) ( 2 ) ( v ). Instead, the notice provides a name that is not a legal entity under Michigan law. 

For example, while the notice references " XXXX XXXX XXXX XXXX XXXX '' there is no corresponding amount due on the purported creditor 's accounts with XXXX XXXX so the actual creditor must be a different entity than XXXX XXXX proper. 

From the provided information, the purported debtor is unable to identify who the creditor is or any account number to reference in order to attempt to correlate the notice with a statement or creditor. 

The undersigned has been in contact with XXXX XXXX proper for over six months regarding insurance billing errors on the part of XXXX XXXX which have still not been resolved and have been provided representations that until resolved accounts would not be sent to collections. The creditor would provide partial payment for amounts not in dispute, however XXXX XXXX will not allocate payments to certain designated invoices and for that reason the creditor is unable to pay because payments may be applied to disputed amounts.

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 2022-05-25 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: GA

Complaint narrative:
Experian has furnished a credit profile without my verbal or written consent! I have attempted to have this issue resolved several times over the last year and they either have no response or these inaccuracies come back verified which is impossible. I demand that they cease and desist all negative reporting as it is a violation of my consumer rights as well as my right to privacy. 1681b. Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. They can not produce a notarized Affidavit or contract signed by me or their senior executive where I gave them permission to furnish or post these negative items on a report. This is IDENTITY THEFT. The Privacy of Consumer Financial Information regulations that implement the Gramm-Leach-Bliley Act ( GLBA ) restricts this type of information sharing because it meets the definition of nonpublic personal information under the Privacy regulations. Therefore, sharing it with nonaffiliated third parties may be subject to an opt-out notice under the privacy regulations. Again this is a violation of my rights to privacy. They also are allowing companies to pull this report without my verbal or written consent. Another VIOLATION Except as provided in section 1681g ( a ) ( 5 ) of this Title, a consumer reporting agency shall NOT furnish to ANY person a record of inquiries in connection with a credit or insurance transaction that is NOT initiated by a consumer ( ME ) At no point did I consent to these companies pulling a report. Please have the following information deleted and removed from my credit file within ( 4 ) business days and send me an updated copy of my credit report reflecting these changes. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thank you so much for your time and attention to this matter.

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 2022-05-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OZK
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX : We understand you have requested that Bank OZK ( Bank ) cease further communication with you ; however, in accordance with your request, please see the information below. 
The Bank mailed a check to you in the amount of {$100.00} via XXXX  ( tracking number XXXX ) dated XX/XX/2022, with a signature required ; however, the package was returned to the Bank after several unsuccessful attempts at delivery. We have sent the check again via XXXX ( tracking number XXXX ) and have been notified that it is being held at the XXXX facility located at XXXX XXXX XXXX, XXXX, GA. If you are unable to pick up the package at the XXXX  facility we will recall and send via United States Postal Service ( USPS ) certified mail. With receipt of the check through XXXX or USPS, the Bank considers the matter closed. 


You are going to recall you check and send it by USPS or I will show you how much further I can escalate this. Stop playing around, you didn't send it to a XXXX  location 12 miles from my house with 2 closer locations and I didn't ask for it to be picked up I have no, repeat, ZERO obligation to drive 12 miles away to get my check your employee 's are just careless imbeciles. Now send me my check or I promise you that this will get much worse, and very legal, and very expensive for your bank, very very fast, I am tired of your endless lies, fraud, incompetence, and the silly ego exuding from every message you send by clearly a pack of clowns who can not even send a check in the mail without melodrama.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: OPORTUN FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2022 I received an alert from my XXXX credit monitoring that there had been a hard inquiry to my credit file made by Oportun but I have never used or even heard of a loan business called Oportun. I spoke with XXXX about the inquiry and they put a fraud alert on my credit report. I then spoke with Oportun and they found the personal loan application and they said that the personal loan application was cancelled due to client being unable to provide proof of ID. Oportun said their fraud department would be in contact with me and they were sending me a package of documents that they need me to look over and some to fill out. They said it would take up to 10 days to get those documents. That is where I am at right now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Comerica
State: MD

Complaint narrative:
A bank account was opened with Comerica Bank on XX/XX/2022, I contacted them and they closed the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc.
State: NV

Complaint narrative:
I have a business that I use Square inc to process my purchases. Square is withholding my funds for 90-180 days. My business accounts are now in the negative as well as my business line of credit. Because of this they have no support through customer service and no alternative is offered.. I offered to present my business documents but they wont review them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
XXXX # XXXX I am being charged late fees and my payments show as not received on my statement. I have made all of my payments and Fay refuses to correct it every time I call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I HAVE BEEN TRYING TO FIX MY CREDIT WITH THE CREDIT BUREAUS FOR 4 MONTHS, I HAVE SENT DISPUTES TO EACH OF THEM TO UPDATE, CORRECT OR DELETE THE ACCOUNTS THAT ARE BEING INCORRECTLY REPORTED AND I HAVE NEVER RECEIVED ANY RESPONSE FROM THEM.

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 2022-05-25 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: CA

Complaint narrative:
I HAVE BEEN TRYING TO FIX MY CREDIT WITH THE CREDIT BUREAUS FOR 4 MONTHS, I HAVE SENT DISPUTES TO EACH OF THEM TO UPDATE, CORRECT OR DELETE THE ACCOUNTS THAT ARE BEING INCORRECTLY REPORTED AND I HAVE NEVER RECEIVED ANY RESPONSE FROM THEM.

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 2022-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
I asked for a modification on my mortgage and they refused. they submitting for a sale of my hoouse. I do not want to be homeless. I am XXXX yrs old. if they make this modification i can try to pay on time now that I am back to work.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico 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 XXXX  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 21 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 XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
This company is reporting inaccurate, unverified fraudulent information to my consumer report and its hurting me physically and mentally. I'm stressed that I cant get a job because of this inaccurate information on my consumer profile. As you see, XXXX is not reporting this account late, but Experian is. This is inaccurate information and I demand the late fee removed. If the late fee isnt removed, you are in violation, and I will bring charges up to {$5000.00}. Remove the late payments as its inaccurate.

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 2022-05-25 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: FL

Complaint narrative:
I have attached an FTC report with inquiries I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
To Whom It May Concern, On XX/XX/22, I contacted XXXX XXXX XXXX company to inquire about a collection on my TransUnion report. The agent advised me that they do not have a collection and that I needed to send a screenshot of the erroneous reporting to TransUnion, which I did that day. 

Now, more than two months later, I am still seeing the collection on my TransUnion report. XXXX XXXX is stating they can not do anything about it because it's not in their records, and TransUnion never responded to my letter.

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 2022-05-25 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:
Someone fraudulently took a loan out using my information. I disputed many times with experian. The most recent dispute I provided a police report and an identity theft report. Plus, I have a fraud alert and a freeze on my credit. If I was not an victim of identity theft why would I have the freeze and fraud alert? My dispute was denied even though I submitted a police report and I identity theft report. I do not know who took the loan out using my information but it is not fair that this credit reporting agency is continuing to victimize me by allowing this fraudulent account to stay on my credit. Also, they are victimizing me because they are pretty telling me I'm lying even tho I submitted proof that the account was obtain by identity theft. The account that is fraudulent is the Investigative reporting collection on the account. I did not obtain this loan, it was taken out using my information. I provided proof.

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 2022-05-25 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: GA

Complaint narrative:
Equifax has furnished a credit profile without my verbal or written consent! I have attempted to have this issue resolved several times over the last year and they either have no response or these inaccuracies come back verified which is impossible. I demand that they cease and desist all negative reporting as it is a violation of my consumer rights as well as my right to privacy. 1681b. Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. They can not produce a notarized Affidavit or contract signed by me or their senior executive where I gave them permission to furnish or post these negative items on a report. This is IDENTITY THEFT. The Privacy of Consumer Financial Information regulations that implement the Gramm-Leach-Bliley Act ( GLBA ) restricts this type of information sharing because it meets the definition of nonpublic personal information under the Privacy regulations. Therefore, sharing it with nonaffiliated third parties may be subject to an opt-out notice under the privacy regulations. Again this is a violation of my rights to privacy. They also are allowing companies to pull this report without my verbal or written consent. Another VIOLATION Except as provided in section 1681g ( a ) ( 5 ) of this Title, a consumer reporting agency shall NOT furnish to ANY person a record of inquiries in connection with a credit or insurance transaction that is NOT initiated by a consumer ( ME ) At no point did I consent to these companies pulling a report. Please have the following information deleted and removed from my credit file within ( 4 ) business days and send me an updated copy of my credit report reflecting these changes. 

XXXX. XXXX XXXX XXXX - {$270.00} ( PLEASE DELETE ) XXXX XXXX XXXX XXXXXXXX ( PLEASE DELETE ) XXXX XXXX XXXXXXXX - {$88.00} ( PLEASE DELETE ) XXXX XXXX XXXXXXXX - {$420.00} ( PLEASE DELETE ) INQUIRIES XXXX XXXX XXXX XX/XX/XXXX ( PLEASE DELETE ) XXXX XXXX XXXX XXXXXX/XX/XXXX ( PLEASE DELETE ) XXXX XXXXXXXX XX/XX/XXXX ( PLEASE DELETE ) XXXX XXXX ( PLEASE DELETE ) XXXX XXXX XXXX XX/XX/XXXX ( PLEASE DELETE ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( PLEASE DELETE ) Thank you so much for your time and attention to this matter.

Company response to consumer: Closed with explanation