vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-22 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: AZ

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 


XXXX ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX Employer : XXXX, AZ XXXX XXXX West XXXX XXXX XXXX, Arizona 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 ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX : XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX  XXXX XXXX XXXX XXXX Arizona XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX Equifax ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Arizona XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collections : 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 EMPLOYER : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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: AZ

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 


XXXX ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX Employer : XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Collections : 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 XXXXXXXX Experian ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX : XXXX XXXX XXXX XXXX XXXX AZ XXXXXXXX XXXX XXXX XXXX XXXX XXXX Arizona XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Arizona XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collections : 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 XXXXXXXX EMPLOYER : 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 non-monetary relief
Consumer complaint received 2022-06-22 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: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the XXXX major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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: Paradigm Assets, LLC
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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: Continental Finance Company, LLC
State: CA

Complaint narrative:
XX/XX/XXXX I requested account be closed due to subprime card interest rates/annual fee of {$99.00}. This card was reported as being paid late, after the closing by consumer request. Account was never late, paid on time since XX/XX/XXXX ( When account was opened ). I paid account in full after several disputes with Continental finance. I completed my end of the agreement, while the company continued to report my payments as late/never deleted negative account status after I paid in full/closed account. This is a violation of the CARES ACT enabled XX/XX/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 2022-06-22 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: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
Patient : XXXX XXXX MBA Account : XXXX I spoke with the Collection Office of Mitchell D Bluhm & Associates on XX/XX/2022 in response to a dunning letter from the firm dated XXXX XXXX. 

I requested the firm provide validation of the account by furnishing documents with my signature, my agreement to pay, and all other pertinent information to verify the accuracy of the claim as is required FDCPA and FCRA. 
A supervisor who gave her name as XXXX refused to provide the information in writing per my request. 

I advised XXXX that reporting inaccurate and derogatory information to any of the three credit major bureaus without providing validation of the account is a violation of the Act. 
In reviewing my credit report today, I saw that Mitchell Blum had reported the account to the credit bureaus. 

In speaking with XXXX in this regard today ( XXXX ) she refused to provide any verification or validation of the account which is again a violation of the FCRA and FDCPA. 
Reporting inaccurate or unverifiable information to the bureaus is a violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-22 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: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I have had my XXXX account for years now ; XXXX XXXX XXXX XXXX XXXX is damaging my credit by adding 2 additional accounts on my credit report from two other harassing collection agencies. I REFUSED to pay them because I am a customer of the same company and I feel like this is a scam. This is extremely damaging to my credit and has caused severe hardships with getting the help I need. 

report show XXXX group ( XXXX XXXX ) {$530.00} ( XXXX, XXXX XXXX report show Southwest credit systems XXXX XXXX XXXX ) {$570.00} ( reporting only to XXXX ) this account is in collections and it shows as " opened '' status.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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: LEXISNEXIS
State: OH

Complaint narrative:
The reason for my dispute is that there are multiple discrepancies still showing even after filing my ID theft report. Remove the following immediately : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX # XXXX, PHONE # XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX 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 The information listed above is not only inaccurate and incorrect but also obtained without my knowledge, consent, or permission. PLEASE ADD A SECURITY FREEZE AND SEND ME A PIN NUMBER.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: AR

Complaint narrative:
When I initially attempted to dispute the debt I didn't get any evidence that the debt was mine. Since I have been attempting to clean up my debt, I reached out to Midland Credit to start negotiations and found out the account was transferred to an attorney for servicing. I then brought in an attorney to advise me on negotiations, without retaining her for representation to the debt collector. She was only authorized to submit the offer on my behalf, not represent me through the entire process. Due to no communications from the original collection agency nor the attorney, I decided to pay the debts off just to clear these accounts. Every time I have tried to confirm if payment was received or to find out why my credit report hadn't been updated, they refuse to speak with me because it was flagged as me having an attorney. The attorney submitted a letter stating non representation to their attorney, but they still state I have an attorney they need to talk through. These accounts have been paid off for over a month and are still reporting as open and having a full balance on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Bank Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX, has violated my rights. 

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

! 5 U.S.S 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an 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 2022-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: Avant Holding Company, Inc.
State: OH

Complaint narrative:
Someone applied for a credit card in my name and had it sent to my address. They got it out of the mail when I was at work and then proceeded to put in a change of address to a mailbox store. The only reason I found out was I just happened to check my credit report and seen it. I seen this card that I never applied for as well as an address I never lived at. I filed a police report for fraud and identity theft. I tried calling the credit card company but they would not do anything because I did not have the account number. I asked that how could I have an account number for a card I never opened up it does not show the account number in my credit report. I even disputed this on my credit report but they did nothing. The company is Avant LLC / Web Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: PA

Complaint narrative:
Hello I am contacting to dispute a letter I received in the mail. This letter is for the collection of a XXXX account I never had. The creditor is XXXX the account number is XXXX the reference number is XXXX. I never had service with XXXX that would have rendered a bill or past due amount that would have ended up in collection. I have contacted XXXX SEVERAL times about this same account number they can not seem to find it every time I call. Please provide any documentation you may have regarding this account. I will not pay for a service I never had. Please contact XXXX as this information is inaccurate. 

I would like documentation from XXXX about this so-called service they provided with the attached account number Thank you 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 2022-06-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: KEYCORP
State: WA

Complaint narrative:
XXXX HAS XXXX MORTGAGES ON HIS HOUSE, THE XXXX ONE IS WITH KEY BANK, IT TOOK US XXXX YRS TO GET A SHORT SALE APPROVAL WITH XXXX ( XXXX XXXX XXXX XXXX 
WE FINNALLY GOT A PRE APPROVAL ON XX/XX/XXXX. WE CALLED KEY BANK AND INFORMED THEM, THEY IMIDALTY SENT OUT A SHORT SALE PACKAGE, AND WE SUBMITTED IT ON THE XXXX, WE WERE MISSING SOCIAL SECURITY AWARD LETTER, OFFICAL APPROVAL LETTER AND HUD STATEMENT. 
THE HUD AND TITLE WERE SUBMITTED ON XX/XX/XXXX. ON XX/XX/XXXX WE WERE TOLD THEY NEEDED BANK STATEMENTS, I WAS INFMORED BY THE SELLER HE HAD NONE. NORMLLY ON A SHORT SALE A BANK WILL NOT REQUIRE ANYTHING IF THEY DONT USE A BANK. THEN THEY WANTED THE CASHED CHECKS FROM SSI, WHEN EVERY LENDER USES THE AWARD LETTER. I TOLD THEM OTHER LENDERS DONT REQUIRE THIS, AND WE HAD A FC DATE, THAT WAS INCLUDED IN THE ORGINAL PACKAGE WITH A DATED XX/XX/XXXX. I ASKED FOR A ESCEPTION ON THE CASHED CHECKS, THIS WILL TAKE SEVERAL WEEKS, WE DONT HAVE, THE AWARD LETTER SHOUDL BE SUFFICANT. THEN ON XXXX WE GOT THE OFFICE SS APPROVAL FROM XXXX AND CLOSING DATE OF XX/XX/XXXX DUE TO THE FC DATE XXXX XX/XX/XXXX. 
THE GUY ON THE PHONE TRIED TO ARGUE WITH ME ON HOW FAST XXXX MTGS APPROVAL SHORT SALE AND THAT THE HAD NO NOTICE OF A FC DATE, MY AVG FOR XXXX YRS HAS BEEN XXXX HOURS. HE STATED THEY HAD NOT DOCUMENTS ON THE XXXX DATE, I INFORMED HIM IT WAS PART OF THE PACKAGE, AND HE DENIED IT, I THEN EMAILED THE ATTONREY AND HE STATED THEY WERE NOTIFIED ON BY STATUTORY NOTICE ON XX/XX/XXXX. AND HE UDPATED IT AGAIN. I WAS TOLD THE FILE WAS REVIEWED BY THE U/W BY 1 PERSONA AND THIS RUDE GUY SAID IT WASNT. 

WE NEED TO CLOSE SOON AND NEED THIER APRPOVAL, THEY KNOW THE XXXX MTG DETERMINES WHAT THE XXXX WILL GET. THEY HAVE THE APPROVAL WITH XXXX, CLOSING DATE, AND THE XXXX DATE DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
On XX/XX/21, at approximately XXXX pm I ( XXXX XXXX ) received a call from a woman named " XXXX, '' who claimed to be from Citibank. She claimed there was an attempt to charge {$450.00} at a XXXX in Georgia. 
She asked were we visiting Georgia. I told her no! I was a bit distracted while on a XXXX  business call and multitasking. She then texted me a Citibank code and asked me to repeat it to her. I gave her the code and she claimed she declinded the attempted fraud on our checking account. 

Approximately three hours later around XXXX XXXX, Citibank called and indicated that there was a {$2000.00} wire that was just sent out from our checking account. I stated that we did not send out a {$2000.00} wire on XX/XX/21. 

The Citibank representative shared with me that the wire was sent to another Citibank Account, to a woman named XXXX XXXX. I was told the fraudulent wire was caught quickly and flagged as a fraud and it would be easy to recover the funds and I would be reimbursed. I have attached police report and letters from Citibank declining my compliant and my demand of the {$2000.00}.

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 2022-06-22 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: TX

Complaint narrative:
i have sent letter continual letter to the experian credit bureau and i havent got no response regarding the late payment either by mail or credit app i have sent letter back in 2021

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 2022-06-22 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: PA

Complaint narrative:
I am asking for a investigation on my credit file because this account is reporting incorrectly on my credit file.

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 2022-06-22 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: FL

Complaint narrative:
I currently have three fraudulent inquiries on my equifax credit report, that i have reported to equifax agency and they have yet to delete the incorrect information on my credit file. 

I called several times and when Im not getting anywhere with customer service agent, I than request for a supervisor but of getting to speak with a supervisor the agent placed me in a hold for over an hour. 

The inquiries that are in question are listed below. 
XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I closed my Capital One account in XXXX XXXX. I paid off the amount of XXXX ( XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX ) owed by XX/XX/XXXX, it happens to be the same date as my closing date. Capital One has decided to charge me interest of XXXX. I called and was told that they can not waive any amounts on closed accounts. I spoke to a supervisor at Capital One 's AZ office who told me that she was the highest level of management, and she could not and will not help me with my query. I requested to speak to a manager or Director for the department and was told that there was no one higher than her at Capital One. She refused to give me a name or number of someone who was willing to override the system and adjust the interest charged.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Yes I noticed that there are unauthorized inquiries on my account from XXXX and Transunion I have reached out to the company and still no response. 
XXXX is reporting the following accounts XXXX  XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX 
Transunion XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX mortgage. 
Thank you for assisting me during this time.

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 2022-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Yes I noticed that there are unauthorized inquiries on my account from experian and XXXX I have reached out to the company and still no response. 
Experian is reporting the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX and XXXX mortgage. 
Thank you for assisting me during this time.

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