vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-18 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: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I faced some financial difficulties after going through a very traumatic divorce. Due to exigent circumstances, I had to stop paying my XXXX XXXX XXXX and XXXX XXXX XXXX, both owned by XXXX XXXX. Portfolio Recovery not only sent me numerous letters but harassed me via telephone calls daily trying to collect on the debt including calling during my work hours and on both my cell and work numbers. If I was available, I would answer their call. I also contacted Portfolio Recovery on numerous occasions ( some dates I documented and some I didn't ), explained my situation, and offered to settle the debt for what I was able to afford. My offers were declined every time even though I explained that I had taken a loan from my retirement account to pay what I could afford of the XXXX balances. XXXX XXXX XXXX had already gone bankrupt but Portfolio Recovery would not entertain my offers. I was so desperate that I contacted attorney XXXX XXXX to file for bankruptcy. At the XXXX XXXX XXXX XXXX and XXXX were the only XXXX collections I had not been able to settle. XXXX XXXX counseled me to try to avoid bankruptcy and offered to send them letters to try to resolve the XXXX balances but Portfolio Recovery completely ignored. They reported both collections to the credit bureaus and that has affected my credit negatively. As a single mom, I am trying to rebuild my credit but due to Portfolio Recovery 's actions, I have been unable to bring up my credit score. I have been denied credit on several occasions because of that. I hereby request Portfolio Recovery removes the XXXX collections from my credit report as I have made continuous good-faith efforts to settle these debts and they have refused. 
I have attached Portfolio Recovery Collection Letters and Attorney XXXX XXXX 's Letters to Portfolio Recovery. 
XXXX  debt amount {$4700.00} - offered {$1500.00} XXXX XXXX XXXX debt amount {$2300.00} - offered {$750.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Halsted Financial Services, LLC.
State: TX

Complaint narrative:
This company that I dont know or have any dealings with have called me and also emailed me over XXXX times and it started since XX/XX/2022. And I have asked them to cease and desist and they have stressed me out to the point my hair is falling out! They have emailed me over and over!! I have all of the emails times ( halsted financial services )!! They are hassling me and I dont know or have any thing with them!!! And they have also put things on my credit report and I need it deleted and for them to cease and desist from contacting me by all means!! And also voicemails!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV FINXACT CORE
State: WI

Complaint narrative:
This company called TRS is sending fraudulent papers in the mail pretending to be work for XXXX XXXX. But i called the XXXX XXXX XXXX XXXX, they told me, they have no Idea what I talking about. I sent them a copy of the letter, not sure your company has a copy. This need to prosecuted to the fullest extent. 
Thank you XXXX from XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
The weekend of XXXX XXXX US Bank transferred my bank account information from UnionBank ( which it had purchased ). Unfortunately its instructions about how to regain online access did not work properly, so on XX/XX/XXXX ( I believe ) I spent several hours at the new US Bank branch while the employee enabled access to my new accounts at US Bank. 
On XX/XX/2023 {$5000.00} was electronically transferred out of one of my personal checking accounts at U.S. Bank. I was provided no notice of this transfer. 
On XX/XX/2023 {$5000.00} was electronically transferred out of one of my business checking accounts at U.S. Bank. I was provided no notice of this transfer. 
On XX/XX/2023 {$10000.00} was wired out of another of my personal checking accounts at U.S. Bank. I was provided no notice of this transfer. 
The night of XX/XX/XXXX I logged onto my US Bank accounts online and noticed only {$400.00} in an account that previously had over {$10000.00}. The next morning I called and arranged to meet with my local branch after finding these fraudulent transactions in these three accounts. 
The bank closed these accounts and opened new ones and replaced my checks. At the same time, we overheard another couple talking with another banker about fraud on their accounts. 
About 15 days later the bank 's Digital Claims Services mailed three letters ( dated XX/XX/2023 ). The one pertaining to wire fraud said I " authorized the wire transfer '' ( which is factually inaccurate ) and " We have investigated the matter and requested that the beneficiary bank return the transferred funds. Unfortunately, the beneficiary bank did not accept or acknowledge the request ; we are unable to further assist in this matter. '' The two letters pertaining to electronic transfer fraud stated " During our investigation, we determined the transaction posted as requested ; therefore, your claim has been denied. '' I met with the local branch manager again a few days later, who promised to escalate my case, but personally got no help from the corporate office. 
I have spent over XXXX hours on the phone with the Wires Department, Fraud Department, and Online Banking and have received no help in getting information about the receiving bank and account number that would enable me to follow up. 
US Bank has taken no responsibility for enabling access to my account. 
I have contacted my employer 's IT company about this situation, and was given their opinion that a breach of my account likely took place while security was reduced while the employee gave me online access.

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 2023-07-18 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: WA

Complaint narrative:
Experian is reporting my credit score in a negative way, all of the banking apps i have credit builder loans with report score in the high XXXX range, i get denied for anything I apply for even {$500.00} loan i get denied which is less than my car 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 2023-07-18 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: PA

Complaint narrative:
I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate late payments that remain on my credit report despite multiple attempts to correct the information. The credit reporting agencies and the creditor have failed to provide any documentation or evidence of the accuracy of their reporting, yet they continue to report the inaccurate information on my credit report. 
I have sent multiple letters to the credit reporting agencies disputing the accuracy of the late payments, citing laws such as the Fair Credit Reporting Act and Fair Credit Billing Act. In response, the credit reporting agencies claimed to have verified the accuracy of their reporting, without providing any evidence or documentation to support their claims. 
I have also sent a letter to the creditor disputing the late payments, and demanding the immediate removal of the late payments from my account, as well as the production of documentation such as transactional history, billing statements, and any other documents that the law allows me to request from creditors regarding billing errors. The creditor has failed to respond to my request. 
Despite my efforts, the inaccurate late payments remain on my credit report, damaging my credit score and making it difficult for me to obtain credit or loans.

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 2023-07-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account #, 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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 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: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account #, 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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 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: CORELOGIC INC
State: WV

Complaint narrative:
CREDCO XX/XX/2023 Unrecognized credit inquiry. Misuse of credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 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: Credit Karma, LLC
State: TX

Complaint narrative:
marketed a preapproval program on creditkarma to refinance a car at a lower rate, it said i could get preapproved with no affect on my credit, company i was sent to is XXXX didnt like the offers on XX/XX/XXXX so didnt move forward and today XX/XX/XXXX XXXX checked my credit and summitted it to XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX i reached out and was told i gave explict consent and " there must have been some confusion sending the application through credit karma '' the extra inquires are affecting my credit and i didnt give consent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 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: IL

Complaint narrative:
I am writing to you because I am concerned about the accuracy and honesty of credit bureau 's data. I dispute any information on my credit report that is not true or documented. This includes any claims that have not been proven to be correct. I am doing this in accordance with the FCRA and the accepted STANDARD of XXXX XXXX data field reporting. Allegations of delinquency and derogatoriness must be supported by factual document proof. I challenge the reportability of these allegations because they are unsubstantiated. According to federal and state law, you must report any allegation accurately and completely. It is wrong to report any claims that you know or should know are against the law or regulations. I'm writing to inform you that you need to make sure all your claims are factual and reported correctly. This is required by the XXXX XXXX reporting standard. I request that you provide physical verifiable evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate this issue and determine whether it is still being reported accurately and in compliance with the law. If it is not, I want it removed from the report. I authorize you to mail me physical documentation of your actions and my updated credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to you because I am concerned about the accuracy and honesty of credit bureau 's data. I dispute any information on my credit report that is not true or documented. This includes any claims that have not been proven to be correct. I am doing this in accordance with the FCRA and the accepted STANDARD of XXXX XXXX data field reporting. Allegations of delinquency and derogatoriness must be supported by factual document proof. I challenge the reportability of these allegations because they are unsubstantiated. According to federal and state law, you must report any allegation accurately and completely. It is wrong to report any claims that you know or should know are against the law or regulations. I'm writing to inform you that you need to make sure all your claims are factual and reported correctly. This is required by the XXXX XXXX reporting standard. I request that you provide physical verifiable evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate this issue and determine whether it is still being reported accurately and in compliance with the law. If it is not, I want it removed from the report. I authorize you to mail me physical documentation of your actions and my updated 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 2023-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: IL

Complaint narrative:
I filed a complaint about this twice already now this is my third time and the company asked me to do a few things for them, so i did what was asked but i wanted to put it on here as prove before i take it to my attorney if this problem is not fixed or atleast settled with the company. I have paystubs the notarize letter and mail that they asked for so i am working with them to get this fix. I once again HAVE NEVER EVER lived on address that they have a file on. I don't have a signature on any applications nor do i have a contract or a lease or anything from this property due to once again me not living here. I am sorry that this has happen to both of us but i am a victim here of theft I will upload everything needed here I can not provide amounts nor dates because i never got a letter or reports about this till i saw it on my credit report.

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 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent 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 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18 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: TX

Complaint narrative:
XX/XX/2023 I received a letter from Citi. That they accepted the debt management proposal. However, I never enter in a debt management program. My daughter XXXX XXXX did in XX/XX/2023. Now she was only an authorized user thats it. Im the primary card holder. So the debt management must of sent a letter to Citi. However, instead of ignoring it. They cancelled my credit card but Im the primary cardholder in good standing. Also, when I called I would get to call collections when my card is in good standing. So today on XX/XX/2023 I called Citi collections and they tell me I have to call the debt management company to remove this request. But I have no account or any communication with this debt management company. This is Citi error because they should of not canceled or closed my account because an authorized user has not authority over a primary user account because it on my credit, my name and my social security. When XXXX tried to tell Citi Collections rep on their mistake. She keep referring me to call the debt management. 
I cant talk to them I have no services or account with this unknown company. Why should I fix Citi error. Now this mistake dropped ky credit scores because they closed my account and now it shows in a payment plan when I never request this. I tried to talk to a manager and the rep didnt want to connect me to one after 7 times I asked and demanded she put me on hold for 10 minutes and stated no manager wants to talk to me. That I need to fax a letter. I told the rep Citi in violation of the XXXX rules and no authorized user can canceled the primary holder credit card and Citi can not used an authorized user debt management program to override the primary card holder credit card. I tried to get this fix and explained that this is Citi error. Debt management did their part to give notice and Citi only had to do is file the letter and do nothing because it didnt pertain to the credit card primary holder. 
Citi is probably doing this error to other clients as well. I want some form of action and some investigation because my credit was affect and my credit card rights were violated Thank you, Primary Credit Card Holer

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 2023-07-18 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: IL

Complaint narrative:
on XX/XX/2023 signed up for free 7 day trail, On XX/XX/2023. I tried to cancel which the web site does not allow. Called XXXX XXXX XXXX, 6 times, pressing prompts etc. no response, no live person and the phone hangs up six times. Completed contact form three times expressing I want to cancel, no response. The seven days end today, I can't cancel so I'm forced to pay the monthly fee. This is deceptive practice and I have no desire to pay for annual credit reports monthly.

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 2023-07-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/2023 an inquiry from KOHLS/CAPONE appeared on my credit report. I have never attempted to open a credit card with Kohl 's or Capital One. When I called the number in the report the representative claimed that they were unable to find the request that would have led to the inquiry. They told me that the inquiry should disappear from my report within a couple of days. It is still on my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
The dispute was resolved and reported by grantor but is still having a derogatory impact on my credit and is still there and it needs to be removed!

Company response to consumer: Closed with explanation