vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: AK

Complaint narrative:
Discover credit card was closed in XXXXXXXX XXXX XXXX. Balance was transferred to a XXXX XXXX account prior to closing, and balance showed XXXX. Discover card account was closed over the phone, and I was ensured the balance was transferred and I was closing the account. Discover sent a printed statement showing XXXX balance after closure. I was then charged a residual interest amount of {$13.00} after closing my account unbeknownst to me. This amount then became past due, resulting in a delinquency and loss of credit score. I never received a phone call about my issue, so the problem went undetected by me. This is a nefarious and predatory practice by Discover Card and should not be affecting my credit score like it has. Completely unacceptable behavior by Discover.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
To Whom It May Concern : I recently received a copy of my XXXX XXXX or Trans Union credit report, and I noticed some late payments posted on my consumer report. 

List accounts XXXX XXXX  XXXX Your company is in clear violation of the law, Under 15 USC 1681b -permissible purpose of consumer reports. THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) 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 Did I give you written instructions to furnish this account on my consumer report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( 1 ) Exclusions from a consumer report clearly states : ( a ) EXCLUSIONS- Expect as provided in paragraph ( 3 ) the term consumer report does not include- ( A ) Subject to section 1681s-3 of this title any- ( 1 ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactory with deletion of the above referenced account, and send out a free copy of my report after changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of Identity Fraud 3.Fair Debt Collection Practices Act 15 USC 1692 violations 4.Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance -616 liability for willful noncompliance 15 U.S.C 1681n Best Regards,

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 2022-07-14 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: LA

Complaint narrative:
I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

These accounts/ items are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, US DEPT ED XXXX, US DEPT ED 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 2022-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

These accounts/ items are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, US DEPT ED XXXX, US DEPT ED 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 2022-07-14 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: AES/PHEAA
State: LA

Complaint narrative:
I appreciate you taking the time to DELETE some of the information in my credit file ; however, there are still account that need to be DELETED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureau to validate this account ( A ). I hope this disputed account is removed. FEDLOAN  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 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: LA

Complaint narrative:
I recently checked my updated personal credit report and I noticed unauthorized credit inquiries still remain on my personal credit report I contacted these companies and asked them to remove their credit inquiries from my credit profile. 

I request that you initiate an investigation into the below inquiries on my credit report to determine who authorized these inquiries. If, once your investigation is complete, you find my allegation to be true, please remove these inquiries and send me an updated copy of my credit report at the address listed above. 

XXXX XXXX Inquired on XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX If you find the inquiries referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: WA

Complaint narrative:
RMS reached out to me for debt of {$4100.00} which they alleged I owe to XXXX who I worked for till 2018, I have never been reached out by XXXX regarding any debt and I received my No-Dues from them. 
I dont owe this debt, its false claim against me.

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 2022-07-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX  a third party collections agency account number XXXX is reporting inaccurate data violating 15 USC 1692F section 808. Unfair practices by reporting the following to Transunion and XXXX : fees charged 3 to 4 times a month and a past due balance higher than the amount owed. According to the FCRA and the FDCPA 15 USC 1692F section 808 Unfair Practices : a debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. The following conduct is a violation of this section : The collection of any amount including any interest, fee, charge, or expense incidental to the principal obligation. This account was opened XX/XX/2017 by XXXX XXXX XXXX. I am an XXXX XXXX XXXX  XXXX  and they failed to report the medical visit under the proper insurance accounting code. The original balance was {$320.00} and over the last 5 years I have been trying to dispute this matter. The collections company continues to report fees to TransUnion and XXXX multiple times a month. The amount now due is {$770.00}. I would like for this item to be removed from my credit reports. Thank you for your assistance in 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 2022-07-14 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: NC

Complaint narrative:
XXXX XXXX XXXX  a third party collections agency account number XXXX is reporting inaccurate data violating 15 USC 1692F section 808. Unfair practices by reporting the following to XXXX and Equifax : fees charged 3 to 4 times a month and a past due balance higher than the amount owed. According to the FCRA and the FDCPA 15 USC 1692F section 808 Unfair Practices : a debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. The following conduct is a violation of this section : The collection of any amount including any interest, fee, charge, or expense incidental to the principal obligation. This account was opened XX/XX/2017 by XXXX XXXX XXXX I am an XXXX XXXX XXXX XXXX and they failed to report the medical visit under the proper insurance accounting code. The original balance was {$320.00} and over the last 5 years I have been trying to dispute this matter. The collections company continues to report fees to XXXX and Equifax multiple times a month. The amount now due is {$770.00}. I would like for this item to be removed from my credit reports. Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
These debt does not belong to me. Ive tried to dispute twice i would like further input on these accounts. Its on all three credit reports. 

1 ). Account number XXXX Balance Amount {$570.00} 2 ). Account number XXXX Amount {$310.00} 3 ) .account number XXXX {$230.00} 4 ). Account Number XXXX {$280.00} 5 ) .account number XXXX {$480.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 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: MT

Complaint narrative:
Experian I changed my legal name in XX/XX/XXXX in the XXXX of Arizona, XXXX XXXX. I sent the court documents online as Experian requested in XXXX of XXXX. Then I called in late XXXX to ask if they would please merge my files because they had two files. They said they received the paperwork and apologized it had not been done. They told me to call back in two weeks. I did. They still had not merged the file. I spoke with XXXX, who told me she would escalate it to the data quality department. She gave me a case number and said to call back in two weeks. I called back, but for the next week and a half, their phone lines were down. Finally, a month later, I was able to connect with them again. I spoke with XXXX, who found the file was still not merged then the call was dropped. ( When I call the initial person to answer the phone, tell me they don't care, and it's not their job to merge files, I just need to get over it. They constantly argue non-stop and drop my call instead of getting me a manager. XXXX, I think because he kept mumbling, his name would not give me to a supervisor because was concerned I would complain about him. Truly the worst service I have ever had at any company EVER. ) Then I called back the next week after XXXX dropped my call. I was told they would merge the file and to call in a week. I called in a week, it is now XXXX ... .I got XXXX XXXX who said by this XXXX, the XXXX of XXXX, the files would be merged. She hinted that they would only do part of my old file, not the whole thing, because they didn't need to do anything past seven years. I disagree with this. She would call me if she had any progress otherwise, wait and call back. This whole situation is stopping me from being able to buy a house or get a credit card because companies can not verify me. I need my files to be merged. I have the same date of birth, same social, same previous address, and banks. They have the court paperwork and will not do their job. The case number is case number XXXX. Please help

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 2022-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My requests for proper verification and the removal of the fraudulent information on my credit reports have been disregarded despite the numerous written letters I have sent to the three credit bureaus. I last wrote to the credit bureaus Experian, XXXX, and XXXX on XX/XX/XXXX, but I never heard back from them. It is evident from a copy of my most recent credit report that the credit bureaus disregarded my requests. The Credit Bureaus violated FCRA section 605b, which requires them to erase any accounts and information that were created as a result of identity theft. I approached the FTC and reported the theft of my identity. I also included copies of the FTC 's Identity theft report. The below described fraudulent items are still showing up on my credit record. I'm hoping you can assist me out and get these things eliminated as soon as you can. I am frustrated to see the credit bureaus do nothing to remove the information I am disputing from my credit file. Although I am inclined to pursue legal action, I will give the credit bureaus one more chance to make things right and correct my credit report. I need the following items deleted completely from my Credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  Inquiry : 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 non-monetary relief
Consumer complaint received 2022-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: OH

Complaint narrative:
I have filed for a copy of my consumer report several times over the past 2 months. They keep claiming they hwv3 sent me a letter and then they will provide my with my report after I receive it. 

Then they send an email and ask that I verify my email address. 

3 steps to get a report that I haven't been able to receive still at this current time. 

My rights are being violated and I am unable to acquire the proper financing to support myself and my family. I have attached the adverse action notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: OK

Complaint narrative:
On XX/XX/2022 I discovered that my Direct Express Debit card was stolen. My XXXX XXXX XXXX were drained from this account fraudulently. I contacted Direct Express immediately and was given a claim number. I also contacted local authorities and filed a police report. 
Direct Express sent a new debit card but has not sent the dispute paperwork within the time frame promised. 
I have sent a letter, called multiple times and emailed Direct Express with all of the required information an

d Direct Express has yet to refund my money. Direct Express is in violation of regulation E 12 CFR part 1005 by fa
iling to refund the money stolen from my account despite following their Terms And Conditions for use of the access device issued to me by them. 
Direct Expresss customer service and fraud department has been impossible to reach leaving me at a loss not to mention destitute. 
As I stated in an sworn affidavit of facts to Direct Express, I, XXXX XXXX XXXX swear under penalty of perjury that the above statement is true and factual. 
I respectfully ask that the CFPB investigate this matter as well as why two other closed accounts that are associated with me still show up on the mobile app and on their website. There should only be one debit card open ending in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 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: TX

Complaint narrative:
I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed page of my credit report. 

The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. 

Item : XXXX XXXX XXXX Account # XXXX Reason : NOT MY ACCOUNT It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within the 30 day period constitutes reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ).

Also, pursuant to 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this

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 2022-07-14 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:
To Whom It May Concern : I recently received a copy of my Experian XXXX or XXXX XXXX credit report, and I noticed some late payments posted on my consumer report. 

List accounts XXXX XXXX  XXXX Your company is in clear violation of the law, Under 15 USC 1681b -permissible purpose of consumer reports. THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) 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 Did I give you written instructions to furnish this account on my consumer report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( 1 ) Exclusions from a consumer report clearly states : ( a ) EXCLUSIONS- Expect as provided in paragraph ( 3 ) the term consumer report does not include- ( A ) Subject to section 1681s-3 of this title any- ( 1 ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

Delete above late payments from my consumer report, this agency is in violation of 15 USC 1681. 

Failure to respond satisfactory with deletion of the above referenced account, and send out a free copy of my report after changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of Identity Fraud 3.Fair Debt Collection Practices Act 15 USC 1692 violations 4.Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance -616 liability for willful noncompliance 15 U.S.C 1681n Best Regards,

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