vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-17 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: Avant Holding Company, Inc.
State: MI

Complaint narrative:
To Whomever Concern, On XX/XX/XXXX. The Original Creditor AVANT/WEBBANK added a collections account on my credit report per XXXX XXXX XXXX XXXX Upon further research, on XX/XX/XXXX When First Noticing the account. I asked the company XXXX XXXX XXXX in writing to verify this account. In which the account stated I owed a balance of XXXX dollars. AVANT are breaking multiple laws as they have sold this debt 3 times, and each time I XXXX XXXX Has disputed the inaccurate account, In results the account was not verified, and was removed immediately. After the 30 days, but the debt was SOLD TO XXXX XXXX XXXX, and the company put the debt back on my credit report. Im demanded for this account to be removed from my credit report, due to the fact the original creditor could not verify the collections account. AVANT immediately sold the collections account to XXXX XXXX XXXX Without any acknowledgment XXXX XXXX XXXX is also reporting the inaccurate account information, such as payment status, balance due, creditor name, I feel as I am not responsible for this account. There was no written form of communication, contract or wet signature for the accused Debt in the amount of XXXX at all. According to the FCRA XXXX XXXX XXXX has violated my rights as a consumer and Im requesting legal action to remove this COLLECTIONS ACCOUNT off my credit report. As I have no association with AVANT/WEBBANK OR XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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: NY

Complaint narrative:
On XX/XX/2022 I submitted a dispute with equifax on three different accounts in charge off that had inaccurate information reported for over 2+ years ; and instead of taking the 30 days to investigate. Equifax immediately on XX/XX/2022 allowed the data furnisher to modify the credit report to update the information they failed to report accurately in the first place. And because the accounts were reported incorrectly I requested the accounts be removed but instead modified the information and refuse to change it. 
I have also submitted disputes with XXXX but once their investigation was complete their dispute center and telephone service refuses to let me submit another dispute. 

XXXX  XXXX : {$770.00} XXXX XXXX : {$530.00} XXXX XXXX  : {$260.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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: TX

Complaint narrative:
XXXX XXXX is reporting 30 days late payments on my credit report for the months XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Federal law states that late payments can not be reported until at least 30 days past due date. I contacted XXXX XXXX  to confirm full payments were made before the 30 days for each incorrect reporting, dates listed below. XXXX XXXX  refused to correct this error. 

XX/XX/XXXX due XX/XX/XXXX - paid in full by XX/XX/XXXX XX/XX/XXXX - due XX/XX/XXXX - paid in full by XX/XX/XXXX XX/XX/XXXX - due XX/XX/XXXX - paid in full by XX/XX/XXXX XX/XX/XXXX - due XX/XX/XXXX - paid in full by XX/XX/XXXX XX/XX/XXXX - due XX/XX/XXXX - paid in full by XX/XX/XXXX XX/XX/XXXX - due XX/XX/XXXX - paid in full by 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 non-monetary relief
Consumer complaint received 2022-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX is reporting 30 days late payments on my credit report for the months XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Federal law states that late payments can not be reported until at least 30 days past due date. I contacted XXXX XXXX  to confirm full payments were made before the 30 days for each incorrect reporting, dates listed below. XXXX XXXX  refused to correct this error. 

XX/XX/XXXX due XX/XX/XXXX - paid in full by XX/XX/XXXX XX/XX/XXXX - due XX/XX/XXXX - paid in full by XX/XX/XXXX XX/XX/XXXX - due XX/XX/XXXX - paid in full by XX/XX/XXXX XX/XX/XXXX - due XX/XX/XXXX - paid in full by XX/XX/XXXX XX/XX/XXXX - due XX/XX/XXXX - paid in full by XX/XX/XXXX XX/XX/XXXX - due XX/XX/XXXX - paid in full by XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
This was never mine. My ex left in 2013 and took all my information bank account etc. 
I have not opened this account and know nothing about it till I got this notice of a judgement. 

I have had to fight several of the debts he opened. In my name. 


Please help me get this cleared from my name Thank you XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-17 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2022, I sent XXXX  a dispute advising that there was an account reporting on my credit report that was unknown because the furnisher was not listed for the alleged collection account. According to the FCRA every account must report accurate, complete, and verifiable 100 %. Only the account number was present for these collections. After reviewing an updated copy of my credit report on equifax.com I noticed they simply changed the account to reflect with a furnisher name. XXXX did not send me anything acknowledging the dispute. They also did not add the notice of dispute per Section 623 and that is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: WEALTHFRONT CORPORATION
State: CA

Complaint narrative:
On XX/XX/2022, Wealthfront sent me an email saying that they wanted to close my account. The email did not state a reason, nor did it give the opportunity to address or respond to any perceived problem with my account. A reply email was ignored. 

After waiting approximately a week for a reply to my email, I sent another email asking for an explanation, only to receive a reply saying that their legal team made the determination, and that they refuse to provide a reason, again denying me any opportunity to address whatever problem they have with my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MN

Complaint narrative:
To whom it may concern : My Roth IRA through USAA Federal Savings Bank was liquidated per my divorce decree. On XX/XX/2015 the Year End Summary value of my portfolio was {$22000.00}. Year End Summary on XX/XX/XXXXYear End Summary value of my portfolio is {$0.00}. 

I am unable to locate where this money was transferred to and on what date. Numerous phone calls to USAA are unsuccessful as USAA claims to have no knowledge or documentation and my ex-husband claims he never received it? There must be some sort of documentation or record regarding this?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: WI

Complaint narrative:
I've submitted all the evidence I had, yet Chime still refuses to side with me. I believe this bank is a fake. I got a charge from XXXX that I was confused by as I didn't make the charge because I already own XXXX vehicles. I told Chime about this and I thought I could trust them with my banking needs, but obviously they can't. They were supposed to protect me in the event that something happens, but even with the overwhelming evidence I provided, they denied me XXXX SEPARATE TIMES. I showed them proof of my other vehicles, the location I was at when I was charged ( at home ), and they refuse to give me a reason why. I requested for the reason, and they basically told me the reason is because they denied my claim. That's not a reason! And at this point, if Chime doesn't decide to issue me back my hard-earned money, I will be forced to take legal action against Chime. I'm already speaking with my lawyer due to the frustrations I have to deal with. Because this is ridiculous. Chime advertises itself as a place where your money is safe and secure, yet I had over {$500.00} ripped away from me and Chime refuses to give me the money back. These " investigations '' Chime makes are not investigations. Investigations don't happen in this short of a time span. So not only am I looking into legal mitigation, I will use my social media platform of over XXXX followers to expose Chime for the things they've done to me. Chime can simply look over the emails for all of the proof I provided that I didn't make those XXXX charges. XXXX is a fraud company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have tried for months to get my credit report from Equifax and myequifax.com. Every time I try to login I get an error to call them. I have spent hours on the phone trying to get this fixed. Whenever I'm told it's been escalated I call back and I'm told it wasn't escalated. No one will fix the issue so that I can get my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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: NV

Complaint narrative:
I've noticed Unauthorized inquiries on my Transunion credit report. The customer service rep did not help me remove the negative and inaccurate inquiries that are reporting on my report. These inquiries are from : XXXX  XXXX XXXX XX/XX/22 XXXX XXXX XX/XX/22 I have no such accounts attached to these inquiries.

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 2022-08-17 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: MI

Complaint narrative:
To Whomever Concern, On XX/XX/XXXX. The Original Creditor XXXX added a collections account on my credit report per XXXX XXXX XXXX XXXX Upon further research, on XX/XX/XXXX When First Noticing the account. I asked the company XXXX XXXX XXXX in writing to verify this account. In which the account stated I owed a balance of XXXX dollars. XXXX are breaking multiple laws as they have sold this debt 3 times, and each time I XXXX XXXX Has disputed the inaccurate account, In results the account was not verified, and was removed immediately. After the 30 days, but the debt was SOLD TO XXXX XXXX XXXX, and the company put the debt back on my credit report. Im demanded for this account to be removed from my credit report, due to the fact the original creditor could not verify the collections account. XXXX immediately sold the collections account to XXXX XXXX XXXX Without any acknowledgment XXXX XXXX XXXX is also reporting the inaccurate account information, such as payment status, balance due, creditor name, I feel as I am not responsible for this account. There was no written form of communication, contract or wet signature for the accused Debt in the amount of XXXX at all. According to the FCRA XXXX XXXX XXXX has violated my rights as a consumer and Im requesting legal action to remove this COLLECTIONS ACCOUNT off my credit report. As I have no association with XXXX OR XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
To Whomever Concern, On XX/XX/XXXX. The Original Creditor XXXX  added a collections account on my credit report per LVNV FUNDING LLC XXXX Upon further research, on XX/XX/XXXX When First Noticing the account. I asked the company LVNV FUNDING LLC in writing to verify this account. In which the account stated I owed a balance of XXXX dollars. XXXX are breaking multiple laws as they have sold this debt 3 times, and each time I XXXX XXXX Has disputed the inaccurate account, In results the account was not verified, and was removed immediately. After the 30 days, but the debt was SOLD TO LVNV FUNDING LLC, and the company put the debt back on my credit report. Im demanded for this account to be removed from my credit report, due to the fact the original creditor could not verify the collections account. XXXX  immediately sold the collections account to LVNV FUNDING LLC Without any acknowledgment LVNV FUNDING LLC is also reporting the inaccurate account information, such as payment status, balance due, creditor name, I feel as I am not responsible for this account. There was no written form of communication, contract or wet signature for the accused Debt in the amount of XXXX at all. According to the FCRA LVNV FUNDING LLC has violated my rights as a consumer and Im requesting legal action to remove this COLLECTIONS ACCOUNT off my credit report. As I have no association with XXXX/XXXX  OR LVNV FUNDING LLC XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
To whom it may concern Im writing this in regards to unauthorized transactions which happened on XXXX XXXX through XXXX XXXX  with my capital one 360 checking debit card from XXXX with several transactions as follows XXXX {$1100.00} XXXX 2022 $ XXXX {$130.00} XX/XX/XXXX {$1000.00} and XXXX when I spoke to several claims representative I informed Capital One that my phone, wallet which includes all my credentials was compromised I also provided a case number from XXXX XXXX Police Department as I explained the urgency of why this was not authorized by me one representative stated that an investigation was going to be held in the mean time a temporary credit would be provided because this really happened at a bad time where I had to pay my mortgage and car note capital one did not care its been ten days when I called over and over they stated it would be taking care of I finally spoke to another representative who stated that my claim was denied because my phone was used well of course my phone was used it was stolen with all my debit cards and information I am very un satisfied with the service I received especially in this time of trouble please someone help because this needs to stop I provided police details etc and capital one has the nerve to come to decision without doing any research im having a hard time recommending this company to anyone from now on until this issue is fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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: NY

Complaint narrative:
On XX/XX/2022 I submitted a dispute with XXXX on three different accounts in charge off that had inaccurate information reported for over 2+ years ; and instead of taking the 30 days to investigate. XXXX immediately on XX/XX/2022 allowed the data furnisher to modify the credit report to update the information they failed to report accurately in the first place. And because the accounts were reported incorrectly I requested the accounts be removed but instead modified the information and refuse to change it. 
I have also submitted disputes with Experian but once their investigation was complete their dispute center and telephone service refuses to let me submit another dispute. 

XXXX  XXXX : {$770.00} XXXX XXXX : {$530.00} XXXX XXXX  : {$260.00}

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 2022-08-17 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: NY

Complaint narrative:
I am a natural person, I am a living human being. I have rights under 15 U.S.C 1681.

Equifax is governed by 15 U.S.C 1681. They have violated my rights numerous times. I demand that these accounts be removed because according to 15 U.S.C 1681 I have the right to privacy and I did not give Equifax written permission to furnish these accounts. These accounts have been litigated and balances reported are incorrect. Both of these accounts have been closed and delinquent past the statutory time allowed to be reported. The company reporting these items hasnt submitted a closing date because it proves that the accounts are in violation of the statutory law. There hasnt been a thorough, reasonable, or fair investigation. If there was these credit bureaus would have noticed the violation and corrected it XXXX recognized the inaccurate information and removed them. Ive submitted enough legal documentation for them to do a fair investigation XXXX XXXX XXXX XXXX XXXX  ) are the items in reference

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Dunlap Gardiner LLP
State: GA

Complaint narrative:
I request a payment arrangement online for HOA dues to XXXX XXXX on XX/XX/2022. For which, I received a confirmation. I made a {$50.00} payment in early XX/XX/2022. Upon preparing to make an additional {$50.00} in XXXX, I received a notification from Dunlap Gardener law office of a pending action to start the lien process. XXXX has refused to acknowledge the online payment arrangement and has not been responsive to attempts from the law office of the provided arrangement confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I went to my local dentist at XXXX XXXX XXXX XXXX and needed a procedure done and they offered me a in person payment plan that I would pay monthly and asked for my information, I asked if it would hurt my credit in anyway and they assured me that it would not hurt it in anyway the information was only going to be used for general purposes. As the receptionist entered my information I was informed by my mobile device that my credit was pulled with a hard inquiry and she said that it was not possible and said I should file a dispute to the Credit Bureau which I did on XX/XX/XXXX after receiving a credit card in the mail for XXXX XXXX which I did not approve.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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

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

15 U.S.C 1681 section 602 A Sectio
n 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence, I want this to be deleted from my credit report. 

XXXX XXXX - {$1100.00} XXXX - {$22000.00}

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 non-monetary relief
Consumer complaint received 2022-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence, I want this to be deleted from my credit report. 

XXXX XXXX XXXX {$1100.00} XXXX - {$22000.00} XXXX XXXX XXXXXXXX XXXX XXXX - {$760.00} XXXX XXXX XXXXXXXX XXXX XXXX - {$17000.00}

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 non-monetary relief