vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-28 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: SECURITY CREDIT SYSTEMS INC
State: NY

Complaint narrative:
Four different times last week ( XX/XX/23 ) I called Security Credit Systems to try and pay my debt. Each time when I denied wanting to pay the extra fee to have the debt removed from my credit report, they hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Healthcare Finance Direct LLC.
State: CA

Complaint narrative:
XXXX XXXX XXXX has a problem with their account system and is trying to collect money I do not owe and will not take steps to fix it. 

I purchased XXXX XXXX XXXX ( XXXX ) invisible teeth aligners in XX/XX/XXXX and signed up to pay {$1800.00} financed through HealthCare Finance Direct ( HFD ). I paid the full amount financed in full in XX/XX/XXXX. I did not receive any notices of any money owed in XXXX or XX/XX/XXXX. 

Due to multiple customer service issues with the product, XXXX refunded me {$150.00} on XX/XX/XXXX. ON XX/XX/XXXX a notice was sent to me by HFD stating I was past due {$170.00} and I would be sent to collections If I did not pay. I also received a text message stating I was past due on this date. 

I verified on the XXXX website that I show a balance due. The website shows I missed a payment of {$34.00} on XX/XX/XXXX and I owed {$88.00} and I was past due {$170.00}. I contacted XXXX on XX/XX/XXXX and XXXX from XXXX ( who initially refunded me for {$150.00} ). talked to XXXX from HFD and XXXX said it was a glitch and would be fixed. I checked the website and it still showed a balance due. I talked to XXXX from HFD on XX/XX/XXXX who said it was a glitch and would be fixed. XXXX sent me a paid in full letter that stated " your account is PAID IN FULL in the amount of XXXX ''. That letter is incorrect. My account is paid in full for {$1800.00}, and I have been refunded {$150.00} by XXXX I called on XX/XX/XXXX and spoke to a supervisor XXXX who said I received a letter showing paid in full. I explained the letter was in error, that I needed a corrected paid in full letter, that I am receiving false debt collection letters and XXXX needs to be corrected. She said she would escalate it but she could not fix the portal because of a technical glitch. She said she would take 5-7 days to fix. I explained that 5-7 days has already passed since this was reported on XX/XX/XXXX and I was getting false letters and collection activity. 

HFD when I call states I do not owe money but their portal and their automated computer keeps asking me for money which makes me call them to verify I am paid in full. They have not been able to fix the debt on my online account to show I owe {$0.00} and I am paid in full. I have asked them to provide me the name of their compliance officer and they have refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
The issue I am having is trying to get the SCRA ( Service Members Civil Release Act ) applied to my XXXX XXXX XXXX. My orders and all additional information to prove that I am in the military were accepted on XX/XX/2023. The letter that was sent back denying my eligibility states that the account was opened after the servicemembers entered active duty date. I contacted Comenity Capital Bank on XX/XX/2023, to talk about my situation with a customer service representative about my concerns. The policy that the representative and a manager told me was that the SCRA could only be applied to an account before the enlistment process into the military service had begun. I repeatedly told the representatives this was incorrect because I was fine opening other accounts. The SCRA is supposed to handle debt before enlisting, but it also covers service members during their enlistment when they apply for the SCRA on a credit card. This will be my second contract and fourth consecutive year of military service, and this is my first occurrence of this event. Still, I find it highly disrespectful to be denied, especially as a service member, and it makes me consider that I may not be the only one who has dealt with this similar issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am writing to dispute the accuracy of the information on my credit report. Specifically, there are several violations of the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ) that have negatively impacted my credit score and my life. 

Firstly, with regards to my account with XXXX XXXX # XXXX, there are discrepancies between the reporting of Trans Union and XXXX. While Trans Union recorded a monthly payment of {$0.00}, XXXX and XXXX did not. Additionally, Trans Union reported a late payment on this account, despite the fact that I have never missed a payment. These errors are in violation of Section 1681s-2 ( a ) of the FCRA, which requires creditors to provide accurate and complete information to credit reporting agencies.

Furthermore, there are inconsistencies in the reporting of the last reported date and last active date for this account across different bureaus. This is a violation of Section 1681e ( b ) of the FCRA, which requires credit reporting agencies to maintain reasonable procedures to ensure the accuracy of the information they collect and distribute. 

XXXX account, XXXX. I have never received any notification from XXXX regarding this charge-off account, and they have failed to provide me with any paperwork related to the charge-off. Additionally, the other two bureaus have not reported any negative information on this account. 

The inaccurate and incomplete information reported by XXXX has had a severe impact on my life. It has made it difficult for me to obtain credit, and I have been denied credit on numerous occasions due to this inaccurate information. I have been forced to pay higher interest rates on credit cards and loans, which has resulted in significant financial hardship for me and my family. 

I believe that XXXX has violated the FCRA, specifically sections 1681s-2 ( a ), 1681i ( a ), and 1681e ( b ), by failing to provide accurate and complete information, failing to notify me properly of the charge-off status, and failing to maintain reasonable procedures to ensure the accuracy of the information they collect and distribute. 

Furthermore, I believe that XXXX 's actions constitute unfair, deceptive, or abusive acts or practices, in violation of Section 1036 of the CFPA. 

Therefore, I am requesting that XXXX remove this unverified collection account from my credit report immediately. I would appreciate your prompt attention to this matter. 

Thank you for your time and attention to this matter. 

Sincerely, 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 2023-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I XXXX do not owe this collection company any money. I dont have a contract signed. So that means I dont owe. I will be seeing in federal court under fcra law. Delete from my credit report ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I have been harassed and threatened by this company for over three years now and this company has yet to prove anything to me on what debt they claim I owe! This has affected me since XXXX  a total of XXXX YEARS of this misrepresentation on my consumer report. They have been collecting money on this account since they purchased and it is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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:
Its been over thirty days, and the creditor has not updated the information nor has provided proof or documentation in regards to a late payment. They have not supplied this information and they must delete this alleged late payment on my credit report. Under federal law they had thirty days to complete the investigation, and by failing to do so the item must be deleted as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX -LATE PAYMENT ON XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I DEMAND RELIEF AND REMEDY! I WANT THIS OFF MY CREDIT REPORT AND RELIEF MONEY AS WELL AS THIS COMPANY TO BE HELD ACCOUNTABLE FOR IMPROPERLY NOTIFYING OF SUEING ME. ILLEGALLY PURCHASING DEBT ASKING FOR INCREASED FUNDS THAT INCCURED INTEREST. NOT HAVING ANYTHING SIGNED FROM ME IN THEIR DATABASE. MULTIPLE FALSE ACCOUNTS CONTAINING MY INFORMATION!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have a bankruptcy on one of 3 of credit companies.

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 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: AL

Complaint narrative:
XXXX, XXXX and XXXX are continuously reporting a bankruptcy on my credit report. They have stated that the Data Furnisher is US BKPT CT AL XXXX. So, I contacted them, and they stated they do NOT report, validate or verify anything to ANY credit bureau or third party. Yet the credit bureaus ( all three ) are continuously telling me that their information is verified. through Lexis Nexis Which can not TRUE. I would like this entry on credit report to be removed. Lexis Nexis Does not have it listed and XXXX can not verify me and even if they could they would still have to verify that from the ACTUAL BANKRUPTCY COURT which in my letter it states that THEY DO NOT VERIFY, VALIDATE, or REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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: LA

Complaint narrative:
Please see attached documents detailing where my consumer rights are being violated by this company XXXX. The company has sold this alleged account to a debt collector XXXX XXXX, after several inaccuate reporting found on this account it has been removed from my consumer report but XXXX is still reporting the account as derogatory on my consumer report. How can a company sell a debt and still report the debt as active to the credit reporting agencies? This a clear violation of 15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Several inaccuracies in reporting as per FRCA guidelines *Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap!! 

As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. INCOME DOES NOT GET REPORTED ON THE COSUMER REPORT, WHICH MAKES THIS REPORTING INACCURATE XXXX Acct # 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 2023-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CADENCE BANK
State: AR

Complaint narrative:
On XX/XX/XXXX I called XXXX Arkansas ( XXXX ) to pay an electric bill with a debit card ( checking account ) for {$190.00} ( Cadence BankXXXX ) . Apparently they use ( possibly a subsidiary ) XXXX XXXX ( XXXX ) to handle these types of transactions. I have proof from a bank statement dated XX/XX/XXXX that XXXX did receive this payment which was posted by the bank on XX/XX/XXXX. However, the utility account was never credited and the power has been disconnected ( this is for a garage apartment this is a rental property... presently unoccupied. An invoice was mailed XX/XX/XXXX showing a past due amount of {$250.00}. I contacted XXXX Customer Service ( same number as above ). Three different representatives gave me three different responses. ( 1 ) " Let me see if I can reach out to someone and see why your account was not credited '' ( while on hold they terminated the call. ( 2 ) " You must send your inquiry via e-mail and that's all I can tell you ''. ( 3 ) " We can not help you. You must call XXXX XXXX ''. I called XXXX XXXX yesterday ( XX/XX/XXXX ). During two calls I was placed on hold for over 30 minutes each time and never got to speak with a representative. Today at a local authorized payment location ( XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX Arkansas ) I paid {$280.00} in cash to pay the last bill in full and a {$39.00} cash payment to have power reconnected. Of course, the {$280.00} amount included the {$190.00} already paid but not credited. No one would take any responsibility or try to help me find out why my debit card payment was unaccounted for and misplaced. This is an example of an abusive, incompetent monopoly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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:
I contacted Experian by phone regarding the following collections accounts that don't belong to me : Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX They told me to file a police report, FTC identity theft report, Attach Driver license and to upload that information on their website. I followed their instructions as they told me and they concluded the investigation in less than 1 day on their favor. So my question is " Is Experian doing a proper investigation to determine and validate that those accounts don't belong to 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 2023-03-28 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: MS

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-03-28 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX  # XXXX 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 15 U.S.C 1681c.Section States : no consumer agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a natural person, I am a living human being, I have the rights under 15 USC 1681 Equifax is govern by 15 USC 1681. And they violated my right numerous of times. I demand the accounts listed below be removed because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Finance System of Toledo, Inc.
State: OH

Complaint narrative:
I Have no knowledge of this account, but it is being reported on my credit report. 

Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. Therefore, this is in violation!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX, XXXX and Experian are continuously reporting a bankruptcy on my credit report. They have stated that the Data Furnisher is US BKPT CT AL XXXX. So, I contacted them, and they stated they do NOT report, validate or verify anything to ANY credit bureau or third party. Yet the credit bureaus ( all three ) are continuously telling me that their information is verified. Which IS NOT TRUE. I would like this entry on credit report to be removed. Even XXXX XXXX  Does not have it listed and XXXX can not verify me and even if they could they would still have to verify that from the ACTUAL BANKRUPOTCY COURT which in my letter it states that THEY DO NOT VERIFY, VALIDATE, or 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 2023-03-28 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: MS

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-03-28 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of Accounts in my letter has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item or information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.

Company response to consumer: Closed with explanation