vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Franklin Collection Service, Inc.
State: TX

Complaint narrative:
I signed up with XXXX on XXXX 2019 for a one-year service of $ XXXX. 
The bills came : XXXX {$140.00} XXXX : {$130.00} XXXX : {$150.00} XXXX : {$170.00} XXXX : {$160.00} Each month I called to complain and each month I received a new version of why my bill was higher : features I did not sign up for had expired.. etc etc. I would have to pay disconnection charges higher than keeping the service. We agree on $ XXXX. 
The first bill after the new agreement came in the amount of {$280.00} with the note that " ongoing monthly bills will be {$250.00} ''. 
All exchanges with their agents are duly documented. 
I understood this would be the same saga. I stopped service and pay the last $ XXXX we agreed upon. 
I have filed charges against XXXX XXXX XXXX XXXX XXXX XXXX XXXX claims ( Case No, XXXX ) and reported that to every collector that has called me asking not to send this to the credit bureaus until it is resolved. They consider I owe the difference from the last bill {$240.00}. XXXX have called me, scorned me for not paying the {$100.00} instead, and laughed about my filing. 
Despite that fact and my request to wait until this case is solved, they sent it to collections damaging my XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-17 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: DISCOVER BANK
State: CT

Complaint narrative:
Im submitting this complaint myself and theres no one or third party involved with this submission. I would like to also note that I am a natural living person/ a consumer pursuant to 15 USC 1692a ( 3 ). Additionally, I would like it to be noted that the data furnisher ( Discover Bank ) is violating my right as a consumer according to fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( i ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-18 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: EQUIFAX, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act these companies have violated my rights : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act these companies have violated my rights : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I applied for a line of credit and the reason for the denial they said they couldn't verify my business. They didn't reach out but just sent a email. I asked a manager and ask can I submit my business license to verify he said no

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am the victim of identity theft with Suntrust Bank and BB & T. Who are now Truist bank. When trying to open up accounts in XXXX, XXXX for my business I was informed I could not do so. I assumed this was resolved as I have filed an identity theft claim with the police and also the XXXX credit bureaus.

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 2022-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: HI

Complaint narrative:
On XXXX I mailed a notarized affidavit to PORTFOLIO RECOVERY ASSOCIATES , LLC asking them to provide verification, validation and authenticated accounting information for an alleged debt listed on my consumer report. So that I may study all evidence regarding the alleged debt. As of today 's date, I have not received the requested information or any correspondence. PORTFOLIO RECOVERY ASSOCIATES , LLC is refusing to terminate enforcement and collection of the alleged debt or provide proof. On XXXX PORTFOLIO RECOVERY ASSOCIATES , LLC were mailed a notarized notice of default Affidavit for noncompliance. They are in default and I will be filing a court claim in one week. I am reporting them for violating my rights as a consumer, FDCPA and UCC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Catalyst Mortgage Inc.
State: CA

Complaint narrative:
XXXX from XXXX gives out an interest rate for a mortgage without being license as a Mortgage XXXX. He is a realtor. Please see screen shot below.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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: MS

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-03-17 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: BANK OF THE WEST
State: AZ

Complaint narrative:
Hello, I signed for a XXXX XXXX for my brother, XXXX XXXX. There was a car accident then the car was totaled out ( ruled by the insurance company ) and completely paid in full and in GOOD STANDING due to the XXXX insurance. 

Bank of The West has been refusing to remove this from my account for months even though this situation has been resolved for years. I have proof that it is correct on my brothers credit, but they are refusing to update on my credit. I want it remedied immediately because it is causing issues with me getting future lines of credit for anything my family needs. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio
State: CA

Complaint narrative:
There's an account on my credit report that I've had enough of trying to dispute on my own with no results. Apparently there's a collection agency Vaunce and Huffman LLC, that is reporting on my credit report but has never sent me a single document to notify me of the debt or to respond back to me when I tried to reach out to them myself. I sent them various letters of the past few months which I will include as proof. I was nothing short of nice, respectful and well within my rights to request that they prove to me that they own the debt that are reporting to the credit bureaus and in return, ruining my credit score. I reached out to them on XX/XX/XXXX, then again on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. XXXX requesting removal of accounts and/or monetary compensation due to violations of my rights. XXXX currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore XXXX requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.

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 2022-03-17 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: Nelnet, Inc.
State: CA

Complaint narrative:
To Whom It May Concern : I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. I demand the below accounts be deleted from my consumer report. 
List of accounts to be deleted. 
US DEPT OF EDXXXX Account number XXXX Date opened Indicates the date an account was opened XX/XX/2011 The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report. 
Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now

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 2022-03-17 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: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
HSBC XXXX XXXX # XXXX HSBC CXXXX XXXX XXXX # XXXX On XX/XX/2022, I noticed something strange happening to my credit cards. A new credit card ( XXXX XXXX XXXX ) was added to my profile, and whatever charge or payment was posted onto my old credit card ( XXXX XXXX XXXX ) was being posted and adjusted onto the new XXXX XXXX  XXXX. I thought, this is just a system error, and probably, would get resolved in an update, etc. Few days passed, and I contacted HSBC customer service, and after the agent reviewed everything on the account, I was notified that ostensibly on XX/XX/XXXX, a letter was sent out to me, saying that if I no longer satisfy the XXXX relationship requirements, I will be downgraded. I never received that letter, and more importantly, I satisfied the HSBC XXXX requirements through both my HSBC deposit accounts in the US and my linked HSBC XXXX deposit accounts inside XXXX, and then downgrade has occurred by mistake. 
I contacted customer service one more time, on XX/XX/XXXX, and requested my XXXX XXXX XXXX to be upgraded back to XXXX XXXXXXXX, as obviously I satisfy the XXXX requirements, and the system has downgraded me by mistake. I was told by the agent, after a lot of communications with the back office, that I need to " re-apply '' for the XXXX Credit Card and they can not automatically product change again. 

So, essentially, HSBC without proper notice and communication, and by mistake downgraded me to the HSBC XXXX XXXX  XXXX, and it was OK for them to product change me on their own, but now that I am pointing out their mistake, and want my old XXXX Credit Card ( which I paid a {$XXXX} Annual Fee for in XXXX, and did not even get to use it for the full year ), I have to go through a new application, and can not be automatically product changed... 

This is double standards, and absolutely unacceptable. I, hereby, request HSBC bank to product change my HSBC XXXX XXXX XXXX to the HSBC XXXX XXXX XXXX, and give me my old credit card back, which I paid an annual fee for, and was downgraded by mistake, and without proper notice, and communication. 

Thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation