vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-22 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are all part of a double billing scheme sent out after Ive reported fraud several times regarding the accounts due to the XXXX breach in 2017. My information was released and as you can tell from their list Im a qualified victim, and Ive been battling it ever cents. There are numerous unauthorized transactions, forwardly reported and were brushed off by each entity, including XXXX XXXX, it has been a struggle to clear up what has been a long, lasting conundrum of arguments and what if when the law protects me and should have it released within XXXX. The time

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Aldous & Associates, PLLC
State: MI

Complaint narrative:
Aldous and Associates XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX ACCT # : XXXX has been trying to collect a debt that is not enforceable for a number of years. I used to be a member at XXXXXXXX XXXX XXXXXXXX in the XXXX XXXX XXXX XXXX It was a non contract month to month membership that could be cancelled at any time. 

I informed management that I would be moving to XXXX, MI in XXXX of 2018 and would no longer be using their facilities. They had me sign a little touch pad and told me I was good. Apparently ; I wasn't. 

I am nearly 2,200 miles away from any XXXX XXXX XXXX facilities and am a member at XXXX XXXXXXXX which has facilities NATION WIDE including in the XXXX XXXX XXXX There is no reason I would have kept this membership as I visit XXXX for a week maximum every eighteen-months. 

XXXX and XXXX have already removed this from my report ; however, the company themselves have not removed it from my XXXX XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING INQUIRIES. PLEASE BLOCK AND REMOVE IT. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-22 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: CT

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. I demand these accounts listed below be removed. 

Account : XXXX XXXX  Account Number : XXXX Account : XXXX Account XXXX Account : XXXX  XXXX Account Number : XXXX Account : XXXX XXXX XXXX XXXX Account Number : 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 2023-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JTM Capital Management, LLC
State: MI

Complaint narrative:
Your company is reporting an account on my credit report inaccurately. I have never opened or given permission to anyone to do so. It Is Violating, Intrusive and Illegal.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are all part of a double billing scheme sent out after Ive reported fraud several times regarding the accounts due to the XXXX breach in 2017. My information was released and as you can tell from their list Im a qualified victim, and Ive been battling it ever cents. There are numerous unauthorized transactions, forwardly reported and were brushed off by each entity, including XXXX XXXX, it has been a struggle to clear up what has been a long, lasting conundrum of arguments and what if when the law protects me and should have it released within XXXX. The time

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are all part of a double billing scheme sent out after Ive reported fraud several times regarding the accounts due to the Equifax breach in 2017. My information was released and as you can tell from their list Im a qualified victim, and Ive been battling it ever cents. There are numerous unauthorized transactions, forwardly reported and were brushed off by each entity, including XXXX XXXX, it has been a struggle to clear up what has been a long, lasting conundrum of arguments and what if when the law protects me and should have it released within XXXX. The time

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22 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: GA

Complaint narrative:
XX/XX/2023, at XXXXXXXX XXXX  I spoke to Bankruptcy courthouse employee XXXX. I asked her does the Bankruptcy XXXX report to credit Bureaus. She stated that the bankruptcy court does not report to credit bureaus. I asked her if I could attain documentation stating that the Bankruptcy doesnt report to credit unions. She stated she couldnt send any documentation, but it clearly states on the Bankruptcy Court House website that the court doesnt report to credit bureaus. The Bankruptcy XXXX XXXX Office is not responsible for credit reports and does not provide information to credit reporting agencies. They do not report any bankruptcies to anyone So if that is the case. How did the credit bureau verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 U.S.C 1681.

15 U.S.C 1681 section 603 ( 3 ) ( E ) States : The term investigate consumer report means a consumer report or portion thereof in which information on a consumer 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 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 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.

They also violated my right numerous times.

The credit bureaus violated my given rights under 15 U.S.C 1681.

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

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.

According to : 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22 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: LEXISNEXIS
State: GA

Complaint narrative:
XX/XX/2023, at XXXX XXXX I spoke to Bankruptcy courthouse employee XXXX. I asked her does the Bankruptcy Court report to credit Bureaus. She stated that the bankruptcy court does not report to credit bureaus. I asked her if I could attain documentation stating that the Bankruptcy doesnt report to credit unions. She stated she couldnt send any documentation, but it clearly states on the Bankruptcy Court House website that the court doesnt report to credit bureaus. The Bankruptcy Clerk 's Office is not responsible for credit reports and does not provide information to credit reporting agencies. They do not report any bankruptcies to anyone So if that is the case. How did the credit bureau verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 U.S.C 1681.

15 U.S.C 1681 section 603 ( 3 ) ( E ) States : The term investigate consumer report means a consumer report or portion thereof in which information on a consumer 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 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 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.

They also violated my right numerous times.

The credit bureaus violated my given rights under 15 U.S.C 1681.

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

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.

According to : 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 non-monetary relief
Consumer complaint received 2023-07-22 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My husband, XXXX XXXX  XXXX  XX/XX/2022. The XXXX Capital One account was paid in full in XXXX of this year. XXXX XXXX had charged {$65.00} to his account while he was in XXXX and they refunded it back to Capital One shortly after the account was paid in full. I verified with Capital One that they had received the credit back to his account over XXXX months ago. I am still awaiting the refund check to me. There is absolutely no reason for them to keep my funds this long. I appreciate any help you can give me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
i got a notice from XXXX XXXX that an application and hard inquiry were made in my name for a target  credit card yesterday XX/XX/XXXX on XX/XX/XXXX i also called target to tell them it wasnt me. called XXXX to tell them it wasnt me and update all my info. mailed XXXX a letter to update name and address. called the local post office to let them know i moved 2 years ago and should not be getting mail at that address anymore. came here to fill this out XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
Looking to get my money back for these following XXXX Charges from {$600.00} XX/XX/2022 {$2700.00} XX/XX/2022 {$4400.00} XXXX XXXX 2022 {$2000.00} XX/XX/2022 {$2000.00} XX/XX/2022 {$1200.00} XX/XX/2022 {$1800.00} XX/XX/2022 {$1800.00} XX/XX/2022 {$1800.00} XX/XX/2022 {$1600.00} XX/XX/2022 Going back and forth with my bank, XXXX is holding my funds XXXX. 

I was scammed by a XXXX company using my paypal account which as of now has completely vanished and is unresponsive in the case of any of the charges on my account. 

There is an ammassed amount of around {$20000.00} USD in limbo and XXXX currently has claims to it and they are refusing to re-open the charges because they were already openned through my bank, the second refusal is because it was outside of the 180 day timeframe ; but I filed these with my bank prior to that 180 days, right now if I contact XXXX for my money back XXXX is refusing to give this back due using " Their Policy '' as a hide around. 

I just want my money back to help pay for college and bills. This is all I ask.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Selene Holdings LLC
State: NJ

Complaint narrative:
INVESTIGATION FRAUD SELENE FINANCE Since XXXX I have been requesting a Relief Financial Hardship Modification on deceased mother 's default loan, that was transferred to Selene by XXXX XXXX XXXX. Selene has created another fraudulent refinance conventional loan modification that I am not eligible for ( XXXX & XXXX ), false bankruptcy, and XXXX pages of inaccurate information on my credit report that I have not authorized nor consented to. My credit is not linked to make a loan, and I am not a co-signer or share title of property. Federal law allows me to assume default mortgage of property of deceased mother 's " XXXX '' debt. As of XXXX XXXX Selene Finance has not altered terms for a financial hardship relief to cure mother 's arrears in default. The goal has not been met to reduce payment of " XXXX '' loan to fit my financial status. As the inheritor I fall under the " Garn-ST Germain Act 'XXXX -Law provides laws to protect me to assume the Original loan. Selene is in violation of FDCPA with sending me and my lawyer a false and misleading loan re-finance modification and loan acceleration letter which contains erroneous and deceptive statements in my name to intimidate to make immediate payments on a fraudulent loan. Selene has made XXXX hard inquiries & XXXX inaccurate information on my credit report causing my credit score to decrease XXXX points. As of XXXX XXXX to present date I have not spoken to anyone at Selene Finance, as ALL communication goes directly through my lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22 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: CT

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. I demand these accounts listed below be removed. 

Account : XXXX XXXX XXXX Account Number : XXXX Account : XXXX XXXX  Account Number : XXXX Account : XXXX Account XXXX Account : XXXX  XXXX Account Number : XXXX Account : XXXX XXXX XXXX XXXX  Account Number : 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 2023-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, was resolved with an Identity report and was XXXX XXXX the XXXX party collection agency. Please see attached documents and reports from the Consumer Financial Protection Bureau. I would like for this account to be removed and deleted from my consumer report from all three credit bureaus such as Experian, XXXX, and 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 2023-07-22 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: GA

Complaint narrative:
XX/XX/2023, at XXXX XXXX I spoke to Bankruptcy courthouse employee XXXX. I asked her does the Bankruptcy Court report to credit Bureaus. She stated that the bankruptcy court does not report to credit bureaus. I asked her if I could attain documentation stating that the Bankruptcy doesnt report to credit unions. She stated she couldnt send any documentation, but it clearly states on the Bankruptcy Court House website that the court doesnt report to credit bureaus. The Bankruptcy Clerk 's Office is not responsible for credit reports and does not provide information to credit reporting agencies. They do not report any bankruptcies to anyone So if that is the case. How did the credit bureau verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 U.S.C 1681.

15 U.S.C 1681 section 603 ( 3 ) ( E ) States : The term investigate consumer report means a consumer report or portion thereof in which information on a consumer 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 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 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.

They also violated my right numerous times.

The credit bureaus violated my given rights under 15 U.S.C 1681.

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

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.

According to : 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22 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 — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
During the XXXX pandemic I missed XXXX payments on different accounts because I was not working due not be able to work in my industry. I disputed all three and the have yet to take them off my credit report. Also had covid 3 times and missed work.

Company response to consumer: Closed with explanation