vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-19 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: IL

Complaint narrative:
My complaint is against XXXX formally known as XXXX. They have placed erroneous information on my credit profile that I have been disputing with them directly as well as the Credit Bureaus. Today I received an email from them claiming I owe them a debt and have a right to dispute it. However, I have already been disputing this debt since XXXX of 2022. This account came to my attention in XXXX. 2022 as a charge-off showing up on my credit reports. I have sent written letters as well as emails to them awaring them that this account was open fraudulently and that I have no knowledge of this debt. I was told in response that I would have to dispute with the credit bureaus and with the FTC and they would follow-up with an investigation. I emailed them XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. As well as filing a report with the Federal Trade commission. I delivered the reference number of my report to them ( # XXXX ) via email. Nothing has been done about this. In addition I have pulled my credit report and the data furnisher has violated my consumer rights in accordance with the FDCPA. the data furnisher has failed to mark my account in dispute status, as well as failure to conduct a full and thorough investigation. I have the right to and accurate credit profile. I want this account removed from my credit profile immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
The company continues to contact my job to obtain information concerning my employment and collecting debt through my employer. They also have been using third party services to contact my employer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
Your help is needed as I have been locked out of my Barclays card profile for address changes since XX/XX/XXXX to ensure the address is matching my account. I was mislead that the address they had on file was XXXX XXXX XXXX, XXXX NY XXXX. I contacted XXXX, XXXX and XXXX of the invalid address on my profile and is not a correct location. XXXX has now alerted me that barclays has been sending the invalid address : XXXX XXXX XXXX XXXX XXXX GA XXXX to my file and not XXXX XXXX XXXX XXXX NY XXXX. I called and spoke to XXXX XX/XX/XXXX who stated she was in another country and was not understanding how addresses listed and struggled to assist with no avail. She placed me on hold several times verified a previous address for security purposes. XXXX then disconnected the call while i waited on hold for 37 min 39 sec. XXXX also responded " with a weird expression when I advised her the call would be recorded for quality assurance from my end. Barclays has consistently treated me in a prejudice manner. I have been stressed of the invalid information. I advised I only have one location that I need mail to be sent which is XXXX XXXX XXXX XXXX # XXXX XXXX GA XXXX. Despite, Barclays XXXX XXXX has valid history of my records and address, they have been updating the 3 CRAs with wrong address. Barclays has mislead me to believe the address on file was XXXX XXXX XXXX XXXX NY XXXX. Barclays mislead me that the only address being reported to XXXX, XXXX, XXXX is XXXX XXXX XXXX, XXXX NY XXXX. Barclays has lock the profile to prevent address updates. Barclays has failed to have my name correct in their profile. My only name is XXXX XXXX as per SSN attached.

How can they be mailing my personal information to a wrong address? My rights as a consumer has been violated with all the misrepresentations and prejudicial treatment. 
2ND : BARCLAYS HAS DECREASED MY CREDIT LINE WITH NO adverse action notice despite my XXXX score was at XXXX this only happened after I file a dispute in the message center on XX/XX/XXXX I was then treated unfairly with a reduction to my credit line. To date, I have not received any correspondence to substantiate Barclays actions.

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 2022-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION
State: NV

Complaint narrative:
Not sure this went through on first attempt so apologies if its a duplicate. Paid off XXXX mortgage early XXXX, awaited confirming info but got none. Finally called county XXXX to make sure prop tax bill name changed only to discover XXXX missed the XXXX payment and I had incurred a {$44.00} late penalty. I paid it and the overdue taxes then called XXXX. XXXX said escrow closed XXXX which is 7 days after Taxes due, and I would get the escrow soon. Said he would transfer me to a super but instead I was hung up on. Wrote a letter and notice of error email but was told to call the number again. Still dont have the escrow as of today XXXX. XXXX para 4 says XXXX must either pay the tax or return the escrow. Between XXXX and XXXX they kept the money and did not pay the taxes. They admit the Escrow Refund process did not begin until seven days *after* taxes were overdue. Rule states they must do one or the other not do neither. They did not contact me to inform me. Now, they still have the escrow money and I have also paid the taxes myself plus the penalty.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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: GOLDMAN SACHS BANK USA
State: MO

Complaint narrative:
To Whom it may Concern : In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instrucions.

15 USC 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. 

Apple late postings XXXX XXXX, XXXX, XXXX and XXXX XXXX  late postings XXXX XXXX XXXX late postings XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
I have Portfolio Recovery listed on my credit report XXXX the original creditor was XXXX XXXX XXXX XXXXXXXX. I have disputed with them and through the credit agencies to the account wasn't mine and/or was open up without my knowledge. I submitted a fraud report from the Federal trade commission and it was ignored. I would like for this negative item to be remove from my credit asap. Its not mine and full of inaccuracies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19 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: CL Holdings LLC
State: AZ

Complaint narrative:
According to 15 USC 1681 ( a ) ( 3 ), Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

I hereby put your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I am also aware of the fact that your organization assumed a vital role. As a result, my livelihood has been adversely affected. 

There is no such law that states anything that needs to be reported to a consumer reporting agency. Therefore, your organization is liable. 

Further, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agencies must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 


Your organization neither exercised its responsibilities with fairness and impartiality nor protected my right to privacy. 

I Request You to give me a piece of evidence that the information which is being reported has been properly investigated. Also, provide us with the details of the system adopted by your organization to determine whether the transaction took place or not. 

Further pursuant to 15 USC 1681 ( a ) ( b ) your organization did not adopt such procedures that meet the need of commerce for consumer credit. As a result, I hereby demand to do the following : Delete the alleged accounts off my consumer report and I demand that they also send me XXXX in remedy for the damages done in puirsuant to 15 usc 1681n they have caused mental and financial distress and a hardship in my marriage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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: Kikoff Inc.
State: AZ

Complaint narrative:
According to 15 USC 1681 ( a ) ( 3 ), Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

I hereby put your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I am also aware of the fact that your organization assumed a vital role. As a result, my livelihood has been adversely affected. 

There is no such law that states anything that needs to be reported to a consumer reporting agency. Therefore, your organization is liable. 

Further, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agencies must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 


Your organization neither exercised its responsibilities with fairness and impartiality nor protected my right to privacy. 

I Request You to give me a piece of evidence that the information which is being reported has been properly investigated. Also, provide us with the details of the system adopted by your organization to determine whether the transaction took place or not. 

Further pursuant to 15 USC 1681 ( a ) ( b ) your organization did not adopt such procedures that meet the need of commerce for consumer credit. As a result, I hereby demand to do the following : Delete the alleged accounts off my consumer report and I demand that they also send me XXXX in remedy for the damages done in puirsuant to 15 usc 1681n they have caused mental and financial distress and a hardship in my marriage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
CHASE Bank ( Whom I have no accounts with ) is continually sending me debit cards for new checking accounts being opened in my name repeatedly with almost all of my information except a proper email address which is the fraudster 's. 

I filed a police report locally with the 3 new checking account 3 's initially. Chase Bank thanked me for my help and cooperation and said they would flag my name to keep it from happening again.

Now my wife tells me I have a 4th debit card just sent to the house in my name again.

And Chase is beginning to inquire about why I am not replenishing the negative accounts for money in the realm of $ XXXX in some accounts. 

I imagine someone is making over {$100000.00} a year easily if they are doing this too many others.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
On XX/XX/2022 an account was opened in the Barclay 's Bank. The balance amount was {$530.00}. The Business type was XXXX. The street address of the bank is XXXX XXXX XXXX XXXX, XXXX, Delaware. Zip code : XXXX. I do not recall opening an account.

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 2022-10-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
XX/XX/XXXX my wife and I were sent to XXXX XXXX Doctors by our local doctor for XXXX antibodies Infusions. We filled out all the required paperwork and paid our {$30.00} copay fees. They would not do anything till this was done. All was well until on XX/XX/XXXX we started receiving individual bills for the {$30.00}. We contacted XXXX on XX/XX/XXXX she informed us something was incorrect and she would call us back with an update in a couple weeks. She said she would change the due date as not to harm our credit. ( never called back ) We both got new bills on XX/XX/XXXX. We called on XX/XX/XXXX and talked to XXXX said complaints were in review would take XXXX days but she would expedite to supervisor. No more bill for wife after that. I received a bill XXXX and XX/XX/XXXX. Talked to XXXX on XX/XX/XXXX she said she would check into it and call me back. ( never called back ) Received a notice from XXXX XXXX XXXX XXXX for the {$30.00} from XXXX XXXX XXXX. 

Attached is my bank statement with separate charges on XX/XX/XXXX for services at XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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: GA

Complaint narrative:
i have a XXXX a punt thats on my equifax and XXXX credit report this account is fraud and it needs to be deleted and blocked, im suing XXXX for a data breach and leaking my information on the dark web, because of this data breach this has caused a lot of issues with identity theft, i did file a ftc identity theft report about this account please take this account of my credit reports its fraud and someone is using my name

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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: Spring Oaks Capital, LLC
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX Account # XXXX XXXX reference # XXXX I have paid the balance previously averaged settlement agreement, XXXX will will not furnish original information and has accepted payment. There is still an additional balance due of {$820.00} of which XXXX is will to accept XXXX. I have disputed the information with all three credit bureaus previously, currently XXXX shows up on XXXX and XXXX not XXXX. I have mailed information to the president of the company and made multiple complaints and XXXX is still reporting my information. 

Indigo credit card Spring Oaks capital Has furnished a request to pay with penalties and interest added. I have explained on many occasions of the opening of the card and fraud during the specific. I have disputed the information before as fraud as well as disputing charges with no update.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: COLLECTION ASSOCIATES, LTD.
State: TX

Complaint narrative:
Not sure who this company is or why they are calling. They called my workplace XXXX but would not leave any information. They were told not to call, then right after called my cell phone and did not leave a message.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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:
Reporting Act USC 1681 ( i ) ( a ) ( 1 ) ( A ) Can you reinvestigate the completeness and accuracy of this accounts. 
Accounts Name Account Numbers XXXXXXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 15 USC 1681 section 602A .States i have the right to privacy 15 USC 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information.Any adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 a reasonable cause to believe the information is inaccurate. ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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 non-monetary relief
Consumer complaint received 2022-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
My XXXX  account was hacked and I was kicked out. They charged multiple gift certificates and XXXXXXXX XXXX on my XXXX, XXXX debit/credit card and work credit card. 
I have XXXX XXXX XXXX and they have found loan applications and credit card applications. Comenity Capital, XXXX XXXX, XXXX XXXX, etc.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19 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: FL

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX. XXXX + XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  Inquirv : XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Inquirv : XXXX XXXX. XXXX + XXXX XXXX XXXX XXXX XXXXnquirv : XXXX. XXXX. XXXX + XXXX XXXX XXXX XXXX Inquirv : XXXX. XXXX. XXXX + XXXX XXXX XXXX XXXX Inauiry : XXXX. XXXX XXXX + XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX - XXXX  XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/2022 I called the bank because there were two XXXX  transactions sent from my account to a previous account co signer who was supposed to be removed in XX/XX/2022. I called the bank regarding this error and to my surprise they didn't resolve my issue, stating it was a joint account. The person was supposed to be removed and no longer have access to the account. I have filed several disputes because of this person and was told they would no longer have access. I was not told by the representative at the time that at new account needed to be made in order for this person to no longer have access. The bank no longer wanted to assist me. There were two transactions total in the amount of {$300.00} and {$500.00} to XXXX XXXX. I asked to speak with a higher up regarding this matter because I was not informed and was told to walk into a branch to handle this matter. The error was on the customer service representative that I spoke with at the time. I have attached service dispute letters from previous transactions that was credited to my account due to this person using my information. And even then no one advised a new account.

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 2022-10-19 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: OK

Complaint narrative:
XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX I attempted to resolve the accuracy of my report with the companys listed above but it has not been resolved. 

in accordance withe the fair credit reporting act XXXX  account # XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. Has violated my rights. 

15 U.S.C. 1681 SECTION 602A. STATES I HAVE A RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY FURNISH 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