vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-02 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:
My loans have been discharged due to total and permanent disability status. I have inqured and requested when these will be removed from my credit report as it has been over 7 years and I am still getting the run around about it. As I am not able to obtain employment due to this and I don't qualify for federal or state government disability benefits. XXXX the reporting agency has also threatened to keep it on my report for an additional 10 years even though my account is closed and in good standing. I been back and forth with the creditor and dept of education nelnet and the reporting agency XXXX and have not came to an amicable resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 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: CA

Complaint narrative:
My loans have been discharged due to total and permanent disability status. I have inqured and requested when these will be removed from my credit report as it has been over 7 years and I am still getting the run around about it. As I am not able to obtain employment due to this and I don't qualify for federal or state government disability benefits. Equifax the reporting agency has also threatened to keep it on my report for an additional 10 years even though my account is closed and in good standing. I been back and forth with the creditor and dept of education XXXX and the reporting agency Equifax and have not came to an amicable resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 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: Self Financial Inc.
State: AL

Complaint narrative:
15 U.S.C 1666b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Central Portfolio Control Inc.
State: NY

Complaint narrative:
Im not liable with this debt with central portfolio cont. I do not have any contracts with them and had asked them to send me the original application like I asked and they did not send any. There are 2 accounts on my credit reports from them in the amounts of {$5600.00} and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
EQUIFAX has my file split. Still. This is a pervasive, existing problem for many. Their IT Department can usually fix it, but their csr don't seem to know how to get the issues to them. This is causing me credit problems and mortgage delays.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 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: SANTANDER HOLDINGS USA, INC.
State: AL

Complaint narrative:
15 U.S.C 1666b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 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: Kikoff Inc.
State: AL

Complaint narrative:
15 U.S.C 1666b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 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: NJ

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 USC 1681. 

Account name : XXXX XXXX XXXX  XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX  XXXX, Account name : XXXXXXXX XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX  XXXX has violated my rights.

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

15 U.S.C 1681 Section 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 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 2023-04-02 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: NJ

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 USC 1681. 

Account name : XXXXXXXX  XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX XXXXXXXX # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 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 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 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 2023-04-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Running my credit with out permission

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 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: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
Running my credit with out permission

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 2023-04-02 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: Amsher Collection Services, Inc.
State: NY

Complaint narrative:
I am aware that according to article 9, the assignment of a defaulted Alleged debt is illegal. Both the assignee and the assigned are both liable for violations under 15 USC 1692 ( e ) ( 12 ). I am not validating any alleged debt with Amsher Collection services and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XXXX XX/XX/2023, I have not received any documentary evidence such as a trilateral contract giving Amsher Collection services any right to collect on this alleged debt. I have never received any documentation requesting validation from Amsher Collection services. If Amsher Collection services can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing this on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this alleged debt pursuant to 15 USC 1692 ( c ) ( c ). I am demanding a cease and desist of all illegal activities, any communication and collection activities of this and any alleged debt until Amsher Collection services can provide me with sufficient documentary evidence that I have any legal obligation to pay them. This consumer expects that this collection will be removed from the consumer credit report for all XXXX credit reporting agencies. If this documentary evidence can not be produced and Amsher Collection services continues its collection efforts ( which includes negative credit reporting ), I will file for litigation for actual damages caused and Amsher Collection services will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028a, extortion, theft by deception, securities fraud and mail fraud. Upon receipt of the documents herein this notice, you are hereby notified pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: American Credit Acceptance, LLC
State: OH

Complaint narrative:
Pulling credit with out permission 15 usc cod 1681c compliance procedures

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Gatestone & Co. International Inc.
State: AZ

Complaint narrative:
XXXX XXXX came to my home to take xrays after I was hit by a car. The nurse said she didnt feel like she could do it and called the ambulance services which I didnt authorize her to do. They assured me they would take me to the hospital for xrays and bring me back home because I dont have any family or friends or anyone who could bring me back home. Instead, when I arrived at the hospital I was dropped off and left in the emergency room for over 8 hours! I had to find my own way home. That was not the promise I was given by XXXX XXXX and both of the ambulance drivers that day. I know she felt bad leaving me in the emergency room like that knowing I couldnt even walk to the bathroom for over 8 hours but I experienced extreme pain and anxiety that day which I explained to their office on a number of times. They did not sense the urgency of what I went through or appear to care. I explained that I am a XXXX senior citizen and I cant walk. I depend solely on my scooter to get around. Without my scooter that day in the waiting room, I was begging other patients in the room to ask for help up front to take me to the bathroom. They just ignored me. When someone got close to me I would ask and she would snap at me and tell me to stop bothering her! I ended up embarrassing myself, I was mortified! My experience only escalated from worse at that point. I told their representatives everything but they didnt care about what I went through. I shouldnt have been dropped off. Because of what I went through after I was dropped off instead of them waiting to take me back home like they promised, I dont owe them anything. 

Thank you

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 2023-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I try to apply for a credit card with capital one they keep showing a message stating that they can't approve me. The last time I knew they sold a debt that has nothing to do with them anymore. If I am denied I will file a suit in small claims court for discrimination. 
In addition, XXXX XXXX waived the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 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: Exeter Finance, LLC.
State: OH

Complaint narrative:
Running my credit with out permission

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
To Whom It May Concern : I am writing to file a complaint against [ these companies ] for violating my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692g ( b ). I believe that this creditor or collection agency has engaged in unfair and deceptive practices in their attempts to collect a debt that I dispute.

As per 15 USC 1692g ( b ), I have the right to dispute any and all alleged debts and request validation of the same. I have done so in writing to this creditor or collection agency, but they have failed to provide me with any validation of the alleged debt. Despite my repeated requests for validation, they have continued to contact me and demand payment. also FCRA 611 ( a ) ( 1 ) ( b ).

Moreover, I have checked my credit report and found that the information provided by this creditor or collection agency does not match with the information provided by other credit bureaus. This has caused significant damage to my credit score and has made it difficult for me to obtain credit in the future.

I am hereby requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against this creditor or collection agency for their violations of the FDCPA. I am also requesting that the CFPB ensure that my credit report accurately reflects my credit history and that any negative information provided by this creditor or collection agency be removed.

Thank you for your attention to this matter. I look forward to hearing from you soon.

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 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:
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 USC 1681 XXXX XXXX acct # XXXX and Child Support XXXX, has violated my rights. 15 USC 1681 section 604 A Section 2 also states consumer reporting agencies can not furnish a account without my written instructions. 15 USC 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 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 related to a 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 2023-04-02 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: CT

Complaint narrative:
I am writing to dispute certain inaccurate information on my credit report provided by Experian. On XX/XX/XXXXXXXX I contacted Experian regarding the following discrepancies but to date, I have not received a response from them. Please consider the following : I dispute the account listed as XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXXXXXX  Balance : {$1400.00} ) because the original creditor is XXXX XXXX XXXX and not the one you have indicated. The balance of {$1400.00} is inaccurate and higher than the amount I believe I owe. I request that you verify the following dates : Date Opened and Date of First Delinquency. 
I dispute the account listed as XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$570.00} ) because the original creditor is XXXXXXXX XXXX XXXX and not XXXX XXXX. The balance of {$570.00} is higher than the amount I owe, and I do not recognize this amount. I request that you verify the following dates : Date Opened and Date of First Delinquency. 
I dispute the account listed as XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$270.00} ) because I have never had a contract with them. The original creditor was XXXX XXXX. The balance of {$270.00} is higher than the amount I remember. I request that you verify the following dates : Date Opened, Date of First Delinquency, Date of Status, and First Reported. 
XXXX XXXX XXXX account ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$520.00} ) was never late. Please update this inaccurate information on my credit report. 
XXXX XXXX XXXX account ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit  : {$320.00} ) was never late. Please update this inaccurate information on my credit report. 
The following account is not mine XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$11000.00} ). Please remove it from my credit 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 2023-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
Somebody took a credit card out in my name ( Barclays ). I did not sign up for this card. I put a freeze on it but I can not cancel the card.

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 2023-04-02 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: CT

Complaint narrative:
On XX/XX/XXXX, I contacted Equifax regarding the following inaccurate information on my credit report. As of today, I have not received any response from them. Therefore, I am filing this dispute with the Consumer Financial Protection Bureau ( CFPB ). 
I found inaccurate information on my credit report for the XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$120.00} ) account. While I am aware of the original creditor, XXXX XXXX, I have no knowledge of the collection agency that has been reported, as I have no contract with them. Furthermore, the reported balance of {$120.00} is inaccurate, as I believe it should be a lower amount. Additionally, the reported balance is higher than the high balance on the same account, which clearly demonstrates the inaccuracy of your reporting. In light of these inaccuracies, I dispute the entire account and request that the following dates be verified : Date Opened and Date of First Delinquency. 
The information presented on XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$270.00} ) account is unknown to me, as I have only contracted with the original creditor, XXXX XXXX. The balance of {$270.00} is also higher than what I remember. This information is inaccurate, and I dispute the entire account. I request that the following dates be verified : Date Opened, Date of First Delinquency, Date of Status and First Reported. 
I am also disputing the following accounts : XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$520.00} ) : This account was never late, and I request that you correct/update this inaccurate information on my credit report. 
XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$320.00} ) : This account was never late, and I request that you correct/update this inaccurate information on my credit report. 
XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$11000.00} ) : This account is not mine, and I request that you remove it from my credit report.

Company response to consumer: Closed with explanation