vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-01 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: TX

Complaint narrative:
I am appalled by the lack of responsibility on the Credit Bureaus behlaf. When will the Credit Reporting Agencies going to fix all the erroneous information on my personal credit file? For the past 5 months my requests have been overlooked. Discontinue the stall tactics and please remove the disputed account : The Account XXXX XXXX XXXX XXXX Balance Owed : {$810.00} was in fact posted as a charged-off account, be sure you let me know precisely why there is a balance showing on the document if it is a charge off? The account balance is actually wrong, make sure you turn it to XXXX  or get rid of the item fully. Please make sure you also produce documentation to verify all the charges and credits of this alleged account that led to the quite high credit number you have exhibited on my record. My demand to supply this documentation is usually a proper information inquiry in accordance with my privileges presented through the fair credit billing act. If you're unable to grant this information per my civil rights demand, you should straightaway erase this particular invalid entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 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: Pacific Credit Exchange Corporation
State: CA

Complaint narrative:
On XX/XX/XXXX PACIFIC CREDIT EXCHANGE added an updated inquiry date as if they had accessed my credit report with permission. I havent contacted Pacific Credit Exchange for the month and year of XX/XX/XXXX. 
Pacific Credit Exchange had an inquiry on my credit report from XX/XX/XXXX which was scheduled to be on my account until XXXX of XXXX. I havent authorized anyone else to use my information to contact Pacific Credit Exchange or have I myself contacted them the month and year of XX/XX/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 2022-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
In order to collect debts on behalf of a third party, such as a creditor or other user of a consumer report, a person must comply with section 615 ( g ) of the Fair Credit Reporting Act ( FCRA ). The requirements do not apply when a person is collecting its own loans. When a person is notified that any information relating to a debt that it is attempting to collect may be fraudulent or may be the result of identity theft, the person must notify the third party of this fact. In addition, if the consumer, to whom the debt purportedly relates, requests information about the transaction, the person must provide all of the information the consumer would otherwise be entitled to if the consumer wished to dispute the debt under other provisions of law applicable to them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am seeking monetary release for the terrible treatment I have received from experience. From all 3 credit reporting bureaus.I have continuously requested that I do not be just by algorithm and that my credit school will properly show three real numbers. However, experience has been holding my credit score now for a long time now when I called a question why they said it was because of algorithm, which is not fair to anyone. They have now remove things that I took them. Were not supposed to be on my account. They keep making up excuses why they cant fix the numbers and its a computer is doing it and not send however, we werent using computers at first and theres no reason why I cant hear XXXX. Judge my number is it because Im a XXXX person is known as the XXXX peoples numbers down Id like to pay for my troubles. You can get a home cars anything and I know I have no debt at all!!! Fix this please. Why do they have so much power and theres no real way to dispute them. 
I never gave Transunion, XXXX or XXXX permission to publish anything about me. They are constantly publishing false information. How do I go about suing the company for pain and suffering, for restricting my way of life.

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 2022-10-01 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: CA

Complaint narrative:
I am seeking monetary release for the terrible treatment I have received from experience. From all XXXX credit reporting bureaus.I have continuously requested that I do not be just by algorithm and that my credit school will properly show XXXX real numbers. However, experience has been holding my credit score now for a long time now when I called a question why they said it was because of algorithm, which is not fair to anyone. They have now remove things that I took them. Were not supposed to be on my account. They keep making up excuses why they cant fix the numbers and its a computer is doing it and not send however, we werent using computers at first and theres no reason why I cant hear XXXX. Judge my number is it because Im a XXXX person is known as the XXXX peoples numbers down Id like to pay for my troubles. You can get a home cars anything and I know I have no debt at all!!! Fix this please. Why do they have so much power and theres no real way to dispute them. 
I never gave XXXX, Equifax or XXXX permission to publish anything about me. They are constantly publishing false information. How do I go about suing the company for pain and suffering, for restricting my way of life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 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: GA

Complaint narrative:
This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$60.00} UXXXX XXXX XXXX Balance : {$140.00} XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXXXX/XX/2022 XXXX XXXXXX/XX/2022 XXXX XX/XX/2022

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 2022-10-01 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:
This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$60.00} XXXX XXXX XXXX Balance : {$140.00} XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXXXX/XX/2022 XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paramount GR Holdings, LLC
State: TN

Complaint narrative:
We purchased a solar system from XXXX XXXX. The funds were not supposed to be paid in full to XXXX until our system was operational. 

My system is sitting in my yard, XXXX has been paid in full, and they are now out of business. 

Goodleap has a lein on my home which I was told would not happen. 

They will not send me a copy of my contract and said I need to get it from XXXX ( who are out of business ) So I am out XXXX for a non working system and have XXXX in damages to my home that XXXX created during installation. 

Goodleap says too bad, XXXX XXXX was paid, you owe us. 

Again, XXXX should never have been paid

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX is continuing to furnish inaccurate information to the credit bureaus that they were ordered to remove last year pursuant to the settlement agreement with the attorney general 's office. my credit report currently reflects an auto loan as charged off opened XX/XX/2017 and closed XX/XX/2017 balance {$13000.00} XXXX continues to ignore their responsibility in this matter and has maintained this disputed account as accurate. they are violating both Federal and state laws. I demand accountability and action to resolve this matter as I am being harmed as a direct result of their failure to comply with the law.

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 2022-10-01 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: MO

Complaint narrative:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-10-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Hi, I tried at least 5-10 times to resolve this problem and explained everything to the XXXX XXXX XXXX XXXX at different different times. but they never helped me. The last date I tried with credit bureaus is XX/XX/XXXX, XXXX but they still not helping me. 



XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX CARD Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX 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 2022-10-01 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: MO

Complaint narrative:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$670.00} ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MO XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SLM CORPORATION
State: NC

Complaint narrative:
Dispute : XX/XX/XXXX, XXXX {$640.00} and XX/XX/XXXX, XXXX {$590.00} I am writing to request for Sallie Mae to stop reporting the balance of {$1200.00} and any associated interest charges, and late fees that Sallie Mae continues adding and reporting to the consumer agencies immediately. Sallie Mae stated that they are not able to verify my claim regarding my dog 's burn injuries and, therefore, are unable to initiate a chargeback. Sallie Mae also stated that I must provide the decision from the XXXX  XXXX XXXX XXXX to confirm my claims. Please find attached a letter of Reprimand for XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX received today. The members of the XXXX found that the veterinarian in question had violated N.C. Veterinary Practice Act and Board Rules, the Board agreed that the injuries my dog sustained are burn injuries and these injuries were caused by merchant negligence. A civil monetary penalty was also imposed. This letter will also be a public record and will be available to view on https : XXXX XXXX 
I am asking immediately to stop reporting the balance of {$1200.00} to the consumer agencies and adjust the balance accordingly. Sallie Mae was also adding interest charges and excessive late fees. Instead of a {$25.00} late fee, they started to add a {$39.00} late fee and added interest charges on 15 months with 0 % APR as per the agreement. 
Sallie Mae 's incorrect reporting caused significant damage to my credit score. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ) Sallie Mae is liable for these damages for negligent and willful noncompliance with the law by reporting incorrect balance.

Sallie Mae also started to harass me even after I emailed them cease and desist email and asked twice not to call me on the recorded line. The complaint about harassment with relevant documents will be filed separately. 
Attachments : Sallie Mae 's statement for XXXX, XXXX, and XXXX shows late fees, interest fees, and the charges for {$590.00} and {$640.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/2022 Invoice from merchant dated XX/XX/2022 for the amount of {$640.00} and invoice for XX/XX/XXXX XXXX for the amount of {$590.00} As the merchant did not provide services as agreed and Sallie Mae failed properly to investigate my dispute, I am not responsible for these charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-01 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: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
Last active dates are different ( XX/XX/XXXX XX/XX/XXXX ), charge off/collection between XXXX XXXX XX/XX/XXXX but the month of XXXX no data provided. Past due amounts on closed accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Block, Inc.
State: IL

Complaint narrative:
Someone stole my identity and opened a cash app prepaid debit card in my name. Cash app and their parent company have refused to close the fraudulent account. They keep telling me to call this number and wait for emails that never come and so on. Ive used chat Ive called Ive emailed Ive messaged on XXXX and XXXX Ive filed a police report with my local police department XXXX XXXX XXXX ILLINOIS ) and yet this account remains open. I have never used cash app and never would. This is a clear case of identity theft. Cash app and their parent company, Square, have been notified multiple ways- including in writing, and have yet to stop this fraudulent account. I get told to call someone else or wait for an email that never comes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 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: ARC Management Group, LLC
State: FL

Complaint narrative:
ARC Management Group called my cellphone number on XXXX  XXXX of XXXX to collect a XXXX XXXX XXXX debt I wasnt aware of. I spoke with them on friday about the debt and before we could agree on any type of payment arregement, they told me it was already reported to my credit which I was so confused about since I wasnt aware of this debt. 

The debt comes from XXXX  XXXX XXXX XXXX XXXX PA - XX/XX/2020 Balance : {$3200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 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: CA

Complaint narrative:
I ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, XXXX, Experian and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the accounts listed below. I believe it was reporting in error. 
XXXX XXXX XXXX XXXX : {$28000.00} XXXX XXXX Balance : {$35000.00}

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 2022-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
This firm is attempting to collect a debt and they have not given me any information as to what they are claiming I owe. This issue dates back to 2020 and they are attempting to levy my account without giving proper information and notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Section 615 ( g ) of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681m ( g ), requires debt collectors to notify third parties that a debt may be fraudulent or may be the result of identity theft. This notification requirement does not apply when the person collecting the debt is collecting its own loans. When a person is notified that any information relating to a debt that it is attempting to collect may be fraudulent or may be the result of identity theft, the person must notify the third party of this fact. In addition, if the consumer, to whom the debt purportedly relates, requests information about the transaction, the person must provide all of the information that would otherwise be required under other provisions of law applicable to them if the consumer wished to dispute such debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, XXXX, XXXX and TransUnion has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the accounts listed below. I believe it was reporting in error. 
XXXX XXXX XXXX XXXX : {$28000.00} XXXX XXXX Balance : {$35000.00}

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