vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-15 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: EQUIFAX, INC.
State: PR

Complaint narrative:
XXXX double cash ending XXXX and XXXX anywhere ending XXXX I am not satisfied with the excuses that they give me to reduce my limits on the above cards because none were at the limit or overdraft so I request an arrangement in this situation otherwise I will write wherever necessary this is an abusive, misleading, unsatisfied practice entirely from XXXX bank. this was my person an unjust act and a totally abusive practice. 

XXXX has an unfair, misleading, abusive and discriminatory conduct the level of my line on these cards were low never abuse to take them to the limit and of course that my score is low if this entity treats in an unfair way the people we pay well if MOROSITY and NEVER to the limit of credit. WHAT XXXX IS CONCERNED WITH IS TO BE PENDING ON YOUR ACCOUNTS, IN ADDITION I DID NOT REQUEST ANY INCREASE TO VERIFY MY SCORE IS NOT AUTHORIZED AND POINT. THE OTHER ACCOUNTS I HAVE HAVE NOTHING TO DO WITH XXXX AND IT WAS ALSO FOR A XXXX TREATMENT AND THESE OTHER ENTITIES THANK THAT I AM A MEMBER AND YOU WHO HAVE NOTHING TO SEE TAKE INAPPROPRIATE ACTIONS WHICH HAVE CAUSED NO DAMAGE TO US A LAPTOP FOR MY SON 'S UNIVERSITY. THEY HAVE NOT BEEN FAIR OR TRANSPARENT TO BE ABLE TO ACCESS OTHER MARKETS. IN THIS CASE, THE FEDERAL LAWS WOULD HAVE TO INVESTIGATE THIS CASE PERCE BECAUSE XXXX IS BREACHING CERTAIN REGULATIONS SUCH AS REGULATION Z, I REMIND YOU THAT I WORK IN A XXXX   AND I KNOW MY RIGHTS OF LA AZ-19 NOR EVEN TIMES ONLY NO MORATORIUM I HAVE KEPT PAYING MORE THAN THE MINIMUM ON BOTH CARDS THEY ARE NOT TREATING ME A FAIR AMANERA IN XXXX.THIS MENTIONED IN YOUR LETTER IS TRULY FALSE IF A YEAR-OLD CUSTOMER AT YOUR INSTITUTION AND HAS BEEN TWO YEAR-OLD CUSTOMER IN THE CITY CASH DOUBLE DOUBLE YEARS. IT'S NOT THAT THEY'RE LAMENT IT DOESN'T USE ANYTHING THAT EXPRESSION IS THAT THEY RESOLVE IT IN A FAIR WAY FOR BOTH PARTIES.ALTHOUGH IT SHOULD BE TRANSPARENT TO YOU, I WILL ATTACH EVIDENCE OF MY XXXX AND XXXX TREATMENT THAT YOU DO NOT EVEN USE THESE CARDS FROM YOUR BANK

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 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: National Credit Adjusters, LLC
State: TN

Complaint narrative:
This company XXXX XXXX reported this account on all my credit reports originally with XXXX XXXX XXXX opened back on XX/XX/XXXX. This account was disputed and removed from all of my credit reports sometime between the original date reported and XXXX. On XXXX, XXXX XXXX, this same account was added back to two of my credit reports under National Credit Adjusters. Based on FCRA, its unlawful for reinsertion of a previously deleted account unless i'm notified within the 5 business days which i was not. I've disputed and it was removed from my other reports this year but they didn't remove from my XXXX   report. I have continued to dispute this information but they have failed to update the other report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On XX/XX/2020 I sent letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XX/XX/XXXX data breach and may have got into the hands of the wrong person.

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 2020-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
On XX/XX/2020 I sent letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 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: NJ

Complaint narrative:
HIPAA VIOLATION I submitted a complaint of a HIPAA violation to the Credit Bureaus. The violation continues on behalf of XXXX XXXX XXXX ... ..account # 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 2020-08-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc.
State: NE

Complaint narrative:
I had a two-tiered plan with XXXX XXXX ( Comenity Bank ) for two XXXX XXXX XXXX. 
I planned to pay both loans off before their promotional dates to not incur the additional interest. 
Plan one was due in full by XX/XX/2020. 
Plan two was due in full by XX/XX/2020. 
I have previously had other loans with tiered plans before and usually they are more clear about the payment installments. In addition, with COVID crisis the statements didnt make it clear, or had small print in the warning box that a minimum payment was needed for the 2nd tier plan. 
Background : I paid all my payments over the phone with my checking account, and paid the minimum. 
XX/XX/2020 Statement paid the balance of {$1800.00} like the statement said to do, to pay off the tier 1 plan. I didnt notice in the small print that I also needed to pay the minimum payment of the 2nd plan. 
XX/XX/2020 Statement received my statement, expecting my tier 1 plan to be paid off ( with the {$1800.00} payment ) and found that it wasnt. That {$1800.00} payment was applied to both my tier 1 plan, and the minimum payment due for my tier 2 plan. 
I called about XX/XX/XXXX when I got the statement saying I was short and they then informed me that Id be getting a statement for {$1500.00} for interest because they said I was {$71.00} dollars short for my tier 1 plan. It was already too late to fulfill the obligations for the tier 1 plan when I called. They then shared that they would allow me to pay payments ( with interest ) on the interest. 
I then paid the tier 2 payment because I was so upset about how the payments were applied. 

I received the interest statement around XX/XX/XXXX for the additional {$1500.00}. I paid this and had to handle this without the help of my daughter due to COVID restrictions. I want to make sure others are aware of this so it doesnt happen to others.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Acceptance Corporation
State: CA

Complaint narrative:
On XX/XX/18 an invoice was populated in my name for the amount of {$360.00} from the Dr. office of XXXX XXXX XXXX MD of XXXX XXXX XXXX for services rendered. Not only was I unaware of this charge, but I also don't recall ever having a service done. Whenever I attended this office, I was never invoiced and told by my insurance company, during that time, all charges were covered. The debt was turned over to a company by the name of M. Leonard & Associates which appeared on my credit report before I even received a collection letter from them. 

I attempted to contact M. Leonard & Associates for verification of the debt, requesting a copy of the invoice and signed document stating I agreed to pay for these services, which this company has failed to provide and comply with. I contacted the credit bureaus regarding this bogus collector reporting misinformation on my credit report. I then attempted to contact M. Leonard & Associates again to remove said debt, in which, they refused, insisting that I owe the debt listed in the invoice provided, without providing me adequate proof requested pursuant to 15 U.S.C. 1692g of the FDCPA. 

Not only has M. Leonard & Associates failed to comply with my request, but they also insisted on saying they are not required to provide me with the verification requested. They don't have the original receipt of my debt they say I owe, they are trying to collect a different amount from the {$360.00}, tacking on interest in the amount of {$130.00}, and they are refusing to comply with my written request of verification which is outlined in detail along with the laws that back each of my demands. I refuse to pay this company as I feel they are trying to collect from consumers unlawfully and falsely reporting to the credit bureaus without adequate verification. Please make these crooks comply with the law and avoid destroying the consumer 's financial history.

Company response to consumer: Untimely response
Consumer complaint received 2020-08-15 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. 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 non-monetary relief
Consumer complaint received 2020-08-15 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: NJ

Complaint narrative:
HIPAA VIOLATION I submitted a complaint of a HIPAA violation to the Credit Bureaus. The violation continues on behalf of XXXX XXXX XXXX ... ..account # 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 2020-08-15 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Scheer, Green & Burke L.P.A.
State: NC

Complaint narrative:
Threatening to take me to court even during a pandemic in which I'm helping with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 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: LEXISNEXIS
State: TN

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E. Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX . My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX,TN XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses:XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX XX/XX/XXXX
XXXX XXXX XXXX, XXXX, TN XXXX 
XXXX XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX   TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX  
XXXX   XXXX XXXX XXXX XXXX XXXX, TN XXXX  
XXXX XXXX XXXX, XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, TN XXXXXX/XX/XXXX
XXXX   XXXX XXXX XXXX XXXX, XXXX TN XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX, TN XXXXXX/XX/XXXX Please remove the following  numbers :  (XXXX) XXXX  XXXX) XXXX (XXXX) XXXX (XXXX) XXXXXXXX (XXXX) XXXX (XXXX) XXXX
(XXXX) XXXX  (XXXX) XXXXXXXX (XXXX) XXXX  The following account is not mines:XXXX #XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 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: TX

Complaint narrative:
My credit score never goes up and I have collections that I knew nothing about. Had 2 bankruptcys that I never had. I talked to an attorney but I never filed bankruptcy.

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 2020-08-15 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX  XXXX XXXX XXXX, XXXX XXXX   and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. 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 2020-08-15 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. 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 non-monetary relief
Consumer complaint received 2020-08-15 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX   and XXXX XXXXXXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

Company response to consumer: Closed with explanation