vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have a signed agreement stating that the account would be closed and reported as paid in full. It still says I owe a balance. They are legit trying to steal from me, I have proof and previous XXXX  conversations. 


They updated it XX/XX/XXXX stating that I still owe half of the balance. I have attached their PDF to me, and I attached their statement to the XXXX. 


They are trying to extort me out of more money because I told them I am in the process of buying a house, this is predatory

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 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: PA

Complaint narrative:
There is proof that your credit reporting agency did not do a reasonable investigation. Your agency also did not investigate the challenge stated in my letter ( s ). Which means your agency is not operating in compliance despite other consumer reporting agencies deleting the account ( s ) in question.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
BJs charged an annual membership fee to a Mastercard that is under my social security number without my permission and the card was never activated. Therefore I had no knowledge of the charge. BJs charged late fees to the card and later closed the account for non payment that I did authorized which severely affected my credit score. BJs have since reversed the charges but the negative information is still affecting my credit score. Please remove the negative information from my credit report. Thank you in advance for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-14 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: LEXISNEXIS
State: VA

Complaint narrative:
Lexis Nexis is reporting unauthorized inforomation on my behalf. Under the law permissable purpose any consumer reporting agency may furnish a consumer report under the following cicumstances and no other. This company is reporting a bankruptcy. In accordance with the written instructions of the consumer to whom it relates. This is under the US code 1681b ( a ) ( 2 ) Permissible Purpose. I have not given Lexis Nexis any permission to do the following. Lexis Nexis is reporting information to XXXX and XXXX which is in direct violation to me according to the above stated law. Due the violation of this law XXXX and XXXX are also in violation of this law. Failure to have this information deleted will result in me filing a law suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: OK

Complaint narrative:
XXXX XXXX has filed a suit in court but has not contacted me about any debt I owe them, I will answer the suit but they should come with the contract. I have never entered into a contract with XXXX XXXX a debt buying company. I am asking for them to verify debt with the original contract with my signature. They have failed to verify or notify me of said debt but have proceeded to file suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 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: FL

Complaint narrative:
I have been contacting Equifax and XXXX for years about updating my payment history on the XXXX  accounts. I have sent proof numerous times from XXXX  showing I have never been late on any of the loans. Since they can not /will not update all payment history to positive as it should be, I want them to remove all XXXX  from my credit report. I am attaching my current up to date loan verification letter showing NO zero late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: PA

Complaint narrative:
TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT for AFNI INC. Reported : XX/XX/XXXX Account # XXXX. Your company has violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious Afni Inc . I have reported your company to consumerfinance.gov As a form of record and I am prepare to sue your company. Stop collection proceedings against me and remove my information from your database. SOC SEC # XXXX XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GCFS, INC.
State: CA

Complaint narrative:
A renewal of judgment was filed, after tXXXX XXXX XXXX XXXX  years and payments totaling over XXXX}, XXXX the balance owed is {$XXXX}. Yet a letter was mailed stating the outstanding cost of {XXXX}, but the total balance is {XXXX. Another letter was mailed stating it was $ XXXX. 

XXXX practices of depriving ones rights, without due process of law are their inconsistency of practices by denial of the adequate opportunity to be heard, by improper serves Denial to disclose the original contract or if it is written they are authorized to continue accruing interest of the charged-off debt. 

XXXX does not provide monthly or periodic billing statements to validate their claim so, you never know the account status. Other than as I learned when they go to sue you again after XXXX years. 

Their statement and motto as written : The life of a California judgment is XXXX years. 
It is our policy to renew our judgments every XXXX to XXXX years indefinitely. Is intimating and convoluted form of harassment. 

XXXX has taken the same practices as XXXX XXXX, by being a third-party collector. I am not sure they are able to collect on top of interest. XXXX should have been included with the XXXX XXXX lawsuit. Because they are XXXX XXXX under a different name and collections practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 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: PA

Complaint narrative:
There is proof that your credit reporting agency did not do a reasonable investigation. Your agency also did not investigate the challenge stated in my letter ( s ). Which means your agency is not operating in compliance despite other consumer reporting agencies deleting the account ( s ) in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc.
State: PA

Complaint narrative:
TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT for EOS CCA. Reported : XX/XX/XXXX Account # XXXX. Your company has violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious EOS CCAI have reported your company to consumerfinance.gov As a form of record and I am prepare to sue your company. Stop collection proceedings against me and remove my information from your database. SOC SEC # XXXX XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Credit Karma, LLC
State: CA

Complaint narrative:
I have been using the CreditKarma Spend account which also includes a debit card to make POS purchases. I feel that CreditKarma is laundering the money transferred from my bank account by withholding the money transfered for several days after my bank already paid the transfer to their systems. According to my bank, that money should show up the same day or next day in CreditKarma account. Recent example. Initiated transfer of {$25.00} to the CreditKarma Spend account on XX/XX/21. My bank paid that transfer out on XX/XX/21. As of today, XX/XX/21, CreditKarma does not reflect that money is available even though they have been paid for over 5 days. This has happened every time XXXX transfer money. It feels as though they are funneling that money through some other account ( probably collecting interest ) and waiting several days to make it available. this does not seem right in todays fast paced electronic digital world. I am submitting this so perhaps an investigation into CreditKarma 's practices can be started. I am also contacting other agencies including FCC and the FBI. Each time I contact the company regarding this issue, I get no response from their online contact submission but usually the money suddenly appears in my CreditKarma account really fast after complaining. I wonder if I didn't complain how long they would wait to transfer the money? I am sure they are doing this to tens of thousands of their customers and the amount of interest they are illegally gaining through this money laundering scheme is probably in the millions. I am also likely to contact a local news channel to do an investigative report. People need to know about this scam going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I HAVE ATTEMPTED TO RESOLVE THIS DEBT WITH CREDIT COLLECTION SERVICES ON XX/XX/XXXX. ON XX/XX/XXXX THEY STATED THAT THEY COULD NOT LOCATE THIS FILE IN THEIR SYSTEM. IF THEY CAN NOT LOCATE THE FILE HOW OR WHY IS THIS ACCOUNT REPORTING ONMY CREDIT? AS I STATED ON XX/XX/XXXX THIS ACCOUNT IS A RESULT OF IDENTITY THEFT AND IT NEEDS TO BE REMOVED FROM MY CREDIT PROFILE IMMEDIATELY. THIS COMPANY CONTINUES TO VIOLATE FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft. THIS IS MY LAST ATTEMPT TO FIX THIS ISSUES BEFORE I SUE THIS COMPANY FOR 2X OF THIS ALLEGED DEBT WHICH IS COVERED UNDER THE FCRA AS WELL AS ALL ASSOCIATED LEGAL FEES. I HAVE ATTACHED A COPY OF THIS ACCOUNT STILL REPORTING ON MY CREDIT AS WELL AS THIS COMPANY RESPONSE THAT THEY CAN NOT LOCATE THIS ACCOUNT. STOP COLLECTION PROCEEDINGS AGAINST ME AND REMOVE MY INFORMATION FROM YOUR DATABASE. SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 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: Freedom Mortgage Company
State: MS

Complaint narrative:
Freedom mortgage account was surrendered in bankruptcy Freedom mortgage pulled my credit report after bankruptcy My bankruptcy was discharge and the final account put them being paid. They show my account current on credit report but not 0 liability and also showing that I have a monthly payment I put in dispute with all credit bureaus I also informed freedom morgage I surrendered the property And did not reaffirm debt but every month they are reporting me owing XXXX more on loan now to XXXX due to fees I went into bankruptcy with a balnce of XXXX The trustee had payed loan for one year he did not pay freedom mortgage after I surrendered property but on final accounting it says he paid them over XXXX in principal. The bankruptcy is now discharcharged and the case is closed but freedom is still reporting I owe balance and payment.

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 2021-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion, Credit Reporting Company, When viewing my TransUnion Credit Profile today, Sunday, XX/XX/XXXX, under " Account Summary, '' TransUnion reports one ( 1 ) Delinquent Account. I reviewed my TransUnion Credit Profile to find one ( 1 ) Delinquent Account and zero ( 0 ) of the Accounts on my TransUnion Credit Profile show a " Delinquent '' Status.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 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: Prosper Marketplace, Inc.
State: CA

Complaint narrative:
I had a loan consolidation which required that payments be suspended during legal negotiations. This loan company was referred by the original lender and I had not missed any payments. The loan consolidation process began in XXXX of 2018, for the amount of {$8300.00}, and I have a signed document attached from XX/XX/2018, affirming the loan consolidation was authorized as agreed. After the loan consolidation was complete the late payments showed on my report so I contested them starting on XXXX of 2018 when I became aware of the late payment being reported. I confirmed with both the original lender Prosper , Inc., and the loan consolidation firm XXXX, Financial, that I should disregard the late payments being reported and it would all be taken care of once the loan settlement negotiations concluded. I was informed to sign a power of attorney agreement to facilitate this process, which I completed on XX/XX/XXXX of 2018. I have included a copy of such an agreement, as well as copies of all other emails involved with the loan consolidation process. 

I have made repeated contact with Prosper and XXXX XXXX, in each instance they affirmed that the issue would be taken care of. I also hate a letter from XXXX certifying that I have made all payments for this loan on time. Prosper 's reporting of payments as late even after the loan consolidation process completed on XX/XX/XXXX of 2018 demonstrates they were acting in bad faith and either willfully or negligently reporting information regarding payment information. There is XXXX legitimacy to any claim of late payments by me after that date, as XXXX XXXX had officially claimed ownership of that loan balance on that date as certified by the email, and all my payments to them were on time. 

I attempted to correct this with XXXX, XXXX, and XXXX, and have waited for over a couple years now, but so far no corrections have been made. Therefore, I am talking action here to get the issue corrected as it is a strong impediment to my financial opportunities.

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 2021-11-14 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: VA

Complaint narrative:
XXXX XXXX is reporting unauthorized inforomation on my behalf. Under the law permissable purpose any consumer reporting agency may furnish a consumer report under the following cicumstances and no other. This company is reporting a bankruptcy. In accordance with the written instructions of the consumer to whom it relates. This is under the US code 1681b ( a ) ( 2 ) Permissible Purpose. I have not given XXXX XXXX any permission to do the following. XXXX XXXX is reporting information to Equifax and XXXX which is in direct violation to me according to the above stated law. Due the violation of this law Equifax and XXXX are also in violation of this law. Failure to have this information deleted will result in me filing a law suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 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: VA

Complaint narrative:
XXXX XXXX is reporting unauthorized inforomation on my behalf. Under the law permissable purpose any consumer reporting agency may furnish a consumer report under the following cicumstances and no other. This company is reporting a bankruptcy. In accordance with the written instructions of the consumer to whom it relates. This is under the US code 1681b ( a ) ( 2 ) Permissible Purpose. I have not given XXXX XXXX any permission to do the following. XXXX XXXX is reporting information to XXXX and Experian which is in direct violation to me according to the above stated law. Due the violation of this law XXXX and Experian are also in violation of this law. Failure to have this information deleted will result in me filing a law suit.

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 2021-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Old incorrect Information on XXXX XXXX credit card still appears that affects my credit, I paid it off and closed it and its still appears as a negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Accurate Background
State: WA

Complaint narrative:
For a pre employment background check the company Accurate, ran a background check on XX/XX/2021. On the XXXX it was completed and sent to the employer I believe. The background report stated there was an active warrent. The XXXX was XXXX XXXX  so I was unable to verify it this was indeed true. On the XXXX I was able to go to the municipal court and validate this information. There is NOT a current warrent a new courtdate was reappointed for the case. I have documentation of that

Company response to consumer: Closed with non-monetary relief