vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Selip & Stylianou, LLP
State: NY

Complaint narrative:
On XX/XX/XXXX, I received summons & complaint by USPS which was filed by either XXXX XXXX XXXX XXXX or collection agency on XX/XX/XXXX. I was never notified by correspondence about this debt from XXXX credit services or collection agency about this debt and no consideration was given since only source of income is SSDI.. From reviewing information on XXXX XXXX XXXX XXXX  was able to mail ( XXXX ) letter to the collection agency on XX/XX/XXXX through an automated website for sending documents on this matter. Then received short response letter ( XXXX from collection agency ( XX/XX/XXXX ) with few statements and credit credit agreement. I had to give my answer in XXXX XXXX court with Clerk on XXXX XXXX. Thereafter, received series mailing packets production of documents and summary judgment. In their XXXX  XXXX, according to their timeline ... claim to have sent written notice on XX/XX/XXXX ( their copy ) to my address without copy of certified mail receipt or return requested receipt and no proof/evidence about the statute of limitations on this debt. 
In any event, after reviewing their documentation realized and did not know that I can be sued without written notice and inform reporting agencies on XX/XX/XXXX that debt is not disputed but in derogatory no notation on who/whom.. In addition to this not informed about my rights under FDCPA by collection agency in any of their letters which are my counterclaims

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC.
State: AR

Complaint narrative:
There was {$22000.00} debited from my bank account from Ally, who I have car financed through. I called Ally to dispute this charge and they said it was scheduled on XX/XX/23 for the amount of {$22000.00}. I told them I did NOT authorize this. They told me that I needed to contact my bank and change my password on my Ally app.

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 2023-05-16 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

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 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is reporting multiple companies I do not own accounts with and never have. I have sent multiple disputes and ask them to show proof and owner ship of the accounts. They never did anything I asked of them to do. I sent them numerous disputes. 

These reports are all incorrect and inaccurate. None of it make sense. 



XXXX XXXX POTENTIALLY NEGATIVE Balance {$320.00} Balance updated XXXX XXXX, XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$7300.00} Balance updated XX/XX/XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$720.00} Balance updated XXXX XXXX, XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$87.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX 
POTENTIALLY NEGATIVE Balance {$0.00} Balance updated XX/XX/XXXX US DEPARTMENT OF XXXX POTENTIALLY NEGATIVE Balance {$0.00} Balance updated XX/XX/XXXX XXXX DEPARTMENT OF EDU POTENTIALLY NEGATIVE Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX Original creditor XXXX XXXX Balance {$3300.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX  LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX 2019

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 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: NC

Complaint narrative:
I write this complaint to you today with a heart heavy with disappointment, as I find myself entangled in a web of outdated and fraudulent information in my credit report. The credit bureaus ( XXXX, Equifax, and XXXX ), entrusted with the responsibility of safeguarding the integrity of financial data, have failed in their duty, leaving me to suffer the consequences of their negligence. Despite my repeated requests for the removal of this misinformation, the credit bureaus have turned a blind eye to my pleas. They have ignored my rightful demands for accuracy, allowing erroneous data to persist on my credit report, casting doubt on my financial standing and impeding my access to fair opportunities. This outdated and fraudulent information has far-reaching consequences. It tarnishes my reputation, hindering my ability to secure loans, obtain favorable interest rates, or even pursue certain employment opportunities. The credit bureaus ' indifference to my plight demonstrates a disregard for the well-being of hardworking individuals like me. I implore you to rectify this grave injustice promptly. Remove the outdated and fraudulent entries from my credit report, restoring the accuracy and integrity that should be the hallmark of your institution. Failure to address this matter will only further erode the trust and confidence that the public places in your services. Let it be known that I will not rest until justice is served until the credit bureaus are held accountable for their transgressions. My voice shall not falter, for I stand united with countless others who have suffered at the hands of their negligence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 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: NC

Complaint narrative:
I write this complaint to you today with a heart heavy with disappointment, as I find myself entangled in a web of outdated and fraudulent information in my credit report. The credit bureaus ( Experian, XXXX, and XXXX ), entrusted with the responsibility of safeguarding the integrity of financial data, have failed in their duty, leaving me to suffer the consequences of their negligence. Despite my repeated requests for the removal of this misinformation, the credit bureaus have turned a blind eye to my pleas. They have ignored my rightful demands for accuracy, allowing erroneous data to persist on my credit report, casting doubt on my financial standing and impeding my access to fair opportunities. This outdated and fraudulent information has far-reaching consequences. It tarnishes my reputation, hindering my ability to secure loans, obtain favorable interest rates, or even pursue certain employment opportunities. The credit bureaus ' indifference to my plight demonstrates a disregard for the well-being of hardworking individuals like me. I implore you to rectify this grave injustice promptly. Remove the outdated and fraudulent entries from my credit report, restoring the accuracy and integrity that should be the hallmark of your institution. Failure to address this matter will only further erode the trust and confidence that the public places in your services. Let it be known that I will not rest until justice is served until the credit bureaus are held accountable for their transgressions. My voice shall not falter, for I stand united with countless others who have suffered at the hands of their negligence.

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 2023-05-16 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

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 2023-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
Was told account was going to be deleted it was paid

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: NJ

Complaint narrative:
I am being harassed by this company and I do not owe any debt regarding their claims. I am being harassed and tortured nonstop by mails and calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX security systems sent an overdue Bill to trans union collections. This obviously ruined my otherwise spotless credit report. The bill from XXXX actually belonged to wife per our divorce decree which I tried to explain to XXXX several times. All they did to fix it as I was promised was to suspend the account and then finally, without my knowledge, sent it to Transunion collection. This ended up happening m my otherwise spotless credit report dropping my score from the XXXX to XXXX, taking me completely out of the game to borrow any money, etc. Although the bill wasnt mine, I paid it and now they wont take it off my credit report- help!

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 2023-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I applied AMEX Hilton business credit card with welcome bonus ( Earn XXXX Hilton Honors Bonus Points + a Free Night Reward after you spend {$4000.00} on eligible purchases with your Card in the first 3 months. ) on XX/XX/2022. I used the referral link for the promotion and got approval without any pop-up window or alert. I spend more than $ XXXX before XXXX and didn't receive the points as they mentioned which worth {$1000.00}. They said I am not eligible for the promotion but didn't let me when I applied it. I read the policy and didn't see any reason for me not eligible. This is the first time I applied for AMEX Hilton business credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Central Portfolio Control Inc.
State: CA

Complaint narrative:
CENTRAL PORTFOLIO CONTRO On XXXX XXXX has opened a collection that Im not aware of until this day. XXXX XXXX XXXX XXXX is Original creditor, I dont know who they are. I have never received validation letter and was never notified of this debt not by email nor by letter to my residential address not by original creditor not by collection agency. When I tried to contact CENTRAL PORTFOLIO CONTRO they didnt provide any information to me and moreover, they discriminating me! I need help to stop this, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Atlanticus Services Corporation
State: OH

Complaint narrative:
Reported charges as fraudulent to credit card company they argued with me for months I finally reported them to consumer financial protection bureau they responded and removed the charges as fraudulent. But are refusing to reinstate my credit card. This card should have never been closed to begin with. If they would have listen to me in the first place this would not have happened. I always paid on time and was never late when the account was open till the refused to remove the fraud charges. Then I stopped paying. They have now removed those charges as fraud and need to send me a new card and reinstate this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: NY

Complaint narrative:
There is a fraud in my account. All the bellow inquiries were not authorized by me. 
Please dispute. 
Thank you, XXXX 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 2023-05-16 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:
One of my real estate lenders reported me 120 days late for several months last year. The credit reporting agencies dropped my score XXXX to XXXX points. The reporting was deleted and or corrected and Experian did not adjust my credit score back upwards. I asked them why, and they would not answer or respond. They just blew me off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: TX

Complaint narrative:
This is the second complaint I am filing as they closed the first without answering and disregarding everything I said. Below is the original complaint. 

XXXX XXXX is incorrectly reporting my account with them as not paid and put a full balance back on there. When it was originally reported as 100 % paid a couple weeks ago onto my credit report prior. causing my score to rise exponentially. The account was paid off and I have correspondence and letters from the company saying that I completely paid the full balance. Even received a check in the mail a few days later for a refund of the money I overpaid on the full balance. Subsequently it was stated on my credit report as 100 % paid as well as my cosigners. Almost a month go by, and they tried to say that all that was false and that I still owed the complete balance. That is fraud. As I went through all the correct and proper channels to pay. Sent them a letter REGISTERED MAIL notarized XXXX and sworn by me, asking why they say I still owe and explaining if that's the case how did I get a check in the mail or why it was listed as 100 % paid off. They never responded and kept harassing me with phone calls, letters, texts and emails. I just wanted them to prove what they claimed, and they did not and refused to respond. I will attach the certified mail I sent to the company in the attachments along with other documentation. 

Their response was that the was not processed and rejected and it takes 3-5 days to reflect. It reflected after 4 and that's when all the information saying I paid the loan completely off because payment went through. They refuse explain why my account was closed if it was allegedly rejected in the system and the subsequently reopened months later. This is fraud. I sent notice of error and affidavit via certified mail. Which they ignored. And never even after the written instructions to. Just blatantly disregarded my certified mail which they received which had to be signed for. They have not proven once that the money was returned. Because it was not returned to me. This is my word versus their word at this point and they are trying to silence me and get away with fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 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: TX

Complaint narrative:
This is the second complaint I am filing as they closed the first without answering and disregarding everything I said. Below is the original complaint. 

XXXX XXXX is incorrectly reporting my account with them as not paid and put a full balance back on there. When it was originally reported as 100 % paid a couple weeks ago onto my credit report prior. causing my score to rise exponentially. The account was paid off and I have correspondence and letters from the company saying that I completely paid the full balance. Even received a check in the mail a few days later for a refund of the money I overpaid on the full balance. Subsequently it was stated on my credit report as 100 % paid as well as my cosigners. Almost a month go by, and they tried to say that all that was false and that I still owed the complete balance. That is fraud. As I went through all the correct and proper channels to pay. Sent them a letter REGISTERED MAIL notarized XXXX and sworn by me, asking why they say I still owe and explaining if that's the case how did I get a check in the mail or why it was listed as 100 % paid off. They never responded and kept harassing me with phone calls, letters, texts and emails. I just wanted them to prove what they claimed, and they did not and refused to respond. I will attach the certified mail I sent to the company in the attachments along with other documentation.

Their response was that the was not processed and rejected and it takes 3-5 days to reflect. It reflected after 4 and that's when all the information saying I paid the loan completely off because payment went through. They refuse explain why my account was closed if it was allegedly rejected in the system and the subsequently reopened months later. This is fraud. I sent notice of error and affidavit via certified mail. Which they ignored. And never even after the written instructions to. Just blatantly disregarded my certified mail which they received which had to be signed for. They have not proven once that the money was returned. Because it was not returned to me. This is my word versus their word at this point and they are trying to silence me and get away with fraud.

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 2023-05-16 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: TX

Complaint narrative:
In accordance with The Fair Credit Reporting Act, XXXX Account # XXXX, XXXX Account # XXXX XXXX XXXX XXXX ( {$13000.00} ) ( {$950.00} ), has violated my rights. 

15 U.S.C. 1681 section 602 ( a ) : states I have to privacy.

15 U.S.C. 1681 section 604 ( a ) 2 : states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act, you have violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written Instructions.

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 purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act

Company response to consumer: Closed with explanation