vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-03 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 was notified that I was a part of the XXXX Equifax data breach. I was promised free credit restoration services for 7 years, and I have not been able to receive the service. 
2 ) Items I don't recognize on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
My card was lost I reported it but Comenity bank refuse to investigate and keep charging me every month {$41.00} in late fees and {$12.00} interest. Thank

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
The reporting of inaccurate and outdated information. This is causing damage to my reputation, my character, and mode of living. I have tried several times to have these mistakes completed. Also, not to mention the data breaches as well of these reporting agencies who is not keeping their promises. This is very time consuming, and they have had several times to fix the errors and mistakes, but they choose not to.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: CA

Complaint narrative:
I have consistently made timely payments without any instances of being late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
The debt agency Professional Debt Mediation , Inc is being unprofessional and using language or terminology that I find offensive especially coming from a professional. The reason for the sarcastic behavior is because of me attempting to utilize the law to dispute a debt. A debt that was utilized to hinder my future and any other chance of receiving funding for my business or any other essential expenses in life. 

I have given nothing but respect.. I can not allow someone to misinterpret my character in a manner that it clearly needs addressing. 

Professional Debt Mediation , Inc Has refused to negotiate the debt and not destroy my credit report.. by law the debt falls off in 2 years roughly.. I am offering the initiative to payoff the debt in exchange of the debt collection agency removing the account and allowing me to seek funding from banks or lenders to assist with debt consolidation.. 

Consumers have the right to sue and seek damages from credit bureaus, users of consumer reports, and information furnishers that act in violation of the FCRA. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

Professional Debt Mediation , Inc Has caused significant damage to the patent that I have. The credit report has remarks that lenders and banks are not lending until my credit report improves.. 

Instead of receiving the debt paid back with interest.. for example if the debt agency will agree to recycle the debt and turn it into a positive remark on the credit report that I can start paying on similar to a loan.. therefore it will reflect a positive credit score with every payment.. this will allow banks and lenders to see a positive impact on the credit score. Instead the company chose to frustrate me with their choice of words. 

Im asking for assistance because I did not give this company consent to furnish my credit report in the first place. 

I demand that the credit report company accept the offer that both parties can agree to instead of attempting to destroy my credit report and preventing me from utilizing my credit to fund a business or to help with essential expenses in life. 

Or I will be forced to sue for abuse based on the unprofessional conduct. 

I attached copies of my evidence..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-08-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
I went to a XXXX timeshare meeting that was supposed to last two hours but I was there for XXXX XXXX. My fianc and I were very adamant about not wanting a credit card and not wanting to purchase a timeshare due the cost but everyone there was so persistent. We refused to give our social at first and questioned why it was needed and we were told that it was to get the best deal. After turning the sales rep down, we were pushed off to another person to try and get us to buy and again we expressed that it was not in our budget and we did not want to apply for anything. We left that meeting thinking that we declined everything. I later received a letter that a credit card was opened in my name with a card limit of {$4200.00}. A physical card was never sent. It dropped my credit XXXX points for opening an account that I never requested to be open in the firs place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03 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: GA

Complaint narrative:
I am writing in response to your notice about an alleged debt. ( XXXX XXXX & XXXX ). Before I can confirm or dispute this debt, I am formally requesting additional documentation under the Fair Debt Collection Practices Act. 
Please provide the following within 30 days : A copy of the original signed purchase agreement, contract, or other documents showing that I entered into this debt voluntarily and that you are the legal owner of this debt. 
A full accounting of the debt, including the original creditor, the amount owed, interest rate, fees, payment history, and the date you acquired this debt. 
Your license and credentials to collect debts in GEORGIA. 
Written notice of my rights to dispute the validity of this debt within 30 days under the FDCPA. 
I expect this requested information to be provided in full before I can respond further on this alleged debt. Please send physical copies of all documents to my address below. I look forward to your response within 30 days as required by law. 
Thank you for your cooperation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03 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: GA

Complaint narrative:
I am writing in response to your notice about an alleged debt. ( XXXX XXXX & XXXX ). Before I can confirm or dispute this debt, I am formally requesting additional documentation under the Fair Debt Collection Practices Act. 
Please provide the following within 30 days : A copy of the original signed purchase agreement, contract, or other documents showing that I entered into this debt voluntarily and that you are the legal owner of this debt. 
A full accounting of the debt, including the original creditor, the amount owed, interest rate, fees, payment history, and the date you acquired this debt. 
Your license and credentials to collect debts in GEORGIA. 
Written notice of my rights to dispute the validity of this debt within 30 days under the FDCPA. 
I expect this requested information to be provided in full before I can respond further on this alleged debt. Please send physical copies of all documents to my address below. I look forward to your response within 30 days as required by law. 
Thank you for your cooperation.

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 2023-08-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
Investigation Request Letter To Whom It May Concern : I reviewed my Consumer Reports and noticed that there was inaccurate information on my credit report XXXX Acct. # XXXX XXXX XXXX Acct. # XXXX and XXXX XXXX XXXX XXXX in XXXX XXXX # XXXX. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I contacted XXXX and asked for them to investigate & remove the inaccurate 30 day late payment from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature that they have not been able to provide such proof to me. This is a violation of the Fair Credit Reporting Act and this disputed item may not appear on my credit report if it can not be supported by any evidence or proof. In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602A States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also state 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 non-monetary relief
Consumer complaint received 2023-08-03 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: IA

Complaint narrative:
Investigation Request Letter To Whom It May Concern : I reviewed my Consumer Reports and noticed that there was inaccurate information on my credit report XXXX Acct. # XXXX XXXX XXXX Acct. # XXXX and XXXX XXXX XXXX XXXX in XXXX XXXX # XXXX. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I contacted XXXX and asked for them to investigate & remove the inaccurate 30 day late payment from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature that they have not been able to provide such proof to me. This is a violation of the Fair Credit Reporting Act and this disputed item may not appear on my credit report if it can not be supported by any evidence or proof. In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602A States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also state a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03 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: IA

Complaint narrative:
Investigation Request Letter To Whom It May Concern : I reviewed my Consumer Reports and noticed that there was inaccurate information on my credit report XXXX Acct. # XXXX XXXX XXXX Acct. # XXXX and XXXX XXXX XXXX XXXX in XXXX XXXX # XXXX. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I contacted Experian and asked for them to investigate & remove the inaccurate 30 day late payment from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature that they have not been able to provide such proof to me. This is a violation of the Fair Credit Reporting Act and this disputed item may not appear on my credit report if it can not be supported by any evidence or proof. In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602A States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also state 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 2023-08-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I had someone still my DL, and SS since then they have fraudulent put things in my name. I provided the name of the person who did it on my FTC report. I also have a police report on the theft of my information. I tried to dispute with credit bureaus but they have not taken action

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Original contact date : XX/XX/XXXX. Contacted Capital One regarding check paid to medical office. Proof payment needed ( copy of my paid check ). Claim number XXXX. Told it would be emailed to me in 3-5 days. Didn't happen. Called again a few days later. Told it would be mailed to me in 5-7 days. I was patient. XX/XX/XXXX : called again. Spoke to " XXXX '' a Supervisor. Said it would be emailed to me in 3-5 days. I requested escalation as now I'm in collections with my doctor 's office regarding this payment. Said nothing they could do -- had to wait on the " back office '' to respond. Said it would be emailed to me in 3-5 days. XX/XX/XXXX : called again -spoke to XXXX ( manager ) and then XXXX ( Supervisor. Gave me a new number to call : XXXX. Said they would escalate with the back-office and to call back if I dou n't get it by XXXX. Provided a new email address ( my work email ). XXXX called again. Spoke to XXXX  ( supervisor ). After almost an hour on the phone going in circles she said I need to call back before XXXX as the back office closes at XXXX ( it was now XXXX ). XXXX called again. Didn't get the name of the supervisor. She said that they have emailed it to me 3 times and that they will mail the proof of payment to my home address. All this for a check of {$36.00}!! I can afford to pay my doctor twice ... by why should I have to? Capital One is able to take my money in .002 seconds when I'm paying for something, but after SIX WEEKS I can't get a copy of a paid check? I've been in the tech industry for 30 years. I've had email since email was created. I know how to check my inbox, spam, junk, search by vendor. I don't believe for one second they have bothered to assist with this request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03 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: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I havent provided evidence in accordance with the doctrine, so you may assume, under the doctrine of estoppel by silence, that there is no proof of the purported debt and, as a result, no such liability, if the debt collector has not provided the requested proof of the alleged debt within 30 days. 
In a good faith effort to resolve the matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action, and correct any erroneous reports of this debt as mine. 

For the record, I state again : As I have no account with you, nor am I your customer, nor have I ever entered a contract with you, I must ask you to provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I havent provided evidence in accordance with the doctrine, so you may assume, under the doctrine of estoppel by silence, that there is no proof of the purported debt and, as a result, no such liability, if the debt collector has not provided the requested proof of the alleged debt within 30 days. 
In a good faith effort to resolve the matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action, and correct any erroneous reports of this debt as mine. 

For the record, I state again : As I have no account with you, nor am I your customer, nor have I ever entered a contract with you, I must ask you to provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 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: NY

Complaint narrative:
my information was part of several data brech 's from XXXX XXXX XXXX in the year of XXXX XXXX XXXX also my information appeared in XXXX 's data brech in XXXX. 
and XXXX on XX/XX/XXXX, XXXX my social security number was exposed my information also appears on the dark web my person information, social security number and addresses via XXXX credit monitoring services copies attached due to t these brech 's money was aslo stolen from my bank account in the year of XXXX i filed an identity theft report with XXXX transunion and XXXX this information hasn't been removed or resolved this my second attempt at removing this information with no resolution

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03 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: TX

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts. 
See the documents attached.

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