vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-08 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: IL

Complaint narrative:
I have attempted to review my credit on a monthly, if not on a weekly basis. On XX/XX/2022, I reviewed my credit report and saw that my date of birth, address, and my name was yet again misrepresented. Called the agency to correct this issue over the phone and was put on hold with no solution or feedback. 

As of XX/XX/2022, a letter containing a copy of my SSN and certificate of birth was sent by mail. This is now the 4th attempt to have this credit agency verify information with copies of my source documents. 

I have contacted Equifax for the last 7 years about this same issue. It is dishonoring to me and other people who have to go through this process. Please contact this bureau and investigate their process of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Reference # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States 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 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 2022-04-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I was hospitalized for over 60 days from XX/XX/XXXX thru XX/XX/XXXX XXXX XXXX XXXX XXXX then hospitalized again in XX/XX/XXXX for 13 days with XXXX XXXXXXXX XXXX and XXXX XXXXXXXX XXXX. I have been in rehabilitation care from XXXX XXXXXXXX to now and have tried to contact Home Depot Credit card service Citi bank about my health but I am being told there isnt anything that they can do to help with all the late fees because I have had a late fee waved in the past 12 months prior to this XXXX XXXX XXXX 

I missed the XXXX and XX/XX/XXXX payments and was charged lates fees. I tried to get late fees removed stating my circumstance detailed above. I then made 2 payments in XX/XX/XXXX, was told I was caught up but the late fees again would not be removed. I get harassing phone calls and was offered to sign up for hardship program where my account would be closed, late fees would be moved to the end which means I would have to pay them and I would be setup with a low payment and number of payments to pay it off. Minimum payment was {$29.00}. 
I do not wish to close my account and have all this negatively impact my credit and I am still XXXX XXXX  and in XXXX XXXX XXXX need help getting this resolved

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Account Shows Late/Charge off. This account was never late. 

15 u.s.c 1681 section 602 A. States i have the right to privacy. 

15 u.s.c 1681 section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions. 

15 u.s.c 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer in connection with the collection of any debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CNG HOLDINGS INC
State: KY

Complaint narrative:
I sent a letter of convergent asking for : 1. Validation of the debt-that is, the actual accounting. 

2. Verification of a signed invoice. 

3. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered. 


However, according to 15 USC 1692 ( E ), 15 USC 1692 ( D ), AND 15 USC 1692 ( B ) Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication of a debt. 


A loan agreement is a contract and so there has to be full disclosure of all the details ( which there wasnt, both sides have to put up something of equal worth ( which didnt happen ), the contract has to be signed is wet ink by both parties. 

Contract : a written or spoken agreement, especially one concerning employment, sales, or tenancy, that is intended to be enforceable by law. 
" both parties must sign employment contracts '' A statement is not an Invoice so would you please provide a signed Invoice as requested. 

A loan application does not constitute a Contract as it only signed by one party and I asked for a copy signed by both. 

Once again, I am demanding the requested documents to be sent to me within the next 14 to 28 days and if this does not happen than I will consider the debt to be fully discharged and for my property returned to me. 

Kind regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: Conn's, Inc.
State: TX

Complaint narrative:
FRCA Violation credit card XXXX XXXX FRCA Violation loans CONN APPLIANCES INC XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRCA Address and names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Global Lending Services LLC
State: KY

Complaint narrative:
XXXX XXXX XXXX SUITE XXXX XXXX, GA XXXX WITHOUT PREJUDICE To whom this may concern, Your company said I allegedly owe you money. I agree to pay any financial obligation which I might lawfully owe, ON THE CONDITION THAT YOU PROVIDE : 1. Validation of the debt-that is, the actual accounting. 
2. Verification of the claim against me ; that is, a signed Invoice. 
A copy of the Contract binding both parties ( me and them ), in a letter by certified mail so that GLOBAL LENDING SERVICES 3. there is an independent witness to it having been delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: MRS BPO, LLC
State: TX

Complaint narrative:
I changed cable service with XXXX XXXX XXXX, staying with the company as a provider but changing from XXXX XXXX XXXX XXXX XXXX XXXX. I returned the modem to the company and received an email confirming receipt. I contacted both XXXX XXXX XXXX as well as the collection agency that processed the action, MRS BPO ; providing both companies the email showing that they received the device ( serial number was on the email ). Both agencies never responded and continued to treat this as a debt. I paid them the {$320.00}, in an attempt to resolve the issue and keep it off my credit report. They refused to remove it from my report. 

I filed a dispute using XXXX, XXXX, XXXX ; but the item remains. I did the right thing and used every available remedy to resolve this situation. I do not understand why it remains on my report and why I can not get this removed. There should be a remedy for this type of activity, it is unfair to the consumer that there are no protections when you are trying to do the right thing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-08 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act Chapter XXXX Bankruptcy Reference # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States 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 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 2022-04-08 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act Chapter XXXX Bankruptcy Reference # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: TX

Complaint narrative:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-08 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: MD

Complaint narrative:
Hello I have several inquiries from equifax that dnt belongs to me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: LA

Complaint narrative:
CARES ACT Violation personal loan late payment XXXX XXXX  XXXX FRCA Violation inquiry XXXX XXXX XXXX Violation personal information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-08 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: LA

Complaint narrative:
CARES ACT Violation personal loan late payment XXXX XXXX  XXXX FRCA Violation inquiry XXXX XXXX FRCA Violation personal information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, LA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Date opened XXXX XXXX for amount of {$520.00} XXXX XXXX XXXX. I would like this closed account removed. 
XXXX XXXX XXXX for XXXX open XX/XX/2017. I would like this closed account removed. 
XXXX COLLECTIONS XXXX Opened XXXX XXXX for {$84.00}. I would like this collection removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
On XX/XX/XXXX, LL Bean Mastercard alerted me to possible fraud on my account ( XXXX am ) via email. At XXXX I contacted LL Bean Mastercard at XXXX. I spoke with operator XXXX at length, the operator reviewed each of my transactions for the month of XXXX. She closed the card and supposedly reissued a card ( not yet received ). All " normal '', I made a request to have an email relating the charges being removed from my account and tha I was not liable for those charges. She confirmed that would be done and I would receive said email in XXXX business days ( because I specifically requested the email ). On XX/XX/XXXX, I had to call customer serice-transferred to XXXX to be told that " we do not provide email confirmations, only mailed confirmations ''. Additionally, today XX/XX/XXXX I contacted the Securities Department operator XXXX stated there was NO REPORTED fraud showing on the account, again I reviewed the fraudulent charges and XXXX XXXX stated XXXX would tag them as fraud but the credit would not appear until the following month ( meaning I would be responsible for the interest on {$1500.00} in fraudulent charges ). And her supervisor XXXX XXXX ( operator KHN ) refused to provide the email as requested for me, and again stated that the XXXX department had no prior XXXX reported on the account until XXXX submitted today on XX/XX/2022. So today I have no confirmation ( CitiBank refuses ) to provide an email stating that I am not liable for these charges or for the incurring interest. XXXX the supposed " XXXX '' in XXXX refuses as well to provide a confirmation that these fraudulent charges ( the ones the XXXX up on XXXX ) are not my liability. Additionally, these charges won't be removed until the next billing cycle making me liable for the interest at 14 % for {$1500.00}. I am not being unreasonable, past experience with CITIBank indicates that this tactic is very normal and consistent with their operating mode.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX XXXX XXXX/ {XXXX} / XX/XX/2022 XXXX / {XXXX} / XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Southwest Recovery Services, Inc.
State: TN

Complaint narrative:
Closed a account # XXXX with XXXX XXXX XXXX for a credit card machine used in my medical Practice on XX/XX/XXXX. XXXX XXXX returned on XX/XX/XXXX to the company. Invoices had been paid up until that point by automatic bank withdraw from the medical practice business account at XXXX Bank, XXXX XXXX, KY. We were never contacted by XXXX XXXX XXXX XXXX any outstanding balance. 

In XXXX I was contacted by Southwest Recovery services about an outstanding balance, I sent copies of the XXXX shipping receipt to Southwest Recovery on XX/XX/XXXX. Asked about specifics on how I had accrued a balance and i was sent some invoices issued AFTER I had returned the machine in XX/XX/XXXX which At some point in XXXX I was reported to credit agencies and my credit score has dropped about XXXX points. 

Contacted XXXX XXXX XXXX and the accounting department would not talk to me. 
Contacted again Southwest Recovery and spoke with a different person asking for explanations, the only response that I got consist again of copies of invoices ( 2 different format sent by separate emails ) issued by XXXX XXXX XXXX AFTER the account had been closed and AFTER the credit card terminal had been returned with an appropriate XXXX number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
They are trying to say that I am not showing proof that they charged me twice. I think PayPal is hacked. But I have a record of purchases and my bank statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/2022 I was charged {$410.00} at a XXXX XXXX XXXX in XXXX XXXX. I have never been to this Gas Station as it is XXXX miles from my home. I XXXX XXXX a XXXX XXXX and XXXX XXXX XXXX I have never spend more than {$60.00} at any gas station. 

I called Wells Fargo to open a claim. They closed my card and sent me a new one. They also credited me for the charge. 

Today I saw, the charge reappeared on my statement for my new card on XX/XX/2022. I called Wells Fargo and they told me the claim was denied because the card was always in my possession. I was given no notice or explanation of this decision. They opened a new claim, but I find this to be unacceptable that I need to spend money and have this charge on my account. If one uses common sense and sees the facts, this is clearly fraud. Please help. 


This is the address to the gas station, which I found with a simple google. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Date opened XXXX XXXX for amount of {$520.00} XXXX XXXX XXXX. I would like this closed account removed. 
XXXX XXXX XXXX for XXXX open XX/XX/2017. I would like this closed account removed. 
XXXX XXXX  XXXX Opened XXXX XXXX for {$84.00}. I would like this collection removed.

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