vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I WROTE AND NOTIFIED THE TRANSUNION AND I ALSO NOTIFIED THE JUNK DEBT BUYERS 15 u.s code 3 1681a DEFINITION ; RULES OF CONSTRUCTION ( 3 ) RESTRICTIONS ON SHARING OF MEDICAL INFORMATION. EXCEPT FOR INFORMATION OR ANY COMMUNICATION OF INFORMATION DISCLOSED AS PROVIDED IN SECTION 1681B G ( 3 ) of this title, the exclusions in paragraph 2 shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is. ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services. ( I ) Medical Information 1. Means information or data whether oral or recorded in any form or medium created by or derived from a health care provider or the consumer that relates to ( A ) the past, the present or future physical, mental or behavior health or condition of an individual ; ( B ) the provision of health care to an individual or ( C ) the payment for the provision of health care to an individual. ( XXXX ) DOES NOT INCLUDE THE AGE OR GENDER OF A CONSUMER DEMOGRAPHIC INFORMATION INCLUDING A CONSUMER RESIDENCE ADDRESS OR EMAIL ADDRESS OR ANY OTHER INFORMATION ABOUT A CONSUMER THAT DOES NOT RELATE TO THE PHYSICAL MENTAL OR BEHAVIOR HEALTH OR CONDITION OF A CONSUMER INCLUDING THE EXISTENCE OR VALUE OF ANY INSURANCE POLICY, REMOVE THESE ACCOUNTS IMMEDIATELY.YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER REMOVE THESE ACCOUNTS 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 non-monetary relief
Consumer complaint received 2022-10-25 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: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
I have failed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 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: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
I have failed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 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: TX

Complaint narrative:
Hello I usually pull my reports on a daily basis using XXXX XXXX and on XX/XX/2022 I noticed a hard inquiry on my TransUnion report from a XXXX XXXX. I immediately contacted TransUnion and was told that they were aware of this problem and that it would be corrected and removed by XXXX XXXX, which it was. In the process my credit score was dropped by XXXX points because of inquiry and as of today, XXXX XXXX, TransUnion has refused to correct my score. I have contacted XXXX and am just given the run around. 

FYI : during my initial conversation with XXXX I was told that this error happened to many more people other than myself.

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 2022-10-25 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: SANTANDER HOLDINGS USA, INC.
State: MO

Complaint narrative:
According to the law 15 U.S. Code 1681 b - Permissible purpose of consumer reports, A consumer reporting agency can not furnish a account without my written instructions is considered Indentity theft. 15 U.S.C 1681 section 602 A. States I have the right to privacy. I received a copy of my credit report and found the following items to be INACCURATE and has violated my rights XXXX : XXXXXXXX XXXX Account number XXXX XXXX XXXX XXXX : XXXX XXXXXXXX Account number XXXX XXXX : XXXXXXXX XXXXXXXX Account number XXXX XXXX : SanTander Comsumer Usa Account number XXXX XXXX : XXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX : XXXX XXXX  Account number XXXX XXXX XXXX : XXXX XXXX  Account number XXXX XXXX : XXXX XXXX  Account number XXXX XXXX : XXXX  Account number XXXX XXXX : XXXX XXXX XXXX, XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX : XXXX XXXXXXXX Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: CA

Complaint narrative:
I was tried to get 4 phones with service with XXXX online, But I never get the phone and/or Services from them. Two months later they sent my a bill. I try to call them, and they told me they can't access my account. then they sent it to a collecting agency. XXXX is a scam, sent you a bill with an account that they can't access, and just want you to paid it.

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 2022-10-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capital Accounts, LLC
State: SC

Complaint narrative:
Accordance with the Fair Credit Reporting act XXXX  Account # XXXX - XXXX XXXX XXXX. Reported by debt collector CAPITAL ACCOUNTS LLC, 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 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: NY

Complaint narrative:
I am, XXXX XXXX, submitting this complaint against XXXX XXXX XXXX XXXX XXXX and there is no third party involved. As of XXXX, XX/XX/XXXX at XXXX XXXX XXXX your company is entering a binding contract ( Attached below ). Also, your company is hereby to delete these accounts below as of now. If your company does not delete these account within 3 business days I will seek legal for up to {$3000.00} as your company will be committing aggravated Identity theft. Delete & purge these accounts below : XXXX XXXX XXXX ( CLOSED ) DEPT OF EDXXXX XXXX DEPT OF ED/ XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX DEPT OF EDXXXX DEPT OF EDXXXX DEPT OF EDXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete & Purge all Late payments for these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete and purge all Hard inquiries , & all Late payments. You are hereby Given permission to report NO MORE than 30 % utilization percentage at any time. Should your reporting agency exceed more than that utilization from the aforementioned amount you shall be subject to the fees stated in binding contract & above.

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 2022-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: OH

Complaint narrative:
I bank with US Bank. When using our debit cards, the transactions pend sometimes up to a week and a half. We always go by the available balance as instructed by the bank, but due to the error in processing the transactions in a timely manner, it inaccurately reflects in the available balance causing us to continually transfer funds to cover the checking so we do not overdraft.

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 2022-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I tried to dispute this closed account with XXXX balance, because they are reporting with late payment. As far as I know it is illegal. I need a quick resolution for this. 

Account Name : XXXX Account XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 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: MD

Complaint narrative:
I have submitted a factual dispute to Experian pointing out inaccuracies XXXX XXXX XXXX XXXX was reporting. I've disputed XXXX XXXX repeatedly reporting " Charge Off '' on my account and XXXX XXXX XXXX. I am aware the creditor has the option to update its reporting however it came back as verified. I have sent several requests for them to provide me with the method of verification used to verify the information being reported those request came back with a credit report and a updated saying verified. Please see attached at this point I am requesting a deletion of this creditor from my Experian report.

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 2022-10-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: AR

Complaint narrative:
Someone created a Cash App XXXX using my personal information. The fraudulent XXXX  is " $ my first name my last name ''. There is not another person on earth with my name. People have tried sending me money, using this fraudulent XXXX  account - thinking it belongs to me. This is not an account that i previously created. It is associated with an email address that i am unfamiliar with. I have tried desperately to access the funds sent to this fraudulent account. And have tried hopelessly to work with the business 's support team to have the issue rectified. Because i do not know the full email address associated with the account, nor do i have access to the phone number associated with it, nor can i recite the associated debit card on file under this fraudulent account handle, i am unable to access these funds. Including a wire sent as recently as XX/XX/2022 at around XXXXXXXX XXXX. XXXX for the amount of {$60.00}. In addition to retrieval of these misdirected funds, i would like for the company to close out this fraudulent account so that payments do not continue to be misdirected to this XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
We have been getting at least 5 phone calls a day from comenity bank about a debt which is not ours. We called there customer service rep and were told that we would be removed but continue to get the calls. They said that some one probably fraudulently used our phone number. The calls are annoying and must stop. I owe no one money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-25 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: NY

Complaint narrative:
There has been some reports on my credit score that i do not recognize. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Someone called me from ( XXXX ) XXXX stating I had a old credit card bill ( Capital one ) that I owed over {$16000.00}. and they wanted to come an appraise my XXXX XXXX vehicle. 

I do not owe any money to Capital one. Card ending in : XXXX case # XXXX another number they left XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 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: PA

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-10-25 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: FL

Complaint narrative:
In accordance with the Fair Credit Act XXXX the Accounts listed in this complaint, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions This account XXXX XXXX XXXX XXXX XXXX # XXXX is not my account or related to me. I have contacted Experian which is the only bureau reporting this improper account. I asked them to provide me with method in which they verified and added this account to my credit profile. They did not provide me with this information requested.

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 2022-10-25 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im depressed  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: UPGRADE, INC.
State: NC

Complaint narrative:
Hello. I've had multiple phone calls about my rewards checking account bonus that I was told I qualified for after applying for the credit line and doing 3 checking transactions. It's been more than 60 days, which is what I was told was the deadline. Please have someone credit my account the {$500.00} I am owed. I was supposed to get a call back " in XXXX minutes '' on Friday after being told I did in fact qualify. Nobody called. Thank you. XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Whenever Equifax reports a dispute, they update the date reported. I have a closed account with XXXX that was settled. There is a current tradeline of " date of major delinquency reported '' that shows XX/XX/XXXX. That is completely inaccurate. The major delinquency was caused by XXXX  and occured in XXXX, and was settle in XXXX of XXXX. This is causing Fico to report the most recent late payment on the account to be only on month old, as well as a huge dip in my credit score which is affecting my ability to obtain a mortgage. 

I also requested through Equifax that the most recent dispute that was filed at the end of XXXX be deleted. I was assured that it would be deleted within 7-10 business days. It has been over three weeks since I made was told that the dispute would be deleted and it still remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters

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 2022-10-25 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: The Aligned Company DBA Extra
State: TX

Complaint narrative:
I signed up for a company called EXTRA and their debit card program which said that it will help to build credit as we do transactions from their card. I created an account and signed up and sent in an application. First of all the application process took more than 3 months. After that the card never arrived. 
They said some documents had been pending and I will have to submit them through their application. Which I did. The documents then are in the review and its been more than a month the documents are in review. When I speak to the customer service they say that they did not receive the documents and ask me to submit. There is no place to submit the documents through the app and they insist. This way I have been going back and forth for more than 1 month now. Moreover all this time they are still debiting the fees from my account as it is automatically linked. 
It is a mess. I have asked them to cancel my card but that is also pending as they have to get the documents. The company says that there is a technical problem and their technical team is working to solve it. This is also going on for a week. I am so irritated. This company seems like a fraud. They clearly mentioned they will not charge any fees but they are charging. Please help me.

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 monetary relief