vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-28 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: National Credit Adjusters, LLC
State: LA

Complaint narrative:
I paid my collection in full on XX/XX/XXXX with XXXX XXXX XXXX. On XX/XX/XXXX, they put a collection on my credit report and reported the balance as unpaid. I submitted a bank statement showing that I paid the balance. XXXX reported back to me that the company says the reported balance is correct and closed my dispute even after I gave proof. They are just taking the company 's word for it. I called the company and they said that this is XXXX 's error, not theirs. XXXX says it is the company. I don't know what to do. I have other mistakes on my XXXX credit report as well, and I am afraid that XXXX will leave these discrepancies there. National Credit adjusters has the date that my account defaulted wrong, which would make the account stay on my credit report longer. I went delinquent in XX/XX/XXXX, and on my XXXX credit report, it says XX/XX/XXXX. I disputed this a long time ago and a response was not given. Months! I disputed again. I am hoping someone will help me get these errors fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: TX

Complaint narrative:
Hello on XX/XX/XXXX I sent a inquiry removal letter to Equifax and recieved no response and I know per the fair credit reporting act legally these unauthorized inquiries must be removed and blocked. Please block and/or remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. My Info was also impacted by the Equifax data breach so I dont know who could have my information now. I do not want a fraud alert placed on my credit profile none whatsoever but I demand these inquiries be removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: HI

Complaint narrative:
RE : XXXX First, you state I continue to allege the charges and interest are fraudulent. Because they are, whether you like it or not. The interest incurred on the original fraudulent charge is fraudulent ; despite the fact that you keep asking the entity committing fraud if theyve done it. And, I could care less if the entity committing fraud says Im liable. Of course, thats what theyd say. Theyre trying to XXXX. Whats more, it evolved from a merchant dispute to fraud once the seller lied about the quality of their product and their location, and when XXXX decided to follow through with the charge, despite the fact that the sellers website had been taken down for fraud, and the seller could no longer be contacted. Furthermore, your lack of evidence and circular reasoning is growing quite tiresome. Once again, claiming res ipsa loquitur just makes you look foolish. Lastly, as previously stated, I could care less if the scam artists at XXXX contacted the original scam artist seller before the website was taken down, and the seller verified the purchase. Once again, of course thats what theyd say. Theyre trying to XXXX as well. 

In conclusion XXXX XXXX The seller committed fraud by lying about the quality of their product and their location, and their XXXX information and countless reviews proves this. 
2. XXXX committed their first act of fraud by charging interest on the original fraudulent charge, despite proving the original charge was fraudulent. Then XXXX committed a second count of fraud by selling the fraudulent account to MCM. I did not authorize the seller to charge my credit card for the product received, nor did I authorize anything coming from the region the seller lied about being in. 

With that said, my position has not change. The above-mentioned account needs to be terminated immediately, and my credit rectified. The shady MCM collection agents need to stop harassing me as well. And, cool, you stopped reporting to the credit agencies ; as you should, it still doesnt fix the mess that has already been created by XXXX. This needs to be remedied IMMEDIATELY! Failure to do so will result in being contacted by the State Attorney, followed by legal counsel. 

Finally, MCM is not a reputable company. Ive read your reviews, XXXX complaints, etc. Youre scam artists as well, and this is just one big XXXX XXXX  where you clowns rip people off while daring them to sue you. Whats more, stop the condescending XXXX. You clearly could care less about how the scam youre running has inconvenienced me. If you really cared, youd stop scamming people. Truth is, youre a bunch of parasites. 

Quash this account and restore my credit IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello on XX/XX/XXXX I sent a inquiry removal letter to Experian and recieved no response and I know per the fair credit reporting act legally these unauthorized inquiries must be removed and blocked. Please block and/or remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. My Info was also impacted by the Equifax data breach so I dont know who could have my information now. I do not want a fraud alert placed on my credit profile none whatsoever but I demand these inquiries be removed 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 2022-03-28 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: NC

Complaint narrative:
On XX/XX/2022 I wrote a dispute letter to TransUnion disputing ( 3 ) three accounts as erroneous and sent them certified mail. On XX/XX/2022 the letters were received by TransUnion certified mail. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), they had 30 days to investigate my dispute. XX/XX/2022 I decided to reach out to TransUnion letting them know I did not receive any response from them stating that they were investigating my dispute in the 30 day time allotted so I followed up with a demand and comply letter. In return TransUnion deleted my XXXX XXXX XXXX XXXX # XXXX but did NOT delete the XXXX XXXX # XXXX ; as well did NOT delete the XXXX XXXX XXXX XXXX # XXXX. It was clearly stated that this was NOT another dispute or opportunity to reinvestigate the previous dispute. The allowable period to conduct such a reinvestigation has expired and shall not be extended by law.

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 2022-03-28 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:
I just realized I have a hard credit inquiry from XXXX XXXX even though I don't have any accounts with them. I never gave them authorization to access my credit 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 2022-03-28 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: TX

Complaint narrative:
I just realized I have a hard credit inquiry from XXXX XXXX even though I don't have any accounts with them. I never gave them authorization to access my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I just realized I have a hard credit inquiry from XXXX XXXX even though I don't have any accounts with them. I never gave them authorization to access my credit 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 2022-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'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 and I am filing this complaint about 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 2022-03-28 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: FL

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a 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 non-monetary relief
Consumer complaint received 2022-03-28 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a 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 response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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 on XX/XX/XXXX I sent a inquiry removal letter to Transunion and recieved no response and I know per the fair credit reporting act legally these unauthorized inquiries must be removed and blocked. Please block and/or remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. My Info was also impacted by the XXXX data breach so I dont know who could have my information now. I do not want a fraud alert placed on my credit profile none whatsoever but I demand these inquiries be removed 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 2022-03-28 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I have sent letters and called the credit bureaus as well as the merchant to sold this issue. 
I dont have any late Payments and if so can they please send me something. I never received any bills online or mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: FL

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and 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 non-monetary relief
Consumer complaint received 2022-03-28 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: FL

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and 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 non-monetary relief
Consumer complaint received 2022-03-28 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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the equifax data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the ftc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This credit bureau is running my personal information such as court records and background checks without my consent. This information that is in my file is erroneous and I want it removed immediately. I do not have a criminal background!

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 2022-03-28 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: IN

Complaint narrative:
I sent this agency a notarized, certified letter with return receipt about inaccurate, erroneous, and fraudulent accounts on my consumer report. I supplied valid proof of inaccuracies and fraudulent accounts and This agency has failed to act or update my account as in dispute. I provided proof that XXXX XXXXXXXX XXXX violated my federally protected consumer rights and committed identity theft against me. XXXX XXXX shared my personal information with XXXX without my consent. No consent is identity theft! On my consumer report there is an inquiry from XXXX which I did not approve or consent to and again no consent is identity theft. I have no contract with XXXX nor have I had any communication with them. I understand I am a consumer protected by federal law. By this agency reporting this information they are committing identity theft as well. It is to my understanding that all accounts deemed as identity theft be deleted from a consumer 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 non-monetary relief
Consumer complaint received 2022-03-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: OR

Complaint narrative:
I purchased a diamond engagement ring and wedding band at Zales and was told to open up a account for 18 months, no interest financing, sounded like a good promotion. I was not told about the terms of the financing, just that it is interest free for 18 months. I was making all my payments on time each month and every months as I do with all my bills and I have excellent credit, XXXX XXXX XXXX. I fully intended to pay off the balance before the end of the 18 months. On XX/XX/2022 I receive a bill in the mail with a balance of {$1300.00} and a interest charge of {$1400.00}, I call the bank that day and ask, why is there a {$1400.00} interest charge on my account?! Was told I past the promotional date of 18 months deferred interest, in which I did not know that my promotion was nearing the end, no mention of it on thr billing statement on the first page, they said it was on the third page?! I didnt look at the third page as my balance is on the first page. I told them I will and I did pay the balance of my statement for goods I had purchased in the amount of {$1300.00} off on XX/XX/2022. They said they will not reverse the fees nor or they obligated too. I said I am paying off the balance today as I did not know the promotion had ended and my interest charges were more than my remaining balance, that is not a cool or ethical business practice for consumers. I spoke with XXXX managers and they were not willing to help me. I am filing a report against this company for unethical business practices and I would like for them to do the right thing. I recently have had a baby, gone through XXXX and have a hardship with my self employment business, their advertising for the credit card no interest is very misleading and was not explained to me and they pushed me to sign up for their store credit. And then to get a {$1400.00} interest charge when I did not see clearly on the first page, was told that the promotion ending date was on the third page, not clearly explained, not clearly told about charges for deferred interest, this isnt a good business practice, and should be illegal if it isnt. If it is legal it is very misleading and puts a huge burden on many consumers if they are late a day on monthly payments or missed promotional ending date that is clearly not marked or easily visible to the consumer. I am a honest person, making a honest living, but not willing to reverse a interest charge in the amount of {$1400.00} when I have been a on time customer is wrong. 

Comenity Capital Bank Do the right thing, and assist your customer in the well being of your business and to the consumer, do not put hardships on honest people. 

XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
Called mortgage comapny to update payments for XXXX XXXX and XXXX, and only continues to report up until XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation