vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: GA

Complaint narrative:
XXXX  {$2700.00} 2014 XXXX credit card open in with my information as result of identity theft. 
Filed and sent police report and FTC claim to XXXX as well as all 3 bureaus. 
XXXX refuse to acknowledge claim. 
Credit Control is the debt collector that sent out notice. When I disputed the claim the file was transferred back to XXXX Bank for the claim to be denied. One e denied file was reassigned back to Credit Control. I ask company to send me a copy of the original contract so that I can conduct a personal investigation just to keep receiving bill statements. This is causing hardship due to credit denial

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 2022-11-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ENOVA INTERNATIONAL, INC.
State: OH

Complaint narrative:
They asked for all of my personal information and my bank info. I uploaded all the required documents. I received an email saying I was declined because they couldnt verify my income. This is blatantly false. I uploaded my pay stubs ( more than required ) and have worked at a major big ten university since 2008. I then called and told them my complaint and they said, despite asking for all my personal information AGAIN that they couldnt discuss it and I should check my email. Which was the reason I called. This business is fraudulent and now has all of my information. I want them shut down for predatory lending, false information, and refusing to state the reason for denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 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: Affirm Holdings, Inc
State: OR

Complaint narrative:
I opened a small loan with Affirm in XX/XX/XXXX. I began making payments in XX/XX/XXXX. I made all payments since then on time and for the full amount. Affirm reported the total balance and the first XXXX payments to XXXX. After 11 months of payments, Affirm did not reported again. In XX/XX/XXXX Affirm stop reporting any information to XXXX and XXXX removed the loan from my credit history. This lowered my XXXX XXXX by removing the a history on time payments and increased my debt to available credit ratio. They have harmed my XXXX XXXX when there is ample evidence that I have met my contractual obligations to Affirm, including paying their very high interest rate. The sole purpose o this loan was to build a credit history and therefore increase my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 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: NC

Complaint narrative:
I have hard inquiries on my Experian credit report that I did not authorize. I've sent letters and called this bureau to inform them that these inquires were not made by me but they are still on my credit report. The inquires are as follows : Experian Business Cred Experian Business Cred 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 2022-11-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
Per company : This is the third complaint in regard to this debt. We sent the our first notice, being the " model notice '' on XX/XX/22 to the same address as on this complaint. We made XXXX more additional attempts prior to credit reporting. The first contact from XXXX XXXX was the first CFPB complaint on XX/XX/22.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 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: TX

Complaint narrative:
I have disputed the following accounts with the Credit reporting agencies multiple times directly as well as through previous CFPB complaints! The CRAs continue to state the accounts are accurate without providing the procedure used to verify the accounts. I have also disputed directly with the furnishers of the information and have received correspondence from them that proves the information reflected in my consumer report is not XXXX XXXX  accurate. In some instances the accounts are not reflected completely and is missing valuable information. All the CFPB does is forward the information this company is not performing a thorough investigation into the issues being provided by the consumers! 

The following accounts have been continuously reported inaccurately after being made aware of the errors! 

XXXX XXXX XXXXXXXX ) I will include a CFPB complaint response in which the company clearly states they will have the XXXX delete this account XXXX XXXX XXXX XXXX ) I will be attaching copies from the original creditor as well as the purchaser of this account in which the original creditor states the last payment posted to the account on XX/XX/XXXX and the purchaser of the account is reflecting XX/XX/XXXX. 

XXXX XXXX ( XXXX ) I will be attaching a copy of a letter that was sent from the furnisher of this account that they obtained from the original creditor. XXXX reflects XX/XX/XXXX as the date XXXX acquired this account ; the original creditor states XXXX acquired this account XX/XX/XXXX. 

XXXX ( XXXX ) This account is reflecting an inaccurate date of closing for XXXX  XXXX XXXX XXXX is reflecting XX/XX/XXXX as the closed date however XXXX has made it clear the account was closed on XX/XX/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 non-monetary relief
Consumer complaint received 2022-11-12 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 XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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 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 2022-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX  did not resole the dispute in 120 days, XXXX XXXX XXXX  did not contact my 2 XXXX XXXX XXXX  and XXXX to get that debt paid

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 2022-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX continues to report XXXX XXXX and XXXX XXXX accounts as DEROGATORY AND COLLECTION/CHARGEOFF when these accounts have been settled aND PAID. The account status and payment status should reflect PAID AS AGREED AND PAID AND CLOSED. I have disputed this issue with the CFPB and still have not received any help. XXXX continues to violate the law and violate my consumer right to have the accounts reported correctly. I have attached yet again a current copy of the credit report direct from XXXX which shows they are incorrectly reporting these two accounts as derogatory when they should reflect current and paid. I am now forced to hire a consumer attorney and sue the credit bureaus to fix this matter.

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 2022-11-12 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: NC

Complaint narrative:
In a accordance with the fair credit reporting act XXXXXXXX account # listed below has violated my rights XXXX XXXX XXXXXXXX XXXX XXXX XXXX states I have the right privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX : it also states a consumer reporting agency can not furnish an account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number XXXX XXXX XXXX A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason This is what I have so far that Im REMOVING ( Delete ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( REMOVE ACCOUNT 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 2022-11-12 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: Source Receivables Management LLC
State: CA

Complaint narrative:
I have disputed the inaccuracies on my credit report that Source receivables is sending to XXXX and XXXX. One example is that they are reporting Date Last Active as XX/XX/2022 I have never been active on this account. They are violating the FCRA laws. Also, I need validation of debt. I have never signed a contract with this company or owed this company one cent. I would like for you to investigate this matter. I need some legal documentation with my signature stating I owe them and the exact amount. I am going to file a complaint with the state attorneys office if they don't remove it by next week. Thank you in advance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have only XXXX phone number As I look on my XXXX, XXXX and equifix I see unknown phones that doesnt belong to me the only phone number tha should be listed is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have only XXXX phone number As I look on my Experian, XXXX and XXXX I see unknown phones that doesnt belong to me the only phone number tha should be listed is 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 non-monetary relief
Consumer complaint received 2022-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX did not resole the dispute in 120 days, XXXX XXXX XXXX did not contact my XXXX XXXX XXXX XXXX and XXXX to get that debt paid

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 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: IN

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-11-12 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: IN

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I opened a small loan with XXXX in XX/XX/XXXX. I began making payments in XX/XX/XXXX. I made all payments since then on time and for the full amount. XXXX reported the total balance and the first two payments to Experian. After 11 months of payments, XXXX did not reported again. In XX/XX/XXXX XXXX XXXX stop reporting any information to Experian and Experian removed the loan from my credit history. This lowered my credit score by removing the a history on time payments and increased my debt to available credit ratio. They have harmed my credit score when there is ample evidence that I have met my contractual obligations to XXXX, including paying their very high interest rate. The sole purpose o this loan was to build a credit history and therefore increase my score.

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 2022-11-12 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Louisiana Recovery Services Inc.
State: TX

Complaint narrative:
this XXXX  XXXX XXXX  did not and was informed to contact both XXXX  and XXXX to get this paid

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 2022-11-12 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: IN

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-11-12 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: NC

Complaint narrative:
In a accordance with the fair credit reporting act convergent account # listed below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason This is what I have so far that Im RXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 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: NC

Complaint narrative:
In a accordance with the fair credit reporting act convergent account # listed below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason This is what I have so far that Im XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: M&T BANK CORPORATION
State: CT

Complaint narrative:
logging in-then keeps saying unable to get to this website -- -- -- -- ive done with this XXXX bank once and for all please close them down

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 2022-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: National Credit Adjusters, LLC
State: PA

Complaint narrative:
Contacted the debt collector and was advised if I paid off this debt it would be removed from my credit reports. Not only has the collector kept the debt On my credit report. It still updates as if it is not paid and that is hurting my credit I have disputed this transaction with my attorney general of my state. Unfortunately the Attorney General said they have no standing over this case and referred me to you

Company response to consumer: Closed with explanation