vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: FL

Complaint narrative:
I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This FIRST CREDIT SERVICES account with a balance of {$220.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. 
To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} million from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX XXXX of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Comerica
State: NE

Complaint narrative:
On or about XX/XX/XXXX, I sent a XXXX XXXX to an associate named XXXX. XXXX failed despite my having had sufficient funds in the XXXX XXXX. XXXX informed me money did not go through. The XXXX XXXX system became jammed where I could not get any of my money. I waited for Direct Express who handles my XXXX XXXX to take corrective action after I spoke to them. However, to this day, XX/XX/2022, I have yet to receive my money. Again, today, I spoke to a customer care representative at Direct Express who said that Direct Express does not accept third party deposits, and especially more than {$50.00} daily. He continued saying that my balance had been reduced to {$22.00}. My XXXX check that was XXXX to Direct Express in the amount of {$800.00} has disappeared without a trace in doing business to Direct Express and XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
FCRA violations : inquires not mine XXXX  XXXX., XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record XXXX XX/XX/XXXX FCRA violations : payments never late XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed.

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 2022-05-17 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXXALL ACCOUNTS BELOW HAS VIOLATED MY RIGHTS*** XXXX  Account XXXX # XXXX has violated my rights. 
XXXX  Account XXXX  XXXX  IN CO # XXXX has violated my rights. 
XXXX Account XXXX # XXXX has violated my rights. 
XXXX Account XXXX # XXXX has violated my rights. 
XXXX Account XXXX # XXXX has violated my rights. 
XXXX Account XXXX # XXXX has violated my rights. 
XXXX Account XXXX # XXXX has violated my rights. 
XXXX Account XXXX # XXXX has violated my rights. 
XXXX Account XXXX XXXX # XXXX has violated my rights. 
XXXX Account XXXX  XXXX # XXXX has violated my rights. 
XXXX Account XXXX XXXX # XXXX has violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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 — Overcharged for something you did purchase with the card
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
On XX/XX/2022 I purchased XXXX airline tickets to XXXX through XXXX. I subsequently noticed XXXX charged me twice for each flight. I alerted XXXX and the XXXX extra charges were removed from my credit card activity. When I went to pay my Barclays bill, I noticed the charges had reappeared. I contacted XXXX who told me Barclays had only paid them once for each flight. XXXX Ive been shuttled between Barclays ' fraud and disputes departments. They told me the case was closed and resolved. 
I asked them how the case could be closed when I still haven't been refunded the {$1200.00}. 

I was finally directed to yet another department at Barclays who admitted the mistake was theirs. At the time I had purchased the tickets there had been fraud on my card and I'd been issued a new one. Somehow XXXX of the flight charges were on XXXX card number, XXXX on the other. Barclays had finally admitted their mistake. The man I spoke with, promised I'd be reimbursed. within forty-eight hours. I asked him for his name and if it was a new case number, and he refused. That was on XX/XX/2022. I have still not been reimbursed. Original case # 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 monetary relief
Consumer complaint received 2022-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I am an authorized user for american express on a platinum card and I pay on time. I applied for an american express cash magnet card on XXXX, XXXX and I have a qualifying credit score and positive payment history with American Express since XXXX as an authorized user on an American Express Platinum . The reason for the adverse action what because of a balance I owe from a business credit card with American which I pay on time even at the time and they even closed that card unfairly because of a cash advance. It makes no sense that Im paying that balance on time for a business credit card and now receiving adverse action when applying for a personal credit card especially when by law I should not ever receive adverse action when my social security number is being used and I'm receiving no benefit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My Credit Profiles indicates XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX  and XXXX, all Debt Collection Companies, placed collections on my Credit Reports. However, I did not provide any written consent at all, not to mention the inaccuracy in the first place. I disputed through all three credit reporting agencies ( XXXX, XXXX, and Transunion ) and the response came back confirmed. This is impossible because I have no knowledge of these accounts. Unfortunately, I have been a victim of numerous data breaches, credit companies included. According to the Fair Credit Reporting Act ( FCRA ), the consumer must receive notification of debt and an opportunity to dispute the debt before being added to any credit profile I never received it because it is false. Additionally, I did not give explicit or written consent to any of the above mention companies and for that matter, neither have I have heard of nor ever conducted any business with them. Furthermore, through the Consumer Financial Protection Bureau, these business matters have not been resolved ; Additionally, under 15 US Code 1681b - Permissible purposes, this is to be considered as identity theft. As a result of these inaccuracies my credit score has been deeply impacted making me seem as if I am not credible. I am uncertain why these companies are attempting to collect this erroneous debt. Kindly delete the collection account from all three credit bureaus ( XXXX, XXXX, and TransUnion ). 
Please remove these inaccuracies from all three credit bureaus immediately. second and third party credit reporting agencies are owned by all three credit reporting agencies. I feel this is why I am not getting any results, because they are asking themselves if I am me. This is totally unfair and illegal.

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 2022-05-17 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: TX

Complaint narrative:
My Credit Profiles indicates XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX  and XXXX, all Debt Collection Companies, placed collections on my Credit Reports. However, I did not provide any written consent at all, not to mention the inaccuracy in the first place. I disputed through all three credit reporting agencies ( XXXX, Equifax, and XXXX ) and the response came back confirmed. This is impossible because I have no knowledge of these accounts. Unfortunately, I have been a victim of numerous data breaches, credit companies included. According to the Fair Credit Reporting Act ( FCRA ), the consumer must receive notification of debt and an opportunity to dispute the debt before being added to any credit profile I never received it because it is false. Additionally, I did not give explicit or written consent to any of the above mention companies and for that matter, neither have I have heard of nor ever conducted any business with them. Furthermore, through the Consumer Financial Protection Bureau, these business matters have not been resolved ; Additionally, under 15 US Code 1681b - Permissible purposes, this is to be considered as identity theft. As a result of these inaccuracies my credit score has been deeply impacted making me seem as if I am not credible. I am uncertain why these companies are attempting to collect this erroneous debt. Kindly delete the collection account from all XXXX  credit bureaus ( XXXX, Equifax, and XXXX ). 
Please remove these inaccuracies from all three credit bureaus immediately. second and third party credit reporting agencies are owned by all three credit reporting agencies. I feel this is why I am not getting any results, because they are asking themselves if I am me. This is totally unfair and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: TX

Complaint narrative:
FCRA violations : inquires not mine XXXX  XXXX., XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : payments never late XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-17 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: TX

Complaint narrative:
FCRA violations : inquires not mine XXXX  XXXX., XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : payments never late XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed.

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 2022-05-17 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-17 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2022-05-17 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2022-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: IL

Complaint narrative:
After informing us bank I filed a bankruptcy they refused to release funds back to me per the instruction I received from XXXX from their corporate customer service department. I went into the branch in XXXX Illinois on XXXX XXXX and was partially greeted by XXXX XXXX at the door who literally interrogated me at the door regarding why I was coming in and then got upset with me because I didnt want to discuss my bankruptcy in a line full of people. She began to make nasty comments saying oh its too much going on what day is it its only Tuesday and all this is going and then continues to be disrespectful and talk about me to the XXXX XXXX securitas guard. Then when leaving she informed me she was the branch manager and would be leaving in a few days anyway.

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 2022-05-17 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XX/XX/XXXX, I contacted TransUnion about the following negative accounts XXXX XXXX XXXX ( Date opened XX/XX/XXXX, Balance {$620.00} ), XXXX XXXX XXXX ( Date opened XX/XX/XXXX, Balance {$450.00} ), XXXX XXXX XXXX XXXX ( Date opened XX/XX/XXXX, Original amount {$2000.00} ), XXXX XXXX XXXX  ( Date Opened XXXX. XXXX, XXXX, Balance {$670.00} ), XXXX XXXX ( Date Opened XXXX XXXX, XXXX, Credit limit {$300.00} ), XXXX XXXX XXXX XXXX  ( Date Opened XX/XX/XXXX Original amount {$520.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2022-05-17 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: Radius Global Solutions LLC
State: OR

Complaint narrative:
Radius global XXXX and XXXX XXXX XXXX are reporting incorrectly on my credit reports and not removing them accordingly. They are reporting two accounts on my XXXX report and even after dispute they are still reporting incorrect information which is resulting in a lower score. I need the account removed off my 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