vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Access Receivables of NC Inc.
State: CO

Complaint narrative:
XX/XX/XXXX at Received voice message saying she's not sure she has the right company, gives an address that my company is not associated with. Said her name is XXXX and to call her back at XXXX reference number XXXX for an outstanding debt. 

Later on XX/XX/XXXX received voice message Access Receivable tying in last 4 digits of my bank account to a balance that is due {$1600.00} XX/XX/XXXX received email from XXXX XXXX at Access Receivables saying there is a balance of {$1600.00} that must be paid. The fastest say to suspend collection activity and eliminate delinquency is to make arrangements to pay directly with their office. Access Receivables says their client XXXX  is responsible for making the claim. Neither myself nor my company have any connection with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: IL

Complaint narrative:
***UPDATED INFORMATION FOR COMPLAINT # XXXX ***THIS IS NOT A DUPLICATE COMPLAINT*** ***DO NOT CLOSE AS DUPLICATE*** The credit reporting agency EQUIFAX INFORMATION SERVICES, LLC has been now twice been informed of an UNAUTHORIZED INQUIRY currently being furnished on my consumer credit report and has now willfully and deliberately failed to remove or block the unauthorized inquiry as required by Federal Law pursuant to the Fair Credit Reporting Act [ 15 USC 1681c-2 ( a ) ]. The term Identity Theft is defined under 12 CFR 1022.3 ( h ) as a fraud committed or attempted using the identifying information of another person without authority. The consumer has once again identified the unauthorized inquiry provided herein resulting from Identity Theft and unauthorized use of the my personal identifying information and I have given notice that this unauthorized inquiry has not resulted from any authorized consumer credit transaction. The credit reporting agency EQUIFAX INFORMATION SERVICES, XXXX has now has committed willful and deliberate non-compliance of the Fair Credit Reporting Act [ 15 USC 1681c-2 ( a ) ] for failure to block from reporting the unauthorized inquiry no later than 4 business days after receipt and delivery of the notice delivered on Sunday XX/XX/2022 at XXXX sent by way of USPS Priority Express Mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX As a Federally protected consumer, I am demanding that EQUIFAX INFORMATION SERVICES, LLC immediately remove or block from reporting the following unauthorized inquiry : UNAUTHORIZED INQUIRY TO BE REMOVED : XXXX  XXXX XXXX  XX/XX/2022 ( XXXX ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Debt Mediation, Inc.
State: MS

Complaint narrative:
I contacted Professional Debt Mediation on XX/XX/2022 by telephone and my call was not answered. I contacted XXXXXXXX XXXX XXXX  ( where the original debt came from ), spoke to XXXX XXXX the Apartment complex manager on XX/XX/2022, she replied by email that she has sent 2 emails to this company asking them to remove this debt of {$280.00}. The debt was paid with the original creditor per the terms of the agreement between XXXX XXXX XXXX and XXXX XXXX on behalf of XXXX XXXX. I sent all the supporting documentation to XXXX, XXXX, XXXX XXXX, The Attorney General of Florida, XXXX XXXX XXXX, and Professional Debt Mediation. They continue to flag my credit report, Seems they are not interested in cooperating with me to correct the mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
At the beginning of XX/XX/2022 an account with XXXX XXXX was reported to the credit bureaus, this account was established in XXXX of XXXX. I have knowledge of this account. I contacted XXXX XXXX Customer Support at ( XXXX ) XXXX XX/XX/2022, I started calling to get information on this fraudulent account. I have been calling for almost a month and can't get anyone on the line. After the initial introduction on the automated call there is nothing but silence on the line, I than sat on hold for over 30 minutes multiple times over the course of a week and a half with never being to speak to someone. I found a contact email XXXX on XXXX XXXX  website XXXX but was told they couldn't give me any information because the email I was communicating from was on the account. I replied stating I have no Idea what email or phone number is on the account because I didn't start the account. I sent an email asking for validation of the debt to be sent to my home address but have yet to receive it. Calling into XXXX XXXX isn't getting me anywhere either which makes me feel like the company is a scam and does things like this all the time.

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 2022-07-20 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: NV

Complaint narrative:
These companies do not have my written consent to report items on my credit report 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 2022-07-20 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 accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-20 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: I.C. System, Inc.
State: FL

Complaint narrative:
I left XXXX for another phone provider, while doing so I had a payoff amount for the phone I had at the time of about {$190.00}. Rather than return the phone to XXXX I chose to payoff the device to use with the new provider. This dollar amount was verified multiple times, with XXXX  over the phone as well as on my acct app, to be correct. However, after closing my account they decided to charge me about {$900.00}. After speaking with multiple representatives they all refused to honor the original device payoff. Then after XXXX  collections harassing me for months, they called me and told me they were no longer going to pursue this due to them realizing/ finding the proper paperwork showing what I actually owed. Collection attempts stopped for over 2 years and now they are again trying to get the $ XXXX dollars and reflecting that to my credit report. During every interaction with XXXX and their debt collectors, I have offered to pay what I truly owed and was only offered to pay that amount as a settlement. I declined this as I do not want a settlement/ not paid in full acct on my credit report when that is not the case. 

Furthermore, I have reached out to the new debt collector, XXXX. XXXX, XXXX, who can not even locate any information saying I owe l anything which leaves me no avenue with the company falsely reporting to my credit report to even attempt to correct it with said company.

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 2022-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I locked my Capital One XXXX card. No recurring payments were made with the card during the lock. The card was not used for any purchases or payments during the lock. 
While the card was locked, Capital One charged the annual fee to the account in XX/XX/2022. No notice was given that the card now had a balance. No notice was given that the annual fee was applied to the account. Therefore, I was unaware of the charge. I did not pay off the balance or make any minimum payment. The annual fee then incurred a late payment fee, interest and, ultimately, a derogatory 30-day late payment mark on my credit score. But for the significant drop in my credit score, I would never had known the Capital One card carried a balance.

I contacted Capital One by email and requested a removal of the derogatory credit mark for the late payment of the annual fee. I received a call back from XXXX ( XXXX ), who told me that my request to have the derogatory mark removed was denied. XXXX would not respond to my email or confirm the denial in writing. XXXX refused my request for the audio recording of our call.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
This relates to complaint XXXX for CRM creditors attempting to collect a debt on behalf of XXXX XXXX starting their collection on XX/XX/2022 taking 59 days to respond only to defer me to XXXX XXXX who never contacted me nor had anything to do with me until today XX/XX/2022. 

The first complaint is that their verification letter cites a XXXX XXXX who never saw me nor was I admitted under or discharged by anyone. The nurses kicked me out as I had to protest against their attempt to Baker Act me despite being cleared earlier by a psychologist still having an hour long video including the police response to catching them lying about me seeing the psychologist. They never properly discharged me or notified me of any debt until months after when CRM sent a final notice as their only notice to me. 

I then went to verify this as it was perposterous I was always sent a letter from XXXX XXXX XXXXXXXX. After 59 days I was told to send my insurance to XXXX XXXX who I do not know and have no information about. I require everything in writting as I do not do well on the phone and XXXX XXXX appears to have no company information online outside of their multiple addresses. The verification letter claims they operate out of XXXX but according to all online sources I've seen that is not true as they only operate out of " XXXX XXXX XXXX XXXX XXXX is a XXXX XXXX that has only one practice medical office located in XXXX XXXX FL '' I do not know how they managed to get any and all of this information without it being illegally traded as I was never properly discharged.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-20 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX Consumer XXXX Co has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A. States that I have a right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : States that a Consumer Reporting Agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-20 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 XXXX  Account # XXXX Consumer XXXX Co has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A. States that I have a right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : States that a Consumer Reporting Agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: NY

Complaint narrative:
This is a formal complaint sent to you requesting for your assistance to reach out to the Credit Agencies in connection to my previous written letters which I have sent through certified mail about XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX. I have not heard any feedback or response from any of the credit agencies with regards to my request of removing this fraudulent account from by credit report. The said issue with this account has been addressed multiple times but no one have ever responded. I have been doing my research in connection to this and I found out that the Fair Debt Collection Practices Act and Regulation F requires that all credit agency should notify the consumer in specific forms of communication prior to reporting. Also, the Fair Credit Reporting Act requires that the credit agencies should provide a 100 % accuracy in all of the information. Considering these two laws, the credit agencies failed to observe both requirements.

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 2022-07-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX there were XXXX XXXX transfers from my Bank of America checking account to a " XXXX, XXXX '' totaling {$3500.00}. I have only used XXXX XXXX other time EVER to send a small amount of money to my granddaughter in XX/XX/XXXX and never requested nor approved these other transfers. Bank of America is saying these are legitimate but I don't see how that is possible.

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 2022-07-20 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: AZ

Complaint narrative:
The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Date Updated : XX/XX/XXXXXXXX XXXX : XXXX Date Updated : XX/XX/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 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 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 non-monetary relief
Consumer complaint received 2022-07-20 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: TX

Complaint narrative:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. PLEASE DELETE THIS 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 2022-07-20 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 Reporting act XXXX XXXX name- XXXX XXXXXXXX, Account # XXXX has violated my right. 

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. its also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I have asked this company several times to verify my debt showing my signature where this debt belongs to me. I have requested hard copies to be mailed to me and have even disputed online. They are not complying which is illegal. I know my rights and if they can not verify this debt they must delete this off my credit report as it is causing my reputation to be tarnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: AZ

Complaint narrative:
The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Updated : XX/XX/XXXX XXXX Date Updated : XX/XX/XXXXXXXX XXXX XXXX  Date Updated : XX/XX/XXXX INQUIRIES : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
I looked at my credit report and saw an account that was not mine. I disputed this, but it remains on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-20 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: DE

Complaint narrative:
I contacted Equifax credit bureau on XX/XX/XXXX, XXXX and the XXXX to request that a mortgage account, XXXX XXXX that has a XXXX balance and the last activity on the account was on XX/XX/2007, more than 10 years ago to be deleted from my credit report. They placed it into dispute multiple times. Sometimes for the incorrect reason by speaking to a representative. However, they keep resolving my dispute without deleting this account from my credit report. They can't keep an account on my credit report for more than 10 years but that's exactly what they are doing. I want this account removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: NY

Complaint narrative:
My recent report is showing the same account from XXXX XXXX XXXX which is concerning me since I have been disputing this account for multiple times. This XXXX XXXX account was opened without my knowledge and authorization. Thus, I consider this account to be fraud. I have sent multiple written requests to the Credit Bureaus but up until today, I have not received any response from them. Due to their incompetence, I am seeking help from you to help me reach out to the Credit Bureaus and have them remove this account from my Credit Report. There actions have been affecting my credibility as a credit holder.

Company response to consumer: Closed with explanation