vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-04 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: GA

Complaint narrative:
On XX/XX/2022, I reached out to XXXX to dispute some fraudulent active on my credit report. There are XXXX hard inquiries on my report that I did not authorize and I have a fraud alert on my account. I explained to the representative that I am in a XXXX XXXX Bankruptcy that was filed on XX/XX/2022. I have not inquired for no new credit. The representative stated that if it is on my report then their 's nothing that can be done about the hard inquiries. So I asked even when I have a fraud alert on my account their 's nothing that can be done. He stated no. I havent applied for any new credit. But everything I talk with either credit bureau I have to send them a copy of my driver 's license, social security card, and bank statement with my address. But someone can go apply for credit in my name online or in person and nothing can be done about it. It just goes on 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 2022-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: HireRight Solutions, Inc.
State: IL

Complaint narrative:
HIRE RIGHT XXXX, is allowing inaccurate, erroneous and false information to be reported about me and my employment history, on its platform, particularly from XXXX XXXX XXXX. I reached out to HIRE RIGHT XXXX multiple times to correct the information, but it refuses to thoroughly investigate the matter, and correct the inaccurate, erroneous, false, and detrimental information it has on my employment / consumer report. Falsehoods about me, my ethics, reputation, employment history, etc. are on my consumer report, and this information is damaging to me as a professional, XXXX XXXX XXXX XXXX. 

I was employed by XXXX XXXX XXXX years ago and was wrongfully and abruptly terminated. When I filed for unemployment, XXXX appealed it. During our court hearing, XXXX, literally, told the Honorable Judge the same falsehoods it told HIRE RIGHT. However, the XXXX asked for XXXX to submit proof that all their claims were true. XXXX, literally, couldn't provide the proof for any of its claims because they weren't true. The Judge ruled and said that " ... the employee may have been terminated, but it wasn't for the reasons stated ... '' HIRE RIGHT XXXX is refusing to correct the information in its database, properly and thoroughly investigate the matter, or uphold Federal Law as a Furnisher. HIRE RIGHT claimed that XXXX XXXX verified these falsehoods with " proof, '' but is refusing to provide this " proof '' to me, including, but not limited to, emails, records, etc., HIRE RIGHT isn't upholding Federal Law regarding its reporting on my consumer / employment report ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmerAssist A/R Solutions, Inc.
State: FL

Complaint narrative:
Signed up for aligners with XXXX XXXX XXXX, after one month my dentist advised my to cancel and return them due to dental procedure that needed to be done. I paid {$320.00} and cancelled my order. XXXX XXXX XXXX  stated once the aligners are received in there warehouse order would be completely cancelled. Later, I receive bill from AMERASSIST AR SOLUTIONS on behalf this account that was cancelled. I contacted XXXX XXXX XXXX informing them of the situation and they request my tracking number of the package they thought wasnt received and found it. they prompted AMERASSIST that the account is current and not owed. AMERASSIST til this day harasses me for payment of something they have a canceled order for. 

-This company has violated my rights from even try to even settle this account that is actually canceled and they refused to. 
-Threaten to seize property from me.

-I spoke to an employee and they said send the receipt to operations and they'll cancel it. the employee sheena ( I wont put her full name ) disregards the canceled order and is still ordering me to pay.

-I requested this company to verify the debt they dont want to.

-I requested the company stop contacting me they disregard.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company 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 2022-07-04 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:
There was no written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt, according to the FCRA ( credit bureaus and the court system has violated my rights as a consumer and I'm requesting legal action to remove this account immediately. 

In accordance with the Fair Credit Reporting Act XXXX account # XXXX and XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states i have the right to privacy.

15 U.S.C I681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction.

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 2022-07-04 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: CT

Complaint narrative:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/XXXX, with follow ups disputes on XX/XX/XXXX, XX/XX/XXXX and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies informations. Please see attached and help to resolve this matter soon as 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 explanation
Consumer complaint received 2022-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I received a text message from a random number that was not from my bank saying that my debit card has been blocked due to unusual activities. The number that texted me 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 explanation
Consumer complaint received 2022-07-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
to whom it may concern, the following account was charged off. LVNV FUNDING LLC Original creditor XXXX XXXX XXXX XXXX. this account is still being reported on my credit report as open. this is a misrepresentation of my credit obligations and is causing monetary damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I was recently in search of a higher limit credit card to utilize for work expense pass-through. I spoke with a banker at my local JP Morgan Chase branch where I have banked for over a decade and as I had repaired a lot of debt and credit problems from COVID-19 and my score had improved, he recommended that I apply for a Chase Freedom or Chase XXXX  card through the bank. Per my assets and prequalification he didn't see any issue with me getting the Chase Freedom card, so we opted for that. He also made it clear that applying through the branch would accelerate the application process and offer me additional rewards and benefits that would not be offered online. He would also be able to assist if there were any problems. 

We went through with the application. I was declined. He called the corporate reconsideration line from his Chase Private Client office and soon handed the phone to me.

Over the next half-hour I was interrogated by an agent in the " reconsideration department '' who apparently had pulled, without my consent ( I had read the fine print ), additional consumer reports on me and additional credit reports aside their primary provider ( XXXX ), again without my consent. 

What I came to find was that because I was party to a bankruptcy preceding in the late XXXX ( it cleared my record years ago ) that involved a Washington Mutual Credit Card branded " WAMU '' of which was eventually purchased by JP Morgan Chase, I was automatically out of consideration for any chase services other than checking and savings accounts and that the card should had never been offered to me. 

So, here I am with several hard credit pulls and consumer report pulls against me when I was never even considerable because of an event during a world-wide recession that happened well over a decade ago, overall resulting in hurting my credit overall. None of these elements were ever disclosed to me until I pressed for more information and was alerted to additional hard pulls to my credit report. 

I have contacted the bank branch, JP Morgan Chase corporate and the credit bureaus for consideration that this matter be resolved. The service offering was fraudulent due to them easily being able to see in the system that I was already flagged to not be offered credit or loan-related services. 

I have not heard back from any party in well over 30 days. 

Attaching correspondences to this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX Account XXXX XXXX, 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 2022-07-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: McCarthy & Holthus, LLP
State: NM

Complaint narrative:
ThiS attorney, XXXX XXXX has used an out of state servicer that mails letters to address that does not correspond to the last address of record of XXXX XXXX and XXXX XXXX so that he confuses the judge Being an officer of the court, using this tactics to advance his quest to get paid legal fees using deceit should be extinguished to avoid rings of confusion that end up hurting people who do not know anything about this debt incurred by a thrid party illegally. 

My address has been used ilicitly by XXXX XXXX XXXX, as authorized signer for ID solutions at request of the attorney who wants to lie to the court using this. ompany by thelling them that XXXX XXXX lives at XXXX XXXX XXXX XXXX XXXX NM XXXX where in reality this person has NOT LIVED IN THIS ADDRESS FOR THE LAST 13 YEARS so this is LYING TO THE COURT BY A COURT OFFICER WHO USES THIS OUTFIT CALLED OD solutions to ROB MY IDENTITY AND THAT OF MY MOTHER MY MOTHER IS XXXX XXXX MARRIED TO DECESED MILITARY OFFICER XXXX XXXX, A WIDOW. SHE HAS NOTHING TO DO WITH XXXX XXXX, AN XXXX  FROM XXXX WHO HAS NOT ANSWERED OR PAID THIS ATTORNEY FOR HIS FEES. 

I DID NOT HIRE HIM PLEASECEASE AND DESIST OR SHOW A CONTRACT BETWEN YOU AND I FOR YOUR LEGAL FEES. 

YOU SHOULD BE ASHAMED TO LIE TO THE JUDGE YOU SERVED THE XXXX XXXX AND XXXX XXXX AT MY HOUSE YOU OULD NOT HAVE I LIVED THERE FOR THE LAST DECADE THEY HAVE NOT!!!! 
this company that was hired by this attorney to confuse the judge, this is a crime, and shold be investigated and punished. An attorney should know better. 

Please stop harassing me legally for bills incurred by you from your client that has nothing to do with me. Leave my family alone you have harsased us for a second mortggage that was obtained by a third person we d onot know anything about and you have harasssed us legally for over a decade The debtors did not pay you for that debt. You well know the address of the XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
AS OF TODAY IT IS 4 MONTHS SINCE A COMPANY GOT A BONUS OF XXXX OUT OF MY DEBIT CARD FOR A SERVICE/ CAR I DO NOT HAVE ANY POSSESSION OF AND NEVER WILL. PNC HAS DUG A HOLE AND IS NOT FOLLOWING THROUGH AND COLLECTING THE MONEY THAT IS OWED. 
IVE BEEN STUCK WITHOUT GAS DRVING XXXX TO XXXX. STUCK WITHOUT FOOD, AND MOST LATELY STUCK WITHOUT A CAR SINCE THEY ARE THE SLOWEST AND MOST IMPOSSIBLE BANK TO GET TO FOLLOW THEIR OWN POLICYS THEY OWE ME {$680.00} FOR A MYSTERY WITHDRAW THEY CAN NOT SHOW WAS DONE BY ME BUT MORE OR LESS THE BANK STOLE FROM MY ACCOUNT ENDING IN XXXX. ITS QUITE EASY TO SEE IT TRANSFERS TO ONE AND THEN NO WHERE ..... 

THEY ARE OWING ME XXXX FOR THE PRIVIOUSLY ISSUE AS WELLL TOTAL XXXX ATTACHED THE PROOF OF DEBT YOU OWE ME PERSONALLY AND THE 21 PAGES I HAD TO FAX SEVERAL TIMES FOR OTHER DEBT

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-04 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: NJ

Complaint narrative:
PLEASE UNDERSTAND THAT I AM THE ONLY PERSON WRITING THIS STATEMENT.I swear all information provided herein under the penalty of perjury is true and accurate to the best of my ability and knowledge. I DID NOT AUTHORIZED NOR CONSENT TO THE FOLLOWING INQUIRIES BEING FURNISHED ON MY CONSUMER REPORT. PLEASE SEE ATTCAHED DOCUMENTS.

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 2022-07-04 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: CT

Complaint narrative:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/XXXX, with follow ups disputes on XX/XX/XXXX, XX/XX/XXXX and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies informations. Please see attached and help to resolve this matter soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-04 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
My bank and credit cards were stolen, whilst staying at an XXXX XXXX. I reported what happened to my Capital One Credit Card and supplied them with the police report, the court records, the XXXX XXXX investigation, including my correspondence with them, and my XXXX Bank Statement, including the outcome of their investigation. 

Capital One stated that it was not enough information, even though the court records and police reports states that the suspect confessed to stealing my bank & credit cards, and using them without my permission. Capital One when one to further state, that I am liable for those fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 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:
There was no written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt, according to the FCRA ( credit bureaus and the court system has violated my rights as a consumer and I'm requesting legal action to remove this account immediately. 

In accordance with the Fair Credit Reporting Act XXXX account # XXXX and XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states i have the right to privacy.

15 U.S.C I681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 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:
There was no written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt, according to the FCRA ( credit bureaus and the court system has violated my rights as a consumer and I'm requesting legal action to remove this account immediately. 

In accordance with the Fair Credit Reporting Act XXXX account # XXXX and XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states i have the right to privacy.

15 U.S.C I681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction.

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 2022-07-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
to whom it may concern, the following account was charged off. XXXX XXXX XXXX Original creditor SYNCHRONY BANK CARE CREDIT. this account is still being reported on my credit report as open. this is a misrepresentation of my credit obligations and is causing monetary damages.

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 2022-07-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Capital Link Management, LLC
State: IN

Complaint narrative:
On XX/XX/2022 the debt collector - Capital Link Management on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX contacted both my parents ( XXXX & XXXX ) and XXXX of my siblings also - via text message disclosing a debt that I had that had been referred to collections. In the text- they disclosed the amount of the debt {$680.00} an offer for settlement of the debt {$230.00}. In addition- they disclosed that if the debt was not settled it would be be transferred to the Pre Legal Collections Team. The included the number XXXX. 

I also received the same text message and did subsequently settle with the debt collector. 

It is my understanding that it is illegal for the debt collector to contact my family and disclose the amount of the debt and the information that they did disclose to them. I have the text messages that were sent and can provide if requested. I would like this company fined and whatever restitution that I am owed be paid to me. This was something that should have never been disclosed to my parents and or siblings. I am XXXX y/o and not a minor. 

If you need the phone numbers that these texts were received- please let me know and I will provide to you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation