vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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 non-monetary relief
Consumer complaint received 2023-04-10 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: CITIZENS FINANCIAL GROUP, INC.
State: GA

Complaint narrative:
Date of Inquiry ; XX/XX/2021 Company : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RI XXXX Request Originator is fraudulent activity and I have already contacted all 3 credit bureaus and reported this fraudulent activity that was not authorized by me or attached to any open account. I am contacting you guys to have this fraudulent inquiry removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
This debt is about two years old ; Navy Federal has given the debt to another company, XXXX XXXX XXXX XXXX XXXX XXXX took a payment from me, saying they could settle the debt. Navy Federal refused and said they wanted the total amount ; when I asked for proof of said debt, I was given the runaround, and mind you, I have two obligations with Navy Federal, and they will provide nothing. XXXX XXXX XXXX reached out about two weeks ago, saying Navy Federal agreed to the settlement. I contacted Navy Federal, and one rep stated, No, we do not agree and will not settle. The other said, We agreed to the settlement but didn't know the terms. she put me on hold and transferred me to another lady who said the same but gave the amount of XXXX. Navy Federal took money out of my bank account and honored some of the refunds I disputed. Navy Federal went on to close a credit card with a deposit of XXXX  and has all but refused to explain where that money went. They have already sued me and continue to cause emotional stress, at this point nobody is on the same page and we have mediation tomorrow.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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: OH

Complaint narrative:
i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, XXXX and Equifax through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Credit Management , Inc. has repeatedly harassed and attempted to collect a debt in the amount which has never been verified or proven with documentation that the debt is in fact legitimate. This company and its affiliates have been proven to use illegal tactics in the past. Midland Credit acquired this debt from XXXX XXXX  and has been adding compound interest. This debt was originally under a XXXX dollars and is well over 7 years old.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-10 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: AMERICAN EXPRESS COMPANY
State: KY

Complaint narrative:
They cancelled by card without my permission. Hung up the phone on me. Supervisor refused to speak to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
After Several attempts to work with Chase Bank regarding inaccurate charges on my account they are refusing to remove late payments from credit report, although the account was closed before the charges took effect. I have paid whatever debt they claimed I owed and as a very loyal customer asked them to remove the late payments as the account has never been late and at the time of these " ALLEGED '' charges the account was closed. I have contacted Chase and the credit bureaus several times regarding this matter with no success. At this time I am fed up and would like to exercise my rights to involve the attorney general and notify you all of these shady practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PlusFour, Inc
State: NV

Complaint narrative:
This is a follow up to complaint XXXX - PlusFour ( which they incorrectly closed ) and XXXX - XXXX XXXX which is still open. Both parties finally provided me information regarding the basis for their claim. It is now however obvious that this is a medical billing error on the part of XXXX XXXX. I have send a certified letter ( my third ) to both XXXX and XXXX XXXX showing that ( 1 ) I had continuous health insurance coverage in XXXX and ( 2 ) they incorrectly billed the wrong XXXX XXXX . I also demanded for the second time via certified letter that that PlusFour and XXXX XXXX IMMEDIATELY REMOVE the incorrect MAJOR DEROGATORY with all credit agencies that they have put on my credit history! Additionally, I suggest that they rebill as the services XXXX XXXX provided ( i.e., my annual female check up exam ) are covered by my insurance and if they had billed correctly I would not be dealing with this issue I am uploading the most recent certified letter where I have now documented ( from their records! ) they have a billing error and that I had insurance coverage during this period of time. This is my third certified letter and one phone call that I have had to invest time in order to identify they have a billing error. I am not uploading the attachments to my last certified letter of XX/XX/XXXX as the file is too large. I am uploading only the cover letter. At the end of the second page of the cover letter I have included the time line of my efforts to identify and correct this issue.

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 2023-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Delete fraud alerts off of my credit XXXX : XXXX XXXX # EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXXXXXX 

XXXX : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.

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 2023-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Consumer Counseling Centers LLC
State: FL

Complaint narrative:
I am in the DO NOT CALL LIST. 
The company CONSUMER COUNSELORS is calling me at least 10 times a day. 
It is a recorded message. 
I don't need and I don't want this service. 
I had waited until a human takes the phone and explained several times that I don ; t want their services. I also informed that I am in the do not call list and that I am going to report them. 

Also, I receive daily calls from XXXX XXXX, telephone XXXX XXXX XXXX. 

I want to STOP RECEIVING CALLS FROM these 2 companies, please. 

I want to report those 2 numbers. 

Thank you, 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 2023-04-10 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: OH

Complaint narrative:
i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact transUnion, XXXX and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation

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 2023-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: MD

Complaint narrative:
Fortiva Credit Card has assessed me over {$500.00} in late fees since XX/XX/XXXX to XX/XX/XXXX. The late fees are {$41.00} per month, although I have made payments on time. I have been late on two occasions, but NOT a week or more late. The majority ( if not all ) of the payments have been at the beginning of the month where the due date is the XXXX of each month. I'm being told if my payment is one day past the due date or early, I will get assessed a late fee. 

Fortiva Chat has said : XXXX XXXX I see that your statement is only generated on 2nd of every month. Since the payment was received before the statement date, it will only be considered as an additional payment and will be adjusted towards your account balance. This will not impact your minimum payment. 

XXXX XXXX  I see that late fee of {$41.00} assessed on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc.
State: TN

Complaint narrative:
I made a visit to XXXX XXXX XXXX center for XXXX related issues in XXXX of XXXX. My primary insurance paid the amount, and there was a balance remaining of {$1200.00} to be paid by my secondary insurance XXXX XXXX XXXX When the primary insurance paid, XXXX XXXX XXXX center reached out saying I had a balance, and to either pay it, or ensure they had all insurance payors listed. We had noticed that my secondary was not added, I gave them the information and it was added. Numerous times I'd receive letters in the mail saying that the debt is still owed, and that the debt is now outstanding, etc. Each and every time I would call XXXX XXXX XXXX XXXX, and they would ensure me that the secondary insurance is processing and to ignore the demand letters. All of a sudden the debt was transferred to collections. I call them back and asked why they told me to wait for insurance to process and then sent it to collections, they had no response other than the person I spoke to gave me incorrect information, they have notes of each and every phone call I made to them, but refuse to admit guilt as they already transferred the debt. I would have paid the debt, a small amount, in comparison to damaging my credit report, but I was INSTRUCTED to wait by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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: MO

Complaint narrative:
After Several attempts to work with XXXX XXXX  regarding inaccurate charges on my account they are refusing to remove late payments from credit report, although the account was closed before the charges took effect. I have paid whatever debt they claimed I owed and as a very loyal customer asked them to remove the late payments as the account has never been late and at the time of these " ALLEGED '' charges the account was closed. I have contacted XXXX and the credit bureaus several times regarding this matter with no success. At this time I am fed up and would like to exercise my rights to involve the attorney general and notify you all of these shady practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Global Lending Services LLC
State: IN

Complaint narrative:
Account name : Global Lending Services Account number : XXXX Date opened : XX/XX/2022 Original balance : {$33000.00} Balance : {$36000.00} Responsibility : Joint with XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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:
XXXX reported late payments on equifax credit report which were inaccurate in XX/XX/2022 and XX/XX/2022. Spoke with XXXX rep and was told that payments would be removed once account was up to date. This never happened and payments were continuously reported late which cause credit score to plummet. 

According to the Fair Credit Reporting Act 15 USC 1681 sec 602, 604 I never gave XXXX permission to report this account on my credit report. The late payments were suppose to be removed, and my right to privacy has been violated. Please remove all late payments immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: ME

Complaint narrative:
I called and canceled all my insurance at XXXX in XXXX of XXXX  because I had gotten new insurance. Then I saw a collection show up on my credit report I was forced to pay by ccs collections or have it ruin my credit. I called XXXX today XXXX to verify that I had canceled the policy back in XXXX and he said I see that you called in to cancelled your policy. acct number 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 2023-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I previously disputed this account and Experian has not been able to verify this account on multiple occasions. Instead of deleting the account because I have no knowledge of the account and it doesn't belong to me, Experian listed the account as " Unable to locate the individual '' This doesn't make sense. If your " Unable to locate the rightfully individual owner of the account, why is it listed on " My Account '' this is FRAUD because you are knowingly and wrongfully placing an account on someone you know is not the owner. 
Account Name-XXXX  XXXXXXXX XXXX Acct 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 2023-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
On XX/XX/2023 I sent a letter request company to provide information for the attempted collection on my credit reports, in regards to the letter they sent me saying I owe LVNV Funding Solutions LLC & RESURGENT CAPITAL SERVICES, 2 collection Companies displayed on all 3 of my credit reports for the SAME accounts. The entities ignored my request and placed collections on my credit reports without validation. 
These entities did not provide information as required. I.e by disputing this debt and exercising my rights under UCC 1-308.

Under UCC 1-308, I reserve my right to not be compelled to perform under any contract or agreement that I did not knowingly, voluntarily, and intentionally enter into. I also reserve my right to assert any and all affirmative defenses and counterclaims that may be available to me under applicable law. 
Company placed different information on all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX has repeatedly harassed and attempted to collect a debt in the amount which has never been verified or proven with documentation that the debt is in fact legitimate. This company and its affiliates have been proven to use illegal tactics in the past. XXXX XXXX acquired this debt from Synchrony Bank and has been adding compound interest. This debt was originally under a XXXX dollars and is well over 7  years old.

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 2023-04-10 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: IN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name.

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 2023-04-10 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: GA

Complaint narrative:
Date of Fraudulent inquiry : XX/XX/2021, Company : XXXX XXXX XXXX Company address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Request Originator is fraudulent activity and I have already contacted all 3 credit bureaus & XXXX XXXX XXXX and reported this fraudulent activity that was not authorized by me or attached to any open account. I am contacting you guys to have this fraudulent inquiry removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-10 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: AZ

Complaint narrative:
I am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of Identity theft and I did not make the charge. I asked that the items be deleted to correct my credit report. I reported the theft of my Identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade commissions Identity Theft affidavit. Please delete the items as 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 2023-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
American Express debt collectors spoof numbers from my recent phone calls. I answer the call because it looked like it came from my friend that I have just spoken with. When I answer, I am directed to a phone dialing XXXX. 
I know I owe AMEX ; however, how can the debt collectors spoof the numbers of my friends to get me to answer the call? 
Is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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