vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-21 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: CA

Complaint narrative:
While checking my most recent report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX XXXX XX/XX/2021 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This violation of the XXXX XXXX XXXX XXXX Section XXXXb ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and prove me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note you have XXXX days to complete this investigation, as per the Fair Credit Reporting Act section XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Century Credit & Collections, LLC
State: CA

Complaint narrative:
The agency and XXXX XXXX has repeatedly spoof called my phone and my work phones. She does not identify herself as a bill collector or that the call is being recorded. She also does not mention that this is to collect a debt but rather first asks if shes speaking with me by name. 

She will also leave harassing voicemails on all phones, and in the last conversation was very harassing, unprofessional, and automatically reset the debt date.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
A few years ago I got in contact with TransUnion by phone in order to report and remove a previous address I had on file with them. My other XXXX credit reporting agencies did automatically remove this information but TransUnion has not removed it and it has been there for years. I have never lived in that previous address that is still being reported with them and this is incorrect.

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 2021-11-21 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: CA

Complaint narrative:
While checking my most recent report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX  XX/XX/2021 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This violation of the XXXX XXXX XXXX XXXX Section XXXXb ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and prove me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note you have XXXX  days to complete this investigation, as per the Fair Credit Reporting Act section XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Of my XXXX credit reports, there is a difference of 35+ points lower with transUnion than the the other XXXX credit scores. 

After a 40+ point drop, a couple of years ago, I never really recovered. By the way, the drop was similar to the drop in the other XXXX that I have since recovered. 

The records are similar and therefore should not have such a wide discrepancy.

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 2021-11-21 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: CA

Complaint narrative:
While checking my most recent report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XX/XX/2021 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This violation of the XXXX XXXX XXXX XXXX Section XXXXb ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and prove me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note you have XXXX days to complete this investigation, as per the Fair Credit Reporting Act section 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 2021-11-21 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: CA

Complaint narrative:
While checking my most recent report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX XX/XX/2021 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This violation of the XXXX XXXX XXXX XXXX Section XXXXb ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and prove me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note you have XXXX days to complete this investigation, as per the Fair Credit Reporting Act section 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 2021-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
i have teached out to Equifax plenty of times in regard to my birthdate being incorrect and they still continue to report it as such. i have sent my identification card as well as sent XXXX disputes with no moving forward with them. this is affecting me as a consumer and is hindering my consumer profile with this agency. my birthdate is XX/XX/XXXX not in XXXX and i have sent them documentation to verify this and they have responded and failed to correct such information. they are knowing and willing furnishing incorrect information about me. this has hindered me o collect my reports from specific mediums and i have been denied the opportunity to extend my credit due to their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21 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: CA

Complaint narrative:
While checking my most recent report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XX/XX/2021 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This violation of the XXXX XXXX XXXX XXXX Section XXXXb ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and prove me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note you have XXXX  days to complete this investigation, as per the Fair Credit Reporting Act section 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 2021-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: KS

Complaint narrative:
Today, XX/XX/21, starting at XXXX XXXX I have received XXXX calls from XXXX. I am paying my bill Wednesday but they continue to call

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
Opened the XXXX XXXX XXXX credit card and made a purchase in the amount of XXXX on XX/XX/2021. There was a 20 % rewards points going on at this time. Unfortunately the item purchased was out of stock so only the deposit was charged on the credit card at that time. The deposit received the full 20 % rewards but when the item was delivered and the balance charged, only 10 % rewards were provided. Called Synchorony on XXXX and they referred me to XXXX XXXX XXXX. XXXX XXXX XXXX  said they filled out an internal form to receive the full promotional 20 % rewards and there was no action needed from me and no confirmation number but they left notes on the account. Need full 20 % rewards on {$1600.00} in the amount of {$160.00}. This has not been done as of this complaint submission. This is unfair as the items availability was outside of my control and my purchase decision was made under the marketing promotion that I would receive 20 % rewards for my purchase but I did not.

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 2021-11-21 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: TN

Complaint narrative:
This complaint is about fraudulent accounts reporting on my credit report. I've disputed a XXXX XXXX account that was open from fraud multiple times and the credit bureaus are continuing to report it. I've done EVERYTHING they've asked. Filed a FTC report and everything and they refuse to remove it. IT IS NOT MY ACCOUNT AND IT NEVWER BELONGED TO ME. REMOVE IT AT ONCE IT'S FRAUD.

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 2021-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
As notated on my credit report, Bank of America at XXXX XXXX XXXX, XXXX XXXX TX, XXXX reported a high due balance of {$5700.00}. The issue with Bank of America has already been previously resolved. The company has already dismissed the case against XXXX XXXX by their own initiative on XX/XX/2018.

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 2021-11-21 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: TN

Complaint narrative:
This complaint is about fraudulent accounts reporting on my credit report. I've disputed a XXXX XXXX account that was open from fraud multiple times and the credit bureaus are continuing to report it. I've done EVERYTHING they've asked. Filed a FTC report and everything and they refuse to remove it. IT IS NOT MY ACCOUNT AND IT NEVWER BELONGED TO ME. REMOVE IT AT ONCE IT'S FRAUD.

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 2021-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery Associates, LLC is claiming that I owe on XXXX seperate debts : Account # XXXX in the amount of {$650.00} as of XX/XX/XXXX Account # XXXX in the amount of {$1900.00} as of XX/XX/XXXX When asked on XX/XX/XXXX and XX/XX/XXXX via certified mail, they failed to fill in the date portion to when they actually received my letters denying my right to time stamp them. I asked if they could verify that I in fact owe on these debts and they failed to provide a copy of any alleged contract or other instrument bearing my signature stating that I signed for such accounts. They responded by sending a printout of a bill. 

As per FTC opinion letter from Attorney XXXX XXXX XXXX states that a printout of a bill or itemized document does not constitute verification ( FDCPA Section 809 ( b ) FTC opinion letter XXXX from XXXX ). 

When asked that they dispute these account with the credit bureaus they failed to do so which violated my protection under the FDCPA section 807 ( 8 ) I believe this is a corrupt company trying to deceive me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
As notated on my credit report, XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX TX, XXXX reported a high due balance of {$5700.00}. The issue with XXXX XXXX  XXXX has already been previously resolved. The company has already dismissed the case against XXXX XXXX by their own initiative on XX/XX/2018.

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 2021-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
As notated on my credit report, XXXX XXXX  XXXX at XXXX XXXX XXXX, XXXX XXXX TX, XXXX reported a high due balance of {$5700.00}. The issue with XXXX XXXX XXXXXXXX has already been previously resolved. The company has already dismissed the case against XXXX XXXX by their own initiative on XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
FedLoan Servicing continues to list XX/XX/2015 student loan payments as Eligible for forgiveness under XXXX XXXX XXXX XXXX ( PSLF ) program. However, the company has failed to complete the required XXXX XXXX in order to qualify these payments regardless of the numerous requests and complaint that I have made or the verification information I have submitted multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
On XXXX XXXX,2019, a loan was reported on my consumer report in the amount of {$21000.00} However due to this I did my due diligence and began an investigation, it has been brought to my attention that I have been swindle. I suspect that my identity may have been stolen and that a possible crime has been committed by your corporation ( ALLY BANK ). 

Pursuant to 15 USC 1692c ( c )

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 2021-11-21 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: MI

Complaint narrative:
I have been fighting with Fortiva credit card company. I lost my job when covid hit back almost XXXX years ago. The fees and interest that they continued to charge when I reported our financial hardship to them. The card balance is double of what it was when I lost my income. We went from XXXX incomes to XXXX when the covid pandemic started. 
I refuse to pay all their late fees, interest and other fees. They can take the balance back to where it was when the last purchase was. 
They refuse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Contacted PORTFOLIO RECOVERY, regarding XXXX collection accounts that are not mine. They can not prove to me that they are mine. I just get rude people telling me to pay then they will refund it they are wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have asked Experian to correct their inaccurate reporting on my credit report. They are reporting a balance on a charged of account for a creditor named XXXX XXXX XXXX, this was a credit card debt from 2014. The tradeline in outdated and out of the statute of limitations. XXXX and XXXX are reporting this tradeline correctly I have also asked Experian to correct their inaccurate reporting on my credit report. They are reporting a balance on a charged of account for a creditor named XXXX XXXX XXXX XXXX, Auto loan from 2014. The tradeline in outdated and out of the statute of limitations. XXXX and XXXX are reporting this tradeline correctly

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 2021-11-21 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
on XX/XX/XXXX i sent a letter of validation to navy federal credit union. i have not received proof of validation as of yet. They also accessed my consumer report without written or verbal consent. under 15 us code 1681 the consumer has a right to privacy. i have also received multiple letters from them with name and logo on mailing envelope. this is violation of 15 us code 1692f. 15 us code 1635 was not disclosed to me either this is also violation of federal law. 15 usc 1605a was not disclosed to me. Nav federal is attemping to collect an alleged debt illegaly via XXXXXXXX XXXX. article 1 section 10 states debt can only be paid with silver or gold. i truly feel like im be taken advantage of. If this alleged debt is not stated paid in full immediately. i will file litigation due to XXXX and unlawful use of my consumer report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
I send XXXX  token from XXXX ti coinbase buy not arrived, there are XXXX of people that felt in this error because isnt clear that u cant send the token from XXXX to coinbase. 
We are in XXXX of people that have XXXX of this token stopped in limbo. 
Please help us

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Contacted XXXX XXXX regarding XXXX collection accounts that are not mine. They can not prove to me that they are mine. I just get rude people telling me to pay then they will refund it they are wrong.

Company response to consumer: Closed with explanation