vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: AL

Complaint narrative:
I have never received any notification regarding this alleged debt they say I owe. I check my credit and a collection account appears on my credit file. I have sent a validation notice, yet I have not since received any responses with their method of validation or any validation at all. Please explain how you're reporting this account as meeting FCRA guidelines? The letter sent is attached requesting validation and If you can not provide me with this information, then please delete this account from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-30 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: ERC
State: PA

Complaint narrative:
i sent a letter on XX/XX/ to XXXX XXXX however its been more than 30 days and the credit bureaus failed to send my investigation back this is not making any sense. 
according to the law 15 U.S.code 1681 i procedure in case of disputed accuracy in the completeness of accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the the consumer and the consumer notifies the agency directly or indirectly through a reseller of such dispute, the agency shal, free of charge conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ) before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller 15 usc 1681 s-2 15 usc 1692c 15 usc 1681i

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have a few inquiries on my report from unknown companies. Please remove these from my credit report. 

1. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XXXX  Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX Date of inquiry : XXXX  Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX XXXXXXXX Date of inquiry : XXXX  Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XXXX  Please remove it from my credit report. 

5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/ Please remove it from my credit report XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/ Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX  Date of inquiry : XXXX  Please remove it from 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 2022-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
n accordance with the Fair Credit Reporting act AD ASTRA RECOVERY SERVICES Acct # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Allgate Financial, LLC
State: MD

Complaint narrative:
I attempted to inquire about my rights under the FDCPA, as debt charged off to a debt collector could be construed as an unwarranted search or seizure ; the debt collector did not particularly identify what type of debt it was. 

The information I got was not helpful in resolving the debt.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc.
State: MS

Complaint narrative:
Online Information Services is now conducting fraudulent credit practices by updating information on my personal credit file without verification of data. Online Information Services has proceeded with fraudulent collection activities. They have added a collection on my credit file for XXXX, XXXX, and XXXX without validating the debt. I sent a letter to validate debt and hippa authorization. Online Information Services never sent back the information I requested. Letter was sent certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX ALLEGED AMOUNT OF DEBT : # {$2000.00} ( XXXX XXXX ) To Whom it may concern. 

I have received a copy of my consumer report and to my surprise I noticed that ( XXXX XXXX ) had been added back to my consumer report after being previously deleted on XX/XX/2022, Noticed reinsertion date XX/XX/2022, under the FCRA ( FAIR CREDIT REPORTING ACT ) SECTION 15 USC 1681i you can not reinsert inaccurate items back on my credit report without given me a 5day written notice of reinsertion. I HAVE RECEIVED NO SUCH NOTICE, AND DEMAND THESE ITEMS BE DELETED. 

This is a violation of my rights and is subject to {$1000.00} in damages or more. 
Please send me a copy of my consumer report upon deletion of this inaccurate account. 
I will CC the CFPB and the FTC, my Local Police department. 

Sincerely 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 2022-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I noticed a charge on my checking account and I disputed it with my bank. I tried to contact the company XXXX XXXX XXXX to reverse charge, but they only removed {$100.00}. I disputed the charge with my bank and they investigated and returned the funds to my bank account. I contacted the credit bureau, Equifax and they would not remove the collection charge from my credit file. I have fraudulent addresses that have been used, fraudulent accounts in my name, and incorrect social security number variations, former names. Nothing helps, this keeps happening to me. I am very frustrated that the credit bureaus continue to allow people to do soft credit inquiries and put incorrect items on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I sent the credit bureaus a letter on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX asking them to verify and investigate the items on my credit report and I was told everything was correct and my updated credit reports to still shows inaccuracy. The credit bureaus stated my account was properly investigated but how is that possible if its still not accurate. This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 section 604 A. It also States a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681s-2 ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I sent the credit bureaus a letter on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  asking them to verify and investigate the items on my credit report and I was told everything was correct and my updated credit reports to still shows inaccuracy. The credit bureaus stated my account was properly investigated but how is that possible if its still not accurate. This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 section 604 A. It also States a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681s-2 ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-12-30 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
i sent a letter on XX/XX/ to XXXX XXXX however its been more than 30 days and the credit bureaus failed to send my investigation back this is not making any sense. 
according to the law 15 U.S.code 1681 i procedure in case of disputed accuracy in the completeness of accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the the consumer and the consumer notifies the agency directly or indirectly through a reseller of such dispute, the agency shal, free of charge conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ) before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller 15 usc 1681 s-2 15 usc 1692c 15 usc 1681i

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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: TX

Complaint narrative:
Account Name : XXXX XXXX  Account Number : XXXX You are reporting inaccurate and incomplete information on my credit report for the account above. The notation of the late payment on this account is inaccurate. 
I request to be provided proof of this alleged item, specifically proof that this payment was in fact late. 

By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of this payment being late, please update my payment history to current and my status to paid as agreed and never late. 

I am also requesting the description of the procedure used to determine the accuracy and completeness of the information. I have read that this must be provided within 15 days of the completion of your reinvestigation.

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 2022-12-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I had a loan from Bank of America on XX/XX/2022 for a XXXX XXXX XXXX with XXXX XXXX. I paid off the loan within a few weeks by XX/XX/2022 but they sent me a title with a XXXX  still on it and never took their XXXX  off my title. Because I paid off my loan, I no longer have an account number nor any records of an account on their site. I have gone to a branch and been told I must call ( XXXX ) XXXX - XXXX to do anything with XXXX releases. My XXXX XXXX told me the same. I called the number and they would not even connect me to a representative without a valid account number. I tried entering my social security which is linked to my account and the automated service says no records found. I have been unable to sell my RV or move to a different state because of this XXXX and have been suffering financially even though I paid off my obligation to the bank over XXXX months ago.

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 2022-12-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: DE

Complaint narrative:
I had a XXXX XXXX XXXX XXXX they forced me to use Comenity bank. I never had late fees until Comenity. I contacted the post office and they said I mailed my payment check in plenty of time. Also I was promised by Comenity that I would see my cash back points on my second statement and there was nothing on the statement about my cash back. They have said my payment was late twice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
open checking account to help myself manage my personal expensed and small investments on coins. My last deposit of {$75000.00} was questioned me by agents of Capital One 360 checking account. 
then, I sent to a reputable company a wire of {$50000.00} to buy coins and it was returned, and got an e-mail saying that my account would be closed and the balance in this checking account {$73000.00}, would be mail to me within XXXX days ( I got this on an email notification on XX/XX/22. 
Never got the reason or reasons of why. Call them several times, and it has been a month, when I call the agent says that my account is under investigation, but never discuss what kind of investigation. 
XX/XX/22 is been a whole month about this issue, and up to today, Capital one 360 restrictions answers my call telling me that the investigation still on, but account is on restrictions and closed.??? 
where is my money {$73000.00}, if they closing the account since XX/XX/22???? 
what should I do next?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Knight Adjustment Bureau
State: UT

Complaint narrative:
I have reached out this Debt Collecting Company and fully paid this debt and they mentioned to remove it off of my credit profile and then didnt. 
I am in good standing with original creditor and account manger at the branch has also said they are willing to remove it and make a good will adjustment as collection has been fully paid but collection company has to authorize it This collection company is i reporting information to credit bureaus is affecting me negatively and has costed me lot of money. Along with that it has hurt my ability to obtain new accounts such as mortgage and has affected my credit rating and this account went to collections at no fault of my own. but due to a fraud situation i was taken advantage of. 

i want that this information be removed if so my credit report is accurately being reported to the credit bureaus. and doesn't hurt me to qualify for a mortgage as it affects my credit rating and doesn't accurately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Acct 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. 

Also according to 15 USC 1681i, TransUnion shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. They have have verified it as accurate according to their reinvestigation but yet have an account with no account number. Evidence provided below with violation

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 2022-12-30 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: TX

Complaint narrative:
Please see attached of negative items impacting my credit profile without my consent

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 2022-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Applied for XXXX XXXX XXXX. Application rejected they say due to Equifax report. Checked and my Score Very Good XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Pursuant to the FCRA, providing inaccurate financial information to credit reporting agencies is illegal. Therefore, EXPERIAN is now knowingly in violation of the FCRA and is not taking steps to correct that violation. they CONTUINE TO Violate MY PRIVACY ADN REPORT INCCAURATE INFORMATION ON MY CONSUMER REPORT I have attempted multiple times to have EXPERIAN reverse the erroneous delinquency filing and they have refused to do so on each occasion. They never sent me proof of validation and continue to report and share incorrect information defaming my charter and causing emotional stress

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 2022-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
I have called Capital One Credit card services XXXX separate times that I am not the one summiting credit card applications to them. However, the applications are still going through causing hard inquiries on my account. 
I would like the inquiries removed form my account. My wallet was stolen XXXX XX/XX/2022. There is a police report filed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
In XXXX and XXXX of 2022 I made two small purchases on a Penfed credit card. 

In XXXX Penfed removed my payment account from their system. Repeated attempts to add my bank account and make a payment failed. 

In XXXX Penfed customer service called requesting payment. They agreed that the problem was their fault, and removed some of the late fees and interest. I made a payment that the customer service representative stated would pay my balance in full. 

On XX/XX/XXXX Penfed customer service again contacted me saying that there was a balance on my account. They stated that some fees and interest had accrued on the day that I made my payment in XXXX. They again partially removed fees and interest. I made the second " final payment '' of {$24.00}. Penfed sent me a email with a letter stating that the complete balance had been paid. 

In XXXX I noticed that my account showed an additional balance of {$1.00}. I called customer service and they again stated that additional fees and interest had occured on the same debt that I had paid off, in full, twice. They are refusing to remove the latest balance, or close my account without the balance being paid. 

The original charges were for approximately {$15.00}. At this point I have paid them well over the principal amount, and they continue charging me for a debt that I have attempted to pay in full twice.

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