vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-09 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: NJ

Complaint narrative:
I feel like I'm being taken advantage of being ignored of my disputes. It is clearly stated on XXXX that failure to examine an item within 30 days is cause to instantly remove it off my credit report. Since it has been over 60 days, these entries should be deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-09 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc
State: OH

Complaint narrative:
I had resolved a medical debt in XX/XX/XXXX in the amount of ~ {$2000.00} for an emergency room visit in XX/XX/XXXX. A company by the name XXXX XXXX contacted me in XX/XX/XXXX, nearly a year and a half after the debt had been settled, stating they purchased my contract from MediCredit and that money was still owed. Evidence was provided of the settled debt and a letter was received approximately one month later stating the provided evidence was still under review. ~60 days after the evidence was provided I received an email notification reporting my credit score had dropped 30 points due to a major derogatory debt. XXXX did not communicate with me in any way of their research results outside of the notification that they were still reviewing. I contacted XXXX and they referred me to their customer advocacy team to help resolve. Ive called the provided number and left voicemails numerous times over the course of the last 2 weeks and have not yet received a response. The actions of this company have caused not only stress and frustration, but real life consequences that will affect me and my family in the years to come. Hopefully this submission will help shed light on the broken processes within their organization, lack of customer support, and potentially help mitigate future risks of other individuals and families that may be impacted by this companys incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 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: ERC
State: GA

Complaint narrative:
In accordance with the Fair Credit act ENHANCED RECOVERY COMPANY Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
After visiting on 3 different occasions the local XXXX de XXXX XXXX XXXX, translated is XXXX. XXXX XXXX, which is only for government employees like I was, they certified in writing, that my loan with them : THAT THEY ARE NOT THE ONES REPORTING MY LOAN WITH THEM AS DEROGATORY, COLLECTION, AND PROFIT LOSS - my loan has not been reported as a loss ; as reported by Trans Union since XX/XX/2022 ; see page 2 of the Letter included, in XXXX, on page 3, of the 15 pages document called : " My Complaint to Trans Union XXXX XXXX XXXX  ''. 
The letter starts on page 2. 
- neither has my loan been reported as derogatory ; as reported by Trans Union- they have also not reported my loan as a collection account ; as reported by Trans Union the account continues in the Association where it originated. 

But, the Trans Union Credit Report is showing : - this account as charge off/ delinquent account ;- with a derogatory status- but, at the same time, there are no days late reported at all ; a contradiction I included within this complaint : - an English Translation of my complaint ; - documents showing, Trans Union Credit Report of SXXXXXXXX XXXX XXXX showing this same account reported by Trans Union in contradiction with what was certified by the XXXX XXXX XXXXXXXX XXXX officers ; - the same letter from the XXXX. XXXX XXXX officer XXXX XXXX XXXX, handled to me personally today, XXXXXXXX XXXX XXXX, by their administrative officer and collection manager XXXX XXXX XXXX XXXX, the employee who received me at their offices in the last 2 visits due to this problem, first visit was XX/XX/2022, with the second and third last XXXX XXXX XXXX  and XXXXXXXX XXXX XXXX ; - Copies of the letters, marked as received at the XXXX XXXXXXXX XXXX are included, but all three in the original XXXX Language ; - I also included evidence about why I do not work at the Puerto Rico Dept. of Education, and that it ended in the Supreme Court of the U.S. where it could be easily seen publicly just typing my name within the Docket Search section : XXXX XXXX XXXX - I also include evidence showing Supreme Court denial to hear a Case does not mean they approve the lower courts actions ; - I also include the last payment receipt made by myself personally last XXXXXXXX XXXX XXXX : For an unknown, their XXXX XXXX XXXX forgot to include it. 
Page 9, of My Complaint to Trans Union document ;

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 2022-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Affirm Holdings, Inc
State: OH

Complaint narrative:
A Company by the name of Affirm has my email address and cell phone number. They call everyday stating I owe an amount of {$130.00}. Someone at the company stated it would be turned over to the investigator to look into the matter. Every time they call me, I state I did not open an account with your company. As early as today, someone from the company stated well it's in your name and you are responsible to pay this bill it is 30 days overdue. I stated I will not be paying this bill because I did not open the account to begin with. He stated it's your name and email, you will be held responsible for the bill. I asked the guy would he like to have this conversation with my attorney because I did not open an account with your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
I ask for verification of debt. All I received was a statement from XXXX of 2022. Which I have never seen before

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
Jefferson Capital I will not pay this account, you are here by ordered to { cease and desist } any and all communications with everyone or companies but my self in writing only .No communications to anyone about any and all debt you state you have against me. THIS IS A OFFICAL NOTICE I never gave you any permission to publicize my personal information to anyone or company credit reporting companies no one

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 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: TX

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit reporting agencies are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demanded to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that was on file for the account listed below. To no avail there was no proof provided, agency told me that the creditor validated the debt with no documents which is a violation of fcra. I have called multiple times and sent letters to be told they can not remove it and only the creditor could. The account is a collection and this account is not the creditor. 

Account in violation : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-09 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
on XX/XX/2022 I visited Sams Club on XXXX XXXX in XXXX Arizona, I used the self check out around XXXXXXXX XXXX. I lifted the hand scanner and scanned my membership card. A Sams Club female XXXX middle aged woman approached me. The Sams Club employee pointed at the self check screen and said : " Wow, look. You have been pre- APPROVED for a Sams Card! '' I said, excuse me? She said you see that- she pointed to the screen again, she said : " I don't see that too often. You are pre approved and can get up to 30 % off todays purchase! '' I mentioned I did not want anything like an inquiry on my credit report ( I am rebuilding my credit ) The Sams Club employee told me : " Oh no, this is already done. She started to push locations on the screen and told me Go ahead and fill this in so we can get it finalized. This is the part I look away for privacy '' She turned her head and put her hand above her eyes. I was excited, I finally did it, I am getting a card- I thought. once I hit the submit button, it states " Sams Club will be sending you a letter in the mail within 7- 10 business days '' the employee said, " Ahhhh, yeah, it does that sometimes! '' and started to walk away. I said, I didn't want to apply and have an inquiry- but she kept walking. I stood looking in disbelief. Sure enough, I receive a declined letter for credit with Sams Club and another from Synchrony Bank. My credit score decreased 23 points for the inquiry!!! I did email a message the way Sams Club asks you to on their website, only a minimum amount of letters allowed to type. I have uploaded their response which they state this has been resolved and for me to contact Synchrony Bank. I have responded Their EMPLOYEE lied to me, and misguided me, they can check their surveillance camera for that day!! I asked if they offer incentives to employees for having customers apply for credit??? Because if so, I am sure this employee has tricked others just to benefit herself. The EMPLOYEE needs to be reprimanded and I would like an apology letter so I can dispute the inquiry on my credit reports.

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 2022-09-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Corporation of America
State: AR

Complaint narrative:
Debt should have been covered under insurance through the state of Arkansas.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MORGAN STANLEY & CO. LLC
State: VA

Complaint narrative:
I can no longer transfer my own money from my e-trade account. They placed an " account restriction '' message on my account home page saying my account has suspicious activity. There is no problem. The only problem they may have is that I have been withdrawing money over the last few months and they don't like it. I try to call the number on the home page to get the account restriction lifted but I go into an endless queue listening to music. There is no chat option or email that I can find anywhere on their website. They are holding my money hostage for no reason except that they seemingly don't like me systematically taking money out of my account. I need access to my money. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc
State: MO

Complaint narrative:
Someone stole my identity by stealing my cell phone and wallet connected to my cell phone the phone is in the company name and by the time I advised them to turn off the phone and get me a new phone the defrauders had already started using my credit card, and I come to find later that the fraud people forward all the calls and text to another number. The police advised me that this is a new way that the fraudulent crooks do to get your calls and text from the credit card companies to keep using your cards. I then canceled all ten of my credit cards and came to find later that a company by the name of Affirm, said I had an account with them. I advised them of the fraud that took place however, they are still trying to collect from me. I didn't even know about this company so I looked them up, and they said the account was used at a jewelry store. I need help with this company trying to collect on a bill that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: State Collection Service, Inc.
State: WA

Complaint narrative:
Collection agency sent bill for {$90.00} showing for XXXX XXXX and today. I contacted XXXX XXXX and verified I had no balance due.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
please remove these are not mines. i never had these before. im a XXXX  worker this is hurting my employment. 

COMENITY BANK/LNBRYA COMENITYCAPITAL/XXXX COMENITY BANK/TORRID

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian keeps sending me unsolicited email and I can not opt out. They claim " This is not a marketing emailyoure receiving this message to notify you of a recent change to your account. '' They explicitly say that even if I update my communication preferences, " youll continue to receive notifications like this one on the status of your account. '' Experian is clearly trying to get around CAN-SPAM by sending me marketing email, e.g. suggesting I should try Experian Boost, under the guise of transactional email for account status. But these emails are for things such as " it's time to check in on your credit '' or " your dark web scan is available '', not relevant account activity. 

I would like someone to explain to Experian that it's not cool to try to boost engagement by sending me emails every few days that I do not want and can not opt out of.

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 2022-09-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I got behind on my car note through Capitol One. I called to find out if they were able to assist me. I was offered a modification loan, but I had to make a full payment. Which wasn't a problem. I called to make the payment on XX/XX/XXXX as agreed upon with the representative, but they had already tried to take the payment by ACH. I specifically told the representative that I would call and make the payment by debit card. I was told when I called in I had to wait for the bank to send the payment back. I explained all over again that I really needed this modification loan so I needed to make the payment. Again he said wait until we contact uou. I stead I called them again the next day XX/XX/XXXX and was informed that the modification loan was not an option at this point. What they did offer was ridiculous and there was no way I would be able to live up to the agreement. I pay XXXX for a XXXX XXXX XXXX and I still owe over XXXX dollars on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 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: FL

Complaint narrative:
I have recently reviewed my consumer report and noticed there are items on there that have reported my private and non-public information which I did not provide explicit written or verbal permission for them to do so, and this is identity theft. They have compiled a report on me that is supposed to represent who I am. This has caused reputable damage to my life ; this information has been used to validate my credit worthiness with other creditors.

These furnishers did not respect my right to privacy under 15 USC 1681 ( a ) ( 4 ), they did not exercise their grave responsibility which is unfair and partial. They assumed the credibility of these companies that the information The furnishings were correct and accurate. They never had a permissible purpose under 15 USC 1681 ( b ) ( 2 ) 15 USC 1681 ( a ) 1 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

15 USC 1681 ( a ) ( 2 ) An Elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

The CRA has undermined my right to privacy, I spoke with their fraud dept to provide info regarding identity theft and to advise I had made a claim with the Federal Trade Commission FTC Report is attached and a copy of my consumer report # When Speaking to CRA Fraud Dept, Customer Service Agent advised he could not disclose any business info relating to Equifax such as location, supervisor 's name, nor agent last name which I could not understand because this was the company that has my personal information and have inefficiently allowed furnishers to report information that they did have my expressed consent to do so. 

I demand Equifax to block and remove items listed according to 15 U.S. Code 1681c2 - Block of information resulting from identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please understand I can only list from the file which I received from Equifax, Once I receive an updated copy of my consumer file there may be other inaccuracies that weren't specified in the past report which I will be amending if there should be a need to.

I have enclosed a copy of my Identification

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 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: TX

Complaint narrative:
Submitted disputes with Equifax, XXXX, and XXXX regarding Public Record being inaccurately reported on my reports XX/XX/2022. Each bureau stated the information was verified by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I opened this claim XXXX, but was closed by the bank saying I never sent the information requested. 
I have proof that the fax was delivered with the information requested by the bank to proceed with the claim. 
Attached goes the information for the disputed transactions and the proof of fax delivery with that information.

Company response to consumer: Closed with monetary relief