vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am using Care Credit which is for medial use only. My mom needs XXXX XXXXXXXX and is going to use that card to pay for it. When the doctors tried to use the card it was declined. The card was never used before so the company closed the account due to " inactivity. '' The problem is that the card is used for medical uses. Legally speaking they should not have the right to cancel the card when I will only use it for a medical emergency or a scheduled XXXX especially without notification. If the doctor 's office was not able to help me reapply or that the application was declined, I would of sued the company for criminal neglect and be legally liable for denial of medical care.

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 2022-05-23 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: FL

Complaint narrative:
This complaint to XXXX was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX. ) XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX Balance : - XXXX  XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XXXX, XXXX, 2022 I sent in a letter to request removal of a fraud alert listed on my credit file. I have not received an update or confirmation of the removal of the fraud alert.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
According to the FCRA, I have the right to an accurate credit report. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company isnt the original creditor. Im no longer liable for this debt, being that the original creditor already sold my debt to you. Meaning youve been paid for my debt and Im no longer liable for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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:
In accordance with the fair credit reporting act XXXX  act # XXXX has violated my rights. As have XXXX XXXX XXXX. 

15 USC 1681 Section 602 states that I have a right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer getting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment under an open end cunsumer plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
Last year I opened an account with XXXX XXXX and they use comenity bank I bought one item and I made my payments and they XXXX XXXX the last money order I sent out to them and charged me late fees and my credit took a XXXX point nosedive. 
They never fixed it and I paid whatever they asked just to make it stop because it was like digging at concrete with a plastic spoon. I got all that situated MONTHS ago Now suddenly they want to charge me XXXX, for a misposted payment that was a XXXX on their end. I never bought anything from them and now they're trying to steal my money. Now my credit will suffer yet again because of it being at XXXX until this point. The lady on the phone was just talking in circles and kept repeating the same thing and would not help me at all. She then proceeded to just end the conversation and hang up as I was talking

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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: FL

Complaint narrative:
This complaint to XXXX was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX. ) XXXX Balance : {$320.00} XXXX XXXX Balance : {$0.00}

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 2022-05-23 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:
A car dealership named XXXX ran my credit multiple times without my permission. They have even written a letter showing they were in the wrong and so I sent their letter to every auto loan company on my report, some came back with wrong addresses and others denied my request. I have sent transunion all the information and proof that these hard inquiries need deleted 3 times but yet they do nothing. Per the letter straight from XXXX says they should not have ran these, yet Transunion has failed to take them off.

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 2022-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: FL

Complaint narrative:
XX/XX/2022 : Assestcare LLC furnished negative information on my credit report without first notifying me a the consumer violation 15 usc 1692 ( f ) A dispute was filed more than five times online with XXXX yet a proper investigation failed to happen until XX/XX/2022. 
XXXX : the first dispute was filed online report # XXXX My XXXX  score also decreased by XXXX points XXXX : ASSETCARE dispute was updated. improper investigation was made. Repport number XXXX the account remained on the credit report XX/XX/2022 ASSETCARE LLC re-aged and re-polluted my credit report by removing then resubmitting the same account. 
XX/XX/XXXX : account was once again re-aged and re-polluted as ASSETCARE flagged my account for collections, still denying me a proper investigation A letter went out on XXXX and again XXXX for a re-investigation request. At this time i also disputed this online but since XXXX has removed the disputes and their reports to remove their liablilty from this situation. 
On XX/XX/2022 Another dispute was updated. report number XXXX the date this dispute was filed is now missing or deleted. 
On XX/XX/2022 : another dispute was filed online report number XXXX On XX/XX/2022 the dispute was updated and remained on my consumer report. report number XXXX This was continued with many of the disputes missing or deleted. Report number on XX/XX/2022 XXXX is proof of that. 
Assetcare llc has private medical information which is rather embarssing against me and my minor child which they have attempted to use as a way of extortion unsigned affidavit included below In total this company has violated 33 of my rights which totals to {$85000.00} not including damages or distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Terrill Outsourcing Group
State: FL

Complaint narrative:
Called multiple times after being told not to call as they have the wrong phone number. 

All calls are robocalls/prerecorded messages, but in two different flavors. All represent a company named Superlative RM ( superlativerm.com ) Variation 1 : A message in a mans voice saying this is XXXX from Superlative RM and to call back at XXXX XX/XX/XXXX - XXXX - XXXX XX/XX/XXXX - XXXX - XXXX XX/XX/XXXX - XXXX - XXXX Variation 2 : A female robot voice saying to to call Superlative RM and to call back at XXXX. This one references case XXXX. 
XX/XX/XXXX - XXXX - XXXX XX/XX/XXXX - XXXX - XXXX They have call previously, but i have deleted those messages. 

I have informed these guys more than once not to call. First time was on XX/XX/XXXX at XXXX. 

They are calling a number that has been mine since XXXX. They must be working off of phone number lists that are more than a decade old. I wish the FCC would go after that stuff too. Example, if the phone number hasn't been validated in 7 years, they are not allowed to call it. And perhaps if one debt collector is alerted of a bad phone number, they should pass that along when a debt is sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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: GA

Complaint narrative:
Hello, my name is XXXX XXXX XXXX. I am a living person who is filing this complaint for herself. I do not need assistance to file a complaint against your company. I've found a few errors with accounts on my consumer report and its my understanding that you will do an investigation and send me the results. I'm really concerned about this because some of these are really hurting my credit! I would like a new credit report that reflects the changes as well, please. I have some upcoming events this year that will rely on my credit report being accurate so please assist with this. These are the items I am challenging : XXXX XXXX  Account # XXXX : Invalid Date of last activity Transunion shows XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. DELETE this account. XXXX XXXX XXXX Account # XXXX I was never late on this account. I paid XX/XX/XXXX on time. UPDATE to paid as agreed. XXXX is reporting an invalid account number Transunion is showing XXXX and XXXX is showing XXXX Also, the date last active is invalid. Transunion shows XX/XX/XXXX while XXXX shows XX/XX/XXXX. DELETE this account.

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 2022-05-23 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: UT

Complaint narrative:
For over 18 months I have been demanding that Equifax validate and correct or permanently delete this account from the consumer profile concerning me because it contains incorrect information. I do not believe that Equifax has actually done an investigation on this account. Information is missing and is clearly incorrect when you look at the information side by side with the way it is reporting at other credit reporting agencies. Equifax can not make a judgment call by themselves that information is verified and validated without speaking with an actual human being at the alleged creditor 's business. 

I've notified Equifax of the BILLING ERROR for the XXXX XXXX XXXX  account appearing in credit reports and the credit profile concerning me. I have never been late as XXXX clearly states " XXXX '' to confirm this in their reporting of the information. See attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: AZ

Complaint narrative:
I WANT TO COMPLAINT FOR THE CHANGE OF PRICE APPRAISALS AFTER PAYING THE CHARGE ONLINE Hello XXXX XXXX XXXX, Good News! An appraisal has been requested for your mortgage. Please make a payment below so as not to delay the property inspection. 

Property Address : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Amount Due : {$170.00} MAKE A PAYMENT Once payment has been received, a time will be scheduled for the appraiser to inspect the property located at XXXX XXXX XXXX XXXX XXXX, AZ XXXX. 
If you have questions about the appraisal service ordered for this request, please contact your loan officer. If you have technical problems making a payment, please visit the FAQ page hosted by XXXX | XXXX, our payment partner. You may also contact them at XXXX or XXXX. 
If the payment button above does not work, please click or copy and paste this link into your web browser XXXX XXXX XXXX XXXX Note : For security reasons, this link will remain active for three ( 3 ) days or three ( 3 ) access attempts. If you have not paid after three days, then clicking on the link will generate a new payment request email. 

A New Message has arrived for the following order. 

Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Loan Number : XXXX Loan Purpose : Refinance - Cash Out Service Type : XXXX Update Doc ID : XXXX Appraisal Coordinator : XXXX XXXX XXXX Coordinator Email : XXXX Service Provider Due Date : XX/XX/2022 XXXX PT Subject : Critical Message : Critical message from XXXX : Loan # XXXX Hello, The original appraiser has advised that their fee for an XXXX  XXXX is {$270.00} XXXX Please approve the additional {$100.00} fee to proceed. They would like to accept and have advised they can complete this report no later than XXXX pending access. Thank you PLEASE NOTE : This is an automatically generated email. Please do not reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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: FL

Complaint narrative:
This complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX Balance : XXXX XXXXXXXX  XXXX Balance : {$0.00}

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 2022-05-23 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: SCA Collections, Inc.
State: SC

Complaint narrative:
Account # XXXX. Company name : SCA collections inc. Under us 15 1681.

has violated the XXXX  law. 
In accordance with the fair credit reporting act. 
The list of accounts above has violated my federally protected consumer rights under 15 USC 1681. Section 602 A. States I have the right to privacy. 15 USC 1681 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) section states : no consumer agency may make any consumer report containing any of the following items of information any other adverse item of information, other than convictions or crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( A ) X1 ) 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 2022-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: I.C. System, Inc.
State: NY

Complaint narrative:
I have a unpaid XXXX account that closed XX/XX/XXXX. Credit report renewed account as of XX/XX/XXXX and dropped my credit score down all the while renewing the 7 year countdown. I contacted XXXX who contacted the collection agency and asked them to change the account dates on my credit report to the correct date of XX/XX/XXXX. XXXX sent me a letter showing my account closed on XX/XX/XXXX. Nothing was fixed. I contacted ic systems and asked them to fix the date they refused stating they are allowed to renew the date.

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 2022-05-23 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: NC

Complaint narrative:
In accordance with The Fair Credit Repoering Act, everything needs to be 100 % accurrate on my credit report. 

The credit bureaus stated everything was properly investigated, but how is that possible if the open dates are inaccurate, and. the last reported is inacurrate? This is ground for removal. They also violated my rights under. 

15 U.S.C 1681 section 602 A states I have the right to privacy 15U.S.C section 604 A section 2 : it also states a consumer reporting agency can not furnish a account withgout my written instruction Also, the credit bureaus took more than 30 days took more than 30 dsays to complete my investigation. Here is the certified tracking # XXXX  I have submitted a complaint with the XXXX  I have submitted a complaint with the Attorney General 's office and theese collection agencies are violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In accordance with The Fair Credit Repoering Act, everything needs to be 100 % accurrate on my credit report. 

The credit bureaus stated everything was properly investigated, but how is that possible if the open dates are inaccurate, and. the last reported is inacurrate? This is ground for removal. They also violated my rights under. 

15 U.S.C 1681 section 602 A states I have the right to privacy 15U.S.C section 604 A section 2 : it also states a consumer reporting agency can not furnish a account withgout my written instruction Also, the credit bureaus took more than 30 days took more than 30 dsays to complete my investigation. Here is the certified tracking # XXXX I have submitted a complaint with the XXXX. I have submitted a complaint with the Attorney General 's office and theese collection agencies are violating my rights.

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 2022-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am the account holder of a couple cash out accounts one business XXXX XXXX and 2 personal XXXX  XXXX and XXXX XXXX I had to factory reset my phone and I lost access to my business account and by accident created XXXX XXXX. I have contacted support to get access and or merge my accounts and I did everything they asked to verify and also I went out of my way and sent my birth certificate, social security card, copy of dl and a selfish of myself holding my dl and they have just quit responding telling me there is no information that they can give me about my case. I have nearly XXXX in my business account an s need access to it. I'm currently XXXX and this is worsening my situation. I need access or for them to merge my accounts so I can have access to my money. Please help this has been going on for the past 2 days.

Company response to consumer: Closed with explanation