vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have requested copies of any and all contracts with the company and none have been produced to evidence that I have an account with the company and I never executed a contract with the company. The mail sent to the address listed on two bureaus is returned as undeliverable. The company reports on my credit report ALL of the following as the status of the alleged account : Closed - charge off but continues to report FP ( Failure to Pay ) EVERY month as well as a current balance of {$10000.00}. 

On another Bureau - the address listed for the company has all the mail returned as unable to forward addressee unknown and reports the account charged off, bad debt placed for collection & Skip as well as FP ( Failure to Pay ) EVERY month as well as a current balance of {$10000.00}. 

On the third bureau the address listed for the company has all the mail returned as unable to forward addressee unknown and reports the account charged off, bad debt These actions are all inconsistent with one another. I have attempted to investigate this company and it appears that it went out of business therefore the reporting can not be accurate.

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 2019-09-15 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: NY

Complaint narrative:
XXXX XXXX XXXX has posted a collection against my credit reports where the credit card was originally with XXXX XXXX XXXX. This account was a charge of well over 7-years ago. Yet XXXX XXXX XXXX obtained the information pertaining to this account from a debt pooling subsidiary. The collection should never have been reported on any of my credit bureaus, and the original account is not even posted on my credit reports due to the 7-year rule application of the Fair Credit Reporting Act. XXXX XXXX XXXX in in direct violation of their subscriber agreement with the credit reporting agencies, and should be sanctioned for these aggressive and illegal collection practices. The account must be deleted permanently and the account information purged immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15 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: NY

Complaint narrative:
XXXX XXXX XXXX has posted a collection against my credit reports where the credit card was originally with XXXX XXXXXXXX XXXX. This account was a charge of well over 7-years ago. Yet XXXX XXXX XXXX obtained the information pertaining to this account from a debt pooling subsidiary. The collection should never have been reported on any of my credit bureaus, and the original account is not even posted on my credit reports due to the 7-year rule application of the Fair Credit Reporting Act. XXXX XXXX XXXX in in direct violation of their subscriber agreement with the credit reporting agencies, and should be sanctioned for these aggressive and illegal collection practices. The account must be deleted permanently and the account information purged 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 explanation
Consumer complaint received 2019-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Block, Inc.
State: GA

Complaint narrative:
My money is on my cash app card and when i try to log into my account its telling me i tried too many times to register and i need try again in 24 hours, when i already have an account. I emailed them twice XXXX XXXX And i havent gotten a response. My Account is still the same as of right now and i need to access my money urgently, this isnt fair at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15 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: AR

Complaint narrative:
XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Arkansas, XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Re : Investigation Confirmation # XXXX To whom this may concern, I recently received your intimidating response letter regarding this recent investigation results confirmation that is above. In where you stated that the results from that investigation has been completed. '' As a result of your findings. Im formally requesting the following documents specifically. 

Please send me the full arrangement ie, the 1. Contract with my signatures on it that says that 3rd parties are allowed to have my information that Id signed off on. Of which I know for certain that it doesnt exist because its not my debt for the following accounts below : " DELETE XXXX   XXXX XXXX '' Or Delete It! 
XXXX XXXX XXXX XXXX Or Delete It! 

Richardson v. Equifax Information Services, LLC et al, Cushman Vs TransUnion, and Stefferson Vs Experian. All the courts merely said that The Credit Bureaus Can Not pair information from the Creditors and Collectors. They have to do and conduct a reasonable investigation on their own. Which means that they cant just use the XXXX XXXX because its not considered reasonable. They can not just say that we went to the Creditor and/or Collectors and got this information and they just say that its verified and we can say that its verified. No! 

I'm sure that you are aware that the FCRA, allows damages up to {$1000.00} per each violation. 

And send me another credit report. 

I've included the full letter with the items that I'm disputing below.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
The XXXX Hospital didn't use my insurance or tell me I had over {$7000.00} due in hospital bills from a trip I took around XXXX. 
Here are a list of collections that they have submitted : 1. Current Creditor : Transworld Systems ; Original Creditor : XXXX XXXX Hospital Amount :  {$3600.00} ; Date : XX/XX/XXXX 2. Current Creditor : Transworld Systems ; Original Creditor : XXXX XXXX Hospital Amount : {$2100.00} ; Date : XX/XX/XXXX 3. Current Creditor : Transworld Systems ; Original Creditor : XXXX XXXX Hospital Amount : {$2300.00} Date : XX/XX/XXXX 4. Current Creditor : XXXX XXXX ; Original Creditor : XXXX XXXX XXXX Amount : {$2100.00} Date : XX/XX/XXXX ( I have never heard of the original creditor ) I went to the hospital when I got a XXXX around this time and I supplied them with my XXXX insurance. The only contact I had was an agent who called me and told me I had a balance of {$50.00}, which I paid that day. I disputed all but the XXXX XXXX XXXX because I just noticed it and I have no idea what that even is. 

They never gave me the opportunity to discuss what the charges were or to tell me why they didn't charge anything to my insurance. Also, I don't know why there are three separate charges from XXXX XXXX Hospital. 

This has destroyed my credit and made my life very difficult in getting loans and getting a home. I have had a very hard time trying to repair my credit due to these claims. 

They should contact customers and make sure that they charge to insurance. They also shouldn't tell you that your balance is paid off and then sent a large amount to collections which they can't explain.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Sequoia Financial Services
State: CA

Complaint narrative:
RECIEVED PHOHE CALL XXXX XX/XX/2019 XXXX  SPEAKING CALLED BACK COLLECTION NUMBER CANT GET THROUGH LOOKED NUMBER UP XXXX COLLECTION SEQUOIA FINANCIAL SVCS. I DONT OWE THEM ANYTHING I BELIEVE THIS TO BE FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I received a copy of my credit report and noticed a few items to be in error. this item i paid in full and should have never been in collection. I even have an account with this same bank now. I dont think you would offer someone your services again who owe you money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I went into XXXX  XXXX on XX/XX/2019 and purchased a red leather love seat.financing was to be thru XXXX ... .i paid {$49.00} down .... 
I changed my mind..and called the furniture store and Cancelled ... On.XX/XX/2019 The day of delivery ... a truck driver called to confirm .... 
I wasn't at home and told him ... i had cancelled .... 
One week later ... XXXX XXXX..called for the first payment .... 

I told them ... I did not take delivery of the couch..and I'm not paying NOTHING I don't have ... 

They started calling weekly ... so I visited the furniture store ... He refused to show the signed delivery receipt ... .So I wrote out a formal cancellation letter and letter ... 

Now they are reporting late payments on my credit report .... 

I want them removed from my EQUIFAX account i subsquently bought a loveseat from XXXX XXXX ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15 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: AR

Complaint narrative:
XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX. XXXX . XXXX XXXX Arkansas, XXXX TransUnion Consumer Relations XXXX XXXX XXXX XXXX, PA XXXX To TransUnion Dispute Department/Re : Investigation I recently received your intimidating response letter regarding this recent investigation results confirmation that is above. In where you stated that the results from that investigation has been completed. '' As a result of your findings. Im formally requesting the following documents specifically. 

Please send me the full arrangement ie, the 1. Contract with my signatures on it that says that 3rd parties are allowed to have my information that Id signed off on. Of which I know for certain that it doesnt exist because its not my debt for the following accounts below : DELETEXX/XX/XXXX XXXX XXXX XXXX Or Delete It! 
XXXX XXXX XXXX XXXX Or Delete It! 
" DELETE XX/XX/XXXXXXXX '' Or Delete It! 

Richardson v. Equifax Information Services, LLC et al, Cushman Vs  TransUnion, and Stefferson Vs Experian. All the courts merely said that The Credit Bureaus Can Not pair information from the Creditors and Collectors.  They have to do and conduct a reasonable investigation on their own. Which means that they cant just use the XXXX System because its not considered reasonable. They can not just say that we went to the Creditor and/or Collectors and got this information and they just say that its verified and we can say that its verified. No! 

I'm sure that you are aware that the FCRA, allows damages up to {$1000.00} per each violation. 

And send me another credit report. 
I've included the official letter with the disputed items listed on them.

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 2019-09-15 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: AL

Complaint narrative:
I received a copy of my credit report and noticed a few items to be in error. this item i paid in full and should have never been in collection. I even have an account with this same bank now. I dont think you would offer someone your services again who owe you money.

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 2019-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I received several letters from XXXX XX/XX/XXXX, XXXX, XXXX XXXX, and XXXX making credit inquiries where my credit score was very low from Equifax in order to purchase a car. Within the last year I have not had an inquiry, but had a subscription with Equifax for several years to monitor my credit and the credit score was a fair one for XXXX and a fair one for the year XXXX. However, their reporting score to the above businesses was a poor one. I have a copy of my score from last year and this year from Equifax own website and I am sending a letter to the U.S. Attorney General to investigate. I want to know from the U.S. Attorney General how could several credit inquiries bring your score down to 78 points for the month of XX/XX/XXXX because that is when the inquiries were done and I have a fair credit score according to their own website. It appears someone in that agency manipulated the numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
On XX/XX/XXXX I received a deposit of {$6000.00} into my Capital One Checkiny Account. 

I have a XXXX XXXX and had a friend help me make the deposit. Capital one insisted that they know who was on the account for deposit and to call the XXXX XXXX XXXX XXXX, where the deposit came from to get a full identification of the depositor. 

I went through 2 weeks of hold and waiting for the funds to clear. I waited on hold for hours to have then connect with the other bank and was told by XXXX XXXX XXXX XXXX that they would not verify the deposit. Capital One would then not release any funds to me even after they said they were closing my account. I asked for a check to be mailed and that has not happened either. I need this money for emergency home repair.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Capital One authorized fraudulent transactions and failed to protect me as a consumer On XX/XX/XXXX I called Capital One to report a fraudulent transaction for {$2000.00} on XX/XX/2019 from XXXX. I informed the representative that 1 ) I did not authorize this transaction 2 ) I received a phishing attempt after the transaction was made telling me to update my account by clicking a link and 3 ) that I suspected further fraudulent activity - the XXXX representative said the only way to receive my money back was to send them my medical records On XX/XX/XXXX I received an email from Capital One 's card investigations team requesting the following : - A copy of the original purchase receipt - Your efforts to resolve the dispute with the merchant - The expected date of the hotel stay/rental - The date of cancelation ( include the cancelation number if you have it ) - The merchant 's cancelation policy - this helps us with your dispute - Proof you canceled within the merchant 's cancelation terms On XX/XX/XXXX I emailed back providing documentation proving the fraudulent activity ( ie phishing email attempt/XXXX request for medical records ) and explained how I never received proof of cancellation because this was an unauthorized transaction. 

On XX/XX/XXXX I was told by Capital One my claim was denied because I did not have proof of cancelation of the XXXX  within 24 hours of it being authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Equifax has my Last name Incorrect, I have sent the birth certificate, license, and ss card, along with fid card and they will not fix. I have paid off loans and it shows still open with balances. I have contacted them by phone, by disputing on line, faxing them documents I dont know what else to do please help. Thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Tried to log into online app with Citi as I have for a year or so and got a message there was a problem with my account and to call them. 

Did so and answered there security guestions correctly. Was told they would text me a code to read back to them but after three attempts was told they had an error in their system. Then was told I had been left a voicemail on XX/XX/19. Looked at my recent messages. Nothing there. 

Was passed to a superior and told all they could do for me was send a letter to the address on file or call back from another number. 

I explained I have no other number and had moved and had a new address ( one of the reasons I was logging on in the first place to change ). Was also logging in to increase payments to pay off before 0 % interest offer expired. 

Was offered no other resolution to fix this issue. Looks as if they are trying to keep me from adjusting payments to pay off prior to 0 % interest offer expires. 

They wont even switch to a mailed statement to the new address. Looks as if Im just locked out of the account but still expected to pay it. 

I need this resolved ASAP.

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 2019-09-15 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: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
I have disputed these accounts numerous times through XXXX and XXXX as the negativity that has impacted my score has been false from the start. I have talked to each collection agency listed and have recorded conversations of them stating apologies for the errors and that they will be removed however ; they have only followed through with XXXX and not XXXX. I have no negative items on my XXXX but they have done nothing to XXXX besides removal of a few accounts but, they have added accounts in their place, ones where insurance, XXXX, XXXX and my Supplemental insurance company has already paid these claims. I need help as I have disputed these numerous times. Below are the companies that are not in following through with what they have agreed to do. 

NEGATIVE INFORMATION > COLLECTION. 


XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX | XXXX XXXX XXXX | XXXX XXXX XXXX | XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX | XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Student Loan Financial Assistance
State: LA

Complaint narrative:
I was informed by the U.S. Department of Education that no action was taken by XXXX on my behalf to cancel my student loan debt by applying for the XXXX Discharge Program. I was additionally informed by Department of Education the application to this program is provided free of charge by XXXX, an arm of XXXX. The aforementioned company XXXX ( XXXX XXXX XXXX XXXX. ) charged my bank account {$240.00} on each of the following dates : XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19 and XX/XX/19.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation