vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-07 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: IL

Complaint narrative:
Today 's Date : XX/XX/2023 I talked to an agent of Equifax related to dispute : XXXX submitted on XX/XX/2023 with documents.

Best summarized version of call : " The dispute was closed because documents uploaded were missing FTC report. '' Dispute Results : '' If we were able to make changes to your credit report based on the information you provided, we have done so. Otherwise, we contacted the company reporting the information to Equifax for them to investigate your dispute. '' My Complaint : 1 ] Incident reported on my credit report on XX/XX/2023, I filled first dispute on XX/XX/2023 on Equifax website and then another dispute for same issue on XX/XX/2023 and still my issue is as is on the first date. I CAN '' T CONTROL MY COOL. If I create a dispute on Equifax portal, they should approach me via email if something is missing or at least write it down CLEARLY in results that hard inquiry you tried to remove was not removed because of this reason.

2a ] Equifax decided to close the dispute with an ambigious and generic statement mentioned above. Such ambigious statements does not help to understand what exactly happened. Did they made changes? Did they communicated to company XXXX XXXX Bank in our case )? WHAT DID THEY DOOOOO? 
3 ] If dispute results does not tell what document is missing, how the XXXX would I ever know that Equifax wanted an additional document in order to remove unauthorized inquiry? How long do I need to track this item on my plate? It is a simple thing and Equifax is sitting idle on it until I approach them via robo picked up repeating instructions phone calls. 
4 ] No expedited service where person can provide " missing '' documents on the same dispute on their portal, or fax or email.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Winklevoss Exchange LLC
State: TX

Complaint narrative:
My wallet was stolen from my car on XX/XX/2023 with the Gemini Credit Card in it. 
The theft happened in XXXX Texas where I live. I advised the local police of the theft and no one has been charged to date. Two other credit cards, XXXX and XXXX XXXX were stolen too. Both had charges of {$2000.00} each from XXXX XXXX. XXXX and XXXX XXXX both advised me that the charges were removed after investigation. 

Called Gemini credit card company the same day it was stolen, XXXX. 
Also emailed the information about the theft via the communication portal at their website on XX/XX/2023 The stolen credit card was used to charge {$2900.00} at XXXX XXXX, XXXX XXXX XXXX. 
In spite of advising Gemini of the theft their response was a letter of XX/XX/XXXX stating " completed an investigation and determined it was not a billing error '' I called again on XX/XX/XXXX twice and spoke to two different reps. They are located in the XXXX and said there is nothing they can do and there were no supervisors that I speak to. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

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 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

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 2023-08-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I declare under penalty of perjury funder the laws of the United States. If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S. C. 1001.

Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money : and, was successful in creating accounts All is being investigated by the FTC XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: PA

Complaint narrative:
On XX/XX/2023, received several emails from a collection agency trying to collect a debt of over {$14000.00} owed to original creditor XXXX of South Dakota. The debt collector is TrueAccord Corp. and account XXXX. This is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: IL

Complaint narrative:
Im filing a complaint against The Company ERC collections. They are fraudulently claiming I owe them money from a previous XXXX XXXX XXXX  XXXX account. I have never had service with either company. ERC has my name, social security number and my address, my phone number which was fraudulently obtained. I dont own this account theyre talking about. The reference number for the fake account is XXXX. Im emotionally distraught because my personal information has been stolen by them and theyre trying to get {$530.00} from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 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: TX

Complaint narrative:
1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete this account. 


2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 


3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 


4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 


6. The following personal information is incorrect Account Number : NAME : XXXX XXXX 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 2023-08-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lockhart, Morris & Montgomery Inc.
State: NY

Complaint narrative:
Debt has already been paid for by insurance. They are calling to tell me that I owe them money when I have medical insurance and shouldnt have to pay anything. After showing them an itemized bill, I got from the hospital they refuse to acknowledge it, and continue to say I owe them money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 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:
You are in violation of reporting incorrect information on my consumer report. The company responded to CFPB and stated that the account would be removed from my report, yet it is still reporting. Please see the attached dispute letter sent to the company, which is dated, and time stamped as well as the cfpb complaint stating that the account would be removed XX/XX/2023. I am demanding that the account XXXX XXXX XXXX ( XXXX XXXX ) be removed from my credit report 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 2023-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Im am not liable for this account, nor have this entity provided me verification documentation. I demand this account be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
TransUnion Re : XXXX XXXX Acct # XXXX Delete this account for reporting inaccurate information on date of first delinquency.

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 2023-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Dynamic Collectors, Incorporated
State: WA

Complaint narrative:
I made some payments to XXXX XXXXXXXX XXXX XXXXXXXX, but they they didnt do their job properly and messed up our taxes. We disputed those charges which then was sent to collections. We sent debt validation letters Dynamic Collectors Inc.but they didnt respond in the timeframe and didnt send all information requested.

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 2023-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
TransUnion Re : XXXX XXXX XXXX Delete this account for reporting inaccurate information on date of first delinquency.

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 2023-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: VYSTAR CREDIT UNION
State: GA

Complaint narrative:
On XXXX XXXX i called vystar Credit union member service dept to send me a new debit card. agent XXXX ordered new debit card i was told in 10 business days. i waited 10 business days.the card never arrived i called the same member services phone number on XX/XX/XXXX i talked to agent XXXX cancelled the order for the card that never XXXX ordered new debit card.i was told 10business days.i waited again.today is XX/XX/XXXX the card still has not arrived. im requesting that the card be sent via XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
15 U.S code & 6802 Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this CFPB you did not handle my complaint correctly! You are helping these 3rd parties companies house illegal activities and information! You also didnt notify me of my dispute! Experian and XXXX is illegal housing information causing me hardship! I am the original creditor and I didnt not give no consent or permission to have these companies to report negative information on myself! That is against FCRA! I want to know what proper steps was taken to know how wasnt my dispute resolved? Can you show proof of how those negative collections belong to me? Can have the companies send me the account information? Like account records, with payment information as wells? original signing signature? Can u show me all the open dates, account details? I sent in cease-and-desist letters. I sent in all my correspondence to via certified mail. CFpb have Experian and XXXX send in all the paperwork showing that all proper step was taken to to investigate this complaint! Because right now you all illegally helping Experian and XXXX participating in fraudulent activities! I will take legal action against you all! Collections thats need to be removed are XXXX XXXX # Acct number XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX account thats is reporting .. All them accounts needs to be removed & discharge immediately! None of those accounts belong to me legally! All the information from accounts number and open dates and late payments are illegal and wrong! These items do not belong to me! So show me prove? What step was properly taken? Please have experian and XXXX provide proof of a lawful and legal investigation.

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 2023-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late. I strongly request that you update my account to accurately reflect my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08 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: TX

Complaint narrative:
Dear Transunion, I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 
3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX Account Number : XXXX Delete this account. 

7. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX Account Number : XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Delete this account. 

9. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

10. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 
11. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX, TX XXXX 12. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2023 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 2023-08-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
To Whom It XXXX Concern, I have filed multiple disputes with Capital One in regards to the inaccurate reporting on my credit report and nothing has been done to fix the situation. 

Capital One is inaccurately reporting information on my account in regards to the date the account was closed and a 30 day late payment. 

I have a letter from Capital One stating that the account was closed on XX/XX/2023. As of my credit report on XX/XX/2023 the account was reporting accurately as closed. The following month the account was then reported as 30 days late in XXXX and closed in May. The month after, the account was reported as closed in XXXX and so forth. 

As of my most recent dispute, one account is now reporting that the late payment was in XX/XX/2023 and the account was closed in XX/XX/2023. 

I have been trying to have this situation handled numerous times to no avail and am now demanding it to be fixed. I was suggested to seek legal assistance by the CFPB for next steps and this will be my final attempt to have this situation fixed before doing so. 


Please have Capital One accounts reflect the accurate date of closure ( XX/XX/2023 ) effective immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 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: NY

Complaint narrative:
I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and BLOCKED. 


XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief