vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Called to make payment arrangements but had difficulty accessing online and reaching by phone. Multiple times I got transferred the call dropped after extremely long hold times this lead to inaccuracies and even closer of account. Which further causes more damage to my credit score. Ive spent countless time talking to multiple people who promised to correct and still no follow up on what I was told

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 2021-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
Credit Corp reported various account that they claimed I owe as a collection, but I don't recall have any business transactions or dealings with this company. I am asking that you have the creditor provide evidence that the account belongs to me and should be reported in my credit report, In addition, to show that my rights have not been abrogated. I'm asking the creditor to verify that they have a signed contract or paperwork from me or related to me in any fashion. Unless this paper is produced or the account is unverifiable, I required that this account is updated and deleted to reflect the proper reporting standard.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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: CA

Complaint narrative:
XXXX has been reporting on my behalf with out my permission. I havent been able to contact them and they have still been charging me late fees. Every tine i try to contact support i can not get through. Since XX/XX/2021 till XX/XX/2021 they have taken money from me and i demand it all be sent back to me. Under 15 usc 1692 c i would like to cease and desist all communication from here on out. Under 15 usc 1681 ( the fair credit reporting act ) all reports need to be accurate and fair. And i am a victim of fraud because so gave no consents for anybody to report or have my information. Any paperwork like the pictures i showed attached are examples of false and deceptive paperwork which is a violation of the fair trade commission ( the ftc )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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: CA

Complaint narrative:
XXXX  has been reporting on my behalf with out my permission. I havent been able to contact them and they have still been charging me late fees. Every tine i try to contact support i can not get through. Since XX/XX/2021 till XX/XX/2021 they have taken money from me and i demand it all be sent back to me. Under 15 usc 1692 c i would like to cease and desist all communication from here on out. Under 15 usc 1681 ( the fair credit reporting act ) all reports need to be accurate and fair. And i am a victim of fraud because so gave no consents for anybody to report or have my information. Any paperwork like the pictures i showed attached are examples of false and deceptive paperwork which is a violation of the fair trade commission ( the ftc )

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 2021-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: NV

Complaint narrative:
I reveiwed a current copy of my credit report and show inaccruate information. Account name RASH CURTIS & ASSOCIAT ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account numberXXXX. is showing as a collection/chargeoff with and open balance of {$750.00} and I understand this is a direct Violation of FDCPA. I understand a charge off account must report {$0.00}. I have disputed this account on a number of time and no reply has been given and its been more than 60 days. Which is a violation of FCRA. Please delete account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I would like if Experian can removed XXXX XXXX as a collection from my credit report. I recently disputed this company with XXXX and they removed it from my credit report. I would also like Experian to fully investigate this company as they have failed to provide validation that I owe them the amount.

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 2021-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/21 I sent letters to the bureaus regarding inaccuracies and unverified accounts on my credit report. Its 45 days later and I have not received a response. Section 611 ( a ), states that a failure to investigate and no response within 30 days gives reason for these inaccuracies to be removed and deleted immediately off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, Equifax and XXXX are reporting 5 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax, XXXX and XXXX  since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I would like for Experian to removed XXXX XXXX XXXX off my credit report because earlier I filed a dispute and they have failed to provide a proof of validation of debt. They verified the account but there was never a proof of debt validation send to me. I disputed the same account on XXXX  and it was deleted from my credit report. I would like for Experian to do the same.

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 2021-05-21 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: NV

Complaint narrative:
I have informed TransUnion that my report was inaccurate and they have not replied or took any steps on resolving this issue.

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 2021-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I opened a new capital one 360 checking account to earn the {$400.00} bonus. I completed all of the requirements. One day, I used my wife 's phone to sign into my account, or tried to, since I didn't have the password saved on the device I was using I made multiple failed attempts to sign in and they flagged it as " unsecured '' and told me the security of my account had been compromised. I tried to call to explain and regain access to my account, but they instead closed my account. The whole situation didn't make any sense, I filed a complaint previously, but there is a new piece. They deposited the {$400.00} bonus into my account and I am able to see the funds in my account. I even receive monthly statements, for several months now. They are refusing to give me money that belongs to me, that is in my account, and is even earning interest. I've called many times, but they refuse to send me a check.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: VA

Complaint narrative:
I.C. SYSTEM, INC claimed I owe XXXX as a collection, but I don't recall have any business transactions or dealings with this company. I am asking that you have the creditor provide evidence that the account belongs to me and should be reported in my credit report, In addition, to show that my rights have not been abrogated. I'm asking the creditor to verify that they have a signed contract or paperwork from me or related to me in any fashion. Unless this paper is produced or the account is unverifiable, I required that this account is updated and deleted to reflect the proper reporting standard.

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 2021-05-21 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Well Fargo I paid the amount and did remove it from 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 explanation
Consumer complaint received 2021-05-21 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have informed Experian that my report was inaccurate and they have not replied or took any steps on resolving this issue.

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 2021-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: IA

Complaint narrative:
Unemployment claims were deposited into my account and, my card was deactivated and the funds that were deposited are not in my account once they made my card active ,3 deposits or more are not accounted for, I have not received any yet customer service was notified by unknown in XXXX and IA, also I made a complaint. My funds were over XXXX  dollars and my bills are behind, bills are overdue and some in debt collections. Please resolve this issue so I can return to work eventually. Thank you 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 explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: VA

Complaint narrative:
ERC reported that I owe this XXXX and they put it in collection, but I don't recall have any business transactions or dealings with this company. I am asking that you have the creditor provide evidence that the account belongs to me and should be reported in my credit report, In addition, to show that my rights have not been abrogated. I'm asking the creditor to verify that they have a signed contract or paperwork from me or related to me in any fashion. Unless this paper is produced or the account is unverifiable, I required that this account is updated and deleted to reflect the proper reporting standard.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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: EQUIFAX, INC.
State: MD

Complaint narrative:
On a previous complaint that was not yet responded to ( XXXX ), in the complaint itself, I had pointed out that XXXX XXXX had sent to the four credit bureaus to delete both my wife and I XXXX XXXX account from the credit bureaus reporting. So far, my XXXX XXXX account has been deleted XXXX or removed ), but not done for my wife. I had also since opened another complaint on this but thought I would resurrect the original complaint ( XXXX ) to help get this taking care of. Two out of the four credit bureaus have so far not honored XXXX XXXX 's request to also remove their account from my wife credit reporting, based on the document they sent us that would have put the original request that was dated XX/XX/XXXX I know I've opened quite a few complaints, with some of the responses seem to have been forgotten or maybe overlooked, but they are still not responded to. The need to have a response to these complaints have a lot to do with the various organizations that are assisting us to resolve the problems we've been having with inaccuracies in our credit reporting. Both my wife and I have not missed a payment on any of our debts going back to XXXX of XXXX, yet two of the credit reporting agencies have reported " few accounts paid on time '' that we are trying to get figured out for both of our accounts. So if we can get the XXXX XXXX accounts also for my wife deleted as they had requested going back to early XXXX, it will help us get a better understanding on why the credit bureau 's are reporting to others wrongful information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: VA

Complaint narrative:
MED DATA SYS reported that I owe them {$1300.00}, but I don't recall have any business transactions or dealings with this company. I am asking that you have the creditor provide evidence that the account belongs to me and should be reported in my credit report, In addition, to show that my rights have not been abrogated. I'm asking the creditor to verify that they have a signed contract or paperwork from me or related to me in any fashion. Unless this paper is produced or the account is unverifiable, I required that this account is updated and deleted to reflect the proper reporting standard.

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 2021-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP
State: KS

Complaint narrative:
Since XX/XX/XXXX, I have been attempting to dispute the BALANCE with US Bank regarding a credit card debt. They blatantly refuse to investigate the individual charges I have stated are the result of identity theft and fraud since the initial disputes because I verified in XX/XX/XXXX that the ACCOUNT was opened by me and was valid. US Bank then proceeded to block access to the account and statements, and refused for over two years to send me the account statements. Only through a dispute with CFPB in XX/XX/XXXX was US Bank finally forced to send me copies of the statements requested. 

On XX/XX/XXXX, I sent a letter to US Bank detailing the charges I have been attempting to dispute as fraud. The letter was sent via USPS Certified Mail with electronic return receipt. Tracking number XXXX XXXX XXXX XXXX XXXX, received on XX/XX/XXXX and signed receipt by XXXX XXXX. 

As of today, XX/XX/XXXX, US Bank has failed to respond to the dispute. I have received copies of each of the three major credit reports between XX/XX/XXXX and XX/XX/XXXX ; none of the credit reporting agencies have the account listed as " in dispute '' and all three credit reporting agencies state in the dispute results that US Bank verified the debt with them. 

US Bank is in violation of FDCPA and FCRA for the following : 1. Failure to respond within 30 days of receiving of dispute letter ; 2. Failure to report the account in dispute with the three major credit bureaus following the receipt of the dispute letter ; 3. Verification of the debt with the three major credit bureaus following receipt of the dispute letter and prior to validation or resolution of the dispute with me. 

Per federal law, creditors are required to respond within 30 days to a dispute. Per federal law, creditors are not allowed to verify an alleged debt with a third party prior to validation or resolution of the dispute with the consumer/disputing party. Finally, per federal law, if an account is under dispute or investigation, the creditor is required to document such status on the account with each of the major credit reporting agencies.

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 monetary relief
Consumer complaint received 2021-05-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, Equifax and XXXX are reporting 1 derogatory account on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting this account or if this account even belong to me. I have sent 3rd dispute letters to Equifax, XXXX and XXXX  since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/ I opened a Citibank checking+savings accounts thanks to the promotion Citi was running at that time. Specifically, {$700.00} bonus for opening an Account Package andmaintaining $ XXXX balance for 60days. I'm attaching the terms of the offer I enrolled in below. Shortly after I met all the requirements of this offer andwas waiting forthe {$700.00} bonus to post, Citibank closed my accounts without any explanation, citing only " business reasons ''. I was very confusedbecause except for the initial deposit of {$50000.00} there was no activity on my accounts at all. My multiple attempts to resolve the issue with Citibank customer service were unsuccessful.I understand that Citibank can refuse to do business with anyone, but in my case the bank obviously benefited from holding my deposit of $ XXXX without paying interest and then refusing to pay the promotional bonus as was advertised. I believeclosing accounts right after all the requirements of an offer are met and refusing to pay is an unfair and deceptive practice.

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