vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-26 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: MD

Complaint narrative:
There is a medical bill from XXXX reporting a collection on XXXX of my credit reports. The bill is from the birth of my XXXX in XX/XX/2018. At the time I was admitted into the hospital I was covered under VA insurance for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I also added my daughter to my employer 's XXXX plan and it was back-dated to her date of birth. Additionally, I was in bankruptcy at the time of her birth. The collections is under XXXX and XXXX and says the original debt was incurred this year, which it wasn't. This debt should have been disclosed XXXX years ago, but I am just being billed for it this year. All of the previous claims that XXXX has sent me were handled by the VA. I have documentation to prove my claims and somehow the Transunion and XXXX are claiming that the debt is valid and correctly reported.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 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: MD

Complaint narrative:
There is a medical bill from XXXX reporting a collection on XXXX of my credit reports. The bill is from the birth of my XXXX in XX/XX/2018. At the time I was admitted into the hospital I was covered under XXXX insurance for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also added my daughter to my employer 's XXXX plan and it was back-dated to her date of birth. Additionally, I was in bankruptcy at the time of her birth. The collections is under XXXX and XXXX and says the original debt was incurred this year, which it wasn't. This debt should have been disclosed XXXX years ago, but I am just being billed for it this year. All of the previous claims that XXXX has sent me were handled by the VA. I have documentation to prove my claims and somehow the XXXX and Equifax are claiming that the debt is valid and correctly reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 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: AZ

Complaint narrative:
XXXX, EQUIFAX and XXXX are in violation of the law for reporting fraudulent and misleading information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank has been charging me {$15.00} monthly for over 1 year, for a XXXX service that I never requested, never used, never even know of its existence. I called XXXX, they said they are not charging me for anything, and that the issue is with my bank. I called Citibank and the rep said they can not refund me for the past year. I said then I need it to stop right away. She said the issue is resolved and that I will not get charge again. Well guess what, the following month I got charged {$39.00} and this XXXX {$40.00}. I'm now getting charge more than a double. I called Citibank again and request to talk to a supervisor. That was my worst experience ever!. He said he's not going to refund me, and the only thing he can do is to issue a new card and my current card will be block until the new one arrive. I now have les than {$20.00} in my account. If you illegally take {$80.00} from me and block my {$10.00} what are you doing to me. After banking with you for over 5 years!

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 2021-11-26 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: MA

Complaint narrative:
CREDIT BUREAUS ARE IN THEIR VIOLATION OF LAW FOR NOT CONDUCTING AN INVESTIGATION REGARDING ON THE FRAUDULENT AND MISLEADING ACCOUINTS REPORTED FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/2021 I sent CAPITAL ONE AUTO FINANCE a US Postal Money Order with a CERTIFIED MAIL # ( XXXX ) constituting and satisfying all claims of that instrument, without recourse. ( attached to this complaint ) I understand that the note I sent, is a Secured Transferrable Negotiable Instrument meeting all requirements of U.C.C. - Article 3, as a Money Order. The Negotiable Instrument I presented to Capital One is under the authority of House Joint Resolution 192, Public Law 73-10, UCC 3-104 ( c ). 

Capital One Auto Finance received my Postal Money Order on XX/XX/2021 ( attached to this complaint ) Capital One Auto Finance ACCEPTED FOR VALUE and CASHED the Postal Money Order I presented to them by XX/XX/2021. ( attached to this complaint ) To my understanding, I have the right to ENFORCE this instrument according to UCC 3-301 [ PERSON ENTITLED TO ENFORCE INSTRUMENT ] I, in good faith tendered the instrument as full satisfaction. UCC 3-311 [ ACCORD AND SATISFACTION BY USE OF INSTRUMENT ] Capital One Auto has been in dishonor ever since. I have sent multiple affidavits to the CEO/CFO for acknowledgment of my Tendered Payment, and they have failed to respond and correct the issue at hand. They did not rebuttal any affidavit point for point. I sent them a CEASE AND DESIST affidavit on XX/XX/2021 to stop communication, collecting debts, furnishing any information to my consumer file. They've sent me mail anyway. 

I included this in the affidavits : Notice, it is a Fact, that, I, agent for principal XXXX XXXX and affiant, am disputing this alleged debt, invoking my specified remedy as original creditor pursuant to 15 U.S.Code 1692c ( c ) ( 2 ) and pursuant to 15 U.S.Code 1692c ( c ) I demand you to cease any communications and collection activity of this alleged debt until you can provide me with the requested information in this affidavit herein. 

Notice, it is a Fact, that, I, agent for principal XXXX XXXX and affiant, am disputing this alleged debt, invoking my specified remedy as original creditor pursuant to 15 U.S.Code 1692c ( c ) ( 2 ) I demand deletion from all consumer reports, clear out payment history, grant me my title lien free, do not close my accounts without authorized permission, do not seize or attempt to seize anything in my possession, remove all remarks or comments from my consumer report, zero out the balance on this account, cease and rescind us of my intellectual property, my signature. 

Capital One Auto has failed to honor any of my demands. 

I am now seeking remedy and help from the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 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:
On XX/XX/2021 I submitted a dispute letter to your company, disputing two student loans that recently appeared on my account out of nowhere. I asked your company to not only investigate where such debt comes from but to send me proof of such debt or to remove such debt as, again, such debt does not belong to me. 

What I received in response was an " account update " email that had no status update attached and I discovered the two student loans account were taking out of dispute status. 

According to the law and per my request via my letter dated XXXX, I asked your company to please verify the debt as required by the Fair Debt Collection Practices Act. The law requires that the bureau be able to furnish who, what when and why as proof of a debt or correct information they are choosing to publish on their platform. Your company did not do that, in fact it seems your company did nothing but dismiss my claim and take the accounts out of dispute. 

The other two bureaus found no baring that these two students loans belonged to me, so I am confused as to why or how only your company was able to find them them to accurate. 

Because your company did not do that what is required by law, you are now in violation The Fair Credit Reporting Act ( FCRA ) that states, if inaccurate information is discovered in a file, the consumer reporting agency must examine the disputed information. If the inaccurate information can not be verified, the consumer reporting agency has a responsibility to remove it. I am asking that you remove the accounts in question.

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 2021-11-26 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: PA

Complaint narrative:
This is XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I sent letters to Equifax Credit Bureau from XX/XX/2021 and now we are in the month of XX/XX/2021 and still, nothing received any response from them. That means Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act law and continued to report inaccurate accounts on my credit report. Here are the following inaccurate accounts that need to remove completely from my Credit Report : XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: MN

Complaint narrative:
I have tried contacting the company to advise them that this is not my debt but I cant get anyone to respond to me. This account came up last year and I disputed this account with another collection agency and it was found to be inaccurate, but now this new agency is trying to collect on this same debt that was proven to be inaccurate. This is not my account and Ive never had XXXX. I dont understand why this is still happening without any notice to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I, XXXX XXXX the consumer have sent multiple dispute letter to Equifax stating the removal of all accounts attached to my credit file. Apparently the do no follow the Fair Credit Reporting Act because information put on my report that I never gave written consent for. At this stage in my life I am starting a family and they have me XXXX up, I would like to purchase a house but because of my credit report it is causing me great stress just to get help purchasing it. I recently sent the another notice as of XX/XX/21 via certified mail, including a bill of particulars in the amount of 48,000 $ for multiple violations that have occurred. The blatant disrespect to me as the consumer has given me no other choice but to file this complaint. They are not following the upholding Fair Credit Reporting Act at all. It is not fair to me and my family, this is the last step I take before going to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 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: MA

Complaint narrative:
I, XXXX XXXX the consumer have sent multiple dispute letter to Transunion stating the removal of all accounts attached to my credit file. Apparently the do no follow the Fair Credit Reporting Act because information put on my report that I never gave written consent for. At this stage in my life I am starting a family and they have me XXXX up, I would like to purchase a house but because of my credit report it is causing me great stress just to get help purchasing it. I recently sent the another notice as of XX/XX/21 via certified mail, including a bill of particulars in the amount of 54,000 $ for multiple violations that have occurred. The blatant disrespect to me as the consumer has given me no other choice but to file this complaint. they are not following the upholding Fair Credit Reporting Act at all. It is not fair to me and my family, this is the last step I take before going to court.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 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: NJ

Complaint narrative:
XXXX violated investigation by law have not responded within 30 Days nor gave proof of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX violated investigation by law have not responded within 30 Days nor gave proof of verification.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 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: MI

Complaint narrative:
XXXX XXXX  has opened an credit card that I did not open, they did no diligence in verifying address 's that i have never lived at or near. opened the account and added the address to my bureau and have not worked to remove and close said account in a timely manner

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 2021-11-26 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: TX

Complaint narrative:
CREDIT BUREAUS ARE IN THEIR VIOLATION OF LAW FOR NOT CONDUCTING AN INVESTIGATION REGARDING ON THE FRAUDULENT AND MISLEADING ACCOUINTS REPORTED FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have a credit card with Synchrony bank which I am using to pay for my furnace/ac installation. Payments are due the XXXX of each month. My first payment was due XX/XX/XXXX2021. 

This is my payment history : XX/XX/XXXX {$560.00} ; XX/XX/XXXX {$670.00} ; XX/XX/XXXX {$670.00} ; XX/XX/XXXX {$650.00}. Note : all of these payments are significantly higher than the amounts due. However, when I paid the XX/XX/XXXX payment I received a notice that my XXXX payment was " late ''. It clearly wasn't, as I'd made 4 payments in 3 months. When I contacted Synchrony, I was told I was charged a {$28.00} late fee because I had paid the bill EARLY and they had applied the XX/XX/XXXX payment to the " wrong month ''. Nothing in my consumer agreement penalizes me for paying my bill early. I was told that the fee would be " waived '' ( suggesting they were doing me a favor ) and that I only could get 1 " waiver '' every 12 months. I also was told that if I paid the bill early again I'd be billed a late fee again. This is fraud, plain and simple. XXXX should not be allowed to get away with this. If they're doing it to me they're doing it to everyone.

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 2021-11-26 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: CITIBANK, N.A.
State: MI

Complaint narrative:
Citi bank has opened an credit card that I did not open, they did no diligence in verifying address 's that i have never lived at or near. opened the account and added the address to my bureau and have not worked to remove and close said account in a timely manner

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 2021-11-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
I received this email which included the last four of my Social Security number.I have never heard of this company and do not owe any debt to them. The email was sent on XX/XX/2021. The email states a lawsuit will be filed and my social security number and banking accounts are under investigation by XXXX. Also, the email states that i have been blacklisted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 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: AL

Complaint narrative:
I am a victim of identity theft. And as a result, false and inaccurate information were posted on my credit report. The Federal Law requires you to delete ALL accounts and inquiries which resulted from Identity Theft within a maximum of 4 Business Days from the receipt of a Identity Theft Report in accordance to the Fair Credit Reporting Act Section 605 ( b ). 

I HAVE ATTACHED HERE THE REQUIRED Identity Theft Report IN COMPLIANCE TO THE FAIR CREDIT REPORTING ACT SECTION 605 ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 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: NY

Complaint narrative:
XXXX, EQUIFAX and XXXX are in violation of the law for reporting fraudulent and misleading information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 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: TX

Complaint narrative:
On XXXX/XXXX/2021 I submitted a dispute letter to your company, disputing two student loans that recently appeared on my account out of nowhere. I asked your company to not only investigate where such debt comes from but to send me proof of such debt or to remove such debt as, again, such debt does not belong to me. 

What I received in response was an " account update " email that had no status update attached and I discovered the two student loans account were taking out of dispute status. 

According to the law and per my request via my letter dated XXXX2021, I asked your company to please verify the debt as required by the Fair Debt Collection Practices Act. The law requires that the bureau be able to furnish who, what when and why as proof of a debt or correct information they are choosing to publish on their platform. Your company did not do that, in fact it seems your company did nothing but dismiss my claim and take the accounts out of dispute. 

The other two bureaus found no baring that these two students loans belonged to me, so I am confused as to why or how only your company was able to find them them to accurate. 

Because your company did not do that what is required by law, you are now in violation The Fair Credit Reporting Act ( FCRA ) that states, if inaccurate information is discovered in a file, the consumer reporting agency must examine the disputed information. If the inaccurate information can not be verified, the consumer reporting agency has a responsibility to remove it. I am asking that you remove the accounts in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 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: ENOVA INTERNATIONAL, INC.
State: WI

Complaint narrative:
They claim funds have been deposited in my bank account but there wasnt no funds I tried to call customer service but no one answered for hours then when they did they hand up right away this is a concern because they have my bank information and personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 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: NJ

Complaint narrative:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation