vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-14 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: IL

Complaint narrative:
On XX/XX/XXXX, I mailed and faxed a dispute letter to XXXX, Equifax and XXXX requesting to dispute negative credit items and inquiries. I never received a physical paper copy of the dispute resolution in the mail. According to the Fair Credit Reporting Act, the credit bureaus are required to respond to claims within 30 days and inform me of the results of it's investigation within five business days or they have to automatically delete every item that I disputed. I waited for 45 days and then mailed and faxed all 3 credit bureaus a NEW dispute letter on XX/XX/XXXX, requesting a copy of the investigation results from XX/XX/XXXX. I also requested that they send me proof of how they verified the items and if not provided within 15 days, that they needed to delete every item and inquiry that was disputed. Again, I never received a response in the mail from either credit bureau. Under the Fair Credit Reporting Act, it is a violation for credit reporting agencies to report inaccurate information about anyone, mixing up one 's personal information with someone else 's because of similarities or same names, social security numbers, addresses, etc. Agencies who fail to follow guidelines for handling disputes will be prosecuted in a court of law. According to FCRA, If you find an unauthorized or inaccurate hard inquiry, you can file a dispute letter and request that the bureau remove it from your report. The consumer credit bureaus must investigate dispute requests. If the furnisher corrects your information after your dispute, it must notify all of the credit reporting companies it sent the inaccurate information to, so they can update their reports with the correct information. No proof of investigation results have been received from any of the 3 credit bureaus. In the event that the credit bureaus attempt to state that they never received the said documents in the mail or via fax, I also included and attached them in previous CFPB complaints that were filed against these XXXX credit bureaus. The CFPB complaint numbers are as follows : XXXX Equifax, XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX Equifax, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX Equifax, XXXX XXXX, XXXX XXXX, XXXX Equifax, XXXX XXXX, XXXX XXXX. I am demanding that each credit bureau remove, delete, suppress and expunge each negative item, inquiry, incorrect address, name, phone number, employer, public record that I have ever disputed and restrict them from being added back to my report in the future. I am requesting that updated reports reflecting these changes are mailed to me within 15 days of today 's date or I will have my attorney file charges in court. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 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: VA

Complaint narrative:
On XX/XX/2020, I accurately and completely filed an identity theft report with the FTC, report number : XXXX. 

I immediately ( via certified mail, return receipt ) notified the credit bureau of the following account not belonging to me, and the federal law requiring that it be immediately blocked due to identity theft : XXXX XXXX. Account Number : XXXX In accordance with 605B of the FCRA XXXX the credit bureau should have blocked this item from appearing on my credit report within four days. They have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 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: VA

Complaint narrative:
On XX/XX/2020, I accurately and completely filed an identity theft report with the FTC, report number : XXXX. 

I immediately ( via certified mail, return receipt ) notified the credit bureau of the following account not belonging to me, and the federal law requiring that it be immediately blocked due to identity theft : XXXX XXXX. Account Number : XXXX In accordance with 605B of the FCRA , the credit bureau should have blocked this item from appearing on my credit report within four days. They have failed to do so.

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 2020-10-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX charged my AMEX Serve Card somewhere to the of $ XXXX {$160.00} for a phone order. However, the order with XXXX XXXX XXXX was cancelled and they cancelled the hold on the card. The hold disappeared, but the money was never actually added back into my balance at all. It literally just disappeared. I called AMEX and the rep explained to me that XXXX XXXX XXXX only held {$1.00}, which was added back to my balance. I know with absolute resolve that this is not the case. I'm not out at least {$120.00} ( if not more ) because AMEX simply took the money ; it vanished. I have already spoken with XXXX XXXX XXXX at length about this, and I was advised this is not the first time they had seen this with an AMEX prepaid product.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 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: IL

Complaint narrative:
Experian and XXXX  credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine.

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 2020-10-14 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: GA

Complaint narrative:
THE ACCOUNTS/INQUIRIES LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAs. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 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: GA

Complaint narrative:
THE ACCOUNTS/INQUIRIES LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against XXXX XXXX and Experian CRAs. On XX/XX/2020, I mailed XXXX   XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I requested my credit report through XXXX XXXX XXXX XXXX to the 3 Credit Bureaus and after responding all the correct answers, it was denied. Each year its the same issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
PLEASE SEE ATTACHMENTS. EACH TIME I SUBMIT A COMPLAINT, THEY REFUSE TO INVESTIGATE MY SUGGESTING THAT I AM NOT SUBMITTING THE COMPLAINT ON MY BEHALF. I SUBMIT COPIES OF MY DRIVER LICENSE, LEASE, ETC AND STILL NO INVESTIGATION. I HAVE COMPLIED ALL OF THIS DATA AND WILL ALSO BE SUBMITTING IT TO THE STATE ATTORNEYS OFFICE FOR FURTHER INVESTIGATION. 

ADDITIONALLY, THE XXXX XXXX XXXX IS REPORTING ON MY ACCOUNT AS A CHARGE-OFF AND WAS RECENTLY ADDED AS A " NEW COLLECTION '. THIS TOO GOES AGAINST FCRA PRACTICES. PLEASE DELETE THIS FRAUDULENT ACCOUNTS FROM MY 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 2020-10-14 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: IL

Complaint narrative:
XXXX and TransUnion credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine.

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 2020-10-14 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I report my Amex card lost in XXXX and then also dispute fraudulent charges as well on my account. 

A dispute was report for the lost card XXXX XXXX travel Was fraudulent and I didnt travel out of XXXX in 2017 around XXXX or XXXX to XXXX never been to XXXX but Amex continued to charged me {$12000.00} interest on this charge on top of my outstanding. 

I have numerous times and they explanation just take out the {$12000.00} out of it and not remembering that they have compounded the interest on top of the fraudulent charge to XXXX. 

I also want to note that my XXXX XXXX XXXX never signed up for any Amex card. Why is it being false reporting on my credit. XXXX XXXX XXXX its an incorporation business and never signed up for an Amex card. 

I XXXX XXXX personal owned an Amex card which got stolen and Not the XXXX XXXX XXXX business. 

XXXX XXXX has now had damages to its credit line for the false reporting claims against it and have been discriminated against by banks because of this law suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I requested my credit report through XXXX XXXX XXXX   XXXX  to the 3 Credit Bureaus and after responding all the correct answers, it was denied. Each year its the same 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 non-monetary relief
Consumer complaint received 2020-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I requested my credit report through XXXX XXXX XXXX   XXXX to the 3 Credit Bureaus and after responding all the correct answers, it was denied. Each year its the same 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 non-monetary relief
Consumer complaint received 2020-10-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/2020 I called American Express credit card company to request a total balance payoff figure and instructed the agent I wanted to pay the final balance and close the account. I was quoted a number of {$7500.00} by the agent as final balance. That dollar amount was dispersed to my card account at American Express with my instructions to close the account. The agent read me a statement saying the account was now closed. 

Around the first week of XXXX, 2020 I received a statement from American Express ( AE ) saying I owed approximately {$80.00}. I called AE three times and requested a manager return my call. I received one return call and I then tried to return that person 's call and spent one hour on hold waiting for the individual who was in a meeting. I finally gave up. I sent a certified letter to AE stating that I had asked for a final number and closed the account on or around XX/XX/XXXX. I stated I had no intention of paying any further fees. The card was can cancelled no charges were made by me. AE sent me a storm of letters all conflicting with each other about the status of the account. Another statement arrived saying I still owed the {$80.00} and late fees. 

I sent another letter with my original explanation and stating I would not be held to these fees since I has asked for a final balance and paid it. I was told that my account was accumulating " rolling interest '' and that I must pay it. I disputed this again, in writing saying I had asked for a final balance and paid it. 

I then received another blizzard of letters all conflicting with each other from AE. 

This so called rolling interest is not at {$110.00}. The latest letter said I must pay it as it is a part of the card holders agreement. My position is that this is just another hidden fee that credit card company harass customers into pay. 

I'm not paying. I will continue to fight this ridiculous matter even if I have spent hours and postage doing so. This type of fee charging must stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 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've contacted Transunion previously about inaccurate and fraudulent information showing on my credit report. XXXX is in deliberate violation of the Fair Credit Reporting Act. I have provided XXXX with proof that they are reporting inaccurate information, but they chose to still report the inaccurate information.

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 2020-10-14 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: TX

Complaint narrative:
They reported my car as a charge-off and I have never been late.

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 2020-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Adjusters, LLC
State: GA

Complaint narrative:
I sent National Credit Adjusters a Debt Validation letter that the received on XX/XX/2020. In that letter, I clearly stated the clause below : " I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. '' However, National Credit Adjusters ignored this and continue to call me. I have proof of them calling after I asked them to clearly NOT to. 

This is considered harassment, and I have been stressed and mental anguish regarding this. 

I demand compensation in the amount of {$5000.00} for them violating my FDCPA rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
There is a fraudulent XXXX charge on my debit card for {$4.00} and it is nearly impossible to reach anyone at Chase 's customer service line. They apparently have used COVID as an excuse to not have anyone working anymore, also it is impossible to reach any local branches by telephone. I do not shop on XXXX and it is distressing to know you can not reach anyone at Chase to help in the event that your debit card has been compromised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-14 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: CL Holdings LLC
State: VA

Complaint narrative:
I am filing a complaint of non-compliance requesting validation, made pursuant to the Fair Debt Collection Practices and the Fair Credit Reporting Act, along with the corresponding local state laws. 
Please note that I am requesting VALIDATION ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay these companies : 1 ) JEFFERSON CAPITAL SYSTEM XXXX XXXX XXXX ) ATTACHED LETTER NOTE : This account had been deleted off my credit report in by XXXX XXXXXXXX. 
2 ) XXXX XXXX ( XXXX XXXX XXXX XXXX ) ATTACHED LETTER This month the FTC, and XXXX XXXX XXXX XXXX have announce Nationwide Crackdown on Abusive Debt Collection Companies. 

This is formal complaint that you have failed to provide me with copies of any viable evidence, bearing my signature to my dispute letter deposited by certified registered mail with USPS. ( have attached certified letters that were sent ). 
I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. How are you guys reporting or verifying these accounts to the CRAs when it lacked underlying documentation. 
In 2000, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the XXXX for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents bearing a signature within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account. 
Consent Decree Order, Section II. 
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter. If not you must remove the accounts listed above. These accounts have hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I notice some negative items on my credit report and sent a dispute to the 3 CRA ( XXXX equifax, and XXXX ) on XX/XX/2020 about the inaccurate items -- most of them are items that are more than 7 years old and needs to be deleted asap, the rest are incomplete and inaccurate items that needs to be deleted as well. Neither of the CRAs has responded to me concerning the inaccurate items.

Company response to consumer: Closed with explanation