vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-29 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: OH

Complaint narrative:
CFPB NEEDS TO INVESTIGATE THIS NOW!!! This is in rebuttal to case XXXX. XXXX XXXX XXXX  is in violation of UDAAP, Reg Z Billing disputes and FCRA! They continue to report my account past due for XXXX and XX/XX/2020!!! They clearly know I had XXXX  in early XXXX and did not get out of the Hospital and back to normal until early XXXX!!! NO ONE WOULD TALK TO MY HUSBAND TO GET ME ANY HELP ON MY ACCOUNT!!!! THEY SAID HE WAS NOT ON THE ACCOUNT AND COULD NOT ASSIT HIM!!! HE THEN PASSED AWAY FROM XXXX  IN XXXX BY THE TIME I COULD GET IN CONTACT WITH MY XXXX XXXX I HAD {$100.00} 'S IN LATE FEES AND MY CREDIT IS RUNIED!! They told me, oh had they been aware, there was options that could had prevented all of this!! Well my husband tried making them aware!! They would not talk to him!!! The same for my XXXX Account! I almost died from XXXX  AND THESE XXXX UP LENDERS DO NOT CARE ABOUT THE CONSUMER!!! THIS IS UDAAP!! HOW COULD I WHEN ON XXXX XXXX CALL ANYONE AND THEY WOULD NOT TALK TO MY HUSBAND! ONCE I COULD, I PAID THIS ACCOUNT IN FULL AND THE COLLECTION REP SAID, MY CREDIT SHOULD BE CORRECTED, BUT I WOULD NEED TO FILE A DISPUTE FOR BOTH THOS ACCOUNT AND XXXX. HE SAID SOMEONE SHOULD HAD TALKED TO MY HUSBAND AND I SHOULD HAD BEEN OFFERED THE ASSISTANCE OPTIONS THAT WERE AVAILABLE!!! I PAID THIS ACCOUNT IN FULL AND THEY TOLD ME MY CREDIT SHOULD BE FIXED NOW FIX IT!!! I HAD TO CREMATE MY DAUGHTER WHO DIED FROM XXXX LAST MONTH BECAUSE THESE CARELESS XXXX  RUNIED MY CREDIT!!! I COULD NOT AFFORD NOR GET A LOAN TO GIVE HER A PROPER FUNRAL!! THEY NEED TO BE HELD ACCOUNTABLE FOR THIS!!! OH - THE REG Z VIOLATION IS THEIR FAILURE TO RESPOND TO MY BILLING DISPUTES I ISSUED TWICE!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Sent a dispute letter for several accounts to Experian on or about XX/XX/2020. Received certified return receipt stamped received XX/XX/2020. It is now XX/XX/2020 and I have not received a report or status. Attempted to contact Experian today via phone to inquire and ask that they remove disputed items and they refuse, could not get a live person on the phone only automation. ( FCRA ), 15 U.S.C. 1681 et seq. / FCRA Section 623 states if info can not be verified as accurate etc. within 30 days it must be deleted. Its been over 90 days, the items I disputed should be removed.

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 2020-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
There's a paid collection on my credit from 2014. It was an amount of {$15.00} that was paid. In the description, it is listed as a medical collection. 

The creditor 's name is listed as " XXXX XXXX ''. This is a medical collection, and the fact that it is reported to my credit is a violation of HIPAA laws. The fact that I attended a medical doctor is a private matter and my info, billing or otherwise, should not be furnished to any collection department or personnel that isn't the acting doctor or nurse treating me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Lendmark Financial Services
State: PA

Complaint narrative:
I am currently off of work due to hospitalization and needing to have XXXX. I do not have a return date, have no income until my short term XXXX is approved and comes through. I called this company to see about a deferment, they advised me no assistance due to not having the current loan opened for 6 months, okay, we told them we may have the funds Friday, they asked me to pay on Thursday and stated it won't clear until the XX/XX/XXXX, kind of asking me to overdraw and make a charge on my account with funds I do not have. Per the loan agreement I am supposed to have a 10 day grace period however what the rep relayed to me was I needed to pay the XXXX or it would be reported late because my payment was due on the XXXX. That is 3 days. It does not matter the due date a grace period is offered the same must be offered to all customers and this did not seem to be the fact what was being told to me. This is unfair practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, XXXX XX/XX/XXXX - XXXX and REGIONAL ACCEPTANCE CORP add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2020-12-29 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commercial Acceptance Company
State: NJ

Complaint narrative:
To Whom It may Concern : I Receive a collection letter from commercial acceptance co, I repeated told them i had car & health insurance during the accident, one of them should have cover the cost, but the collection agency is XXXX bent on collecting its money without any proof or bill that i owe the city of XXXX. they specially told me they cant provide me with a bill the last time we spoke.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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: FL

Complaint narrative:
I am disputing the following account under FCRA : XXXX XXXX account XXXX Experian is refusing to investigate. 
Please delete asap

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Im seeing accounts on my credit report that is fraudulent during the time I was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I called chase today about a charge from XXXX. I was being charged for items I returned to them. Chase said tge vendor provided proof of the delivery. I never signed nor accepted the merchandise. Chase allowed the vendor to charge me even though I didn't receive the merchandise and returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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:
I am disputing the following account under FCRA : XXXX XXXX account # XXXX Experian refusing to investigate Please delete asap

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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:
I am disputing the following account under FCRA : XXXX XXXX XXXX account XXXX Experian refusing to investigate. 
Please delete asap

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
LVNV Funding LLC is being negligent and unfair. This company has damaged me financially and emotionally. This situation is overwhelming and I hope to get a fair solution. 

Account involved : LVNV Funding LLC account, opened on XX/XX/2019, highest balance {$2200.00}, original creditor :XX/XX/XXXXXXXX. 

I have been through a really hard situation. It has affected all areas of my life ( emotional, familiar, financial life ruined, etc. ). This company has committed multiple violations of the CCRA, California Rosenthal Act, violation of California Consumer Call Protection Act and California Credit Reporting Agencies act : USING AUTOMATED DIALER. 
EXCESIVE PHONE CALLS WITHOUT PRIOR AUTHORIZATION BY LVNV AND ITS SUBSIDIARIES. 
CALLING DESPITE PRIOR NOTICE TO STOP CALLING. 
MISREPORTING DATE OF LAST ACTIVITY. 
UNSUBSTANTIAL INTEREST CHARGES BY ORIGINAL CREDITOR. 
FAILURE BY ORIGINAL CREDITOR TO PRODUCE DEBT INSTRUMENT AND PROOF OF CHARGES. 
REAGING ACCOUNT. 
NEGLIGENCE. 
UNFAIR BUSINESS PRACTICES All I am asking is the cancelation of debt and deletion from all bureaus. 

Please be aware that I am willing to take this issue to the next level. If judge is needed, I will take the case to a courthouse so I can get a fair solution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Netspend Corporation
State: NY

Complaint narrative:
I received a card in the mail from Netspend All Access by XXXX. I did not request this card and have no idea who this company is or why I received it. Their customer service lines wont let you speak with a person. Receiving this makes me worried I may have suffered identity theft. The card requests I activate it, and I could only succeed in opting out on their automated line. When I called their other customer service line, they ask for my social security number so I hung up. This is incredibly frustrating.

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 2020-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP
State: MI

Complaint narrative:
I was applying online to U.S bank credit card on XX/XX/XXXX ( Saturday ). I had reached a stage in which the credit limit was shown as {$600.00}. At this point I have the webpage up and have neither declined nor accepted the card. 

then call U.S bank customer service number regarding the credit limit increase and the customer service agent mentioned to call back next week to talk to the credit underwriting department. I then asked what I should do on the webpage as I dont agree with the terms yet and she mentioned to exit out of the page. I then exited out of the webpage. 

When calling back on Monday ( XX/XX/XXXX ) and speaking to the credit department they mentioned that they automatically approved the card and will send it out ( without my permission or any mention on the webpage and the lady saying that exit out of the page and nothing will happen ) This is a fraudulent opening of an account in my name without my permission. The website design is misleading and designed to open accounts without permission

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 2020-12-29 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:
I am disputing the following account under FCRA : Accounts Receivable account # XXXX Experian refusing to investigate Please delete asap

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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: SC

Complaint narrative:
I needed these items removed or corrected per my request below. Each item lists the exact reason, and this information is taken directly from my credit report. These are irrefutable facts! XX/XX/XXXX didn't do anything after their investigation. My request has been looked over and I feel like I've been treated unfairly cause as a consumer I have rights and laws I have been broken XX/XX/XXXXXXXX XXXX XXXX # XXXX THIS ACCOUNT DOES NOT BELONG TO ME XX/XX/XXXX XX/XX/XXXX# XXXX THIS ACCOUNT DOES NOT BELONG TO ME XX/XX/XXXXXX/XX/XXXX# XXXX THIS ACCOUNT DOES NOT BELONG TO ME

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 2020-12-29 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: NY

Complaint narrative:
In XXXX and XXXX I noticed two inquiries placed on my credit report from Citibank/way and CBNA. I immediately contacted Citibank and CBNA informing them of fraud and I explained I never applied for credit from their companies. The Representatives ensured me that this dispute will be forward to Citibank and CBNA as fraudulent. The inquiry is still appearing on my credit report. I'm asking that this fraudulent inquiry be removed. I contacted these creditors and they did not do as promised.

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 2020-12-29 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 sent in a request to all three credit bureaus to have incorrect and inaccurate information removed from my credit report. I sent my request certified to make sure that Experian, XX/XX/XXXXand XX/XX/XXXX would receive it. According to the tracking information provided by XXXX XX/XX/XXXX XXXX tracking # XXXX ) received my request on XX/XX/2020. Experian ( tracking # XXXX XXXX received it XX/XX/2020 and XX/XX/XXXX XXXX tracking # XXXX XXXX received my request on XX/XX/2020. But even though it is confirmed through the postal service that my letter has been received by all three credit bureaus I have not received a response from anyone. There are medical bills, apartment collections, inquiries and other people 's names and addresses that are not mine and that are not valid but they continue to report on my credit file and impact my ability to obtain credit.

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 2020-12-29 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: Experian Information Solutions Inc.
State: RI

Complaint narrative:
****please see my attachment*** I'm a little concerned about the way you're conducting your investigation on the negative items that i've sent in the last 4-6 months. If you noticed on the attachments, you will clearly note that it's impossible that you open a true investigation into each of those companies listed, because they continue to report incomplete, inaccurate, and unverifiable information. Nothing has legally been sent to me to validate the accuracy of these accounts listed. I've contacted each of those companies as well and open an investigation with them, but they continue to give me numbers to contact the credit bureaus by either phone or mail or their website. These accounts are in violations of FCRA and FDCPA and many other consumer laws and therefore, it's impossible that you could say that you conducted a true investigation. I don't want a general investigation through your e-oscar. I need to know who you contact in each of those companies and what documents they legally provide to you and what was the method of 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 2020-12-29 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:
I am disputing the following account under FCRA : XXXX XXXX XXXX account XXXX Experian refusing to investigate Please delete asap

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Re : CFPB Nos. XXXX  and XXXX Ally Auto Account Nos. ending -XXXX  and -XXXX  For account number ending in XXXX, the account was paid on XX/XX/XXXX and then again on XX/XX/XXXX, this is supported by my bank. Ally shows no evidence of their claim of receiving it on XX/XX/XXXX and XX/XX/XXXX. No late fees were assessed and paid! ALLY 's response is an elaborate conjecture to include dates of notices sent to my official residence. I would expect notices of such importance to be sent via certified mail and therefore require a signature when received. To date, I have only received one letter to my home from ALLY. I hereby request all evidence of ALLY 's claims of dates of payments on this account. If ALLY is unable to do so, they must adjusted my account to show no late payments, and reported accordingly to the credit bureaus

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 2020-12-29 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: FL

Complaint narrative:
By this message I would like to ask you to recheck the information in my profile. I figured out the accounts that I do not recognize. I would like to clarify unknown accounts that appeared in my credit report. I think I am a victim of Identity theft so please check it and remove the accounts from my profile. Also please check my personal information as I believe somebody used my information. 

Thank you for understanding Looking forward for changes

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: U.S. BANCORP
State: PA

Complaint narrative:
On XX/XX/XXXX I received pandemic unemployment from the state of PA in the form of a visa debit card issued by ReliaCard. When attempting to activate the card I was denied access. I called unemployment and the treasury department where I was told there is no hold on the claim. On XX/XX/XXXX Reliacard sent a text message requesting a " selphie '', which I immediately sent. On XX/XX/XXXX, the card was still being denied. I immediately called, and was to fax SS, drivers license, 2019 tex return, and W2 form to fax number ( XXXX ). On XX/XX/XXXX I called again, since th card still would not activate. I was told then to fax it again, at 200 % magnifaction. I was then told the matter would be escalated and to call back in 10 business days. Ten days later I was told the hold remains and can not be lifted, with no instructions for recourse. PA treasury has issued the claims, as I have been able to successfully verify the amount on the card. Todate, I am still unable to activate the card. As of today, the debit card has over {$11000.00} issued in my name.

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