vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-29 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have sent a verification letters of some medical bills on XX/XX/2021 ( it's been over 90days ) and i did not get a response from Equifax, XXXX or XXXX. Also i sent another letter XX/XX/2021 ( it's been over 30 days ) to request a reply and i am being ignored again and again. I have not received any communication regarding this debt from these company, or a courtesy of replying to my letters and it is very frustrating. 
Section 611 ( a ) clearly states that failure to investigate these items within 30 days results in an automatic deletion from my credit report. 
Their negligence has caused me distress and is hampering my ability to obtain a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I contacted Barclay Bank and notified them that my credit card was used without my consent. I became aware of the fraud charge after Barclay Bank reported to my credit report that I was 30 days late making a payment. I asked them to remove the 30 days late and they refused over the phone conversation on XX/XX/2021 and XX/XX/2021. 

The charge was made by an online company called : 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 2021-10-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have reached out to XXXX and Trans Union about account XXXX/XXXX Acct # XXXX. This account is Fraudulent and in the name of " XXXX XXXX '' ; my name is not " XXXX XXXX ''. 

XXXX nor Transunion has not responded by sending me an adequate description of the re-investigation process not did they send me copies of any documents proving that the account is not fraudulent. 

I also have submitted a Federal Trade Commission Fruad affidavit to XXXX and TransUnion, ( Please see the current Federal Trade Commission Affidavit. Please attach it to TransUnion as well. I added it because I forgot to add XXXX/XXXX Acct # XXXX to the Federal Trade Commission Fruad affidavit # XXXX attached to CFPB report # 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 2021-10-29 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN

Complaint narrative:
XXXX XXXX eas notified from USAA to return funds in 10 days XXXX XXXX refuses to reply to fax from my bank, which faxed them on XX/XX/2021 to return funds in amount of XXXX in Error during transfer. The account number XXXX is not affiliated to me, and i have not done business with this bank XXXX XXXX. XXXX is not following procedures to refund another bank when requested in Error. my money is in a strangers account. I am not attached to that account so I am told by XXXX XXXX take it up with your bank, USAA has informed me to contact XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Loan Science, LLC
State: IL

Complaint narrative:
I recently received a collection letter. This debt has been disputed long ago and removed. This debt does not belong to me. The alleged debt was for a private student loan. The check was never received nor cashed. If the collection agency can not prove that the funds were BOTH disbursed AND cashed, BY ME, then it need to be removed. 

Additionally, the alleged debt is from XXXX - XXXX. The original company that the application was submitted to went out of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
As TransUnion is aware, Bankruptcy courts do not report to credit reporting agencies and have fraudulently obtained, and subsequently furnished, this information from a third-party source using my private personal information. With that said, they have violated various Code of Federal Regulations along with my consumer rights as follows : -5 USC 552a ( b ) - no agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent, of the individual to whom the record pertains ... TransUnion has done the contrary. 
- 12 CFR 1016.3 & 4- TransUnion has utilized my nonpublic personal information without reasonable basis and without notice. 
-15 USC 1681 ( b ) - TransUnion has furnished the referenced bankruptcy without permissible purpose. 

A letter regarding this matter has been sent via certified mail to TransUnion 's privacy and compliance officer.

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 2021-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
To whom it may concern : A certified mail debt validation letter for two accounts was delivered to PORTFOLIO RECOVERY ASSOCIATES on XX/XX/21 ( see attachments ), mailed copies of my letter to all three bureaus once I knew they delivered. PORTFOLIO responded in general statements, no other detail verifying the debt. They continue to contact me and send me statements ignoring my concerns. XXXX investigated the debt to be inaccurate and deleted PORTFOLIO. XXXX and XXXX updated my credit report leaving behind a total amount as the monthly amount owed. How is that possible? I have not seen or received any validation of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have sent a verification letters of some medical bills on XX/XX/2021 ( it's been over 90days ) and i did not get a response from XXXX, XXXX or Transunion. Also i sent another letter XX/XX/2021 ( it's been over 30 days ) to request a reply and i am being ignored again and again. I have not received any communication regarding this debt from these company, or a courtesy of replying to my letters and it is very frustrating. 
Section 611 ( a ) clearly states that failure to investigate these items within 30 days results in an automatic deletion from my credit report. 
Their negligence has caused me distress and is hampering my ability to obtain a house.

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 2021-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have called transunion numerous times to delete these unauthorized inquiries that I never gave consent to. Please delete 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 2021-10-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

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 2021-10-29 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have sent letters XX/XX/2021 calling equifax, XXXX and XXXX out because of the outstanding violation and unknown items that happened on my credit report. Over 30 days have passed and i still have not received any response. I feel like i am being ignored of my disputes. Section 611 ( a ) states failure to investigate these items within 30 days gives immediately reason to delete all these items from my credit report. Because my dispute was sent more than 30days, they should delete promptly. I demand those accounts to be deleted as soon as possible or i will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach that happened and my information may have gotten in the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hello, I've been trying to reach the different Bureaus by letter letting them know wich information its incorrect on my Credit report since a few months ago, I havent received an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: MA

Complaint narrative:
Disclaimer : I am submitting this complaint on my own and without the help of a third party company. 

As Equifax is aware, Bankruptcy courts do not report to credit reporting agencies and have fraudulently obtained, and subsequently furnished, this information from a third-party source using my private personal information. With that said, they have violated various Code of Federal Regulations along with my consumer rights as follows : -5 USC 552a ( b ) - no agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent, of the individual to whom the record pertains ... Equifax has done the contrary. 
- 12 CFR 1016.3 & 4- Equifax has utilized my nonpublic personal information without reasonable basis and without notice. 
-15 USC 1681 ( b ) - Equifax has furnished the referenced bankruptcy without permissible purpose. 

A letter regarding this matter has been sent via certified mail to Equifax 's privacy and compliance officer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
To whom it may concern : A certified mail debt validation letter for was delivered to MIDLAND FUNDING on XX/XX/21 ( see attachments ), mailed copies of my letter to all three bureaus once I knew they delivered. MIDLAND never responded, no other detail verifying the debt. They continue to contact me and send me statements ignoring my concerns. XXXX investigated the debt to be inaccurate and deleted MIDLAND FUNDING. XXXX and XXXX updated my credit report leaving behind a total amount as the monthly amount owed. How is that possible? I have not seen or received any validation of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: CA

Complaint narrative:
A prepaid card was opened in my name, and my identity was stolen, XXXX XXXX open a prepaid credit card account when I was in prison, I DID NOT OPEN THIS CARD ACCOUNT. I had a active credit freeze in place at time this account was opened in my name. I have filed a police report and filed Numerus disputes with experian, with no results. XXXX has removed this item from my report. XXXX Equafax & XXXX XXXX HAS REFUSED TO REMOVE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
To whom it may concern : A certified mail debt validation letter for was delivered to CMRE dated XX/XX/21 ( see attachments ), mailed copies of my letter to all three bureaus once I knew they delivered. CMRE never responded, no other detail verifying the debt. They continue to contact me and send me statements ignoring my concerns. XXXX and XXXX investigated the debt to be inaccurate and deleted CMRE accounts. XXXX updated my credit report leaving behind a total amount as the monthly amount owed. How is that possible? I have not seen or received any validation of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have sent letters XX/XX/2021 calling XXXX, XXXX and transunion out because of the outstanding violation and unknown items that happened on my credit report. Over 30 days have passed and i still have not received any response. I feel like i am being ignored of my disputes. Section 611 ( a ) states failure to investigate these items within 30 days gives immediately reason to delete all these items from my credit report. Because my dispute was sent more than 30days, they should delete promptly. I demand those accounts to be deleted as soon as possible or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach that happened and my information may have gotten in the wrong hands.

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 2021-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC
State: TX

Complaint narrative:
On XX/XX/2019 XXXX sent me a copy of an updated credit report. File Number XXXX. Many accounts were deleted from my credit file, and one of those accounts was ENCHANCED RECOVERY Acct. # XXXX. Approximately 2 weeks ago I was trying to get my house refinanced. I was told that there was derogatory mark on my XXXX Credit Report. I thought to myself, that's impossible. The same account that was deleted by XXXX, reappeared back onto my credit report. According to the FCRA this bureau is in VIOLATION for reinserting a deleted account back on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX i purchased on XXXX 80 pieces of new wooden dance floor for {$15000.00} paid by chase debit card it said " Estimated delivery : Thu. XXXX. XXXX - XXXX XXXX. XXXX Order number : XXXX '' on XX/XX/XXXX we requested from XXXX to get a refund since the item wasn't delivered yet they had the seller contacting us but we told him we dont need it any more. 
on XX/XX/XXXX they decided to close the case because there was no more activity from us ( we were not aware of this rule ) the day after that we called them and to them we were suprised by that. they reopened the case and decided in our favor but oddly after 2 days they closed the case again so we went and opened a dispute claim with chase on XX/XX/XXXX and they reimbursed us on XX/XX/XXXX they asked for more documents before we had time to take action the closed the claim against us on XX/XX/XXXX we tried to call them and talk to them multiple times and they kept saying that they got document from the seller showing the item was shipped and refused to send us the documents and 2 weeks ago they finally promised they will mail the document that the decision is based on and we will have a chance to provide document to the contrary that we did not get the item ; but as of today we have not gotten them in the mail here are the facts : on my XXXX page this item is not stated as shipped the item was in fact relisted with a different item number and was still listed like that as of 2 weeks ago the seller will not be able to provide a tracking number oddly this seller who listed multiple items for years on XXXX has stopped all selling in the last week or so. 

i would greatly appreciate your help in this situation. 
thanks XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I applied for a Capitol One Secured Master Card on XX/XX/2021 and XX/XX/2021. I received a response back from Capitol one that my application ( s ) had been approved. The email stated that I needed to pay only XXXX by XX/XX/2021 in order to receive my credit card. So, on XX/XX/2021 I reapplied for a Capitol One Secured Master Card again to see if I still was approved, only to get a response back that I was now no longer approved. I then called the Capitol One Customer service line on XX/XX/2021 to find out why I was no longer approved they said, that I would receive a letter in about ten days explaining why I was no longer approved. What I don't understand is how can I go from being approved on XX/XX/2021 and XX/XX/2021 to not being approved on XX/XX/2021 from XX/XX/2021 to XX/XX/2021 is only nine business days and from XX/XX/2021 to XX/XX/2021 that's only one month and twenty six days later. There was only one change to my XXXX Report because I applied for a Capitol One Card so, my score went down 3 points which should not have affected my score because I had checked prior to make sure that I would be approved be for applying for a card. It was the same situation with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
SOMEONE STOLE MY ID AND SOCIAL SECURITY NUMBER AND USED IT WITHOUT MY CONSET AND KNOWLEDGE. THEY USE MY ID TO OPEN PHONE BILLS IN MY NAME. THE PERSON ALSO RECIEVED MEDICAL ATTENTION UNDER MY NAME WITHOUT MY KNOWLEDGE. I AM WRITING TO REQUEST AND INITITATE A FORMAL COMPLAINT AGAINST XXXX, TRANSUNION, AND XXXX CRA & # XXXX XXXX. ON XX/XX/2020, I MAILED XXXX, TRANSUNION, 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 TO REFUSED TO BLOCK USAGE OF THESE FRAUDULENT ACCOUNTS BEING REPORTED. PLEASE CONTACT THESE AGENCIES AND INITITATE 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 VILOATIONS 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 2021-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
on XX/XX/16 I sent in letters to California XXXX XXXX and Midland Funding regarding accounts showing on my consumer report by them that I don't recognize and were never authorized by me. I sent in validation request and never received any response from neither company. They are not above the law and must respond to any consumer requesting information pertaining to any alleged debts.Its been more than 30 days and I'm left to assume that there is no validation and that these accounts can not be validated with proof because they don't belong to me. attached are my original letters. Attached are two more validation request that I have mailed out to each company. California XXXX XXXX certified receipt # XXXX and Midland funding XXXX

Company response to consumer: Closed with explanation