vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-06 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: PA

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 46 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored. Section 611 ( a ), plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 46 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the wrong persons hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
I contracted with XXXX for pest control services. XXXX used the wrong product and did not control my problem. They made a 2nd attempt but failed. I cancelled their service ( within 30 days of payment ) and notified them both by telephone and in an email that I was cancelling their service and requested a refund. They did not respond within 2 weeks so I filed a complaint with the credit card company that I used to pay them. The credit card company gave me a " conditional credit '' pending resolution. The credit card company allows 60 days for the billing company to respond but they did not do so within the time allotted. Therefore, the credit card company made my conditional credit a permanent credit. Months later, Nationwide Credit issued me a notice of attempt to collect a debt on behalf of XXXX. XXXX never replied to my credit card company and now they are harassing me through Nationwide Credit to ILLEGALLY attempt to collect a debt that is beyond the statute of limitations. 

Please issue a " cease and desist '' notice to both XXXX and Nationwide Credit. 
Thank you.

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 2021-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX XXXX  XXXX XXXX re-opened an account under my name. This time it was opened with Creditor : LVNV FUNDING LLC. This was supposed to be expunged after 7 years and it has been that amount of time. But it was re-opened. That is not fair, i am never going to get this off my record. Please look into this, i don't want this on my record another 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
I have informed the debt collector ( Convergent ) and the debt holder ( XXXX ) that their alleged debt is the result of identity theft. I have filled out XXXX fraud packet and submitted it to them. They have not removed the debt and repaired my credit. I have demanded that my credit be repaired and that has not been done.

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 2021-02-06 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:
There is information on my credit report that does not belong to me. Specifically, an account with XXXX XXXX ( account no. XXXX balance {$3500.00} ) and two ( 2 ) XXXX XXXX accounts ( account no. XXXX balance {$960.00} ; and account no. XXXX balance {$610.00} ). I can not count the number of times I have contacted these four ( 4 ) companies to report fraud and ask for these accounts to be removed. Yet, they continue to be listed on my credit report in violation of FCRA guidelines. I have already sent my FTC report to these companies and the accounts should have been removed a long time ago.

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 2021-02-06 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I did not authorize, consent, nor give permission for charges and transactions incurred on my Capital One account # XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-06 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: MS

Complaint narrative:
I have been disputing this account since XXXX. It was changed to charge off/ paid for less than full amount However that is NOT ACCURATE! 
It also reports different Closed Dates on all 3 of my reports, one report has XXXX, one has XXXX, and one has XXXX. The payment history is also inaccurate! Ive been fighting this for 2 years! Theres 2 different creditors being reported, though it may be the SAME COMPANY, the reports show One In Nevada and one shows XXXX. They only UPDATE it each time .... 
nothing about this account is ACCURATE!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 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: IL

Complaint narrative:
There is information on my credit report that does not belong to me. Specifically, an account with XXXX XXXX ( account no. XXXX balance {$3500.00} ) and two ( 2 XXXX XXXX XXXX accounts ( account no. XXXX balance {$960.00} ; and account no. XXXX balance {$610.00} ). I can not count the number of times I have contacted these four ( 4 ) companies to report fraud and ask for these accounts to be removed. Yet, they continue to be listed on my credit report in violation of FCRA guidelines. I have already sent my FTC report to these companies and the accounts should have been removed a long time ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 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: Self Financial Inc.
State: NY

Complaint narrative:
You are reporting negative information on my credit report which is extremely inaccurate. I have never made a late payment to your company. This is a violation of my rights of the FCRA, and I will be seeking legal action and compensation for this under 15 USC 1681. The inaccurate reporting of this account is an adverse action and a defamation of character. It has be on my report for too long. I HAVE NEVER MISSED A PAYMENT. XXXX  and XXXX reflect that as well. Please correct my XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 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: IL

Complaint narrative:
There is information on my credit report that does not belong to me. Specifically, an account with XXXX XXXX ( account no. XXXX balance {$3500.00} ) and two ( 2 ) XXXX XXXX accounts ( account no. XXXX balance {$960.00} ; and account no. XXXX balance {$610.00} ). I can not count the number of times I have contacted these four ( 4 ) companies to report fraud and ask for these accounts to be removed. Yet, they continue to be listed on my credit report in violation of FCRA guidelines. I have already sent my FTC report to these companies and the accounts should have been removed a long time ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
SYNCHRONY BANK XXXX XXXX re-opened an account under my name. This time it was opened with Creditor : XXXX XXXX XXXX. This was supposed to be expunged after 7 years and it has been that amount of time. But it was re-opened. That is not fair, i am never going to get this off my record. Please look into this, i don't want this on my record another 7 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 2021-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
Venmo charges : In XXXX of last year, I had {$14000.00} transferred into my acct from my brides for upcoming weddings ( I am XXXX  employed and have XXXX XXXX XXXX XXXX XXXX business ) I pay for my flowers using my Venmo card. They take out {$1000.00} every time I receive my flowers that goes towards my bill with XXXX XXXX. And they only take out when I receive flowers from them, not on any other days. On XX/XX/1921, XXXX and XXXX Venmo took out a {$1000.00} on each of these day but I didnt have any flowers delivered to me on those dates. I NEVER get flowers on a Friday, Saturday or Sunday. XXXX XXXX is not open on XXXX to deliver and they are closed on Sundays! ) The XXXX was on a Wednesday but I didnt have a wedding that week. They not only withdrew the money from my Venmo acct but also tried to reload from my personal banking acct as well. When they did this it caused my bank to have several overdraft fees not only from the money they tried to get but also caused checks I had written as well to overdraft. Along with taking out other transactions from my bank acct as a Venmo reload as well. I had more than enough money in my Venmo acct to cover all of these fees, so they were paying themselves twice for 1 transaction. I contacted Venmo, using the chat button because there is no way to call Venmo. XXXX said she could not find my transactions from my brides sending me money and I asked if maybe that was the whole problem. On XX/XX/XXXX, they froze my acct because they said I owed them {$840.00} on XX/XX/XXXX they gave me a temporary credit of {$1000.00} for each the XX/XX/1921, XXXX and XXXX transactions but they took out {$1000.00} for what they say I owed them for them leaving me {$2900.00}. Before they could take any more of the money, I transferred as much of it as I could out of the acct. But I could only send {$1000.00} to my bank acct, it would not let me transfer any of the remaining money. So I sent {$1900.00} to my XXXX and she then sent it to my bank acct using XXXX. I immediately closed my acct with Venmo and they finally sent me an email telling me after investigating they found no wrong doing on their part and I now owe them {$4000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 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: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
On or around XX/XX/2021 I filed a complaint about unauthorized charges to my joint account. 

The specialist XXXX XXXX XXXX took a report and described the initial process. She explained that a claim would be issued. The claim number provided was XXXX. She also indicated that a copy of the documentation would be available to me via email. By the way, I never received the form. 

A follow up message was sent on XX/XX/2021 to XXXX requesting an update. The information provided indicated that the claim was being processed. There was a mentioned of correspondence being sent to explain actions. 

The facts as follows : 1. Unauthorized use of card by merchant to renew membership products. 
2. Issuance of NSF fees due to XXXX 's approval. 
3. Dispute made to bank 4. Bank makes determination without providing customer with sufficient evidence of an investigation and policy application. 

The amounts in question are : XXXX  {$14.00} + NSF Fee ( {$36.00} ) XXXX {$39.00} + NSF Fee ( {$36.00} ) XXXX {$8.00} + NSF Fee ( {$36.00} ) The bank has sent threating letters and emails about closing the account. The frequency became overwhelming, almost every week. I consider these actions very oppressive and unethical. I will NOT close my account unless I am ready. It is your responsibility to respond to claims and disputes about banking matters. Lastly, I need to understand why are you deciding that my claim is not valid?

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 2021-02-06 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: AZ

Complaint narrative:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 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: AZ

Complaint narrative:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692.

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 2021-02-06 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: NY

Complaint narrative:
You are reporting negative information on my credit report which is extremely inaccurate. I have never made a late payment to your company. This is a violation of my rights of the FCRA, and I will be seeking legal action and compensation for this under 15 USC 1681. The inaccurate reporting of this account is an adverse action and a defamation of character. It has be on my report for too long. I HAVE NEVER MISSED A PAYMENT. XXXX and XXXX reflect that as well. Please correct my EXPERIAN 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 2021-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
PHOENIX FINANCIAL SERVICES LLC in the amount of {$1300.00}. 
XXXX XXXX XXXX in amount of {$100.00}. 
XXXX XXXXXXXX XXXX  in the amount of {$6700.00}. 

The following accounts above were open fraudulently. According to FCRA, these must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I understand Bank of America turned over personal information to the FBI recently so that that organization can monitor our purchases without our consent. I find this utterly staggering.

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 2021-02-06 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: DE

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department. Please block and remove all information from my credit report and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : 1. Account Name : XXXX XXXX XXXX Account Number : XXXX 2. Account Name : XXXX XXXX XXXX Account Number : XXXX 3. Account Name : XXXX XXXX XXXX Account Number : XXXX 4. Account Name : XXXXXXXX XXXX XXXX  XXXX Account Number : XXXX XXXX. Account Name : XXXX Account Number : XXXX 6. Account Number : XXXX XXXX XXXXXXXX, XXXX Account Number : XXXX 7. Account Name : XXXX XXXX Account Number : XXXX 8. Account Number : XXXX XXXXXXXX Account Number : XXXX Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. 

Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 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: TX

Complaint narrative:
I have an excellent payment history with my payment accounts, credit cards etc. It started last year that XXXXXXXX XXXX said they received information from Equifax that I have sever delinquencies. I reached out to Equifax and requested my free report which they said I couldn't view it on line because of security issues that it can be mailed. i went through the entire process and still a 6 months later no report sand it keeps telling me I already viewed it on lime. Then they reported Erroneous information and XXXX XXXX closed my account and wouldn't let me use my benefits that I paid for after I was affected by Corono virus. Now if all my accounts are paid on time and it shows that why did they drop my score and report mis information by 100 points. I have called them several times and no assistance. They also said I was breached and they are still allowed to report. I am ready to get an attorney and sue them. And they still haven't sent my report they are trying to make me pay for one.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 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: NY

Complaint narrative:
It has been 4.5 months since the request for investigation of verification and accuracy of data stated in my report on XXXX XXXX filed with Equifax. The investigation has been opened on XX/XX/2020. Yet, there is no result on reporting, documentation, or any verification of the ownership or debt. Instead, Equifax keeps giving runarounds and damages credit score. My other credit reporting bureaus managed to correct the problem. Not Equifax. 

However, Equifax continues keeping inaccurate information that hurts my FICO score. It prevents for renting or buying a property. 

According to the 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of disputed information. ( 1 ) Reinvestigation required. ( A ) In general. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer. ( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( C ), the 30-dayperiod described in subparagraph ( A ) may be extended for not more than 15 additional day sif the consumer reporting agency receives information from the consumer during that 30-dayperiod that is relevant to the reinvestigation.

( C ) Limitations on extension of period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified.

There has been no account with XXXX or its relation. In this case I demand interference of CFPB to enforce the rules on Equifax to delete an unverifiable account. The compliance is overdue in accordance with Federal Trade Commission ( FTC ) rules on the FairCredit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Company response to consumer: Closed with explanation