vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-14 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have been submitting disputes for SEVERAL MONTHS NOW against the accounts that these three bureaus keep posting in my credit report. I have reason to believe that these accounts are all INACCURATE and UNVERIFIED information but they keep showing up in my report. They have not shown any legal evidence to prove that these accounts were made by me or owned by me in those months that I have been asking for proof or any signed agreement. I asked for legal advice and was informed that what they are doing is against my rights and is not compliant with the FCRA/FDCPA. This has been causing me tremendous stress and mental anxiety, not to mention FINANCIAL concerns especially in these times of pandemic. They have not been very helpful in resolving these matters and I have been contemplating on taking them to court to resolve this, however, it would be more helpful for me to have the accounts corrected SOONER rather than later and thus, the main reason for me giving them, literally, ONE MORE CHANCE to do the right thing and REMOVE all these inaccurate and unverifiable information from my credit report. I hope you could help me to shed light to them regarding the matter. Thank you and hope to hear from you soon!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: AMERICAN EXPRESS COMPANY
State: AR

Complaint narrative:
On XX/XX/21 I received a stimulus check on my american express serve card. On XX/XX/21 I went to try and withdraw money from my card and was denied. Went into a grocery store and was denied too. Called the customer support number and they automated system said my account was locked. Every time I call them I can't get through to someone

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My bank account is Chase Bank my checking account number is XXXX. Bank routing number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Name of the bank is Chase Bank located in XXXX XXXX XXXXXXXX. I am dear client my name XXXX XXXX. My XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX. 
deleting on the bank is retaliating on me for taking out for reporting them for taking money out of my account they have withdrawed over {$450.00} out of my account I did a withdrawal eight times from my bank account which should have left a balance of XXXX into the checking account but when I look XXXX dollars the bank of no intention to return back the money. As well as their retaliating on me for reporting them for taking money from out of my account they have consecutively look to steal money from my account with no disregards for their fiduciary duties and no disregards for coming ethics as well as disregarding the FDIC knowing that they can have financial discipline action taken against them for looking to steal money from out of client 's phone but actually accessing my personal bank account and withdrawing money not fees but actually withdrawing {$450.00} out of my account is a blatant robbery slapping me in the face to show me that they are a bank and they have no regards in regards to any guidelines or any discipline actions that can be taken by the FDIC against them for looking to go against their fiduciary duties and to commit fraud against their client and to show me that they while I'm out of the country can arrest and stress and also try to make my life in a more economic hardship way given the fact I'm out of the country during the time of Corona and have no way to go to them and speak with them they are taking multiple levels of advantage as well as constantly stealing money from the account. So I'm making this complaint because if they touch my money with a one or 10 time I will discipline them one or 10 time until they get it that day are supposed to do their duties and do their fiduciary job and not steal from their clients. 10 times I did withdrawal from my account so I was able to notice that the bank was taking money from the accounts. All of this toke place in this month of XXXX from the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: MI

Complaint narrative:
Cavalry Portfolio Service A collection account has been misreported on my credit reports XXXX, XXXX XXXX, and XXXX Ive disputed all three credit bureaus certified mail XX/XX/XXXX, XX/XX/XXXX in response Cavalry SPV I , LLC sent a response on XX/XX/XXXX with the enclosed verification of your debt I requested for verification, I ve requested this company to provide me with my original signatures and proof my agreement was with their company, instead Cavalry SPV I , LLC, sent copies of a statement, which verifies or validate nothing. I demanded this company on XX/XX/XXXX via certified mail again to provide me with physical proof of contract with signatures : Company responded to me on XX/XX/XXXX In acknowledgement of the dispute we have requested that consumer agencies report the account as disputed. Company also sent on XX/XX/XXXX stating they received my claim of possible identity theft. Ive never sent any letter of claim to Cavalry SPV I , LLC stating identity theft. I ask for validation/verification which they have reported to all the three major credit bureaus and all they have provided me is with copies of statements. Ive requested removal from all credit reporting copies if they are unable to provide me copies with original signatures I owe their company and verifiable proof. However this information still remains on three of my credit report files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-14 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have been submitting disputes for SEVERAL MONTHS NOW against the accounts that these three bureaus keep posting in my credit report. I have reason to believe that these accounts are all INACCURATE and UNVERIFIED information but they keep showing up in my report. They have not shown any legal evidence to prove that these accounts were made by me or owned by me in those months that I have been asking for proof or any signed agreement. I asked for legal advice and was informed that what they are doing is against my rights and is not compliant with the FCRA/FDCPA. This has been causing me tremendous stress and mental anxiety, not to mention FINANCIAL concerns especially in these times of pandemic. They have not been very helpful in resolving these matters and I have been contemplating on taking them to court to resolve this, however, it would be more helpful for me to have the accounts corrected SOONER rather than later and thus, the main reason for me giving them, literally, ONE MORE CHANCE to do the right thing and REMOVE all these inaccurate and unverifiable information from my credit report. I hope you could help me to shed light to them regarding the matter. Thank you and hope to hear from you soon!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 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: NY

Complaint narrative:
There are thirty hard inquiries on my Transunion report that I do not recognize. They are as follows : XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXXl Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXXXXXX XXXX  Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX  XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX  XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXXt Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXXXXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXXXXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXXXXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXXXXXX 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 2021-03-14 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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 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: TX

Complaint narrative:
None of my accounts are reporting to Equifax. Ive called my lenders and have been told that they report to all three bureaus. Equifax has yet to correct the issue and this is causing my account to seem as if I have not established any credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 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: PA

Complaint narrative:
The bureaus are reporting false inquiries made by people who were trying to steal my identity. There are hard inquiries on my record that do 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 2021-03-14 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: PA

Complaint narrative:
The bureaus are reporting false inquiries made by people who were trying to steal my identity. There are hard inquiries on my record that do 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 2021-03-14 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: PA

Complaint narrative:
The bureaus are reporting false inquiries made by people who were trying to steal my identity. There are hard inquiries on my record that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Keep getting numerous phone calls from Portfolio Recovery Associates. Repeated phone calls once a day, or some debt that is not mine. I tell them to stop calling. But they keep on calling regardless.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I am the victim of identity theft. I noticed this account on my report in or about XX/XX/XXXX, I notified the company that this was not my account. It was expained that this was opened in XXXX. I explained that it is not my account and I was a victim of identity theft. I called daily over a span of 30 days, with no avail. I fianlly spoke to a supervisor Ms. XXXX on XX/XX/XXXX. I expalined that I had previously sent over all supporting docs and to remove this off my credit report immeditately. She explained that it could take up to 90days. I explined this was not accepatable and this was not my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 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: MI

Complaint narrative:
Collection accounts has been misreported on my credit report. 
with XXXX, Trans Union, and XXXX. Ive disputed with all three credit bureaus certified mail XX/XX/XXXX, AND XX/XX/XXXX, and previous times in XXXX. I'VE I ask for validation/verification for the following : XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXXy. Ive requested to see Verifiable proof with an original consumer contract with my signature on it. Under FCRA unverified accounts must be removed. XXXX Trans Union and XXXX failed to do any of the requested.I was sent investigation results : VERIFIED as Accurate without any supporting requested documents. Ive been in a number of breaches date breaches regarding XXXX and XXXX This has had negative impact on my credit scores. 

Ive requested removal several times through all the companies if they are unable to provide me copies with original signatures However this information still remains on my credit report as of

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 2021-03-14 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: MI

Complaint narrative:
Collection accounts has been misreported on my credit report. 
with XXXX  XXXX XXXX, and Equifax. Ive disputed with all three credit bureaus certified mail XX/XX/XXXX, AND XX/XX/XXXX, and previous times in XXXX. I'VE I ask for validation/verification for the following : XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX Ive requested to see Verifiable proof with an original consumer contract with my signature on it. Under FCRA unverified accounts must be removed. XXXX  XXXX XXXX and Equifax failed to do any of the requested.I was sent investigation results : VERIFIED as Accurate without any supporting requested documents. Ive been in a number of breaches date breaches regarding XXXX and Equifax.. This has had negative impact on my credit scores. 

Ive requested removal several times through all the companies if they are unable to provide me copies with original signatures However this information still remains on my credit report as of

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: MN

Complaint narrative:
To whom it may concern, im writing you today in regards to this incorrect Jefferson capital account that's hurting my credit report. Account number XXXX. I have reached out to them numerous times to resolve this matter but to no avail. I will show you evidence that the account amount is incorrect there for should be removed from my credit report by following the fair cares act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovered Associates continue to report this debt from XXXX  XXXX which is from a account with a original default date of 2010. This account is being reported and has been report consistently and illegally. I spoke with a agent and advised the statue of limitations have expired and this account has to be removed from all reports. Despite my request it has continued to be reported and that is wrong and illegal. Id like these to be removed immediately and cease false reports that have negative impacts on my credit and finances. Ive never received a debt validation from the original creditor because they know it shows a date of 2010! Its been almost 11 years like really this is insane and unfair and unjust and illegal. This account should be closed indefinitely and never resold or reported again. This is my final request before seeking a legal service because calling gets me nowhere but a mediocre supervisor with lies perhaps this communication will get me a real director or manager from the company who will review this account and see what Im referring too. Id definitely want proof of documentation as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX continue to report this debt from capital one which is from a account with a original default date of 2010. This account is being reported and has been report consistently and illegally. I spoke with a agent and advised the statue of limitations have expired and this account has to be removed from all reports. Despite my request it has continued to be reported and that is wrong and illegal. Id like these to be removed immediately and cease false reports that have negative impacts on my credit and finances. Ive never received a debt validation from the original creditor because they know it shows a date of 2010! Its been almost 11 years like really this is insane and unfair and unjust and illegal. This account should be closed indefinitely and never resold or reported again. This is my final request before seeking a legal service because calling gets me nowhere but a mediocre supervisor with lies perhaps this communication will get me a real director or manager from the company who will review this account and see what Im referring too. Id definitely want proof of documentation as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Bureau of Fort Walton Beach, Inc
State: AL

Complaint narrative:
I decided to check credit score and try and get loan or credit card. But instead found this out. I can't get card or loan cause of debt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 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: NC

Complaint narrative:
Over the course of a year and after several phone conversations and letters with Equifax regarding several consumer credit transactions showing on my reports " still '' showing up, have refused to remove them. Per 15 usc 1681b ( 2 ) In accordance with written instructions of the consumer to whom it relates. I never gave them permission to furnish these accounts on my behalf no consent is Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 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: NC

Complaint narrative:
Over the course of a year and after several phone conversations and letters with Transunion regarding several consumer credit transactions showing on my reports " still '' showing up, have refused to remove them. Per 15 usc 1681b ( 2 ) In accordance with written instructions of the consumer to whom it relates. I never gave them permission to furnish these accounts on my behalf no consent is Identity Theft.

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