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

Complaint narrative:
On the XX/XX/2020 I was sent a letter by cavalry stating they purchase the debt from the original creditor and I had 30 days to dispute the validity of the debt. I responded back with 2 validation letters in accordance to the letters that was sent on XX/XX/2020 and XX/XX/2020 from their company. I ask them to provide the original contract, amounts that they say is owed, transactions, signatures, and license to legally allow them to collect in my state. None of those items I requested were provided. In addition to that, they stated that the dispute that was sent was lacking specific information and they couldn't conduct a investigation. This was very confusing because I specifically ask for them to provide the original contract, amounts that they say is owed, transactions, signatures, and license to legally allow them to collect in my state. The final straw was when they said they will respond in writing in 150 days from the letter that was sent. Not only have they violated my rights as a consumer but also the rights under FDCP ACT. They have affected my ability to purchase an home due to their inaccurate and false reporting which has resulted in my credit score being negatively impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Never received or knew anything about this debt from this Agency until I pulled my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have reached out to the bureaus on XX/XX/2020 and I haven't received any type of indication/notification of the investigation being worked on. I feel like i'm being taken advantage of at this point. I notice according to the FCRA these inaccurate unverifiable items must be deleted immediately. It's been well over 30 days I just want these problems resolved.

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 2020-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX I have requested several times to REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My SS XXXX and my is DOB XXXX. I have attached my SS Card and DL for proof of ID. I HAVE A UNRECOGNIZED ACCOUNT THAT I HAVE REQUESTED REMOVE DO TO FRAUD RELATED ISSUES. PLEASE DELETE : XXXX XXXX XXXX # 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 non-monetary relief
Consumer complaint received 2020-12-12 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: FL

Complaint narrative:
I received an email stating that a charge was made on Walmart for {$6100.00} for a TV that I did not order. There was a phone number listed to call to confirm or deny the charge. It was a Walmart phone number XXXX and a person with all my spoke had such a thick accent I could not understand her and she would not put someone else on the phone. She said there were three different numbers that could have been used but couldnt tell what credit card that was used. None of it made sense. I contacted the two most likely credit cards and that amount had not shown up. The Order # isXXXX. Txn id is XXXX. Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX I have requested several times to REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My SS XXXX and my is DOB XXXX. I have attached my SS Card and DL for proof of ID. I HAVE A UNRECOGNIZED ACCOUNT THAT I HAVE REQUESTED REMOVE DO TO FRAUD RELATED ISSUES. PLEASE DELETE : XXXX XXXX XXXX # 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 2020-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX I have requested several times to REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My SS XXXX and my is DOB XXXX. I have attached my SS Card and DL for proof of ID. I HAVE A UNRECOGNIZED ACCOUNT THAT I HAVE REQUESTED REMOVE DO TO FRAUD RELATED ISSUES. PLEASE DELETE : XXXX XXXX XXXX # XXXX

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

Complaint narrative:
I have disputed the inaccurate information found on my credit report regarding the XXXX XXXX 's XXXX XXXX XXXX, however it does not seem as though they have been fully investigated. I believe fraudulent activity is occurring regarding this account because the credit union never paid any money on my behalf or to me and were never actually out of any money. They have written off the account and sold the account to a collection company, so they have been paid on the account, however they are still reporting and updating a balance every month as if I owe them. To my understanding, this is considered a violation because it would have to have a {$0.00} balance. On top of that, when I have called the credit union to resolve the issue, they tell me they can not speak to me or perform any actions regarding this account because they no longer own it and I should have or will be contacted by the agency who owns it. I have requested to have this information removed immediately because it is a violation of my rights and is negatively impacting me. One of the bureaus actually took the time to investigate this and already removed the information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GreenSky, LLC
State: NC

Complaint narrative:
15 U.S. Code 1692b ( 2 ) This is an alleged debt that is furnished on my credit report which means youre stating that I owe this debt. This is not my debt you do not have the right to publish anything on my credit report without my consent. Violation 15 U.S. Code 1681 b ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. XXXX XXXX the consumer never gave any written instructions to Green Sky Loans on this alleged debt. 

This is sample of my communication towards Green Sky through the Credit Bureaus Please be advised this is my THIRD WRITTEN REQUEST. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Comerica
State: CA

Complaint narrative:
Atm withdrawal of XXXXdollars on XXXX XXXX,2020 .XXXX XXXX california.never replace.XXXX XXXX2020.direct express debit card.master card.stolen my social security money.XXXX  and XXXX  XXXX dollars.from me XXXXchange phone message.can not use pin number.this wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: NJ

Complaint narrative:
This complaints goes back to XX/XX/2019 when I disputed a charge of {$1500.00} made by XXXX XXXX XXXX in XXXX XXXX, New Jersey for their incomplete work done on the XXXX XXXX XXXX  in my XXXX. My credit card company refused to honor it claiming I needed third party verification even though my car was returned the second time. I have been in touch with their corporate office who claimed their workmanship and repairs are guaranteed for 24 months. In any event they charged back the {$1500.00} which is still in dispute in the court. In the interim this card company has been unconscienable. They not only have ruin my outstanding credit record of over 50 years, they are taking the money that I sent them for my initial purchases which amounted to {$330.00}. Instead of giving me credit for these payment, for the last 12 months they have been charging me late fees of {$39.00}. My account due as of XX/XX/XXXX, went from {$1800.00} to {$2200.00}. When I realized what they were doing, I stopped making payments.

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 2020-12-12 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: NY

Complaint narrative:
I've mailed multiple letters out demanding the inaccurate information on my credit report be fixed. XXXX  has negated to acknowledge I am submitting these complaints. I have supplied appropriate proof of identity to show it is me ( XXXX XXXX ) submitting these complaints. XXXX  's automated message is a disgrace and they are not taking the time to make sure the consumer complaint is being handled the right way. Equifax and XXXX  have failed to produce results from their investigation. The items mentioned in the letters attached need to be deleted and I need to be provided the updated credit report showing they are removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DISCOVER BANK
State: NC

Complaint narrative:
15 U.S. Code 1692c ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector. I XXXX XXXX the consumer never gave the debt collector Discover consent to contact XXXX XXXX about my alleged debt. Violation ( 1 ) At any usual time or place or a time place known or which should be known to be inconvenient to the consumer. Discover emailed XXXX XXXX regarding the alleged debt of XXXX XXXX at times that were inconvenient. Violation 15 U.S. Code 1692b ( 2 ) This is an alleged debt that is furnished on my credit report which means youre stating that I owe this debt. This is not my debt you do not have the right to publish anything on my credit report without my consent. Violation 15 U.S. Code 1681 b ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. XXXX XXXX the consumer never gave any written instructions to Discover on this alleged debt.

Documents attached Exhibit A The Discover Symbol. This is a violation of 15 USC 1692b. ( 2 ) and 15 USC 1692f. ( 8 ) Exhibit B Threating with a law firm ( 15USC1692i ) Exhibit C - 15 U.S. Code 1692b ( 2 ) This is an alleged
debt that is furnished on my credit report which means youre stating that I owe this debt. This is not my debt you do not have the right to publish anything on my credit report without my consent. Violation Exhibit D violation 15USC 1692b ( 2 ) Not my debt Exhibit E violation 15 US Code 1692 C ( a ) Contacting XXXX XXXX about my alleged debt without permission.

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

Complaint narrative:
Looking over my credit report and notice there were fraudulent accounts that does not belong to me and never authorized any contracts and business with these companies. The following accounts are listed below : XXXX XXXX XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # 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 2020-12-12 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: OK

Complaint narrative:
I put in the same exact dispute information to Equifax over incorrect or fraudulent addresses on XX/XX/XXXX, XX/XX/2020,XX/XX/XXXX. 
The resolution was that they were to be deleted I had called in to Equifax before the 10 month about it, they asked me the security questions that was on my profile. He then put in the same dispute as well after he told me he couldn't go in automatically and delete it himself. 

On XX/XX/XXXX. The resolution was to have those address deleted. Today is the XX/XX/XXXX. 
I called in again since now it has been well over 30 days to delete those from my account. 
I answered the same security questions and didn't pass even though I was looking dead off at my online credit report as I normally do when dealing with Equifax. 
She tried to tell me and then deny that she had asked me a so called security question that did not even pertain to my credit report over asking me if I ever had another credit card in the past even when I listed to her what all CC accounts I had. I had listed the credit limit and the monthly payment. 
She then tried to tell me that I needed to send in a copy of my id and social security number. I told her they had it already on file. She then asked me when I sent it in. Told her I couldn't remember since it was such a long time ago when I sent it from this exact address. 
She then replied instantly it wasn't on file ( Doubt she even looked being that quick ). 

I am tired of fighting with Equifax every time I turn around. They are the worse company to work with and they do not abide by government laws. They are outsourced to the XXXX when they should be American based!!!! 
All I want them to do is update and DELETE those addresses from my credit report!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
They have a hold on my money and it's been a week and every time I go to claims they give me a different answer and have me doing the work to recoop what they already have. I am so done with bank of america. I had just over XXXX dollers in my account and they are holding XXXX of it .its been a week..I need this money now.

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 2020-12-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I've mailed multiple letters out demanding the inaccurate information on my credit report be fixed. XXXX  has negated to acknowledge I am submitting these complaints. I have supplied appropriate proof of identity to show it is me ( XXXX XXXX ) submitting these complaints. XXXX 's automated message is a disgrace and they are not taking the time to make sure the consumer complaint is being handled the right way. XXXX  and TransUnion have failed to produce results from their investigation. The items mentioned in the letters attached need to be deleted and I need to be provided the updated credit report showing they are 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 2020-12-12 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: NY

Complaint narrative:
I've mailed multiple letters out demanding the inaccurate information on my credit report be fixed. Experian has negated to acknowledge I am submitting these complaints. I have supplied appropriate proof of identity to show it is me ( XXXX XXXX ) submitting these complaints. Experian 's automated message is a disgrace and they are not taking the time to make sure the consumer complaint is being handled the right way. XXXX  and XXXX  have failed to produce results from their investigation. The items mentioned in the letters attached need to be deleted and I need to be provided the updated credit report showing they are 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 2020-12-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Consumer Adjustment Company Incorporated
State: CA

Complaint narrative:
In mid XX/XX/XXXX I paid a debt owed from XXXX XXXX Hospital through XXXX XXXX XXXX. In XX/XX/XXXX I received a collection notice on my credit report from XXXX XXXX XXXX for this debt which I have already paid. I never received a notice by phone or in writing from XXXX XXXX XXXX concerning this debt. On XX/XX/XXXX I saw that the FTC ruled in a judgement against XXXX XXXX XXXX that they are to remove all parked debt from credit reports. This has not happened. In addition, the debt has been moved to Consumer Adjustment Company, Inc. This was done to circumvent the FTC 's ruling.

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

Complaint narrative:
Looking over my credit report and notice there were fraudulent accounts that does not belong to me and never authorized any contracts and business with these companies. The following accounts are listed below : XXXX XXXX XXXX  XXXX XXXX  # XXXX, XXXX  XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX , XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX

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

Complaint narrative:
Looking over my credit report and notice there were fraudulent accounts that does not belong to me and never authorized any contracts and business with these companies. The following accounts are listed below : XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX  XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX 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