vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have several accounts missing from my XXXX  credit report : - XXXX - XXXX XXXX ( authorized user ) - XXXX - XXXX  XXXX ( authorized user ) - XXXX - XXXX XXXX  ( authorized user ) - XXXX - XXXX ( authorized user )

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 2021-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have submitted several complaint to Transunion. Transunion sent me a response that they deleted this change off on XXXX/XXXX/20. it still has not been removed from my credit file. As well as XXXX  & XXXX  are reporting this incorrectly. I submitted method of verification to credit reporting agncies and they do not provide explanation of verification

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 2021-01-23 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: IA

Complaint narrative:
On XXXX/XXXX/2020, I disputed multiple fdcpa violations on my credit report and TransUnion has not responded or remedied the situation. Congress states under 15 U.S. Code 1692 ( d ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. 

These accounts are ruining my reputation and it is also defamation of character.

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 2021-01-23 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: NJ

Complaint narrative:
I had identity theft and a fraudulent hard inquiry on my credit report on XX/XX/2020. XXXX ( XXXX XXXX was the lender involved, and Equifax was the Credit Rating Agency. I have tried multiple times to have the inquiry removed, but it has been extremely difficult to do so. Equifax insists that I must have a deletion letter sent from XXXX to Equifax to have the inquiry removed. However, given I am not a client of XXXX, it is extremely difficult to get in touch with them. For example, almost every XXXX # of XXXX that I call, an automated system asks me for my credit card #, account #, or social security #. The only problem with this is that I have no accounts with XXXX, thus it is extremely difficult to get in touch with them over the phone, making it impossible to have them contact Equifax. Despite this, I was able to reach the correct department at XXXX twice in the last six months. Each time, they assured me that they will reach out to Equifax to have the inquiry removed. I even received two separate confirmation letters in the mail from XXXX that two separate requests to Equifax had been made, one in XXXX and another in XXXX. Still, Equifax insists that they have received nothing and says there is nothing they can do to remove the inquiry. I filed a dispute directly with Equifax in XXXX, and the results of the dispute report, once again, that I must speak with the lender to resolve the issue. 

So it is a Catch 22 for me. I can't have a hard inquiry removed from my credit report unless I ask the lender to contact the Credit Rating Agency. And it is next to impossible to get in touch with the correct department at the lender given I am not a current client. Meanwhile the hard inquiry remains, adversely affecting my credit rating, and I have spent many many hours on the phone over the past 6 months trying to have this issue resolved. 

Attached are two letters I have received from XXXX as well as a result of my Equifax dispute in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 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: IA

Complaint narrative:
On XXXX/XXXX/2020, I disputed multiple fdcpa violations on my credit report and Equifax has not responded or remedied the situation. Congress states under 15 U.S. Code 1692 ( d ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. 

These accounts are ruining my reputation and it is also defamation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I have been unemployed due to the Pandemic for roughly 10 months. I also have a disability which precludes me from securing certain types of work. Most credit card companies have been supportive during this time, but a couple were not. Late fees, reports to credit agencies etc. I told one in particular that I was waiting for Unemployment assistance and that the threats needed to stop. They didnt. Eventually, they sent the debt to a collection company which has contacted several members of my family, including some I havent spoken to in some time.

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 monetary relief
Consumer complaint received 2021-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: FL

Complaint narrative:
NOT A DUPLICATE : I can not consider this case closed because Cash app reverse their decision on my fraudulent claim and debited my Cash app. My Cash app balance is - {$750.00}. 

I am appealing their decision for a disputed transaction from Cash App dated XX/XX/XXXX through XXXX XXXX XXXX. 
Cash App debited {$750.00} from my XXXX XXXX banking account that they initially returned ( {$750.00} ) to my account due to fraudulent activity on XX/XX/XXXX ( ref : XXXX : ref ). 

I am a XXXX y/o widow. My service-connected husband of 44 years of marriage, served in the XXXX XXXX, died XX/XX/XXXX ( 6 years ago ). I live alone and I manage all my affairs by my self. 

However, I am asking for your mercy to reverse your decision and credit my account of {$750.00}. As stated in my initial claim letter, I downloaded a " XXXX XXXX XXXX XXXX '' app that gave the hacker access to my Cash App account. At that moment, I believed this " fake '' XXXX XXXX agent was a legitimate XXXX XXXX agent. 
It is unfortunate that this hacker has no respect for the elderly and willfully exploit them. 
I immediately notified Cash app of the fraudulent claim and they returned the money to my account. However, on XX/XX/XXXX, Cash app reversed their decision and debited my XXXX XXXX account to collect the {$750.00}. 

I am on a fixed income and I need my {$750.00} to pay bills. I must save for emergencies as well because I am a widow and do not have the financial support of my husband. 

I am educating myself on recognizing fraudulent activity, such as phishing, which also happened to me. 

Thank you in advance for reversing your decision and return {$750.00} to my XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV

Complaint narrative:
Company contacted my parents, in-laws, etc to attempt to settle a pending legal action regarding a debt my wife owed. They recited my wifes personal identifying information and included her SS number. They claimed they were collecting a debt that my wife had settled in 2008. They included a paper that indicated their agency was called XXXX XXXX Located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia with a phone number of XXXX ( XXXX ) XXXX. XXXX searches seem to point towards this number being report as a scammer. I am reporting this because the company seems legit enough to know my wifes SS number and old prior state drivers license number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WINNPOINTE CORPORATION
State: CA

Complaint narrative:
y husband and I signed the refinance closing disclosures with Interactive mortgage on XX/XX/XXXX for $ XXXX yr. It was a no fees no cost loan. We also wrote a check of {$130.00} to cover the difference between the payoff amount and the new loan. The loan did not fund until XX/XX/XXXX. So, in the mean time I paid my monthly mortgage of {$2300.00}. On XX/XX/XXXX, XXXX XXXX, the loan processor, called me to esign a new closing disclosure that {$250.00} was going to me. Well, I received by XXXX the new closing disclosures and a check of {$2000.00}. The new closing disclosures had a charge called principal reduction of {$250.00}. I should get a check of {$2300.00} from Interactive mortgage since I paid my loan between XXXX and funding. 

I contacted XXXX XXXX by email and phone several times to resolve this issues. She said the {$250.00} is deducted from the first mortgage statement. I told her that did not make sense since the new lender sent email saying my first payment is what its supposed to be. I even contacted XXXX XXXX, the loan officer, and he said its not his department and referred me to the manager saying he will contact me. I have not heard anything from the manger since nor from XXXX XXXX about this issue. 

Bottom line is there is a discrepancy in the new loan disclosures. What I put into this loan is not what I getting back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 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: IN

Complaint narrative:
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

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 2021-01-23 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: IN

Complaint narrative:
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I had identity theft and a fraudulent hard inquiry on my credit report on XX/XX/2020. CBNA ( Citibank ) was the lender involved, and XXXX was the Credit Rating Agency. I have tried multiple times to have the inquiry removed, but it has been extremely difficult to do so. XXXX insists that I must have a deletion letter sent from CBNA to XXXX to have the inquiry removed. However, given I am not a client of CBNA, it is extremely difficult to get in touch with them. For example, almost every 800 # of Citi that I call, an automated system asks me for my credit card #, account #, or social security #. The only problem with this is that I have no accounts with CBNA, thus it is extremely difficult to get in touch with them over the phone, making it impossible to have them contact XXXX. Despite this, I was able to reach the correct department at CBNA twice in the last six months. Each time, they assured me that they will reach out to XXXX  to have the inquiry removed. I even received two separate confirmation letters in the mail from Citibank that two separate requests to XXXX had been made, one in XXXX and another in XXXX. Still, XXXX insists that they have received nothing and says there is nothing they can do to remove the inquiry. I filed a dispute directly with XXXX in XXXX, and the results of the dispute report, once again, that I must speak with the lender to resolve the issue. 

So it is a Catch 22 for me. I can't have a hard inquiry removed from my credit report unless I ask the lender to contact the Credit Rating Agency. And it is next to impossible to get in touch with the correct department at the lender given I am not a current client. Meanwhile the hard inquiry remains, adversely affecting my credit rating, and I have spent many many hours on the phone over the past 6 months trying to have this issue resolved. 

Attached are two letters I have received from CBNA as well as a result of my XXXX dispute in 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 2021-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: MI

Complaint narrative:
I had a credit account with XXXX credit. I could not pay the balanced owed, so in XXXX of 2020, XXXX wrote off the debt as bad debt. A charge off. My credit score has gone down.The only way I can improve my credit is to give the past due bill to XXXX, and not a debt collector.Paying a debt collector will not improve my credit and I will still owe XXXX. How can I owe Rausch Strum collection agency any money when I did not incur the debt with them? How can I be sued when XXXX has written the debt off as bad debt? Rausch Strum isn't listed anywhere on my credit report. I did not even know I was being sued until a summons appeared on my door. I never entered into an agreement with them.

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 2021-01-23 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: Phoenix Financial Services LLC
State: AL

Complaint narrative:
I have filed multiple complaints on the Creditor accounts included. None have ended with any resolve. I have filed police reports and sent them to credit bureaus along with supporting documents of ID theft packages and these accounts continue to appear after 3 rounds of disputes. XXXX refuses to remove the erroneous accounts listed in the reports previously provided to them nor have they updated my report to block the items in question. XXXX XXXX XXXX is reporting a fraudulent account despite several disputes on my behalf for this to be removed. Phoenix Financial has also been informed. This bill has been previously disputed when it was being reported by a different creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: WA

Complaint narrative:
I never signed a contract with this company. I have reached out directly to this company numerous times as well as the three major credit bureaus asking them to provide VERIFIABLE PROOF THAT THIS IS MY DEBT. They have been ignoring my letters which is grounds for deletion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I had a credit account with Paypal credit. I could not pay the balanced owed, so in XXXX of 2020, Paypal wrote off the debt as bad debt. A charge off. My credit score has gone down.The only way I can improve my credit is to give the past due bill to paypal, and not a debt collector.Paying a debt collector will not improve my credit and I will still owe Paypal. How can I owe XXXX XXXX collection agency any money when I did not incur the debt with them? How can I be sued when Paypal has written the debt off as bad debt? XXXX XXXX isn't listed anywhere on my credit report. I did not even know I was being sued until a summons appeared on my door. I never entered into an agreement with them.

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 2021-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated
State: VA

Complaint narrative:
complaint id XXXX CONSUMER ADJUSTMENT CO XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX collection company for the following! 
Orignally on my credit report XX/XX/2020, as XXXX  XXXX XXXX. 
Now on my report as : XXXX XXXX XXXX  {$960.00} same amount and account number! 
I have certified mailed, a identitytheft.gov report to all involved. Your investigation, they have said there isn't activity. Which is false. Still on my credit report

Company response to consumer: Closed with explanation