vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-19 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC.
State: WA

Complaint narrative:
I was contacted by Evergreen XXXX XXXX. Many times. I was dealing with COVID.. I had issues paying bills. I had gotten lots of assistance. I told them I would work on repaying the Director would not work with me. 
They CALLED MY PARENTS AND THREATENED THEM. I can not believe they would stoop that low. 

I am finding out what I can do about harassment. This is crazy!

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 2021-07-19 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: TX

Complaint narrative:
I've been a victim of 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
Consumer complaint received 2021-07-19 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: TX

Complaint narrative:
I've been a victim of 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
Consumer complaint received 2021-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
Someone stole my identity and opened many accounts without my permission or authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PENTAGON FEDERAL CREDIT UNION
State: NY

Complaint narrative:
Someone stole my identity and opened many accounts without my permission or authority.

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 2021-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Someone stole my identity and opened many accounts without my permission or authority.

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 2021-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Someone stole my identity and opened many accounts without my permission or authority.

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 2021-07-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Io, Inc.
State: MD

Complaint narrative:
Dear CFPB, Below this line is the response I received from RECEIVABLE MANAGEMENT SYSTEMS to my complaint cfpb file : XXXX-XXXX  " Thank you for reaching out to our firm. We have reviewed your account. Upon review of your account, the itemized bill that was sent to you on XX/XX/20 is from the original creditor, XXXX XXXX in regards to the services received. Our firm has also requested additional documents from XXXX XXXX and upon receipt of requested documents, will be mailed to the consumer at the listed address in this complaint. Please contact our firm directly should you need further assistance in resolving this matter '' It has been more than 7 months that I have been expecting RECEIVABLE MANAGEMENT SYSTEMS to do the right thing and send me validation of the debt they claim I owe. Or at least delete this erroneous account which is detrimental to my consumer report. Please review the attached file to note that this account is still on my credit report and hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: NY

Complaint narrative:
Someone stole my identity and opened many accounts without my permission or authority.

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 2021-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Someone stole my identity and opened many accounts without my permission or authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Transunion has deleted one of my good standing paid off auto accounts. Inspite of all the letters that I have sent to TransUnion over the last couple of month. I have been ignored by Transunion. Please review the attached document that shows that this account is in good standing and have been paid in full. The decision of Transunion to deleted it it detrimental to my consumer report and my ability to obtain credit.

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 2021-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Someone stole my identity and opened many accounts without my permission or authority.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-19 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: TN

Complaint narrative:
I XXXX XXXX XXXX, rights of privacy have been violated and breached by this bureau which could be a direct violation of federal law. This bureau is reporting incorrect data on their site and according to the government law, it is the bureau 's GRAVE Obligation to guarantee reasonableness, unbiasedness, and a regard for the consumer 's right to privacy. This bureau is additionally in infringement of federal law by putting inaccurate accounts on their site without my authorization.

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 2021-07-19 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: VA

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 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 also impacted by the Equifax, XXXX  and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: TN

Complaint narrative:
I XXXX XXXX XXXX, rights of privacy have been violated and breached by this bureau which could be a direct violation of federal law. This bureau is reporting incorrect data on their site and according to the government law, it is the bureau 's GRAVE Obligation to guarantee reasonableness, unbiasedness, and a regard for the consumer 's right to privacy. This bureau is additionally in infringement of federal law by putting inaccurate accounts on their site without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
On XX/XX/2021 I attempted to complete a Consumer Credit Transaction with XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Exercising my Federal Consumer Rights in pursuant to title 15 chapter 41, consumer protection laws, my right were unlawfully violated with the denial of my credit. I am the original creditor, I am A Natural Person, I am a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX  and XXXX  are reporting 9 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 4th dispute letters to XXXX  and XXXX  since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd

Complaint narrative:
I am not getting amount of {$300.00} from the XXXX XXXX though he has paid via wise. He has made two transactions : XX/XX/2021 -> {$150.00} -> Trace ID XXXX XX/XX/2021 -> {$150.00} -> Trace ID XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: TX

Complaint narrative:
On XX/XX/ I sent Experian, XXXX, and XXXX  a letter stating that I wanted the detrimental accounts listed on my credit report reinvestigated. They received these letters on or about XX/XX/2021. XXXX  responded well within the allotted time. Experian  and XXXX  however did not ... even as type up this complaint on XX/XX/2021 at XXXXXXXX XXXX 60 days later they still have not responded. On XX/XX/ 49 days after my initial letter I sent them another letter saying they had completely taken the allotted time as outlined in the FCRA and to delete the accounts I asked to be reinvestigated. Experian received my letter on XX/XX/ at XXXX XXXX. As of XXXXXXXX XXXX XXXX at XXXX XXXX  XXXX  still has not received my letter. I know this because I sent them certified. And I will provide photos of all this as well. At first I was not going to file this complaint because i said to myself, " I know they deal with a lot of paperwork and a lot of disputes so I'm going to give them the benefit of the doubt. '' But as I thought on it more as
d as more time went by I came to the conclusion that there is no excuse for this that even 60 days later they have not said nothing to me at all. They have rules and guidelines to follow just like anyone else. XXXX followed them so these two bureaus should as well.

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 2021-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I entered a consumer credit transaction with this organization and extended them my credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail carrier or any person affiliated with the mail service or comes in contact with the envelope thats alleging I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to NCRA one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: NC

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 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 also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have disputed a bankrupcy on my credit via online and in the mail. Transunion is the only credit bureau that cotinues to claim they have verified this bankruptcy. I have sent out a letter requesting physical proof or signature that this is my bankruptcy. They have failed to do so but have sent me a letter saying the verified the information thru the courts. So I made an appointment and went to the courthouse to obtain my own prtoof that this is not my case. In addition it's against the law to put incorrect information on someones credit. So this is my last complaint because the next step is filing in court so transunion can provide proof that they legally verified this claim. Whats sad is EVERYONE knows that the court does not provide information to third parties. None of the creditors listed are on my credit report because they saw that the accounts were created fraudulently.

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 2021-07-19 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: TX

Complaint narrative:
On XX/XX/2021 I sent XXXX, XXXX, and Equifax a letter stating that I wanted the detrimental accounts listed on my credit report reinvestigated. They received these letters on or about XX/XX/2021. XXXX  responded well within the allotted time. XXXX  and Equifax however did not ... even as type up this complaint on XX/XX/2021 at XXXX XXXX  60 days later they still have not responded. On XX/XX/2021 49 days after my initial letter I sent them another letter saying they had completely taken the allotted time as outlined in the FCRA and to delete the accounts I asked to be reinvestigated. XXXX  received my letter on XX/XX/2021 at XXXX XXXX. As of XXXX, XXXX, 2021 at XXXX XXXX  Equifax still has not received my letter. I know this because I sent them certified. And I will provide photos of all this as well. At first I was not going to file this complaint because i said to myself, " I know they deal with a lot of paperwork and a lot of disputes so I'm going to give them the benefit of the doubt. '' But as I thought on it more as
d as more time went by I came to the conclusion that there is no excuse for this that even 60 days later they have not said nothing to me at all. They have rules and guidelines to follow just like anyone else. TransUnion followed them so these two bureaus should as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PDQ Services, Inc.
State: GA

Complaint narrative:
PDQ Collections sent me a notice of collections in XX/XX/2020. I disputed the debt within the 30-day timeframe they required. I obtained the fax number to the collection agency and faxed a dispute form stating I didn't owe the debt. This dispute form was faxed to PDQ on XX/XX/2020. Instead of holding the file, they reported the debt to the credit bureaus, thus negatively impacting my credit. 

I have filed a complaint with the Attorney General 's office as well siting both PDQ and XXXX XXXX XXXX. PDQ violated FDCPA regulations and XXXX XXXX 's behavior ( running unnecessary tests on a patient 's biological specimens ) behavior which is both unethical and unprofessional. XXXX, the debt is only {$100.00}, I refuse to pay a debt I do not owe. It has taken a lot of time dealing with the situation ; however, the conduct of both PDQ and XXXX XXXX must be confronted and reported or they will continue this bad behavior negatively impacting many people and their families in the worst way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: MO

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 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 also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: NJ

Complaint narrative:
There are a few accounts on my credit report I do not recognize

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 2021-07-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I'm being asked and threatened by USAA to answer personal questions and I whole heartedly disagree with having to reveal information like net worth, I feel that's 100 % just for marketing reasons but yet they're threatening revoking access to my accounts ... I haven't had a single other bank ask these questions and I feel USAA is going too far to collect information they don't need and will only abuse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation