vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TekCollect Inc.
State: TX

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, TX XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious TEK-COLLECT INC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, TX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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: FL

Complaint narrative:
my personal information was used by an unknown person and i can not understand how they get a hold on my information, i am certain i did not authorized any of it. i am filling a report requesting that all listed debt that does not belong to me be blocked and removed indefinitely from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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:
XXXX {$0.00} Closed Unknown payment history XXXX XXXX XXXX {$0.00} Closed Unknown payment history XXXX XXXX XXXX {$0.00} Closed Unknown payment history no payment history fcra can't just report the bad must report the good also all 3 paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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 — Problem with personal statement of dispute
Company: Fidelity National Information Services, Inc. (FNIS)
State: OH

Complaint narrative:
XXXX XXXX XXXX is still reporting a charge off to ChexSystems from XX/XX/2016. The reporting is listed in a negative context as a charge off status within the report. The negative balance of {$320.00} was resolved with the third-party collections firm utilized for collection by XXXX XXXX XXXX. Per the discussion and agreement with the collection company, this would not be listed or reported in any way to my credit report including ChexSystems. Neither XXXX XXXX XXXX nor the collection company has upheld their commitment to not report negative information and/or remove negative 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 2021-01-27 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: TN

Complaint narrative:
I HAVE NOT RECEIVED UPDATE ON THE INVESTIGATION, ALSO THEY HAVE BROKEN THE LAWS WITH REPORTING. EQUIFAX AND XXXX have violate the PHIUnder HIPAARules. XXXX is health informationinany form, including physical records, electronic records, or spoken information. Therefore, XXXX includes health records, health histories, lab test results, andmedical bills. I did not give you permission to share my treatment cost, nor do you ave a HIPAA authorization form to report my medical information. This is a direct violate of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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: WA

Complaint narrative:
On XX/XX/XXXX, I saw an alert on my Experian Credit Report about a rental inquiry for an XXXX. I immediately called XXXX XXXX XXXX at XXXX. They told me that XXXX XXXX XXXX requested the screening. XXXX XXXX XXXX number is XXXX. I immediately called them. XXXX answered the phone and I told him about my situation. My wife asked to speak to the manager. They both told us that they would take care of it. XXXX admitted that he ran my name because another applicant had a similar name. He also stated that my name popped on the computer because I did apply for a XXXX XXXX XXXX but that was back in XX/XX/XXXX. He told me that he would fix the problem. He called back and said that I had to talk to XXXX. Their number is XXXX. I talked to Experian about having it removed. I called XXXX and I called XXXX. I was told by Experian that XXXX XXXX XXXX should fix this for me. I was directed to you all so you can help me get this off of my credit report. The report number is 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 2021-01-27 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Conduent Incorporated
State: AL

Complaint narrative:
I XXXX XXXX card freezes every other use.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: U.S. BANCORP
State: VA

Complaint narrative:
I can not get U.S. Bank to remove me from their mailing list ( email offers ) for various accounts I have with them. I contacted them in XX/XX/2020 and subsequently followed their advice to make all of the proper settings on their website. The emails started again in XXXX and after a fairly worthless exchange of emails I followed their advice and called their customer service number. The agent was polite and responsive. After a modestly lengthy " hold '' period she told me she " thought '' the problem had been solved. Yesterday I received yet another email for the credit card ending " 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 monetary relief
Consumer complaint received 2021-01-27 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: TX

Complaint narrative:
In 2017, my XXXX XXXX Credit Card ending in XXXX was stolen from my office. Purchases and fraudulent payments were made that allowed the thief to exceed the credit limit. I filed the attached sheriffs report. The card was canceled, charged off, and then one year later a fraud investigation was performed in my favor. The amount was reduced and I could not afford the lump sum. I had great credit rating and was paying card off monthly after XXXX treatments. One year exceeds the requirement to do a fraud investigation. XXXX XXXX doesn't care. So I am left with a lump sum I can not pay plus a negative credit score that will remain even if I pay settlement amount. THIS IS UNFAIR! Plus the Credit Reporting Agencies just shuffle paper and do not investigate for accuracy and completeness.

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 2021-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
This complaint concerns the recent arrival in the mail of a new American Express credit card to replace my current one that is expiring next month. I received a new card in the mail but, without providing disclosure, Amex upped my card to its Platinum level. I read the enclosed literature but there was nothing that said my card level had been increased or that the yearly fee was now much larger than my previous card. I went ahead and activated the card but then got on the Amex website and, after a lot of effort, found that the yearly fee for the new card was {$500.00}, whereas I believe my previous card was around {$150.00}. So what has occurred is, I believe, an improper upsell-type operation. Amex increased the level and yearly fee without disclosure of any type. Had I not done the research I would not have known until they charged me that amount. 
I am only seeking an investigation into the Amex upsell practice as described here. I would think this happens to a lot of its customers. To be clear, at this point I have suffered no known monetary loss and am not seeking any refunds. Indeed, I was quickly able to downgrade to a no-fee card. I just believe the practice Amex engaged in was improper, unethical, and anti-consumer because it was not disclosed up front.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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: AZ

Complaint narrative:
I do not understand why I have to keep submitting the affidavit and disputes to Equifax in one year. The first time was XX/XX/XXXX the second XX/XX/XXXX and the third was XX/XX/XXXX. We are now at the of XX/XX/XXXX and Equifax has still not DONE ANYTHING!!!!!!. XXXX  has already fix the issues why hasn't Equifax makes no sense. 
They are keeping me from opening an account with XXXX  XXXX XXXX because they have yet to conclude my fraud case. I have sent in the affidavit several times, so why is this taking over a year to complete? 
These are not my collections on my report and I have sent in proof they are not. If this is not taking care of I SUE!!!!! .. There is no excuse for this and why it hasn't been taking care of.. 

FIX IT NOW!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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: TX

Complaint narrative:
XXXX {$0.00} Closed Unknown payment history XXXX XXXX XXXX {$0.00} Closed Unknown payment history XXXX XXXX XXXX {$0.00} Closed Unknown payment history no payment history fcra can't just report the bad must report the good also all 3 paid in full

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 2021-01-27 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Dear Portfolio Recovery Associates, I have requested you to provide competent evidence of my alleged ownership of disputed false account XXXX but you failed to provide any competent evidence of the alleged debt. Please investigate the alleged transactions on the alleged statements and other facts and delete as I have no knowledge of this false account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: State Collection Service, Inc.
State: NJ

Complaint narrative:
I was contacted via text message regarding a debt that was owed. I went to download the file linked in the text message and was unable to put in the password to open the document. 

I know for a fact that I do not owe any debts that would be in collections. I have since deleted the file off of my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I purchased a used vehicle at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX and told them ONLY run my credit with XXXX XXXX XXXX. I got the loan through XXXX no problem. BUT THEY RAN MY CREDIT THROUGH 3 MORE BANKS. 

Now I have inquiries for years I did not authorize.

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 2021-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: NJ

Complaint narrative:
In XXXX, I rented a XXXX XXXX XXXX and paid monthly, then quarterly payments in a sufficient timely manner ( auto pay from XXXX, then auto pay from online banking ). For some reason they had a hickup in colllecting and missed a month or two in " XXXX ''. When I caught up ( for around {$36.00} in payments ) they hit me with a {$900.00} late fee. I questioned and resolved shortly thereafter. Each time I renewed the lease on the machine, I asked, and they assured me, that my account is up to date, paid in full. So I continued with the rental program every few years until one day, in XX/XX/XXXX, they asked me to return the machine because I owed them money. I was surprised and confused. The people at XXXX said they terminated my contract and, my account was XXXX. I returned the machine and then a credit collection agency started hounding me for {$1200.00}. I never had this problem. This person XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) asked me to prove payments from XXXX and that she would resolve the account. I sent her the evidence and she then said my contract is owed through XXXX ( recall, I was forced to return the machine ). Threats are not something I am used. Her tone was abusive. She can ruin my credit and possibly place a judgement against me. THIS IS TANTAMOUNT TO CONSUMER FRAUD. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
PayPal closed my account no reason at all and will not help me get it back up and going Im not sure if its a mistake as I assume it has to be I have not been able to get help from then for months but I just realized i could file a report on here as I feel they are not doing there job properly in its affecting me during this pandemic covid 19 And it has been more a 180 days my email is linked to my paypal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
On XX/XX/2020 the Small Business Administration initiated a hard inquiry on on my personal credit report. This inquiry was not authorized as I was applying for grants that were being made available to small businesses due to COVID. This inquiry was not authorized and I request that it be deleted from my Experian credit report immediately.

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 2021-01-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I have called JPM Chase 3 times in the past 3 months looking to update our car loan with them. My deceased wife was the owner of the loan and each time I've called Chase they have put me in touch with a problem resolution team who say they will mail me a letter and this has never occurred. I want to in good faith continue paying the loan and also retitle the loan to myself, yet they have been of zero assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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:
Pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), Pursuant to 15 USC 1681b ( a ) ( 2 ), Pursuant to 15 USC 1681c2 ( a ) ( 2 ), MY RIGHTS AS A FEDERAL PROTECTED CONSUMER HAVE BEEN VIOLATED. NO CONSENT IS IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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: UT

Complaint narrative:
I have been disputing items on my credit report with ALL 3 of the bureaus and NONE of them have responded to me. I have been denied financing and it is because there are errors on my credit report that THEY are reporting! I have contacted the Attorney General in their state of operation and you, the CFPB should be ensuring that they are doing what they are supposed to do under the law. They need to remove the errors I have been disputing!

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 2021-01-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), Pursuant to 15 USC 1681b ( a ) ( 2 ), Pursuant to 15 USC 1681c2 ( a ) ( 2 ), MY RIGHTS AS A FEDERAL PROTECTED CONSUMER HAVE BEEN VIOLATED. 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
Consumer complaint received 2021-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
An alimony check was lost in the mail. So i stopped payment with the bank on XX/XX/2021 check number # XXXX and paid the fee. The check appeared in the mail and my Ez cashed the check and Citizens bank honored the check. Now my account is in the ( - ) and i have written other checks since this time. I have notified the person ( s ) who are expecting monies from me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
Repeated calls stating I owe a debt. When ask to whom and for how much they ask me for my social security number. According to CA law I requested a written original copy of debt and have never received ... ..they have been calling for over a month, several times a day and refuse to identify themselves or any other information unless I give them my social security number. Their identification on my phone shows up as " Credence ''. This has got to stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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: UT

Complaint narrative:
I have been disputing items on my credit report with ALL 3 of the bureaus and NONE of them have responded to me. I have been denied financing and it is because there are errors on my credit report that THEY are reporting! I have contacted the Attorney General in their state of operation and you, the CFPB should be ensuring that they are doing what they are supposed to do under the law. They need to remove the errors I have been disputing!

Company response to consumer: Closed with explanation