vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I sold two tickets for {$500.00} to a Venmo user for an event on XX/XX/21. The user attended the event and then disputed the payment on XX/XX/21 to also take their money back. I was not notified until Venmo defaulted judgement against me on XX/XX/21 and took money from my account. All that was there was {$20.00}, but they are attempting to collect the {$500.00} from me, and have placed my account on hold. I have reached out with emails disputing the dispute on XX/XX/21, XX/XX/21, and today, XX/XX/21. All attempts to reverse this fraudulent dispute have gone unanswered. I have also reached out to their web chat on XX/XX/21, but was told there was nothing they could do, and it needs to go through their dispute email address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
The creditor was not able to provide any form of documentation to verify this specific account with me. I am not looking for this complaint to be changed to a request for a dispute. Ive done that already. I am looking for this information to be DELETED per the FCRA. These creditors have had 330 days ) and ( 4 dispute letters sent ) to resolve this and they have failed. Now it is time to DELETE the accounts per the FCRA. Please do not close this complaint without resolving this completely. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX {$900.00}, XXXX XXXX XXXX XXXX {$110.00}, XXXX XXXX XXXX XXXX {$6200.00}, XXXX  XXXX  XXXX XXXX {$8500.00}, XXXX XXXX XXXX XXXX XXXX {$1100.00}, XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX {$0.00}. Each of these accounts are on my credit report. I have not applied for any of these accounts listed on this statement. I have spoke with an creditor for each of these accounts. Nothing has been done, I also have another unauthorized account on my report, the creditor name is unknown XXXX XXXX {$5900.00}. I have never used any of these accounts.I have never applied for these accounts.

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 2021-09-01 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: TX

Complaint narrative:
I XXXX XXXX, is submitting this complaint myself and there is no third parties involved I have been a victim of identity theft pursuant to 15 USC 1681c-2 the consumer reporting agencies must block and remove accounts/inquiries resulting from identity theft within 4 days the consumer reporting agencies failed to do so. My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained posessescision of goods, services, or money as a result of one or more of the transacations that I am seeking to block. The consumer reporting agencies are violating my consumer rights pursuant to 15 USC 1681 ( a ) ( 4 ) I the consumer has the right to privacy. The consumer reporting agencies are infringing upon my privacy. Pursuant to 15 USC 1681 ( 2 ) ( A ) ( I ) reports containing information solely as to transactions or experiences between the consumer and the person making the report is EXCLUDED from a consumers report. Pursuant to 15 USC 1681 ( 2 ) ( A ) ( B ) any authorization or approvals of specific extensions of credit is also EXCLUDED from a consumer report. The Consumer Reporting Agencies violated several laws under the FCRA. I am demanding that they remove / block the requested accounts and they compensate me for their violations or else I will be seeking legal action. Attached will be the Affidavit I sent to them as-well as my social, id, and invoice proving that I am who I say I am. I also want to remind the consumer reporting agencies that pursuant to 15 USC 1681a ( e ) the term investigate consumer report means to interview friends, neighbors, or associates of the consumer and a consumer reporting agency can not have any factual information on a consumers report. Yet their claiming they investigated my report knowing damn well they never interviewed any friends of neighbors of mine. I XXXX XXXX, formerly known as XXXX XXXX is fed up and will be seeking legal action please view the attached documents below. I am submitting this complaint myself and there is no third party involved. If the Consumer Reporting Agencies ( Equifax, XXXX, XXXX ) think about rejecting this request I am demanding that they sign an affidavit under penalty perjury!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello, This was added to my credit report in error of fraud. 
Please remove this immediately. 
Thank You XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  XXXX Contact XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXX ( XXXX ) XXXX Account Info Tap labels for more details Account number XXXX Collection opened Indicates the date the collection account was opened XX/XX/2021 Account type Collection Paid off : XXXX  % Balance on XX/XX/2021 Original balance {$250.00} {$250.00} Payment Info Original balance {$250.00} Balance {$250.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date

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 2021-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I tried phoning this company ( and others ) more than once about this issue. 
I am in enrolled in automatic payment, but the credit card statement doesn't say anywhere on the front page that this is the case. I don't use the card very often, and so I have to research every time I forget. Looking through my file, searching their fine print. This creates two profitable opportunities for the credit card company : XXXX. I pay the bill when it is already being deducted from my bank account, and they have the use of my money for probably 90 days. On a national scale, this is very profitable for a bank to do all year long. This is, after all, how banks make money. 
2. If I think I am still enrolled in automatic payment and neglect to pay the bill, they get to charge me a huge penalty and interest. Again on a national scale this is very profitable. This is the more insidious way that banks make money. 
Why are these companies allowed to not show this vital information on the front of their bill prominently? They used to do it!!! 
It is surely costing consumers, especially the elderly, money all across the country. 
THIS NEEDS TO APPLY TO ALL CREDIT CARDS!!!!!!

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 2021-09-01 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: MD

Complaint narrative:
I woke up to numerous accounts on my credit report that I have no connection to.I immediately called XXXX  and was informed I had to file a FTC report. So I then filed a FTC Report ( FTC # XXXX ) and sent it to XXXX, Equifax and XXXX  via USPS. XXXX  received my complaint on XX/XX/XXXX ( tracking number # XXXX ) XXXX  received my complaint on XX/XX/XXXX ( tracking number # XXXX ). Ive faxed Equifax my complaint and none of these entities has remove the fraudulent accounts. They are taking advantage of me as a consumer and dragging their feet with removing these account. 15 USC 1681c-2 states Block of information resulting from ID Theft within 4 days. It has now been 7 days and the fraudulent accounts are still on my report. My score has dropped over 100 points due to this. Equifax has even went as far as sending me a letter stating that pursuant to FCRA 605B ( c ), which is a very disrespectful and vague response being that they're not being specific to which subsection they are choosing to deny my demand pursuant to being that there's 3 different sections listed under that law. Furthermore, by providing such a vague answer they're not affording me a chance to rebut their statement directly.

Ive satisfied all the requirements pursuant to 15 USC 1681c-2 ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 )
the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CT

Complaint narrative:
This company is trying to collect funds from me I do not owe I have no idea who and why this company has put this information in my credit report this company has never contacted me nor have I ever has an account with them they have no right to put this account in my credit report. 

This company is a fraud and the account must be removed from my credit report

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Tried to resolve problem with the company. Company refuses to assist. Contact local precinct for assistance. Local precinct, provided steps to follow to have issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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:
The credit bureaus were not able to provide any form of documentation to verify this specific account with me. I am not looking for this complaint to be changed to a request for a dispute. Ive done that already. I am looking for this information to be DELETED per the FCRA. These creditors have had 330 days ) and ( 4 dispute letters sent ) to resolve this and they have failed. Now it is time to DELETE the accounts per the FCRA. Please do not close this complaint without resolving this completely. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I keep getting calls from navient for a debt that is not mine. The deb is for my now wife and her ex husband from before we were married. I was never on the loan and I have told them repeatedly to stop calling me. Every time they call, they ask for XXXX XXXX, who is my now wife 's ex husband. They refuse to take my number from their system and continue to harass me for someone I am not, and a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: FL

Complaint narrative:
On XX/XX/2021 I notified each credit bureau that I found accounts on my credit report that don't belong to me they are pretty old accounts but I am only noticing them now because I have not had any credit in the past and I would like to obtain credit now there are only two accounts reporting on my credit report and neither belong to me thats why I reached out to the bureau 's I also went to the FTC website and filled out an affidavit regarding the theft that has occurred. The bureau 's have not responded to my claim and I would like this issue to be resolved quickly. Please see attached letters sent to the credit bureau 's and a copy of the affidavit that I sent to the credit bureau 's.

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 2021-09-01 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:
On XX/XX/2021 I notified each credit bureau that I found accounts on my credit report that don't belong to me they are pretty old accounts but I am only noticing them now because I have not had any credit in the past and I would like to obtain credit now there are only two accounts reporting on my credit report and neither belong to me thats why I reached out to the bureau 's I also went to the FTC website and filled out an affidavit regarding the theft that has occurred. The bureau 's have not responded to my claim and I would like this issue to be resolved quickly. Please see attached letters sent to the credit bureau 's and a copy of the affidavit that I sent to the credit bureau 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
In the month of XXXX i paid the card off early and to a XXXX balance. I was charged a late fee but i paid it anyway because I didnt care about the fee even though it was paid early. Mow its showing a XXXX day late on my report which is hindering me from getting a mortage. I have obtained legal counsel to fight this violation of my fair credit reporting act, slander, and debt collection practice violation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: NC

Complaint narrative:
In the month of XXXX i paid the card off early and to a XXXX balance. I was charged a late fee but i paid it anyway because I didnt care about the fee even though it was paid early. Mow its showing a XXXX day late on my report which is hindering me from getting a mortage. I have obtained legal counsel to fight this violation of my fair credit reporting act, slander, and debt collection practice violation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In the month of XXXX i paid the card off early and to a XXXX balance. I was charged a late fee but i paid it anyway because I didnt care about the fee even though it was paid early. Mow its showing a XXXX day late on my report which is hindering me from getting a mortage. I have obtained legal counsel to fight this violation of my fair credit reporting act, slander, and debt collection practice violation

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 2021-09-01 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: LA

Complaint narrative:
I've sent Letter last XXXX It's almost 60 days now and doesn't have a response yet. I am a victim of Identity Theft and someone used accounts or personal information without my permission. I was so stressed. I already contacted credit bureaus and furnishers. I need help with this issued.!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. 
I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that CREDIT MANAGEMENT would verify the debt. So I took it upon myself to ask CREDIT MANAGEMENT for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XXXX XXXX, 2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
The creditor was not able to provide any form of documentation to verify this specific account with me. I am not looking for this complaint to be changed to a request for a dispute. Ive done that already. I am looking for this information to be DELETED per the FCRA. These creditors have had 330 days ) and ( 4 dispute letters sent ) to resolve this and they have failed. Now it is time to DELETE the accounts per the FCRA. Please do not close this complaint without resolving this completely. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
SPS It not showing or applying paid off loan amount of $ XXXX on loan XXXX and is refusing to refund escrow amount of {$1700.00} for a loan that has been paid off at XXXX XXXX XXXX XXXX Ca 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 2021-09-01 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: Santander Consumer USA Holdings Inc.
State: VA

Complaint narrative:
On ( XX/XX/2019 ) I was a part of a consumer credit transaction this wasn't disclosed. Upon discovery I realized that I was Fraudulently damaged. 
Due to ( DEBT AND DEBT COLLECTOR XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) Credit reporting is optional, there is no law in the US which says a transaction has to be reported to a consumer reporting agency. You will be civically liable if you do not reply because congress states credit reporting is optional. 

Under title 15 USC 1681n civil liability for willful non compliance -Any person that willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in the amount equal to the sum of ( A ) Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) In the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00} whichever is greater

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: HCFS Healthcare Financial Services of TeamHealth
State: NC

Complaint narrative:
On XX/XX/2021 I received a call that identified the organization as the XXXX XXXX ( XXXX ). I did not answer the call, and a voicemail was left saying they were in fact HRRG ( a debt collection agency ). The number they called from was XXXX. I am attaching screenshots of the caller ID and the VM transcript identification info for reference. This is misleading and harassment. This is also the second time this agency has contacted my number using a false identifier in the caller ID.

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