vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
On XX/XX/2021, XXXX XXXX, a mortgage lending credit and Verification service, was working with me and XXXX XXXX to verify that I am not disputing the debt with Portfolio Recovery. We are trying to verify and remove comments of disputes in order to finish for clear to close on my VA loan for a new home. Portfolio was very aggressive when we talked to them to the put that they did not want to verify that I was not disputing in their system unless I pay, they eventually said I was not disputing after talking to a supervisor then back to the agent. Comments were removed by XXXX XXXX and XXXX. Recently starting XX/XX/XXXX and XXXX, we have found Portfolio Recovery adding comments that I am In dispute Account Information disputed by consumer ( FCRA ) when they know from me and XXXX XXXX that I am not disputing the debt and lying on my report that I am. This is holding up my ability to complete my mortgage and clear to close on the house. I now have to contact XXXX  again to remove the comment and I have already told XXXX  on XX/XX/XXXX. I believe they are not following the FCRA and are in violation putting incorrect information onto my credit report. This has loss of cause time, stress, money, and my credit score for trying to complete the home purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
On XXXX. XXXX, 2021, I made a reservation at a XXXX for a five night stay which totaled to {$2000.00}. The payment was processed through my PayPal account. I ended up canceling the reservation due to my family and I testing XXXX XXXX  XXXX and having to XXXX. I emailed the host about my refund due to their policy with COVID, but they only refunded {$140.00} on XXXX XXXX2021 which is the cleaning fee.I continuously contacted XXXX and the host for my refund but they declined. I currently have a negative balance of {$1900.00} on my PayPal account. Also, I contacted PayPal to dispute the charge and they did a provisional credit. The {$1900.00} was reversed back into my account on XXXX, 2021 meanwhile it was under investigation. On XXXX, 2021, my account was charged {$1900.00} which is at a negative balance. I pleaded to both parties and PayPal that I am unemployed and I was affected by the virus but they refused to process my refund.

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 2021-08-22 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: TX

Complaint narrative:
After viewing my credit report. I saw that there were multiple fraudulent accounts. I have reached out to the credit bureaus for help and there has been no relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22 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: NY

Complaint narrative:
Failed to notate account in dispute way over 35 days

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 2021-08-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: MO

Complaint narrative:
Cain and Weiner is a debt collections company used by XXXX XXXX XXXX XXXX. 
Caine & Wiener been contacting myself and stating a company that I was affiliated with owed a much larger balance to the original creditor. They stated the balance was a certain amount and in fact the actual amount is much lower.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22 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: GA

Complaint narrative:
My federally protected Consumer rights were violated because Equifax furnished false information without my written consent. I never gave Equifax any written instructions to furnish anything on my Consumer 's report. No consent is Identity Theft and infringement on my Consumer 's right to privacy. Based off Equifax violating my consumer rights I am unable to apply for any Consumer credit for my personal as well as my business. These violations are hindering me from purchasing a mortgage and vehicle for my family. Furthermore, I have been humiliated as well as dealing with XXXX and XXXX  because of these results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I began to get alerts notifying me that someone was applying for credit using my social security number. I have not applied for nothing. These companies reviewed my credit without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I filed several disputes with Equifax to investigate and correct the payment status on my credit report for account " Attorney General - Child Support '', but got no results. All my payments are current and was never late at any month XXXX. ( please see payment records from the Attorney General showing that my payments are paid on time and never late since XX/XX/XXXX ), but now Equifax is showing that I was late 60 days in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. ( please see attached ). 

I contacted the Child support office several times and they assured me that they file my account as current and never reported late payment status for those months. If that's true then why all three credit agencies report that I was late 30-60 days during year XXXX. ( please see attached copy of my credit report from all three agencies showing that I was late in various months in XXXX ). 

This is very very critical error and will have devastating effects on my career and everything else if my employer or prospect employer run my credit report, so it needs to be corrected ASAP. I've been calling and talking to the child support office and Equifax for the last few months now and it's getting worse instead of fixing the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22 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: TX

Complaint narrative:
I began to get alerts notifying me that someone was applying for credit using my social security number. I have not applied for nothing. These companies reviewed my credit without my permission.

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 2021-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I contacted Citibank on several occasions attempting to close my Citi AAdvantage credit card, most recently on XX/XX/2021. After verifying my identity, the customer service representative did not provide a reason why the account could not be closed. Instead, she said that a letter would be emailed. The balance on the account is {$0.00} since the card has never been activated due to possible fraud warning. I previously received verification letters in the mail in XX/XX/2021 requesting my social security and signature but contacted Citibank to let them know that I was not comfortable sending this information via mail. I've been a previous identity theft victim. Citibank has refused to close the account.

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 2021-08-22 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: GA

Complaint narrative:
My federally protected consumer rights were violated because Transunion furnished false information without my written consent. I never gave Transunion any written instructions to furnish anything on my consumer 's report. No consent is Identity Theft and infringement on my Consumers right to privacy. Based off Transunion violating my Consumer rights, I am unable to apply for any Consumer credit for my personal as well as my business. These violations are hindering me from purchasing a mortgage and vehicle for my family. Furthermore, I am humiliated as well as dealing with XXXX and XXXX  because of these results.

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 2021-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Navy Federal is a Corporation that continues to pursue an allege debt that I've requested a cease and desist. They are reporting the debt to all three consumer reporting agencies. XXXX, XXXX, and XXXX without my authorization which is considered identity theft according to Federal law United State Code. Also, XXXX XXXX you have ask for my social security number for fraudulent purposes is a felony pursuant to 42 USC 408 ( a ) ( 8 ) ( 9 ). You closed my credit account without my permission and according to 15 USC 1602 ( p ) The term '' unauthorized use, '' as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. Also, according to 15 US Code 1611- Criminal liability for willful and knowing violation. Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( A ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more that {$5000.00} or imprisoned not more than one year, or both.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Data Systems
State: FL

Complaint narrative:
This collection office is attempting to collect TWO accounts in my name that do not I never authorized to be open. I have attached an ID theft report with the details. Please see the attached documents. I will expect this information to be removed from my reports within 4 business days from Monday, XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One is a Corporation that continues to pursue an allege debt that I've requested a cease and desist. They are reporting the debt to all three consumer reporting agencies. XXXX XXXX, and XXXX  without my authorization which is considered identity theft according to Federal law United State Code. Also, Capital One you have ask for my social security number for fraudulent purposes is a felony pursuant to 42 USC 408 ( a ) ( 8 ) ( 9 ). You closed my credit account without my permission and according to 15 USC 1602 ( p ) The term '' unauthorized use, '' as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. Also, according to 15 US Code 1611- Criminal liability for willful and knowing violation. Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( A ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more that {$5000.00} or imprisoned not more than one year, or both.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22 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: LA

Complaint narrative:
THE BALANCE ON MY XX/XX/XXXX/XXXX VISA ACCOUNT IS INCORRECT. PLEASE UPDATE WITH CORRECT 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 2021-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Excuse me. My name is XXXX XXXX. My cell phone is XXXX. DOB is XX/XX/1984. XXXX Last 4-digital is XXXX. Address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX. My email address is XXXX. My identity theft. Today I found Someone use my SSN information applay many creditcards. But my English is terrible. I am outside USA Now. I contacted customer service by phone, but it is unsuccessful. I tried to add fraud alert through the experian website, but it was unsuccessful, because the thieves stole my identity information, changed my experian membership account password, email, and username. And unlocked my credit report ( $ XXXX/month ). The thieves used my information to apply many creditcards, and my credit report added 3 hard pulls.

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 2021-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I received a letter with my correct name and address regarding a " company payroll check # XXXX in the amount {$12000.00} '' that was returned unpaid. This is a check paid to a supermarket ( XXXX store XXXX in XXXX, CA ) that I have not been to regarding use of cheques which I haven't done in years and finally it is for a spectacular total for groceries for a family of XXXX. And it's for a " company payroll check. '' I have no business, nor employees. 

I have listed XXXX as the origin of the " debt. '' It does appear that XXXX uses XXXX but I have not used XXXX at that location or very much in person in the past year and I haven't used a cheque in ages, much less a " company payroll check. '' The two companies involved are both disreputable and may be intertwined in some way. They are the so-called client and now owner of " my '' fictitious check - XXXX XXXX XXXX, XXXX and the " collectors '' XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL ( surprise! ) XXXX at XXXX with claims accounting address in XXXX, FL. They seem to be " legit '' companies engaged in scams.

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 2021-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have a credit freeze with TransUnion. On XX/XX/2021, I lifted the freeze for the purpose of obtaining credit. A day later, when I attempted to open the new account, I was not able to and was told my TransUnion file was frozen. I thought I had made an error, so I tried once more. 

This time I lifted the freeze for three full days ( XXXX XXXX ). I returned to the store on XX/XX/XXXX and attempted to open the new account. Once again the credit check failed because my TU file was frozen. Although I have confirmation that the freeze was lifted, the credit check was stopped again. 

I found myself in a busy store, surrounded by strangers, on the phone having to repeat sensitive information to a credit representative at the company where I was seeking the account. I was able to obtain the new account, but the experience of reciting my personal information aloud in a crowded store was highly inappropriate. 

I have tried to contact TransUnion to learn what the issue was. I managed to reach a human by contacting the technical issues number, and the woman I spoke to, XXXX, was irritated that I had called that line, since my question was, in her words, " not my job. '' She transferred me to another line that offered only automated choices, none of which allowed a consumer to ask a question. I tried several of the automated selections for assistance, and each time ended up back in the loop with no option to speak with a representative.

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 2021-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Jim Bottin Enterprises, Inc
State: MD

Complaint narrative:
Okay I have worked all my life i am still legally married but I never a divorce I left him XXXX now since I then I worked always i only got unemployment i time and that was in XXXX or XXXX I applied for unemployment benefits in XXXX I waited from XXXX XXXX the approved me I didn't have a card tho so I didn't get my card tell XXXX my case was close XX/XX/XXXX I also was getting XXXX at the same time and they didn't give me all mines so around that time XXXX XXXX XXXX XXXX XXXX XXXX its expected for unemployment my back up pay Also XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these people have access to my phone my apps they have app that control it from the phone watch computer tablet they XXXX XXXX email or different one and old age differe nt state or international they go threw you tube XXXX XXXX XXXX any app that takes wire transfer or XXXX  its a donation but its a purchase they even using my identity and its wrong and isn't justice I still have not received one payment not a settlement unemployment equifax breach transition nothing not one drop they have not fix my credit we did score its people every where I go they use my aid off my re ci I was Nt a court hear to settle this whole theft cause I have not seen one cent

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22 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: CO

Complaint narrative:
This account appeared on my credit report, there is no company name to send a dispute letter to, I have not received any letter from " XXXX '' or Equifax. 
This is a violation of FCRA and FDCPA. 

The other account, again Equifax is reporting is an unverifiable account. I have sent dispute letters XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, and it is still reporting on my credit. This is COMPLETELY UNVERIFIABLE

Company response to consumer: Closed with explanation