vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC
State: CA

Complaint narrative:
I noticed a delinquent account on my credit report for MRS Associates due to XXXX XXXX XXXX mobility. 

I contacted MRS Associates on XX/XX/XXXX and was informed they are a debt collection agency trying to collect a debt from a closed XXXX XXXX XXXX mobility account. Details for the account were given and are as follows : XXXX XXXX XXXX account closed on XXXX XX/XX/XXXX for balance of XXXX Account number of XXXX Number tied to account was XXXX Address for account was XXXX XXXX XXXX XXXX, TX XXXX I spoke with XXXX and was given a call back number of XXXX On XXXX XX/XX/XXXX, I then contacted XXXX XXXX XXXX to report the fraud/identity theft. I submitted a form on att.com/fraudinquiry. 

-- - I have never had a XXXX XXXX XXXX account. I have never sponsored anyone to open an account. I do not live, nor have I ever lived at the address for the account. 

I am a XXXX employee and my social was compromised in a data leak from XXXX. I have always paid my debts and did not have any delinquent accounts on my credit reports. I am looking to have this debt erased and report removed from my credit report. 

Please contact me on my cell phone at XXXX. Thanks for your help. 

XXXX XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
on XX/XX/2021 I have noticed transaction charges of XXXX on my account that I did not authorize, I have notified Chase bank and the vendor listed Chase XXXX XXXX XXXX the vendor acknowledged and notified me that they will cancel as fraudulent application. The bank declined to credit the funds back to my account. I have spoken to XXXX Claims specialist who also declined to call the source directly to clarify the transaction. Claim # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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: GA

Complaint narrative:
On ( XX/XX/2021 ) i notified the credit reporting agency of the issue. Under section 15 US Code 1681a ( c ) i am identified as a consumer and i have the right to privacy under as a consumer under 15 US Code 1681 ( a ) ( 4 ). My rights have been violated under 15 US Code 1681 ( b ) Permissible purposes of consumer reports which i never gave any consent to report anything on my consumer report. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove promptly. I feel like I'm being taken advantage of and being ignored of my disputes. My information was also impacted by the Equifax data breach and may have got in the hands of the wrong person. My rights have been violated and I would like to have this matter corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: OH

Complaint narrative:
I called to make aware 2 weeks ago regarding fraudulent charges made on my card. They were going back to May since I was on bed rest for 12 weeks. I was told Id get a form to fill out and writhing 10 business days receive a credit while charges were being investigated. I received my new card but no letter to report charges and on top of that my card has been blocked to where it can not be used. I want my money back asap! This company has a habit of playing with ppls money.

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 2021-12-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am distressed that TransUnion have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. How did you verify the date last active & why this you re-aged this account? Also how did you verify the date of last payment? May I know your investigation resources? This misleading information has reporting on my credit profile for over a year. The last payment for this account was XX/XX/XXXX, therefore the date you have reported for date of last payment XX/XX/XXXX & date last active XX/XX/XXXX ( REAGED ) in inaccurate and wrong. Also this account has been in dispute for the past 9months, why does it not state that in the comment section? You have charged off as bad debt. Dispute resolved, responded by grantor. It should state account in dispute. 
The following information therefore needs to be re-investigated and removed from my credit profile for immediately Account : XXXX XXXX XXXX XXXX I respectfully request proof of your investigation. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit report. In this complaint accompanies a copy of my TransUnion credit report showing proof of the inaccuracies reporting on my credit profile.

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 2021-12-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am distressed that TransUnion have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. How did you verify the date last active & why this you re-aged this account? Also how did you verify the date of last payment? May I know your investigation resources? This misleading information has reporting on my credit profile for over a year. The last payment for this account was XX/XX/XXXX, therefore the date you have reported for date of last payment XX/XX/XXXX & date last active XX/XX/XXXX ( REAGED ) in inaccurate and wrong. Also this account has been in dispute for the past XXXX, why does it not state that in the comment section? You have charged off as bad debt. Dispute resolved, responded by grantor. It should state account in dispute. 
The following information therefore needs to be re-investigated and removed from my credit profile for immediately Account : XXXX XXXX XXXX XXXX I respectfully request proof of your investigation. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit report. In this complaint accompanies a copy of my TransUnion credit report showing proof of the inaccuracies reporting on my credit profile.

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 2021-12-28 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown items notated on my credit report. As of today, approximately 50 days later, I have not received a response. I feel like I am being taken advantage of, my disputes are being ignored and my rights are being violated. In Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a legitimate reason to immediately remove those items from my credit report. It has actually been well over 50 days ; therefore, those items should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress and mental anguish caused. My information was also impacted by the XXXX  data breach and may have found its way into the hands of the wrong person.

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 2021-12-28 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: CA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown items notated on my credit report. As of today, approximately 50 days later, I have not received a response. I feel like I am being taken advantage of, my disputes are being ignored and my rights are being violated. In Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a legitimate reason to immediately remove those items from my credit report. It has actually been well over 50 days ; therefore, those items should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress and mental anguish caused. My information was also impacted by the XXXX data breach and may have found its way into the hands of the wrong person.

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 2021-12-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
On XX/XX/XXXX a certified letter was mailed to transunion and XXXX in regards to inquiries on my report that were not given the authority to furnish my report. They told me that they had the ability to do whatever they wanted and to report it if it was authorized or not because they had permissible purposes i advised then that they did NOT have permissible purposes and the items should be removed. They stated that they did not receive my letters. I have proof of delivery also. I spent 2 hours on the phone with a representative from each bureau which said the same things to me. They would not remove the inquiries. 

Inquiries TRANSUNION : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2021-12-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Elevate Recoveries, LLC
State: FL

Complaint narrative:
A collections account was filed on my credit report from a creditor named Elevate, LCC. The original creditor was XXXX XXXX XXXX, XXXX. I had no knowledge of this bill until it was reported on my credit report. I called the collections agency and got the date my daughter visited the ER. It was XXXX. I called the insurance company and no bill was submitted to them for payment from the original creditor. Ive tried to find information for contacting the original creditor. I have found no contact info and the collections company refused to give me any contact information and told me to look it up on my own. I have no documentation to submit because the only contact theyve had with me was on the phone on XXXX. Ive never even recieved a bill in the mail from the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-12-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: TN

Complaint narrative:
I have a 2 collections with Transworld Systems for the amount of XXXX, That i have paid, this payment was made XX/XX/2021, I spoke with Transworld and ask if payment was made in full, if they could removed from my credit report, they stated they could not, i would like this removed from my credit report, and to show that this has been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
In XXXX of 2021 I started to sell one of my properties and was told that a lien was placed on my property by an attorney 's office representing Portfolio Recovery Associates, LLC. During the process I discovered an account was opened that was due to fraud. Portfolio did not handle the matter in a timely fashion thus causing the real estate deal to fall apart. It took them several months to right their wrong when I had proof to show it was not my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-28 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: AZ

Complaint narrative:
I have been a client with XXXX XXXX Bank for many many years. They do not offer any kind of auto pay, they charge their " annual '' fee monthly, they don't ever send bills/statements/emails/or texts regarding payment due which makes it hard to figure out what is due and when it is due without constantly checking their site. I have notified them via phone and email numerous times of the issues I have had with no getting bills/statements/tect alerts or anything to tell me a payment is due and when. I almost never use this card but since its one of my oldest cards I keep it open per a lender recommendation. However, that one 8 dollar monthly fee keeps turning into late fees at the result of their system which I feel is designed to snag people into late fee traps. I have signed up for their statements/text alerts, etc to NEVER get them. I will however, magically get an alert that I am late but only after the late fee has been placed on my account. I think this is shady practices and an effort to constantly make more from people by changing them late fees on a system that doesn't allow auto pay, doesn't send bills ( email or mail ), and doesn't send out alerts even when signed up for. It is affecting my credit by their dirty practices and I can't be the only person who is having this issues.

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 2021-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
Barclays and Jetblue have partnered to offer a MasterCard. They claim that you will receive promotional bonuses and points for flights. I have spent 4 hours on the phone with both Barclays and JetBlue and neither company is able to link my credit card with the Jetblue rewards. They refuse to award the offer for which I signed up.

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 2021-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
Fees charged for Check Image Statement after conversion to Huntington Bank XX/XX/XXXX {$2.00} XX/XX/XXXX {$2.00} reversed via phone call XX/XX/XXXX {$2.00} XX/XX/XXXX {$2.00} reversed via phone call XX/XX/XXXX {$2.00} XX/XX/XXXX {$2.00} reversed via phone call XX/XX/XXXX {$2.00} XX/XX/XXXX {$2.00} reversed via phone call Told bank this is a reoccurring issue ; each month different excuse. 
Told bank I was filing a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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: KY

Complaint narrative:
I had an auto loan with XXXX XXXX XXXX XXXX that originated on XX/XX/XXXX. I defaulted on this loan on and the vehicle was subsequently reposessed. I settled for an amount and the rest was shown as a charge off. In a vain attempt to have this negative information removed from my credit report I filed a dispute with the Experian and XXXX and subsequently disputed the results of those investigations. I have recently tried to have the information that I did not agree with the results of the dispute removed from my credit report. After speaking with XXXX XXXX XXXX XXXX XXXX I had a letter faxed on XX/XX/XXXX from their XXXX, KY location to their credit reporting location of which I have attached. After not receiving a response within 30 days I filed a dispute with Experian on XX/XX/XXXX and received the results under report number XXXX on XX/XX/XXXX. The information that I did not agree with the results of the previous dispute was not removed and my account was moved into a collection status.

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 2021-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LJ Ross Associates
State: GA

Complaint narrative:
L J ROSS ASSOCIATES INC is reporting a Inaccurate account on my credit report, The account is not mines and L J ROSS ASSOCIATES INC has failed to verify the Accuracy of the account in question, I have no sign contract with L J ROSS ASSOCIATES INC They are Illegally putting things on my credit report

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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:
Equifax is reporting the following medical debts that have not been validated and updated with the company name or contract information. I don't know 1 ) if this is my debt 2 ) if it is my debt WHO I Owe and where to pay.

I have already disputed with Equifax multiple times over 4-6 months and still I do not have further information about the alleged debt listed below. 

I have a right to an accurate credit file and this type of inaccuracies is unacceptable. 

Account No. XXXX Amount {$1100.00} Account No. XXXX Amount {$1000.00}

Company response to consumer: Closed with explanation