vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-10 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: NJ

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXXXXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: NY

Complaint narrative:
a secondary agency reported a bankruptcy to my Transunion credit report. 
this agency was notified that I did not consent to personal financial records being divulge to secondary agencies. 

There is a privacy law that states that finanacial records have to be given consent or have a disclosure to the specific party involved. I have stated this numerous times and have been ignored multiple times. law was listed below and this is federal law that is being broken as well as consumer law he Privacy Act of 1974, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies

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 2021-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: ALLIANT CREDIT UNION
State: NJ

Complaint narrative:
I have an Alliant Cashback Visa Signature Card that is suppose to pay 2.5 % cashback on all purchases. My XX/XX/2021 card balance was {$42000.00} earning me {$1000.00}. They credit union only gave me {$250.00} in rewards ... they still owe me {$810.00}. They will not acknowledge any complaints. There is a complete lack of customer service! I have the documents included with my credit card clearly stating 2.5 % cashback for every dollar spent with no limit on the amount of cash back! 

Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AZ

Complaint narrative:
Im XXXX I notified our mortgage company Carrington mortgage that my husband had passed away on attempted to make a purchase from XXXX XXXX which was denied I contacted XXXX XXXX  credit card and was told that on XX/XX/21 they received notice that I was deceased so they closed my account I provided them al my info at which time they reopened my account but would take 30 days and I should call XXXX  since they are the one whom notified them I called spoke with them they filed a dispute and all in one day filed it investigated and closed it they sent me by mail a notice that they corrected it and I was no longer marked as deceased. Not sure if date but it was in XXXX  I received notice that my homeowners insurance for my XXXX  home had been cancelled due to me being deceased I called my insurance agent he contacted XXXX  and told them I was not deceased so they redid my policy using XXXX for score and since they didnt show one on me my insurance policy cost me double the amount causing a shortage in my escrow account. 
I again called my mortgage company at least 4 times and finally this time is when o was told that they are the ones that made me deceased and not my husband and they are the reason for all of my headaches I was again told to fax the death certificate to their research dept so they could fix the problem. On Saturday XX/XX/XXXX I received a call from XXXX  at Carrington telling me that they have fixed everything on their end and that credit report will go out to XXXX  on the bill XXXX and they will make correction on their end then today the XXXX of XXXX I received a call from XXXX at Carrington tell me that it will be at least 60 - 90 days before this mess will be fixed because the previous person at Carrington told me to refax my husbands death certificate and it caused another dispute to be open!!! This has made my life a nightmare can you please help to get me??? 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: AZ

Complaint narrative:
I have attempted mailing in multiple disputes to these bureaus and have yet to receive a response. There are hospital bills attached to my credit that I am not aware or responsible for and have reached collections yet I have received no further information supporting the continuous reported information. This is making it very hard for me to improve my credit and gain the trust of creditors. I reached out to all 3 bureaus by mail XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: MI

Complaint narrative:
I disputed the collection accounts with the 3 credit bureaus, and they indicated that the debt was verified and validated. I mailed a second letter and requesting that they provide me the information that was collected and how the information was verified from the company. 

I have not received a response from the neither credit bureaus and its been over 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I paid a credit card balance of {$61.00} on XX/XX/2021 using my bank 's online bill pay service. The money was deducted from my checking account. Capital One sent me notice that it did not receive the payment, so I initiated the appeals process and provided documentation of the bank payment. On XX/XX/2021, Capital One sent me a letter stating it did not receive sufficient documentation and was denying my appeal. When I called the number on the letter, the representative said it had requested additional documentation on XX/XX/2021 ( which I do not recall receiving ), and because I did not respond, it denied my appeal. I explained that I had sent all the documentation I had ( i.e., proof of payment ) and asked what further documentation it requested. The representative said he did not know and could not find out because he does not have access to that information. When I asked for a contact number or email for the " Payment Investigations '' department at Capital One that denied my appeal, he could not provide any. He said I could only access that information using an online account or app, which I do not have ( this is an " emergency '' card that I only used because my regular card had to be canceled due to fraud ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ERC
State: AZ

Complaint narrative:
Pursuant to 15 USC 1692 G BILLING STATEMENTS DOES NOT VALIDATE A DEBT neither does a signature or contract. 

ERC failed to give me validation after the initial communication it is a individual action under this statue i had to request validation they responded with billing statements thats not validation. 

I AM NOW REQUESTING verification! I want to know who the original creditor is and the name and address of the original creditor. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I looked over my report and saw inquiries on my credit report that I did not give consent to be on my report. XXXX  is in violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
XXXX  doesn't have a court order with jurisdiction or consent from the CONSUMER to place anything on my Credit report. 
I sent a dispute letter certified mail next day and XXXX  still have the following Inquiries and accounts on my credit report. Hurting my credit stopping me from attaining service or goods. several letters where sent out on this matter.

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 2021-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX, I notice my Chase XXXX Visa prepaid debt card was removed from my Chase bank account. So I made the call to speak the agent. I was told the account got closed at end of XXXX since Chase is no longer provide the product and the card has no activities in past 60 days. I applied this prepaid card in late XXXX and transferred the money from Chase checking account to this prepaid account. I didn't receive any notice about the account closure or related memo an reminder. This card has been linked to my Chase Checking account on line. If I were notified about the reminder, I would transfer the money easily and quickly to prepaid account. Also, I have a Chase Investment account linked together which has no activities for more than year. That account is still open without getting close. So it does not make sense the account has no activities in past 60 days and got closed without informing the customer since there is also an active account has no activities in past year but no closed. I had the agent escalated my issue to the different team and my call got hung up after I provided all information. Besides I didn't see any terms of account closure requirement while I open the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: LEXISNEXIS
State: NY

Complaint narrative:
a secondary agency reported a bankruptcy to my XXXX  credit report. 
this agency was notified that I did not consent to personal financial records being divulge to secondary agencies. 

There is a privacy law that states that finanacial records have to be given consent or have a disclosure to the specific party involved. I have stated this numerous times and have been ignored multiple times. law was listed below and this is federal law that is being broken as well as consumer law he Privacy Act of 1974, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
TransUnion is reporting a bankruptcy with docket # XXXX which is not accurate. They are the only credit report showing it.

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 2021-08-10 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: TX

Complaint narrative:
This is my 2nd request to date disputing an erroneous Bankruptcy that has been placed in the public records section of my consumer report. The credit reporting agency has yet to show proof of how the Bankruptcy was verified. I have requested under the FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. I requested the description of the procedure used to determine the accuracy and completeness of the information, the name, address, and telephone number of each person contacted regarding this alleged account, and a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. I have yet to receive any of this 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 2021-08-10 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: TN

Complaint narrative:
I Have New and Relevent Information : After reviewing your response to my dispute letter of the accounts listed below. I have received additional information. I understand that you quoted the law in your letter you sent to me. The FCRA also states that I have the right to dispute inaccurate and incomplete information. This account is inaccurate and incomplete. For the fifth time, Im asking you to do a reasonable investigation and fix this problem. If you choose to ignore my dispute, when I have provided new and relevant information according to the FCRA, I will have no other choice but to escalate this matter and file complaints with the attorney general in my state, attorney general in your state, Consumer Financial Protection Bureau, Justice Department. 

XXXX Account XXXX XXXX  is saying that date of last activity was on XX/XX/XXXX and Date of last payment was on XX/XX/XXXX XXXX Account XXXX Equifax is saying that date of last activityXX/XX/XXXX and Date of last payment was on XX/XX/XXXX XXXX  Account XXXX XXXX  is saying that date of last activity XX/XX/XXXX XXXX  is saying that date of last activity XX/XX/XXXX Equifax is saying that date of last activity XX/XX/XXXX XXXX  is reporting on my credit report Date of last payment was on XX/XX/XXXX XXXX  is reporting on my credit report Date of last payment was on XX/XX/XXXX Equifax is reporting on my credit report Date of last payment was on XX/XX/XXXX XXXX. You must assume that my dispute of this information is valid unless you have evidence that states otherwise. Do you have this evidence? If not, and you dont investigate, then you are being non-compliant. 

2. I have provided you further information on this dispute and, as a result, you must investigate and, if you choose not to, then you are non-compliant again. 

These actions are all violations of the FCRA. Every month you choose not to investigate this matter, my character is being damaged.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
This company is a very fraudulent company MIDLAND CREDIT MANAGEMENT uses all kinds of fraudulent way to to extort payments for debts they can not verify, they have been reporting very negative information every month on my credit report with the goal of destroying my credit so i will be forced to pay for a debt that they can not verify its mine. 
They have been calling me on odd times

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: FL

Complaint narrative:
CREDIT CORP SOLUTIONS is in violation of the FDCPA.

Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified my specified remedy as a consumer, and the original creditor i am demanding all of the following : 1.Deletion of account from all consumer reports.

2. Pay the attached invoice and compensate me for every violation labeled in the attached exhibits.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I went to XXXX, entered my info, selected Experian, and immediately received an error message telling me to submit my request by mail ( screenshot attached ). Experian is required to make credit reports available online via a **WORKING** web site, which they don't. This has been a continual problem and they need to be fined for their lawbreaking behavior.

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 2021-08-10 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: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I looked over my report and saw inquiries on my credit report that I did not give consent to be on my report. XXXX  is in violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
( XXXX ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
XXXX  doesn't have a court order with jurisdiction or consent from the CONSUMER to place anything on my Credit report. 
I sent a dispute letter certified mail next day and XXXX  still have the following Inquiries and accounts on my credit report. Hurting my credit stopping me from attaining service or goods. several letters where sent out on this matter.

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 2021-08-10 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: PA

Complaint narrative:
I looked over my report and saw inquiries on my credit report that I did not give consent to be on my report. Transunion is in violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : (

1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

TransUnion doesn't have a court order with jurisdiction or consent from the CONSUMER to place anything on my Credit report. 
I sent a dispute letter certified mail next day and Transunion still have the following Inquiries and accounts on my credit report. Hurting my credit stopping me from attaining service or goods. several letters where sent out on this matter.

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