vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-24 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: IL

Complaint narrative:
The CRA 's have added fraud alerts, blocks, security freezes to my credit file. This is a violation of FCRA regulations. Please immediately remove these alerts Without my phone number these alerts are useless. Please sent me proof the I requested the alerts.My recent disputes specifically requested NO added fraud alerts, blocks, security freezes. The FCRA permits a penalty up to {$1000.00} for such violations of my consumer rights.

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 2021-09-24 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: IL

Complaint narrative:
The CRA 's have added fraud alerts, blocks, security freezes to my credit file. This is a violation of FCRA regulations. Please immediately remove these alerts Without my phone number these alerts are useless. Please sent me proof the I requested the alerts.My recent disputes specifically requested NO added fraud alerts, blocks, security freezes. The FCRA permits a penalty up to {$1000.00} for such violations of my consumer rights.

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 2021-09-24 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: Atlanticus Services Corporation
State: LA

Complaint narrative:
I have an account with Fortiva for an alarm service with XXXX. I have noticed for the last few months that this account is reporting as a credit card and I never received a credit card. I called several times to get this resolved and for some reason I am having the hardest time. I explained that the way their reporting this account is inaccurate. It makes it as if I am exhausting the card that I never received every month. I am getting the run around about fixing my credit report. My credit score is damaged each month as that they report this inaccurate. I spoke with 2 agents on XX/XX/2021 XXXX badge number XXXX ( supervisor ) XXXX agent @ XXXX XX/XX/2021. Also they are reporting wrong balances on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 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: IL

Complaint narrative:
The CRA 's have added fraud alerts, blocks, security freezes to my credit file. This is a violation of FCRA regulations. Please immediately remove these alerts Without my phone number these alerts are useless. Please sent me proof the I requested the alerts.My recent disputes specifically requested NO added fraud alerts, blocks, security freezes. The FCRA permits a penalty up to {$1000.00} for such violations of my consumer rights.

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 2021-09-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have been fighting with Capital One /Walmart for months now. In XXXX of this year there was a charge made on my card that I did not do. When I notice it in XXXX went into Walmart and report it fraud and cancelled my card. Capital One filed a fraud report and said that it wasnt fraud. Totally XXXX .. Their reasoning behind it was that it was a chip card and was not reported lost or stolen. So that would only mean that someone got ahold of my number and did a purchase online. On XX/XX/2021 again I spoke with a fraud specialist at Capital One and again he deemed it not fraud and refuse to remove the charges, I then try disputing this myself and even went down to my locl police station and file and report and Id theft affidavit. Why would I go thru all this trouble if it wasnt fraud. This is interfering in me purchasing a home. I have enclose a copy of the police report the dispute I file and the affidavit. I want this remove from my credit ASAP

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-24 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: FL

Complaint narrative:
XX/XX/2021 Please be advised Bankruptcy could not be verified due to the court not reporting and or transmit bankruptcy court records or other information to credit agencies. Please see attached document.

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 2021-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Adjustments Inc
State: OH

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

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 2021-09-24 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: OH

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. XXXXm requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: OH

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 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: AL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The following student loan accounts still appear on my Transunion credit report despise being over a decade old. They are not appearing on either of the other two credit bureaus. They must be removed immediately. The accounts in question are listed as follows : XXXX Opened XX/XX/XXXX Highest Balance {$2200.00} XXXX Opened XX/XX/XXXX Highest Balance {$3000.00} XXXX Opened XX/XX/XXXX Highest Balance {$2000.00} XXXX Opened XX/XX/XXXX Highest Balance {$3500.00} XXXX Opened XX/XX/XXXX Highest Balance {$2200.00} XXXX Opened XX/XX/XXXX Highest Balance {$1000.00} XXXX XXXX Opened XX/XX/XXXX Highest Balance {$3500.00}

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 2021-09-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Byrider Franchising, LLC
State: NC

Complaint narrative:
I was not able to make payments on the vehicle due to my XXXX and becoming ill from XXXX. I also became XXXX and my car was my only place of stay. A payment arrangement was made and my car was still repossessed due to non payment. JD Byrider was notified and it is on file that they were notified of my conditions & sold at an auction for {$720.00} leaving my remaining charge off balance {$11000.00}. Also being discriminated against as a XXXX & XXXX American/Caucasian male.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG HOLDINGS INC
State: PA

Complaint narrative:
The last time I spoke with this company they said they could not find me in their system because I wanted to dispute this problem. I can not file a police report because they police station can not find the company. They said that the company was bought out and is now owned by someone else. I reported the complaint to XXXX  and the company said I need a police report in order for them to do an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Solutions, Inc.
State: NC

Complaint narrative:
RECEIVABLE SOLUTIONS did not have my consent to communicate with me prior to this alleged debt. I do not know who RECEIVABLE SOLUTIONS are nor do I wish to pay any alleged debt. This isn't even my debt. RECEIVABLE SOLUTIONS obtain my private information and created an account in their records. That is a violation. Stating a consumer owe any alleged debts is also a violation. What RECEIVABLE SOLUTIONS are doing is false and misleading as well as unfair practices. I am attaching a cease and desist letter as well as an invoice. Pay the attached invoice to compensate me for every violation pursuant to 15 USC 1692k civil liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: SC

Complaint narrative:
I paid off the debt XXXX XXXX and was told that the collection would be removed from my credit report. They have yet to remove this account from my credit report. It reported XXXX and XXXX as being past due and it is affecting my credit score. I have called and spoke with several reps that have stated " there isn't a supervisor available to take my call '' when asked to escalate me to one. This is reporting inaccurate information and needs to be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Hi. We recently place an item on XXXX for {$3500.00}. It was a marble bust with a pedestal and stand. Someone by the name of XXXX XXXX contacted me by text and said he wanted to purchase the item for a friend and that this would be a great gift for the friend, but he hadn't spoken to the friend in a while. He said can I send you a cashier 's check, and when you receive it can you deposit it in the ATM b/c it would clear faster. I said yes when the check clears, I will tell you where to pick up the item. I received the check on the XXXX of XXXX. I deposited the check and it cleared on the XXXX of XXXX. I text him that morning and told him the check cleared and I sent him my address as to where to pick up the item. He then told me he called the friend and was told that his wife passed away a couple months ago and he does not feel comfortable giving the friend the statue b/c it would be upsetting to him. He said could he have his money back. I said yes no problem. He them asked me to send him the funds by XXXX. I said no I'm going to send it back to YOU. He asked me to send it to him wife XXXX, but send it {$1000.00}, {$1000.00}, {$1000.00} then {$500.00} I said ok. which I did. Through my bank Chase. Chase XXXX a total of {$2500.00}. I did not know this man cancelled the check in the mean time. Something told me to check my account that's when I knew I was scam and that is was fraud. I saw my account was over drawn by {$1000.00}. So somehow I now owe chase {$1000.00}. Mind you I had only {$1.00} in the account prior to depositing {$3500.00}. I called Chase and tried to explain what happen, they don't want to hear it. Chase is telling me that because I voluntarily sent the money to someone by XXXX, I am responsible for the {$1000.00}. We tried telling Chase this was fraud, they said they know but I am still responsible. I need help and justice. We do not have {$1000.00}. I am in need help please contact me at XXXX. I add my email here b/c I don't know how to register on your page it only ask for login info.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-24 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: CT

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: CT

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
Hi good evening, So you would think with a credit card that has a limit of XXXX and is constantly being used for thousands of dollars in products with a quick payoff that NavyFed would take better charge of things. I called 2x telling Navyfederal that I was experiencing issues with the card declining my transactions for no reason at all. Their response was that I was inputting the card details wrong, blaming me and trying to indicate that I was an XXXX and at fault. I told them I never inputted any card details wrong and have always been using that card with all my transactions, they had no response for me. So I quickly requested a new card as I am in need of the card for everyday purchases and tired of the card declining with myself being blamed, lady on the phone said she will overnight me the new one after our call on XXXX. XXXX 2021, I called up today on XXXX XXXX 2021 asking the status of the card as I never received it, and the new representative said that the new card was not overnighted and that it will take 7 - 10 business days. I am beyond frustrated of this whole situation and now I have to wait for something I had nothing to do with. I have always spoke highly of NavyFed but you guys slipped on this one.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Linebarger Goggan Blair & Sampson LLP
State: OR

Complaint narrative:
A letter was sent to me requesting a certain amount for a court case. The letter was written on XX/XX/XXXX. I received the letter on XX/XX/XXXX. The letter stated I owed an outstanding balance to the State for a traffic offense. And further said I have failed to pay the fine to the court and the amount due was too be payed to this " collection company '' The company 's name is Linebarger Goggan Blair & Sampson , LLP. It went on to say if I don't pay I will face legal remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RS Clark and Associates, Inc.
State: CT

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation