vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
According to 15 USC 1692J It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter. 

Transworld has repeatedly violated the law for continuing to report monthly this alleged debt when they are NOT the original creditor. Transworld Systems hasnt been able to provide any proof that they are they original creditor and I have not validated the debt as The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. 

This company is in violation of my consumer rights. According to 15USC 1692g Transworld Systems has failed to provide all of the information required in the law below as well. If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
This is XXXX XXXX who is submitting this CFPB complaint myself. I have been patiently waiting on JPMCB XXXX 's response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my credit report : ( JPMCB CARD XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DISCOVER BANK
State: PA

Complaint narrative:
About XXXX my job was closing down. I contacted Discover Financial Scvs and spoke with a XXXX I told him I am about to XXXX XXXX XXXX and requested an interest rate reduction. He refused me and told me that the best he could do for me was close the card. I told him I did not want to close the card and reminded him of my positive payment on the card since I obtained it. He didn't care. I got a XXXX pay and paid up card and requested to close the card. 

By some mysterious reason, the card was still active and being used intermittently by someone. I didn't know anything like that was happening in the background. Nonetheless, the card was charged off and Discover Card sent me a 1099C ( which is a Charge Off document I was to file on my tax return as income and I paid taxes on it as income about XXXX and/or XXXX. 

However, Discover Card continues to report the item on my credit file as a Charge-off. Since Discover Card charged off the balance, issued a 1099C, and I paid taxes on the amount as income, it is erroneous to be reporting it on my credit. It's a done deal, I paid taxes on it as income. So it needs to be removed from my credit or not show it as a Charge-Off. 

Yet, on XX/XX/XXXX, Discover Financial Svcs did a hard pull on my credit without my knowledge or consent. That was a willful, deliberate and spiteful act on the part of Discover Financial scvs. I would like the to remove the item from my Credit File.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Capital One Bank - My credit was pulled by Capital One Bank even though I have not applied for any credit nor given them consent for anything - Had nor spoken to Capital One. 

I received a call from them that someone had applied for credit and they were verifying that it was me. I told them NO and I as surprised to get the call. I asked the details of this application but they gave me no details other than it was applied for online. 

They said that since they had confirmed that it was not me that they would not report the inquiry onto my credit reports but they did. Later when I pulled my XXXX bureaus I say that they had put a hard inquiry on my credit reports. I called them and got the run around and not they are saying they have to verify that it was not me when THEY CALLED ME BECAUSE RED FLAGS WENT UP IN THEIR SYSTEM THAT THIS WAS FRAUDULENT. I still have a credit inquiry on my credit reports that I did not initiate and that they told me wold never be there.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello, My name is XXXX XXXX. Im trying to solve the problem with my incorrect credit score for 4  months now but nothing was helpful. Here is the situation : I opened my credit card at Wells Fargo in XXXX and after 6 months of opening it I started to see my XXXX  score ( which was reported from XXXX ) on my Wells Fargo profile. When I opened the card I didnt have SSN, however, as soon as I obtained my ssn in XX/XX/XXXX I updated my personal information and added it to my Wells Fargo profile. After obtaining my ssn I also opened XXXX, XXXX, and XXXX accounts to see my credit score. However, neither of those agencies have my wells Fargo credit card on my profile. They only have one credit card from XXXX which was opened less than 6 months. XXXX doesnt even show my credit score and says that I dont have one however I see my score on my Wells Fargo profile . Whenever I want to apply for a loan or something related to the credit score I get denied either because they say I dont have one or my information wasnt recognized. I kept going and calling Wells Fargo to help me to solve this issue but they say they are already reporting everything needed to credit report agencies and when I tried to contact these agencies they say I should solve this issue with Wells Fargo and theres nothing they can do.

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 2021-12-12 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
on XX/XX/20 after participating in a free XXXX webinar I got a call and agreed to buy an online course for the sum of XXXX dollars I was hesitant to register but they explained me that that I will be able to cancel and get a full refund for a period of 30 days. 

Only after paying I was introduced to terms and conditions for the course and was told that I will not be able to take part without agreeing to them. 

I started taking part in the course and it was very disappointing to me. and did not meet the promises that I was promised. 

on XX/XX/XXXX I approached the head coach XXXX XXXX and complained that the program is not as promised. 

XXXX XXXX called me a whiny little XXXX and kicked me out of the XXXX call and removed my access to all the program material and XXXX groups. ( all the access to the course ) I tried to contact the merchant multiple times, and although that they promised me a full refund they did not refund. 
this is a call with the sales rep that sold me the program that promised me a refund. 
XXXX XXXX XXXX XXXX  first 2 minutes tells it all. 

I contacted chase and explain the story, they denied my request to do a charge back on this charge and as I re-disputed they still deny my request. 

it feels like nobody there is reading what I wrote to them. 

I called chase few times but the people that answer the lines has no authority to do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello, My name is XXXX XXXX. Im trying to solve the problem with my incorrect credit score for 4 months now but nothing was helpful. Here is the situation : I opened my credit card at XXXX XXXX in XXXX and after 6 months of opening it I started to see my FICO score ( which was reported from XXXX ) on my XXXX XXXX profile. When I opened the card I didnt have SSN, however, as soon as I obtained my ssn in XX/XX/XXXX I updated my personal information and added it to my XXXX XXXX profile. After obtaining my ssn I also opened XXXX, Equifax, and XXXX accounts to see my credit score. However, neither of those agencies have my XXXX XXXX credit card on my profile. They only have one credit card from XXXX which was opened less than 6 months. XXXX  doesnt even show my credit score and says that I dont have one however I see my score on my XXXX XXXX profile . Whenever I want to apply for a loan or something related to the credit score I get denied either because they say I dont have one or my information wasnt recognized. I kept going and calling XXXX XXXX to help me to solve this issue but they say they are already reporting everything needed to credit report agencies and when I tried to contact these agencies they say I should solve this issue with XXXX XXXX and theres nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello, My name is XXXX XXXX. Im trying to solve the problem with my incorrect credit score for 4 months now but nothing was helpful. Here is the situation : I opened my credit card  at XXXX XXXX in XXXX and after 6 months of opening it I started to see my FICO score ( which was reported from Experian ) on my XXXX XXXX profile. When I opened the card I didnt have SSN, however, as soon as I obtained my ssn in XX/XX/XXXX I updated my personal information and added it to my XXXX XXXX profile. After obtaining my ssn I also opened Experian, XXXX, and XXXX accounts to see my credit score. However, neither of those agencies have my XXXX XXXX credit card on my profile. They only have one credit card  from XXXX which was opened less than 6 months. Experian doesnt even show my credit score and says that I dont have one however I see my score on my XXXX XXXX profile . Whenever I want to apply for a loan or something related to the credit score I get denied either because they say I dont have one or my information wasnt recognized. I kept going and calling XXXX XXXX to help me to solve this issue but they say they are already reporting everything needed to credit report agencies and when I tried to contact these agencies they say I should solve this issue with XXXX XXXX and theres nothing they can do.

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 2021-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
There are third party XXXX XXXX on my credit report that do not belong to me and I did not authorize. This is a violation of the XXXX act. 
XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX 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 2021-12-12 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
I received an email from XXXX XXXX and there is a new XXXX XXXX account I do not recognize opening.

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 2021-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
According to federal law 15 USC 1681a Transunion  has repeatedly violated this law for continuing to report an alleged debt that has never been validated by the original creditor or myself. I have submitted numerous debt validation letters to the company and they provide a statement that the debt has been verified however, they have NEVER provided me the method of verification of who they spoke with from the original creditor, name, phone number. I have never verified the alleged debt from XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2021-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: MO

Complaint narrative:
Hired Lexington law to help fix definitive errors on my credit report n they just keep taking $ without permission or consent of any kind

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 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: Conn's, Inc.
State: NC

Complaint narrative:
Account name CONN XXXX XXXX Date of request XX/XX/2021 I have an inquiry on my credit report for an activity that was not initiated by me. Conn 's XXXX called me to say that they suspected fraud and to confirm if the application actually came from me. They verified that certain things on the application did not match my info and said they would mark it as fraud and not report an inquiry on my credit report. But when I pulled my credit they did report hard inquiries on my credit reports. According to Conn 's Someone went online and tried to order a laptop from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Merchants Acceptance Corp
State: FL

Complaint narrative:
The creditor is called Merchants Acceptance Corp . The collector XXXX XXXX XXXX gave me options by mail can not pay they already took me for judgment during me for {$2800.00}. Its over a XXXX XXXX I purchase 2018. I Did contact call the Merchants Acceptance CORP last year ask them if I can lower my payments when Covid hit so did the income. The guy was very rude and threatened me still had to pay same monthly payments. I tried to work with them I was paying. Then did got a job had to pay for other stuff rent food etc. I did get sick with XXXX took me over 3 months or more to get better. I have XXXX also. This is not right I am getting sued over a XXXX During the pandemic which I was willing to give the item back they refuse it or make lower payments. So I didnt bother with them had to focus more on my health and family during this pandemic time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
There are some accounts on my credit report that I do not recognize

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 2021-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am not an attorney nor a third party I am filing this complaint due to a previous complaint that was never addressed by the credit bureaus. I have filed a police report over the fraudulent account from XXXX XXXX XXXX # XXXX. Plus there was some information on my report that is inaccurate. I am in the process of starting my new business and the information that is being shown is holding up the process. According to the provisions of the Fair Credit Reporting Act 605b, 623, 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, the item I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute is listed XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX  XXXX I have a copy of my ID and SS Card for verification purposes. 
Please Delete Address that does not belong to me : XXXX XXXX XXXX XXXX, OHXXXX XXXX XXXX, OHXXXX XXXXXXXX XXXX XXXX XXXX XXXX, OHXXXXXXXXXXXX

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 2021-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: V and H Portfolio
State: FL

Complaint narrative:
XX/XX/2021 I mailed a certified dispute letter to VANCE AND HUFFMAN LLC and they never responded nor sent back any correspondence. it has been more than 30 days! there is multiple inaccuracies on my credit report. XX/XX/2021 I mailed a new dispute in hopes my deletion request is honored. this company is violating my rights and they have over XXXX complaints on XXXX  they also have over 100 complaints with the CFPB. VANCE AND HUFFMAN LLC has failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. Under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

Company response to consumer: Closed with non-monetary relief