vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-17 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: NC

Complaint narrative:
I have sent letters to Equifax, XXXX and XXXX on XX/XX/2020 and XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been almost 4 months and I have not received a response from any bureau yet. I feel like my dispute letters are being ignored and that my voice does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives reason to immediately remove these items from my credit report. Since it has been almost 4 months, these items should be deleted immediately. I demand these accounts be removed or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 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: GA

Complaint narrative:
As per FCRA : Courts do not furnish Bankruptcy information to CRAs directly..nor do Filing Attorneys.. 

So they must be put on the Reports by the CRAs from public record without authorization from the Consumer, Courts, or the Filing Attorneys. 

With that truth..then are CRAs only able to report information/creditors to a consumers report ONLY if it is furnished to them directly from the creditor/furnisher? In this case : Courts and or Filing Attorneys. 

If TRUE..then my Chapter XXXX will be removed now. Although we are approaching the 10 year mark..it was not DIRECTLY furnished to the CRAs for reporting.

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 2021-01-17 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: GA

Complaint narrative:
I have contacted equifax, XXXX  and XXXX to certify and verify the incorrect and inaccurate information on my credit report that was due to fraudulent activity. I have requested validation of the items reporting. I have also added security freezes and fraud alert to my credit profile. The date of my letter sent where XX/XX/2020, XX/XX/2020, XX/XX/2020 and still no response or update. The following below is listed on my credit report and should be removed. If not removed I will file lawsuit XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I have a Walmart credit card. Unfortunately, Walmart transferred credit card management to Capital One. I was away from home getting help for a special needs child and not aware that switch was made. Every time I logged on with Walmart credentials I used to pay on Walmart credit card, system rejected my entries. When I called I was not able to get help because I did not have my Walmart credit card number. 

When I finally realized the unfortunate switch was made to a Capital One, I explained that the reason i was late is because of the transition to a Capital One. The ask was for Capital One to retract The late credit reporting to credit bureaus and Capital One downright refused!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-17 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 — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
I had credit report run that showed TD Bank had a credit card opened in my name in XX/XX/2019. I never opened that card, meaning someone else used my information to get it. Now, I have an outstanding credit in my name that I never made.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am a Capital One Credit card customer since XXXX, I think. My name is XXXX XXXX. I am lodging a formal complaint to their disputes division in Utah as well as seeking federal relief from XXXX  XXXX. I disputed two charges on my Credit card. In XXXX of XXXX, I disputed a charge of XXXX dollars re a rental car. I never got any immediate update so I paid balance off in less than a months billing cycle. In XXXX or so, out of the blue, I get statement showing my balance as minus XXXX dollars. I call and find that the car rental company refunded the disputed amount. Capital One sent me a check for {$750.00}. That was all good. Suddenly now 7 months later, XXXX XXXX XXXX XXXX the XXXX dollars has been rebilled to my account out of nowhere. I call for explanation and the rep stutters about this or that and puts me on hold for over 10 - 20 minutes or longer. I hang up call back. This time I insist to the ( different ) rep that I want to dispute being rebilled. She seems stumped cause she is taken off her script I suppose. I repeated myself three times, but gave up exasperated. This is like a scam

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: MA

Complaint narrative:
There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

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 2021-01-17 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: GA

Complaint narrative:
As per FCRA : Courts do not furnish Bankruptcy information to CRAs directly..nor do Filing Attorneys.. 

So they must be put on the Reports by the CRAs from public record without authorization from the Consumer, Courts, or the Filing Attorneys. 

With that truth..then are CRAs only able to report information/creditors to a consumers report ONLY if it is furnished to them directly from the creditor/furnisher? In this case : Courts and or Filing Attorneys. 

If TRUE..then my Chapter XXXX will be removed now. Although we are approaching the 10 year mark..it was not DIRECTLY furnished to the CRAs for reporting.

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 2021-01-17 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: GA

Complaint narrative:
As per FCRA : Courts do not furnish Bankruptcy information to CRAs directly..nor do Filing Attorneys.. 

So they must be put on the Reports by the CRAs from public record without authorization from the Consumer, Courts, or the Filing Attorneys. 

With that truth..then are CRAs only able to report information/creditors to a consumers report ONLY if it is furnished to them directly from the creditor/furnisher? In this case : Courts and or Filing Attorneys. 

If TRUE..then my Chapter XXXX will be removed now. Although we are approaching the 10 year mark..it was not DIRECTLY furnished to the CRAs for reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc.
State: GA

Complaint narrative:
hello, i deposited crypto currency into my XXXX  wallet to exchange into USD with cashapp. when i sent the money they closed my account and arent sending me back the XXXX i deposited and are refusing to get back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CONGRESS COLLECTION CORP
State: OH

Complaint narrative:
Congress Collection ( XXXX XXXX  XXXX  walk in Balance : {$500.00} ( alleged past due amount that I never been aware of and I never been to this company ) Date open XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDICO. INC
State: NE

Complaint narrative:
I was served papers to appear in court on XX/XX/XXXX regarding a request from a company called credico inc to revive a judgement from XX/XX/XXXX, 14 years ago. I have never at any time been contacted by this company or any other company regard this amount they say is owed. I have received no phone calls, no mail, no other attempt to contact me at all. I tried to contact the company but found little to no information about the company online. I attempted to contact the lawyer from the served papers and left a message but ncall back. In the past 14 year and before that I have heard nothing about this dept or from this company. I could not dispute the debt prior to what they say was a judgement in XXXX because I never was contacted or given any information. I have no idea what this debt is for. I have spent the last 12 years working extremely hard to pay off credit card and medical debt so I check my credit report and credit score weekly on 3 different sites, I open and read every peice of mail, and answer phone calls so I am not only aware of what I owe and to whom but also make arrangements with them to pay the debt in full. Had I gotten information from this company or about this debt I would have requested information to very the debt and made arrangements for payment if the debt was proven to be mine. I never got that chance or opportunity over the last 14 years to do any of the things that are my right under the fair debt collections act to do. My information including my phone number and address and employor were never hard to find with a simple search online or my credit report. Every other debt collector I had debts with had no problems contacting me, which made it easy to verify the debt and make arrangements for repayment. I do have debt I am paying off and had paid off debt because unfortunately I am a type XXXX XXXX  and medication and medical help is expensive so I have had debt in the mast but I have made a good faith and legal effort to repay every debt that I owed. Please investigate this matter immediately. I have not been contacted by this company or about this debt at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Multiple FCRA violations and discrepancies on both XXXX  and Equifax from XXXX XXXX from account XXXX # XXXX XXXX. 
( High credit amount is inaccurate ) Amount on payment history statement is {$8700.00}. Amount on credit reports is {$6100.00}? Please see statement in upload. 
( Illegal re-aging ) Statement shows first date of delinquency is XXXX. No payment made and was first 30 day late. Account is older than 7 years since date of first delinquency. 
( Account type ), ( Account status ), ( Last reported ), ( Comments ), ( Date last active ), and ( Date of last payment ), All read different and are inaccurate, between XXXX, and Equifax reports. Please see uploaded reports! XXXX  has already deleted due to these same inaccurate items. ( Delete immediately from XXXX and Equifax! )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Synovus Bank
State: RI

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 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: IL

Complaint narrative:
In XXXX of XXXX, Equifax announced it experienced a data breach and my personal information was stolen. As a victim of Identity Theft, my social security number, home address, phone number, and email was stolen and then used to obtain credit cards, car loans, and other additional loans in my name. My life has been ruined and I need help. I've reached out to the credit bureaus but received little assistance. I submitted a letter XX/XX/XXXX to Equifax, XXXX, and XXXX  but not haven't got a response. According to Section 6 ( a ) failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been more than 60 days with no response. I demand all horrific inquires, collection item, closed accounts, and previous addresses to be removed or I will file for litigation due to the stress you have caused. That is not me. Please see the attached document of the letter I sent to the credit bureaus and the Equifax Data Breach Settlement given to me by Equifax credit bureaus. Please take off inquires, collection item, closed accounts, and previous addresses. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$3400.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
XX/XX/XXXX : Opened a Southwest Rapid Rewards Priority Card ( Visa Credit Card, info at : https : //creditcards.chase.com/southwest/priority-credit-card ) through Chase. I was explicitly told both verbally and in written words, that the card would be received in the mail within 2 weeks. I applied for this card because I wished to take advantage of the XXXX bonus miles deal, in which the Terms & Agreement stated that {$2000.00} must be spent within 3 months. 

Unsure of Date, but before XX/XX/XXXX : I did not receive the credit card in the mail and requested it to be sent again. 

XX/XX/XXXX : Still did not receive credit card and called the customer service asking when it will be received. Asked for an extension to the 3 month spending term, seeing as it has been over one month and the bank failed to honor their agreement of sending the card in priority mail within 2 weeks. 

XX/XX/XXXX : Still did not receive credit card. Called customer service again, they said my card will be received at an unspecified date. Still refused to extent the 3 month spending term even though at this point, 38 days ( or over 5 weeks ) have passed. 

This is a deceptive practice. They state that they can not extend my promotion period of 3 months due to the Terms & Agreements. However, they refuse to acknowledge that the Terms & Agreements also states that my card will come in most likely in 3-5 business days, and 2 weeks at the latest. Yet it has been over 5 weeks and I have no received the card. Now I am still expected to make the {$2000.00} with significantly less than 3 months, as initially outlined within the Terms & Agreements.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Trojan Professional Services, Inc.
State: CA

Complaint narrative:
I did not authorize or sign a HIPPA form for Trojan Professional services , Inc. to access my medical records and this company is violating HIPPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 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:
Hello, i recently check my credit via XXXX and notice that there were a few accounts on my credit profile that was done by fraud. I am a victim of identity theft. Ive reached out to the creditors regarding this advise me to reach out to the credit bureaus. I've sent mails via USPS certified back on XX/XX/2020 and i called a week ago and they told me they didn't received anything. I think this is some type of stall because the tracking number said delivered. These accounts are not mine. I have attached the FTC report and my driver license below

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 2021-01-18 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:
Hello, i recently check my credit via XXXX and notice that there were a few accounts on my credit profile that was done by fraud. I am a victim of identity theft. Ive reached out to the creditors regarding this advise me to reach out to the credit bureaus. I've sent mails via USPS certified back on XX/XX/2020 and i called a week ago and they told me they didn't received anything. I think this is some type of stall because the tracking number said delivered. These accounts are not mine. I have attached the FTC report and my driver license below

Company response to consumer: Closed with explanation