vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-21 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2021, over 45 days ago I requested that bureaus provide written proof of verification of negative items showing on my credit reports. To this day I have not been notified of any verification paperwork through mail or online. It seems that they are ignoring my requests by continually disregarding my communication efforts. I am at my wits end in trying to move on and with these errors and get them off my report as no one seems to care enough to respond to my complaints. I have contacted the businesses that are on my report and they explain to me that it is out of their hands and falls on the bureaus. I do not know how these items are appearing on my report but according to the FCRA, if they are inaccurate or unverifiable, they must be removed. I have been sending letters back and fourth to the bureaus stating this to get this situation rectified. Still, no response. I do not know what else to do as I feel I being forced to move forward with legal proceedings for the violations of my consumer rights. 

If they can not provide proof ( written contract with my signature that includes dates of late payments, when negative items happen ), I would like for these items to be removed, as it continues to negatively impact my ability to obtain employment, financial mobility, and my overall emotional state.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2021, over 45 days ago I requested that bureaus provide written proof of verification of negative items showing on my credit reports. To this day I have not been notified of any verification paperwork through mail or online. It seems that they are ignoring my requests by continually disregarding my communication efforts. I am at my wits end in trying to move on and with these errors and get them off my report as no one seems to care enough to respond to my complaints. I have contacted the businesses that are on my report and they explain to me that it is out of their hands and falls on the bureaus. I do not know how these items are appearing on my report but according to the FCRA, if they are inaccurate or unverifiable, they must be removed. I have been sending letters back and fourth to the bureaus stating this to get this situation rectified. Still, no response. I do not know what else to do as I feel I being forced to move forward with legal proceedings for the violations of my consumer rights. 

If they can not provide proof ( written contract with my signature that includes dates of late payments, when negative items happen ), I would like for these items to be removed, as it continues to negatively impact my ability to obtain employment, financial mobility, and my overall emotional state.

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 2021-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
This company keeps overly reporting to the credit bureaus, not to mention I never authorized this company to have any of my demographics or financial information nor have I authorized any company to give or sell my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
Collection accounts are posted on my credit from accounts I've never had. Midland credit has been contacted and asked to verify the debit and refuse to do so. 

Midland Credit Management XX/XX/2020 {$7100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: M.A.R.S., Inc.
State: FL

Complaint narrative:
This inaccurate debt from MARS LLC is reporting on XXXX, XXXX  and XXXX  credit files. I have never requested credit or services from this creditor nor their affiliates. This debt does not belong to me. It reports that I co-signed but I never agreed to co-sign for anyone on any debt. I asked for the original contract bearing my legal signature along with copy of drivers license and Social Security card which should have been provided when the alleged debt was created. However, I got no response. None of this documentation was provided to me. The amount reporting owed is different with all three credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
Im a full tome student with a XXXX XXXX XXXX at home and needed a quick fix to get some studies done and decided to buy a cat. Did some quick looking at animal shelters online and for XXXX  cats since they dont shed. ( I dont need cat hair all over the place ) I commit with someone through their website and had no reason to suspect it was fraud. I have email communication and it seemed legit, but after I sent the payment I was told he was shipping the cat and never got the kitten or heard from the person again. 

US bank refuses to reverse the transaction even though I told them the following day on XX/XX/XXXX that it was fraud and I sent the payment on the XXXX. They had time to reverse this ach transfer but are using the excuse of the XXXX they have on their website. As a consumer i Sumer it on my bank website is protected for fraudulent transactions when someone steals money and not provide goods. Instead the customer service reps would victim blame and expect consumers to understand why they were robbed by a fake buisness and use excuses as to why they didnt simply reverse the transaction when it was reported immediately. Us bank enforces XXXX but doesnt provide information to let their customers know what their rights are or rather that they dont have any when using XXXX and this is not made abundantly clear when the transfer is easy and doesnt spell it out that if they send money and the person is lying you wont get a reversal of the transaction. There is very little clarification on this and I think this is inviting people to commit fraud with XXXX and is dangerous because not everyone knows the dangers of people running online scams. Us bank should be held accountable to protect their customers and instead victim blame.

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 2021-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Upon review the files, it comes to the attention that there is an Error of FALSE information about a CHASE FREEDOM CREDIT CARD ACCOUNT NUMBER : XXXX XXXX XXXX XXXX with the balance of {$1700.00}. I have no acknowledgment nor given consent permission to anyone in the institution to use my personal information to obtain or open the account to made unauthorized charges, I have reach out to the institution regarding about this matter and made sure the account open without my permission to be closed, remove and delete. As a Matter of rights under FCRA law to be in compliance, furnish-er of False information must provide any documentation that bears its original owners signature within 5 business days, failure to do so in the essence of time period must have the false information delete or remove before the matter is taken to the court because of Predatory Practice by the institution and the furnish-er of False information, Please taken step necessary to remove and delete prevent any account opened under owners personals information without permission nor consent. 

According to Fair Credit Reporting Act, any account fraudulent open without the principal original consent or permission must be Remove and Delete immediately. In compliance with FCRA, predatory furnished of false information by the institution are illegal, and within matter of rights under the laws of consumer request to provide by the furnish-er or institution of full proof of all original sign documentation relating to the false account and any consensual documentation with original owners signature within 5 business day in physical mail copies. As time is the essence per request must comply under FCRA law. Failure to do so must have the information Delete and Remove prevent to reappear once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: MO

Complaint narrative:
Cash app took my stimulus and put it into a Bitcoin account. Because i contacted then via cash app cash support. Someone called me i followed his instructions and i haveca video i would love to send but its not letting me because you can see this huy operate my mother 's phone by themselves and clearly see him take my XXXX $ stimulus check and put it into Bitcoin. Alse watch him remove my moms information off her cash app account then tell her not to get on it until he calls the next dayband were still dealing with this XXXX. Ive senf there support emails after email no reply i hop yall can get my stimulus check back

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
Collection account are posted on my credit from an account I've never had. Midland credit has been contacted and asked to verify the debit and refuse to do so. 

Midland Credit Management XX/XX/2020 {$6000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: GA

Complaint narrative:
Recently, I filed for an Auto Loan and I came across discrepancies on my credit report and my credit score. According to the report, I have a total of 8 accounts on my credit file when I have a total of 6. Secondly, I have XXXX XXXX as a satisfied account for my credit and my balance is in good standings. Thirdly, XXXX XXXX should not have screened my credit multiple times when they initially had ran my information on file to share with there sister branches through XXXX. Furthermore, I contacted Credit Bureau Systems about my ambulance bill from XX/XX/2018. They have submitted a payment request last month on the XXXX of XXXX to my insurance and told me they will remove this off my credit once satisfied from pending claim. Lastly, my credit score shouldn't be so drastically different from all bureaus.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Recently, I filed for an Auto Loan and I came across discrepancies on my credit report and my credit score. According to the report, I have a total of 8 accounts on my credit file when I have a total of 6. Secondly, I have XXXX XXXX as a satisfied account for my credit and my balance is in good standings. Thirdly, XXXX XXXX should not have screened my credit multiple times when they initially had ran my information on file to share with there sister branches through XXXX. Furthermore, I contacted XXXX XXXX  XXXX about my ambulance bill from XX/XX/2018. They have submitted a payment request last month on the XXXX of XXXX to my insurance and told me they will remove this off my credit once satisfied from pending claim. Lastly, my credit score shouldn't be so drastically different from all bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
Collection account posted on my credit from an account I've never had. Portfolio recovery has been contacted and asked to verify the debit and refuse to do so. 

Portfolio Recovery Associates XX/XX/2019 {$8700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
The Company Continues To Report Inaccurate Reports To My Credit Report Even After Reaching Out To The Creditors And Letting Them Know About Me Being A Victim Of Identity theft! My Sibling, Deceased Father, & Another XXXX XXXX Had Stolen & Was Using My Credentials And Is Reported And Disputed This Matter And Accounts And Etc With Usaa Several Times as well as XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
Collection account posted on my credit from an account I've never had. Portfolio recovery has been contacted and asked to verify the debit and refuse to do so. 

Portfolio Recovery Associates XX/XX/2020 {$17000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: HW Holding, Inc
State: KY

Complaint narrative:
This company keeps harassing me when I did not have any type of business with them not have I ever given them my information, I also have never given anyone else or any other company the authority to give out or sell any of my personal information. They also keep changing the amount on this collection and keep reporting it to the bureaus falsely and incorrectly every week. Get this mess off of my 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 2021-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
Collection account posted on my credit from an account I've never had. Portfolio recovery has been contacted and asked to verify the debit and refuse to do so. 

Portfolio Recovery Associates XX/XX/2020 {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 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: CO

Complaint narrative:
I have been trying to get a vehicle loan account taken off my credit as its stopping me from future purchases. The reason behind wanting it removed is because the account has been closed and all balances waived however its reporting to credit bureaus as past due XXXX and over 180 days late. I filed thru the credit bureas for a dispute however experian keeps saying account was updated but changing no information i even went as far as attaching the form that credit acceptance sent me showing its been credited amd now have a XXXX balance. I meed this taken off my credit as it should be so i can move forward this is in refrence to the credit acceptance collection woth XXXX  last reporting a balance around XXXX and showing 180+ days past due the account was waived so should be completely removed due to car being retuned due to dealer contract error

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 2021-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 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: FL

Complaint narrative:
Recently I was checking my credit and I found these accounts that don't belong to me. My personal information was a part of the XXXX Data Breach in XXXX and I assume that is when my identity was stolen. These accounts are the result of identity theft. None of these fraudulent accounts are related to any of my legit transactions. I don't know who the perpetrator is and I need these fraud accounts removed as soon as possible. 

These are the fraudulent accounts : XXXX that opened last XX/XX/XXXX, XXXX XXXX that opened last XX/XX/XXXX, XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX OF  XXXX opened last XX/XX/XXXX, DEPT OF EDUCATION/XXXX opened last XX/XX/XXXX, DEPT OF EDUCATION/XXXX opened last XX/XX/XXXX, DEPT OF EDUCATION/XXXXT opened last XX/XX/XXXX, DEPT OF EDUCATION/XXXX opened last XX/XX/XXXX, DEPT OF EDUCATION/XXXX  opened last XX/XX/XXXX, DEPT OF EDUCATION/XXXX opened last XX/XX/XXXX, and DEPT OF EDUCATION/XXXX  opened last XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 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: FL

Complaint narrative:
Recently I was checking my credit and I found these accounts that don't belong to me. My personal information was a part of the XXXX Data Breach in XXXX and I assume that is when my identity was stolen. These accounts are the result of identity theft. None of these fraudulent accounts are related to any of my legit transactions. I don't know who the perpetrator is and I need these fraud accounts removed as soon as possible. 

These are the fraudulent accounts : XXXX that opened last XX/XX/XXXX, XXXX XXXX that opened last XX/XX/XXXX, XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX OF XXXX opened last XX/XX/XXXX, DEPT OF EDUCATION/XXXX opened last XX/XX/XXXX, DEPT OF EDUCATION/XXXX opened last XX/XX/XXXX, DEPT OF EDUCATION/XXXXXXXX opened last XX/XX/XXXX, DEPT OF EDUCATIONXXXX opened last XX/XX/XXXX, DEPT OF EDUCATION/XXXX opened last XX/XX/XXXX, DEPT OF EDUCATION/XXXX  opened last XX/XX/XXXX, and DEPT OF EDUCATION/XXXX opened last XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 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: FL

Complaint narrative:
Im submitting this complaint against XXXX Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Block, Inc.
State: RI

Complaint narrative:
Received a cash app card.I never applied someone used my social security number.I called the company they said they closed my account and that I should file the report

Company response to consumer: Closed with explanation