vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-01 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: TN

Complaint narrative:
In XX/XX/XXXX I was made aware of an incorrectly reported medical charge-off. The error was with the medical center accounting as the funds were paid through insurance. Additionally, we were never notified of the issue nor that the issue was being turned over to an outside collection agency nor that the information was going to be reported negative on my credit reports. I only found out about because I pulled an annual report. This finding was disputed in XX/XX/XXXX with the three reporting agencies and the information was removed. I am only able to locate one of the dispute confirmation numbers ( XXXX ) and only one " deleted '' screen shot from XXXX. End result is this debt is now once again showing up on my bureaus. XXXX and XXXX and XXXX XXXX XXXX are the same debt and neither should be showing on any of my bureaus. It should NOT be showing as a debt, a past due debt, a paid debt, a collection account, an account paid in full was a collection account, a charge-off, or as a paid charge-off. This amount was cleared up with the emergency services accounting and billing department and was never a credit bureau listed debt, also proper notice was never given to me that this was going to be placed on my credit report, nor as a negative entry. The incorrect reporting on my bureaus was cleared up and deleted in XX/XX/XXXX and now the same information is back on my reports in XX/XX/XXXX! This cost me MONEY in increased interest rate as it affected my FICO score! This should be illegal for them to do, it needs to be once again removed ASAP!

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 2022-01-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Estoppel of Silence If a creditor or collection agency fails to answer your validation letter you should send an Estoppel of Silence Letter XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI, XXXX XXXX Dear XXXX XXXX This CFPB letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically you : - Failed to validate a debt at my requestFDCPA violation -Continued to report a disputed debt to the CRAFCRA violation Not only have you ignored my prior requests for validation of debt ( proof enclosed- receipt copies or letter copies ), but you continue to report this debt to the credit bureaus, causing damage to my character. This letter will again request that you follow the FDCPA and provide the following : Validation of Debt Request - Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest, and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak, but failed to do so. Therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. 
I expect to receive proof requested above, within 15 days of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as indicated under both the FDCPA and the FCRA. I may seek damages from you if warranted. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI, 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 non-monetary relief
Consumer complaint received 2022-01-01 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: MI

Complaint narrative:
Estoppel of Silence If a creditor or collection agency fails to answer your validation letter you should send an Estoppel of Silence Letter XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI, XXXX XXXX Dear Capital One, This CFPB letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically you : - Failed to validate a debt at my requestFDCPA violation -Continued to report a disputed debt to the CRAFCRA violation Not only have you ignored my prior requests for validation of debt ( proof enclosed- receipt copies or letter copies ), but you continue to report this debt to the credit bureaus, causing damage to my character. This letter will again request that you follow the FDCPA and provide the following : Validation of Debt Request - Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest, and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak, but failed to do so. Therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. 
I expect to receive proof requested above, within 15 days of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as indicated under both the FDCPA and the FCRA. I may seek damages from you if warranted. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01 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: GA

Complaint narrative:
On XX/XX/21 I disputed online and sent a letter to Experian regarding a collection appearing on my credit report with the company XXXXXXXX XXXX  XXXX, which this collection isnt mine. Also, I contacted the original creditor several times, no answer. 

On XX/XX/21 Experian online alerts stated, The dispute for the account with XXXXXXXX XXXX XXXXXXXX XXXX that starts with XXXX was not changed as a result of our processing of your dispute. The company that reported the information has certi-ed to Experian that the information is accurate. 

Legally, according to FCRA any items unauthorized or unverified MUST be removed. 
Experian didnt provide any proof of this collection.

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 2022-01-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Fraud charges started showing up on my credit card on my Chase XXXX credit card on XX/XX/XXXX and I caught them on XX/XX/XXXX. They had charged charged over {$21000.00} while on a shopping spree around XXXX, TX, with a bulk of the charges at XXXX, XXXX, XXXX, and XXXX. 

I contacted Chase on XX/XX/XXXX to let them know about the fraud charges and we cancelled card number and they sent me a replacement. 

I received a call from a fraud specialist 2 days later. She explained to me that it was my responsibility to visit all the stores personally and investigate the fraud... I'm pretty sure the credit card company is supposed to handle this. The fraud charges were removed from my account the next day. 

Now it's XX/XX/XXXX and the charges are now back on my account and nobody has contacted me regarding why. I did not make these purchases and I should not be responsible for them. 

The document attached shows all of the disputed fraud charges- 13 in total.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01 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:
Submitted to Equifax copies of fraud complaints filed in XXXX XXXX Florida with Police and Civil action against fraudster. Submitted copies of Identity Theft, Equifax fails consistently to review attachments to correct account to zero balance. Attorney XXXX and XXXX supplied zero balance letter on the behalf of XXXX XXXX and previously sent to Equifax and on XX/XX/2021 dropped my credit score to XXXX stating balance still owed. 

XXXX  XXXX balance is at zero and Equifax refuses to update current status. I have submitted 3 investigations and fail each time due diligence and report inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One Bank offered checking and savings account but closed many branches. So in order to access money, we have to travel to the limited branches that are now open. Yet the website offers non-fee ATM in various authorized locations. The website located : XXXX XXXX XXXX, XXXX XXXX NY XXXX ( AD # XXXX ). So I went to this location to access my money and was charged and additional {$3.00} and the following day Capital One charge an additional {$2.00}. Capital One representatives transferred me over twice after and repeatedly told me she is unable to see the extra charges. Finally, she told me there was nothing she can do and I should only use my XXXX accounts. So I closed my savings account ( # XXXX ). My issue was on this account and she kept fixated on my other accounts. The is no previous or current documentation that Capital One Clients should close their accounts and only go XXXX to receive full benefits. This should be published so previously open accounts patrons can be aware of Capital One 's current business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCB Management Services Inc.
State: CA

Complaint narrative:
On XX/XX/2021, I visited the website belonging to NCBI Management Services Incorporated, a debt collection service, in hopes that I could create a user account, view my account balance, and plan a course forward. 

I was able to successfully register with their portal and view my account balance, which at the time was {$3800.00}. When I clicked on payment plans so see their suggested payment schedule, a banner appeared toward the top of the window, saying that I have " offers available '' and suggesting I use their payment wizard. I clicked and was taken to my offers. 

The only offer presented to me was a SETTLEMENT payment of {$760.00}. They gave me numerous time-frames in which to pay the {$760.00} ( a little up front with weekly payments thereafter, steady bi-weekly payments, etc ), but in every case the bottom line was the same - pay {$760.00} and the account would be settled and the collection closed. 

I thought the offer was reasonable and wanting to make some progress on financial matters before the XXXX XXXX, I decided to pay the {$760.00} in a lump sum as offered by their wizard on the " my offers '' section. 

I added my bank account, read the terms, which stated clearly that this was a settlement offer and that it wouldn't show as fully paid on my credit report, and checked the box to accept. I checked the box that acknowledged that any " savings '' I made in the difference between the " original balance '' and the " settlement '' amount were taxable and would be reported to the IRS. I accepted all that and paid the amount in full, thus settling the account and closing the collection. 

The problem I now face came about when NCB didn't report my SETTLEMENT payment as a settlement payment, but rather as just payment against the total original balance. My online account now shows I owe over {$3000.00} instead of the original {$3800.00}, when it should, per our agreement and THEIR terms, be reflected as settled. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I did not consent to, authorize, or benefit from any of the inquiries attached.

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 2022-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: OR

Complaint narrative:
complaint reference code XXXX discover checking account was blocked every time I tried to transfer funds from/to one of the previously linked checking or saving account to the discover XXXX or a real checking account Discover does not offer any real checking account, since a real checking account should be able to send and receive funds transfers from previusly linked external checking/saving accounts without a account block after each transaction The entire web internet is currently making fun of them since discover block/freezes the discover checking account if 1 there is a funds transfer credit, started from a previously linked external checking/saving account registered under the same name 2 there is a funds transfer debit, started from a previously linked external checking/saving account registered under the same name 3 there is a funds transfer credit, started from discover and pulled from the previusly linked checking/saving registered under the same name 4 there is a funds transfer debit, started from discover and pushed to the previusly linked checking/saving registered under the same name 5 if a customer does not use the debit card for a certain period of time and suddently starts tto use the debit card also for low amounts, then again discover blocks the checking account The bank is not normal, they even have a separate page were customer can upload the document id to confirm identity unlimited times and they name the page " secure page or secure upload or whatever '' I have uploaded my document id twice already t The first time they unblocked the checking account, but the account was blocked again when I tried to deposit funds to discover with a funds transfer from a previously linked checking/saving account registered under the same same, my name, as indicated above The banks need to make up their minds they have to decide if they want to operate n the internet or if are unable to operate on the web, they should work put the web only, offline, they don't have the permission to waste customers valuable time, with their strange procedures The result of their strange procedures can be found on the internet, the entire web is making fun of the so called bank The checking accounts was probably closed without notice, not even a simple email, maybe they are unable to type a email, because they need the help of the hight tech technology, the nasa, to be able to send email notifications I had funds in the checking account that were not refunded perhaps, they still trying to send a sms to the email adress registered on the discover checking account? 

good luck I will tell to each person that I know. that discover blocks checking accounts With no real reason

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01 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: MI

Complaint narrative:
I did not consent to, authorize, nor benefit from any of the inquires listed. Please block and remove them

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 2022-01-01 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: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
On or about XX/XX/2021, I entered into a consumer credit transaction with XXXX XXXX who then illegally and fraudulently used my social security number and extended my credit to Toyota Motor Credit Corporation without my consent. During this consumer credit transaction, I was told that I would I be entering into this consumer credit transaction with XXXX XXXX XXXX and that I did not have a right to rescind this transaction under any circumstances. Attached you will find my ; Affidavit of Truth, revocation of Power of Attorney and agreement between myself the natural person and consumer between XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: NJ

Complaint narrative:
ASSET CARE LLC, ACCOUNT # : XXXX ; located ; XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX HAS BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNT OF {$100.00}. THE COLLECTION HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMAPNY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-01 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:
Since XX/XX/2021 ; I have filed numerous complaints regarding XXXX, XXXX, and Transunion unwillingness to DELETE erroneous activity found on my credit report. I am the victim of several data breaches, and have provided supporting documentation. To this very day, a few minor deletions have occurred. However, all of the major infractions have established a stronghold with zero intentions of departure. I have spent thousands of dollars adamantly attempting to resolve this matter, but all to no avail. My requests are simple : DELETE EVERY DEROGATORY ITEM IMMEDIATELY OR PAY ME {$1000.00} PER ITEM. To this very day, neither has transpired!!!

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 2022-01-01 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:
Since XX/XX/2021 ; I have filed numerous complaints regarding Equifax, XXXX, and XXXX unwillingness to DELETE erroneous activity found on my credit report. I am the victim of several data breaches, and have provided supporting documentation. To this very day, a few minor deletions have occurred. However, all of the major infractions have established a stronghold with zero intentions of departure. I have spent thousands of dollars adamantly attempting to resolve this matter, but all to no avail. My requests are simple : DELETE EVERY DEROGATORY ITEM IMMEDIATELY OR PAY ME {$1000.00} PER ITEM. To this very day, neither has transpired!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01 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: DISCOVER BANK
State: CA

Complaint narrative:
I was defrauded {$2100.00} from a Discover Card merchant named XXXX XXXX on XX/XX/2021. I provided evidence proving that I was defrauded, but Discover Card ignored the evidence and wrongly sided with the merchant. Discover Card has profited from this fraud by wrongly charging me monthly interest on this fraudulent charge of {$2100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01 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: CA

Complaint narrative:
I HAVE SENT NUMEROUS LETTERS TO THE CREDIT REPORTING AGENCIES ASKING THEM TO REMOVE INQUIRIES THAT DO NOT BELONG TO ME AS WELL AS ACCOUNTS THAT DO NOT BELONG TO ME.

I AM A VICITIM OF IDENTITY THEFT AND I HAVE FILED TWO REPORTS WITH THE FTC AND THE CREDIT AGENCIES ARE NOT RESPONDING NOR REMOVING THE ITEMS FROM MY REPORT AS REQUESTED

I HAVE ALSO ASKED THE AGENCIES TO VALIDATE CERTAIN ACCOUNTS, WHICH THEY HAVE FAILED TO DO SO, I HAVE SENT NOT ONLY A 30 DAYS NOTICE BUT  60 DAY NOTICE OF INTENT TO FILE A COMPLAINT IF NON COMPLIANT

I HAVE SENT LETTERS TO ALL THREE CREDIT BERUEAS ON THE FOLLOWING DATES XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX& 1XX/XX/XXXX
FEDERAL LAW REQUIRES THE AGENCIES TO RESPOND WITHIN 30 DAYS, AND THEY HAVE YET TO RESPOND, BECAUSE OF THEIR FAILURE AND ACCORDING TO THE FEDERAL REGULATIONS THE CREDDIT REPORTING AEGENCIES SHALL BE INVESTIGATED BY THE Federal Trade Commission (see 15 USC 41, et seq.).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01 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: CITIBANK, N.A.
State: TX

Complaint narrative:
Please see attached scanned letters to Sears Citi Mastercard complaining about my stolen credit card and and the Company 's replies : they basically deny my cards or card information was stolen and used to make over {$6000.00} USD of charges in XX/XX/2020 made in XXXX XXXX at stores I've never visited ( during the COVID-19 pandemic while XXXX XXXX service to return to the USA was non-existent ). I demanded the cessation of monthly debit payments to my XXXX XXXX XXXXXXXX XXXX account [ a bank officer tried to block their monthly debits to no effect! ] and the refund of money I'd paid them, but they ( Citibank ) persist in billing me and ruining my credit score and history!

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