vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-29 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: Navient Solutions, LLC.
State: PA

Complaint narrative:
There are late payments on my credit when I was granted a leave of absence and I was disputing charges as I received student loan and university failed to provide required courses for graduation and degree or transcripts

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Outsource Group, Inc
State: MO

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Adjustment Bureau, Inc.
State: IA

Complaint narrative:
On XX/XX/2021, I submitted a complaint to the CFPB in regards to the issue I am having with Financial Adjustment Bureau. The collector responded to the complaint on XX/XX/2021, and advised that because the account was not disputed within the initial 30 day validation periods they were not obligated to respond. 15 U.S.C. 1692g ( c ) provides that failure by the consumer to dispute the debt during the thirty-day period after the debt collector 's initial communication with the consumer may not be construed by any court as an admission by the consumer that he is liable for the debt. I did not receive any proof from the collector that I was notified of the debts. The company has violated Iowa Consumer Credit Code 537.7103 ( c ) by failing to negotiate my disputes in good faith and willfully refusing to correct the issue. The company claims they have no responsibility to respond to a validation request, but this is false as they're a debt collector and not the original creditor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: LendingUSA
State: NY

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: GA

Complaint narrative:
XXXX TransUnion. XXXX I am filing a claim against these reporting agencies for falsely having wrong information on my credit report making it hard for me to have a better life. I have tried to communicate with them will not return my calls TransUnion ask for my information says it wrong so I can't get in 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 2021-06-29 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:
On XX/XX/2021 & XX/XX/2021 inquires for a loan was pulled on my credit fraudulently with XXXX XXXX, XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Phone XXXX. 

On XX/XX/2021, XXXX Bank was phoned and notified via email that I did not submit this application and it was identity theft. 

On XX/XX/2021, I placed a credit fraud alert and freeze was put on my account with credit bureau, TransUnion. TransUnion notified XXXX  and XXXX with the help of XXXXXXXX XXXX  Customer Service XXXXenter ( they were excellent ). 

On XX/XX/2021 an XXXX report was filled out and on XX/XX/2021 it was emailed to XXXX 's identity theft fraud department. 

A response on XX/XX/2021 was given that XXXXXXXX XXXX XXXX funded the account and they needed their own " Identity Theft Victim 's Complaint and Affidavit '' submitted. XXXX was well aware that this account was opened with stolen identity and funded it anyways. 

On XX/XX/2021 the required form was submitted and a police report was filed with local police agency. XXXX still has not responded. 

Several inquires of fraudulent accounts attempted to be opened with several banks and agencies that did not fund the accounts as the phone number and email address did not seem legitimate ; XXXXXXXX XXXX did anyways.

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 2021-06-29 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On Monday, XX/XX/2021 my wallet was taken from my vehicle without my knowledge. I was not aware that my wallet was taken until I received a text message on XX/XX/2021 from my primary bank XXXX that unusual activity had been detected on my card. Soon after I received another notification from Chase that unusual activity had been detected on my account. I immediately got in contact with every financial institution I have a relationship with to cancel my credit cards. I also filed a police report that same day XXXX XX/XX/XXXX XXXX. XXXX reversed the charges immediately. XXXX also reversed all charges. I informed Chase on XX/XX/2021 that my wallet, including my Chase Slate card ending in XXXX had also been taken. 

The disputed transactions include a {$500.00} charge at XXXX XXXX in a city that I do not live in. A {$180.00} charge at XXXX in a city I do not live in. And an {$18.00} charge at XXXX in a city that I do not live in. All these purchases were made on XX/XX/2021. The time of the purchases is not printed on my statement. 

On XX/XX/2021, I received a letter from Chase stating that a fraud team had reviewed my claim and that the charges would be reinstated because they were valid. I was never contacted by any Chase employee or agent during this first investigation. I called Chase as soon as I received the letter to inform them that their conclusion was in error. I was directed over the phone to send supplemental information to an email address with my name last 4 digits of the card number and any supporting documents. Along with the information they requested I sent two police reports that I filed on XX/XX/2021, screenshots of the usual activity notifications that I had received from Chase, XXXX, and XXXX ; and the notice of Fraud on my accounts that I filed with XXXX  on XX/XX/2021. 

On XX/XX/2021 I received a second letter stating that the transactions were valid and reinstating the charges. I was never called for this second investigation and I was never informed that the documents I provided were insufficient to establish my claim. This second letter also referenced an incorrect account number. On XX/XX/2021, I sent a letter via XXXX to Chase notifying them of their obligations under Fair Credit Billing Act and laying out in detail the nature of my claim and sending additional supporting documents such as a bill to replace my driver 's license that was taken along with my wallet, resolution of the dispute in my favor with other institutions, text message communications with my landlord on the day XXXX found out that my car had been broken into, my location on XXXX XXXX  on the day of the purchases, and other documents supporting my fraud claim. 

I have not received a response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-29 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: NV

Complaint narrative:
I purchased my triple credit report on XX/XX/XXXX I don't understand why these 3 bureaus have totally different information, inaccurate, Inconsistent information if the information came from one creditor. 

It has several FCRA XXXX XXXX XXXXXXXX XXXX  & XXXX : It's inaccurate and inconsistent, it's not reported the same as required by law. 

1. Date of Last Activity inconsistent/Inaccurate : XXXX  XX/XX/XXXX, XXXX XXXXXX/XX/XXXX XXXX Equifax XX/XX/XXXX XXXX. Payment History : XXXX XXXX XXXXXXXX XXXX has been reported XXXX times on XXXX  but It was charged off one time. 
NO payment history on XXXX, it's inaccurate XXXX  XXXX  days late : XXXX XXXXXXXX, XXXX XXXX days late. 
This should be the same on all 3 bureaus 3. Close Date Inconsistent/ Inaccurate ; XXXX XX/XX/XXXX, XXXX  No Date, XXXX NO Date 4. High Balance Inconsistent/ Inaccurate ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Terms : Not Listed on XXXXXXXX XXXX  or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I purchased my triple credit report on XXXX I don't understand why these 3 bureaus have totally different information, inaccurate, Inconsistent information if the information came from one creditor.

It has several FCRA Violations From XXXX XXXX & XXXX : It's inaccurate and inconsistent, it's not reported the same as required by law.

1. Date of Last Activity inconsistent/Inaccurate : XXXX XXXX Experian XXXX  & XXXX XXXX  2. Payment History : Inconsistent & Inaccurate CO has been reported XXXX times on Experian but It was charged off one time.

NO payment history on XXXX it's inaccurate XXXX XXXX days late : Experian 1XXXX, XXXX XXXX  days late.

This should be the same on all 3 bureaus 3. Close Date Inconsistent/ Inaccurate ; XXXX XXXX, XXXX  No Date, XXXX NO Date 4. High Balance Inconsistent/ Inaccurate ; XXXX XXXX XXXX XXXX XXXX XXXX 5. Terms : Not Listed on XXXX XXXX  or 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 2021-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
This is not my account. Someone stole my identity and opened many accts under my name without my permission or authority. Please verify all information is truly mine, correct and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-29 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: FL

Complaint narrative:
I have two different financial institutions XXXX and Capital One stating I put in an application to receive a line of credit. This was not done by me. I contacted the banks and told them about this issue. Can you please remove these from my credit report. Dates XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-29 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: OneMain Finance Corporation
State: FL

Complaint narrative:
I have two different financial institutions Onemain and XXXX XXXX stating I put in an application to receive a line of credit. This was not done by me. I contacted the banks and told them about this issue. Can you please remove these from my credit report. Dates XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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:
Experian, XXXX XXXX I am filing a claim against these reporting agencies for falsely having wrong information on my credit report making it hard for me to have a better life. I have tried to communicate with them will not return my calls XXXX ask for my information says it wrong so I can't get in 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 2021-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
Yes I had a Paypal account never really used it much but I filed for unemployment back in XX/XX/2020 I was approved for unemployment and back pay the only account I had at the time was Paypal no sooner then my unemployment deposited into my PayPal they permanently limited my account without notifying me I thought with them for probably a week and it was all over an address my address is different on my PayPal than it was on my unemployment I sent in all documentation that they ask for plus more also had my unemployment office on three-way verifying who it was where the money was coming from and who was going to they still kept my account on permanent limitation said it would be 180 days or less when I would be able to transfer my funds I am now past my 180 days they will not answer any questions it won't tell me anything you are not XXXX let me transfer my money or send me a check or anything I have been fighting so I can't fight no more there's almost {$19000.00} sent in my account and I've lost vehicles and everything over all this mess and I have nowhere else to turn I was told about y'all so I'm contacting y'all to see if y'all would be able to direct me in the right direction

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: CA

Complaint narrative:
THIS IS MY SECOND TIME WRITING YOU GUYS. I NEVER GOT A REPONSE THE FIRST TIME I SENT OUT MY LETTERS. WHICH IS VIOLATION I AM HERE SENDING MY COMPLAINT. TO WHOM THIS MAY CONCERN Pursuant to 15 usc 1681a ( 2 ) ( b ) " any authorization or approval of a specific extension of credit directly or indusrectly by the issuer of a credit card of similar device " Should be exlcuded form a consumer report. The definition of a credit card under 15 usc 1681 is the same as it under 15 usc 1602 ( i ) which is " the term ' credit card '' means any card, plate, coupon book or other credit device exisiting for the purpose of obtaining, money, propery, labor, or sevices on credit ''. Notice, congress said ANy card. The credit card is my social secuirty card. This is the credit card i used to orginate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( b ). I am demanding that you remove these Transeactions from my report immediatly as they are a violation of my rights as a fedraaly protected consumer under title 15 chapter XXXX. 

I know that I have the right to privacy as a consumer which is stated in 15 USC 1681 ( a ) ( 4 ). You dont have the right to furnish my information on my consumer report stated by law. You are committing idenity theft i never gave you permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2021-06-29 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: TX

Complaint narrative:
For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. XXXX XXXX XXXX, No. 95-6445 ( C.D.Cal. Nov. 14 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: AZ

Complaint narrative:
Trans Union is reporting an inaccuracy on my credit report. XXXX, and XXXX  deleted the accounts unable to verify, and TransUnion has Not provided the outcome of their investigation.

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 2021-06-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmerAssist A/R Solutions, Inc.
State: FL

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: NY

Complaint narrative:
Someone stole my identity and opened many accounts without my permission or authority.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Someone stole my identity and opened many accounts without my permission or authority.

Company response to consumer: Closed with explanation