vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-15 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: ERC
State: AL

Complaint narrative:
Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on the signature date. 

I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. 

I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of a dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 

As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe and I have evidence of such, via certified mail receipts, you must now remove the item. 

Any other action ( or inaction ) on your behalf will result in a small claims action against your company. 

I will be seeking {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 



P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
The company is Midland credit solutions. IT IS FOR XXXX XXXX  WHICH THE ACCOUNT INFO IS WRONG. Their are similarities in name but birthday and social are totally different and it has been verified. Also charter is not available in my part of XXXX. we have XXXX. They hung on me and were very rude and would not remove the charge from my credit report even tho they knew I'm not the person that they are looking for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
My deceased mother established this account l have attempted to dispute this account several times. The company will not give me any information because its in my mothers name. Im trying to but my just home and this item is hindering my progress.

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 2021-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
XXXX years ago I could access every report I wanted present time today I can not access all of my credit reports and I keep getting the runaround for help

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 2021-08-15 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:
XXXX  and equfax ignore my letters disputing a hard Inquary from XXXX XXXX XXXX. I write them 2 letters each in the pass 6 months they never respond and XXXX  XXXX hangs up on me when I call there company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
My wife from whom I separated and flied for divorce in XX/XX/2021, opened two credit cards with CitiCards in my name without my knowledge or permission. She has since admitted to me that she did. 
The first card appeared on my credit report on XX/XX/2021. 
I reported the issue on identitytheft.gov.

Unable to find a phone number of CitiCards to report the issue, I sent CitiCards a letter on XX/XX/XXXX to the address listed on the credit report, demanding that they close the account and that they accept that I am not responsible for the charges. They have not responded to that letter since. 
I also reported the issue to the police of XXXX, MA on XX/XX/XXXX, but have not heard back from them. 
I have since been able to obtain statements for both cards. The first has a credit limit of {$3600.00} and as of XX/XX/XXXX, a balance of {$3500.00}. The second card has a credit limit of {$2000.00} and as of XX/XX/XXXX, a balance of {$1700.00}.

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 2021-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/XXXX, I attempted to pay my statement balance which was {$860.00}. When I logged back into the Citi site the next day, the payment amount was {$770.00}. I called Citi and was told that my payment was in the amount of {$860.00} and that any display of a {$770.00} payment was in error. Today ( XX/XX/XXXX ), I received an e-mail from Citi stating that my payment had been reduced to {$770.00} due to exceeding the account balance ( despite the fact that it did not exceed the account balance at the time it was initiated ). I always pay my balance off in-full, as I do not want to pay interest. I called Citi again. The rep asked how he could help. I explained the situation, and only heard dead air. I asked several times if he would respond. He did not. I called again, and asked if I could file a complaint against the first rep. Again, dead air. I need to know if my payment was reduced and if so, why. I need Citi to confirm that I will pay no interest as a result. I need Citi to tell me why two reps hung up on me.

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 2021-08-15 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: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
Chase JP Morgan has an account with me listed on it as an authorized user under my maiden name XXXX XXXX XXXX XX/XX/XXXX ss XXXX yet has never reported to the credit XXXX score in my name its been there sense XXXX I need them to report. I also tried to replace my card now 5 times and can't seem to get any answers on why they don't know how to issue my replacement. Main name on accout- XXXX XXXX XXXX my uncle.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15 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: FL

Complaint narrative:
It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over sixty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed.

I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely effects me and is in violation of my rights. Thank you for helping me take this federal matter seriously!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AZ

Complaint narrative:
I sent a friend {$500.00} through the Square cash app. It was never accepted and canceled out automatically. I resent the payment, then reached out to him. He never received it. 

We realized that the money had been sent to an account set up with his old work email. I sent the money again to his new account, expecting the other one to be canceled out automatically. Somehow the old account is linked to his new one though, because when he accepted one, the other one was accepted as well. 

Unfortunately my friend no longer has access to that original account. We have bother reached out to Square multiple times about this, but they will not refund the money nor help him access that account. The money is now permanently in an account that no one has access to besides Square. They have essentially stolen this money and are refusing to work to resolve it. 

The only replies I have received from them are standard form responses saying that payments can not be refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15 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: FL

Complaint narrative:
Ive reached out to all three credit bureaus XXXX XXXX and Trans Union Sending letters to request an inaccurate report be taken of my account. Its been over 30 days since I first letters and Ive received no response.

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 2021-08-15 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: FL

Complaint narrative:
Ive reached out to all three credit bureaus XXXX Equifax and XXXX XXXX Sending letters to request an inaccurate report be taken of my account. Its been over 30 days since I first letters and Ive received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
Hello my paypal account is XXXX Few months ago I opened a Paypal account. 
as their Term of Services written in their website they have to offer users " buyer 's protection '' which means I have ability to dispute my transaction and get refund in case not receiving item or if item is " not as described ''. 
https XXXX XXXX you can follow this link. 

So I was sure that I was protected as long as using Paypal for online purchases. 
I made 4 transactions to a merchant on Paypal. 
-I received a letter for two of them ( and seller used them as tracking ) but it was letters that I'll receive my item soon and no need to worry and I opened a NOT AS DESCRIBED case -I didn't received anything for the other two transactions so I opened a " NOT RECEIVED case '' ... .. 

so I opened all of them on XX/XX/2021 and seller was supposed to answer until XX/XX/2021. 
But suddenly Paypal closed all of cases in seller 's favor on XX/XX/2021 and SELLER DIDN'T respond at all this is either a mistake for paypal or I think a fraud from paypal in order not to loose money. 

***** I have also seller 's emails to myself that he confessed he scammed me and I'm not gon na receive any item form him ( emails was sent from the email that he used on paypal ) case IDs was XXXX not received XXXX NOT RECEIVED XXXX not as described XXXX not as described

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC.
State: WA

Complaint narrative:
On XX/XX/2021 I sent a written request to Evergreen Professional Recoveries requesting a breakdown of fees, a copy of my signature with XXXX XXXX showing my signature that allows a release of information, and to cease any credit bureau reporting until the debt was validated. I included a copy of the same request that was sent to all three major credit bureaus. Evergreen Professional Recoveries received the letter on XX/XX/2021. XXXX  and XXXX  removed the accounts from my credit bureau after 30 days due to lack of information from Evergreen Professional Recoveries.

I sent a follow up letter to Evergreen Professional Recoveries on XX/XX/2021 after I did not receive a response of any kind from them. The USPS tracking system shows that they received the letter on XX/XX/2021. To this date I have not received any information from them, they are still reporting my information to XXXX  and one account is still showing on my XXXX  report ( account # XXXX for {$510.00} ). I am attaching copies of all letters and certified mail receipts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a veteran. I have fought for this country for my whole life just to come back and be treated like trash. My family and I have been struggling to find housing during this pandemic to find financing. My entire life I have been mindful of my finance obligations. According to 15 USC 1681 ( A ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and GENERAL REPUTATION OF CONSUMERS. You can review my credit report as evidence to see that my reputation in fact has been ruined. This section clearly says that a consumer 's credit report was established to identify a GENERAL REPUTATION OF CONSUMERS. Also, I stated before I was a victim of the XXXX Data Breach.

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 2021-08-15 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: GA

Complaint narrative:
I am a veteran. I have fought for this country for my whole life just to come back and be treated like trash. My family and I have been struggling to find housing during this pandemic to find financing. My entire life I have been mindful of my finance obligations. According to 15 USC 1681 ( A ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and GENERAL REPUTATION OF CONSUMERS. You can review my credit report as evidence to see that my reputation in fact has been ruined. This section clearly says that a consumer 's credit report was established to identify a GENERAL REPUTATION OF CONSUMERS. Also, I stated before I was a victim of the Equifax Data Breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
An inquiry was made on my credit on XX/XX/2021. The report number is XXXX. I was browsing homes to purchase on XXXX. I submitted an inquiry to see a property I was interested in. I immediately received a call from an agent at XXXX XXXX. He wanted to get some preliminary information to see if I would qualify. I told him that I was still browsing, and that I was not quite ready to proceed with that process. I had just got a job that I have yet to start, and I also had some other things I was trying to get in order. I further told him that I was looking to purchase within the next three months or so. He convinced me to give him some of the preliminary information. Experian immediately decreased my credit 14 points. My score went from XXXX to XXXX instantly for me trying to look for a better home for me and my XXXX children. I am a single dad, and it had been challenging to try to provide for my children. We have been throwing money away for so many years renting, and I want nothing more than to give them a piece of this " so called '' American dream, by purchasing something we can call our own. Experian is the only credit agency I have been consistently having problems with, as hard as I work to get and keep my score up. My credit score is XXXX with XXXX  and XXXX with XXXX, and they both blocked the inquiry without charging like Experian does. Experian is overly obtrusive, and disregards consumer 's privacy. They make it extremely difficult for people, particularly certain socioeconomic groups to get ahead. Please do something to regulate the practices of Experian, and help me to restore my credit score. Thank you.

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 2021-08-15 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: SC

Complaint narrative:
It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over sixty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed. 
I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely effects me and is in violation of my rights. Thank you for helping me take this federal matter seriously!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
XXXX years ago I could access every report I wanted present time today I can not access all of my credit reports and I keep getting the runaround for help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15 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:
It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over sixty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed. 
I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely effects me and is in violation of my rights. Thank you for helping me take this federal matter seriously!

Company response to consumer: Closed with explanation