vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-23 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian does not allow me to initiate online disputes like millions of other customers. I have spoken to representatives in the past, who stated the " online system '' was " down ''. 

Over the past 3 months, the website gives me an error message, " technical difficulties. '' It provides a telephone number to call ( XXXX ), but I can no longer get a representative to help me. 

The CRA - Experian - has forced me to send all of my disputes in writing, which is unfair and unreasonable. Their decision to deny me the ability to dispute online has made it extremely difficult to initiate investigations regarding inaccuracies on my consumer report file. 

I have not had any resolution or acceptable progress to fix this issue for over 3 months. Experian has ignored 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 2021-08-23 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I recently checked my credit report and noticed fraudulent inquiries on my credit report.These are fraudulent accounts and need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
i mailed pyod llc at XXXX XXXX XXXX, XXXX, sc XXXX on XXXX XXXXXXXX about the alleged debt of {$590.00} and the inaccuracies they are reporting on my credit report which caused my score to drop 100 points. they received my letter disputing this alleged debt on XXXX XXXXXXXX it is now XXXX XXXX XXXX. its been more than 30 days since they received my dispute, i have not heard back from them yet. 

i told them that hade have thirty ( 30 ) days from receipt of my notice to respond. Failure to respond in writing, hand-signed, and in a timely manner, will be considered a waiver to any and all of your claims in this matter, and that this matter is permanently closed. Provide the proof or correct the record and remove this invalid debt from all sources to which they have reported it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-23 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: PA

Complaint narrative:
I recently checked my credit report and noticed fraudulent inquiries on my credit report.These are fraudulent accounts and need to be removed immediately.

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 2021-08-23 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: OH

Complaint narrative:
This is the 3 time I have disputed and filed a complaint with the CFPB and the FTC over accounts US DEPT OF EDUCATION # XXXX XXXX XXXX XXXX # XXXX,, XXXX # XXXX XXXX XXXX # XXXX, XXXX # XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXX, XXXX # XXXX XXXX XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX # XXXXThird-Party Collection Agency unable to validate debt . Other problems have included debt buyers selling with accounts with one creditor and then being collecting by another who allegedly purchased the debt ( Smith v. Mallick, 514 F.3d 48 ( D.C.Cir. 2008 ) ), disputes between debt buyers over who owns which account when buyers have purchased partial portfolios ( Wood v. M & J Recovery LLC, CV 05-5564, 2007 U.S. Dist. LEXIS 24157 ( E.D.N.Y., April 2, 2007 ) ( dispute over who owned the 1/5th of a portfolio that included the debtors account ), or debt buyers attempting to collect monies in excess of the balance of a previously settled debt ( Overcash v. United Abstract Group , Inc., 549 F. Supp. 2d 193 ( N.D.N.Y. 2008 ) ) there are so many violations I don't which one to start with. All of these accounts are fraudulent until I see PROOF OF CHAIN OF TITLE OF OWNERSHIP!! I have not received any documentation from any of the above companies and I request again that Proof of Claim and verification.

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 2021-08-23 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 my attorney and I settled for an undisclosed amount with Equifax because of their failure to comply with the fair credit reporting act section 605B pertaining to identity theft. I have recently sent Equifax A new FTC report and police report but according to their records they dont even have the FTC report or police report that was used for the settlement that they had at one time. I find it interesting that this particular credit bureau had a major security breach which unfortunately I was a victim of. Recently we settled a lawsuit because of their failure to comply with the fair credit reporting act and again I am making a complaint prior to suing them again hoping that they will make a correction giving this credit reporting agency the benefit of the doubt. But unfortunately even after I sued them and won They still failed to comply with the FCRA using other countries to answer their calls and process the data for disputing and these countries are not familiar with the FCRA because when I questioned their representatives they are absolutely oblivious to the laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On XX/XX/XXXX I was on my break at work. I looked my email and saw that I was being notified about a XXXX item I purchased and the email had the XXXX logo. I reacted and callled the XXXX number on the Email. I said that I was reading I was being billed approx. {$1600.00}. I called the XXXX number in the email and spoke to a man who said he could help I explained that I had not charged anything and that charge was not me. He said that he could help, and if I could download an app. to add the number XXXX, he instucted also me to enter XXXX and that security would to located the problem and the money for the computer hardware or something like that, would be returned to my XXXX account. During this conversation Detective XXXX XXXX from XXXX PD and whom I work with over heard the conversation and said to hang up its a scam. He also, took the phone to ask questions and to figure out where the call may really be coming then hung up the telephone. I called XXXX and they said the had no record of anything be purchaged on my account. That's when I realized I had been scammed. I immeditately went called the bank and then went to the Branch to close my existing card and was given a temporary card. After that I kept looking at my account and say that {$490.00} was being processed and called and ask them to stop the transfer, and was told they could not. I asked to be covered as in the past when I lost my card or when it was stolen from my purse and used at XXXX. I asked if I needed sign and affivdavit, and was told the bank no longer uses affividavit or signatures. 

I waited until the day I was supposed to be refunded back to my account and called. At which time I was informed I was not getting my money because I signed an E signature which means I was a part of the scam. I explainded I work with the XXXX PD. XXXX  XXXX XXXX walked in when and heard my conversation told me to hang up it's a scam. 
I also spoke to 2 different supervisors at Peoples United Bank who both said the decision was final because I E signed. I told them the man told me to enter XXXX and I did not connect that with a signature and I was not giving permission to just give my earnings away. I was under duress becasue realized I had been scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: Convergent Resources, Inc.
State: CA

Complaint narrative:
I do not recognize this account. The information regarding this account fails to report completely. I do not see the monthly payment, terms, credit limit, past due, and date of last payment being reported.

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 2021-08-23 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: OH

Complaint narrative:
This is the 3 time I have disputed and filed a complaint with the CFPB and the FTC over accounts US DEPT OF EDUCATION # XXXX XXXX XXXX XXXX # XXXX,, XXXX # XXXX XXXX XXXX # XXXX, XXXX # XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXThird-Party Collection Agency unable to validate debt . Other problems have included debt buyers selling with accounts with one creditor and then being collecting by another who allegedly purchased the debt ( Smith v. Mallick, 514 F.3d 48 ( D.C.Cir. 2008 ) ), disputes between debt buyers over who owns which account when buyers have purchased partial portfolios ( Wood v. M & J Recovery LLC, CV 05-5564, 2007 U.S. Dist. LEXIS 24157 ( E.D.N.Y., April 2, 2007 ) ( dispute over who owned the 1/5th of a portfolio that included the debtors account ), or debt buyers attempting to collect monies in excess of the balance of a previously settled debt ( Overcash v. United Abstract Group , Inc., 549 F. Supp. 2d 193 ( N.D.N.Y. 2008 ) ) there are so many violations I don't which one to start with. All of these accounts are fraudulent until I see PROOF OF CHAIN OF TITLE OF OWNERSHIP!! I have not received any documentation from any of the above companies and I request again that Proof of Claim and verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: OH

Complaint narrative:
This is the 3 time I have disputed and filed a complaint with the CFPB and the FTC over accounts US DEPT OF EDUCATION # XXXX XXXX XXXX XXXX # XXXX,, XXXX # XXXX XXXX XXXX # XXXX, XXXX # XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThird-Party Collection Agency unable to validate debt . Other problems have included debt buyers selling with accounts with one creditor and then being collecting by another who allegedly purchased the debt ( Smith v. Mallick, 514 F.3d 48 ( D.C.Cir. 2008 ) ), disputes between debt buyers over who owns which account when buyers have purchased partial portfolios ( Wood v. M & J Recovery LLC, CV 05-5564, 2007 U.S. Dist. LEXIS 24157 ( E.D.N.Y., April 2, 2007 ) ( dispute over who owned the 1/5th of a portfolio that included the debtors account ), or debt buyers attempting to collect monies in excess of the balance of a previously settled debt ( Overcash v. United Abstract Group , Inc., 549 F. Supp. 2d 193 ( N.D.N.Y. 2008 ) ) there are so many violations I don't which one to start with. All of these accounts are fraudulent until I see PROOF OF CHAIN OF TITLE OF OWNERSHIP!! I have not received any documentation from any of the above companies and I request again that Proof of Claim and verification.

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 2021-08-23 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I do not recognize this account. The information regarding this account fails to report completely. I do not see the monthly payment, terms, credit limit, past due, and date of last payment being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I do not recognize this account. The information regarding this account fails to report completely. I do not see the monthly payment, terms, credit limit, past due, and date of last payment being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
I, XXXX XXXX XXXX, am writing to inform you of an income in my name to the IRS in a form of 1099-C of {$19000.00} for the tax year of XXXX. This led to the IRS sending me a tax debt for XXXX in the amount of {$4200.00} due to this income that was not earned by me at any time. The complete name was DITECH FINANCIAL LLC XXXX. This company looks to be associated with Mortgage type debts. The IRS showed it as cancellation of debt in my name and Social Security number. Due to that fact, the IRS shows it as taxable income. Not only have I not had any type of debt with this company, I have not had any type of mortgage related debt in over 20 plus years. The following information the IRS has provided to me are listed below ; DITECH FINANCIAL LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Acct # XXXX Date : XX/XX/XXXX Amount {$19000.00}

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 2021-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Capitalone is harassment on my payment that is not due till XXXX of each month.Saying payment due by XXXX? Than they charge me without Notice {$25.00} on XXXX XXXXAbout your Platinum Card ending in XXXX Dont forget, your online payment is due by XXXX XXXX. ET on XX/XX/. Capitalone must have the meanest people working for them.I made XXXX dollar payment on XXXX of XXXX, they was only asking for XXXX dollars.See how the world is ignorant to Seniors, futhermore i the victim cfpb what does it stand for? Consumer Financial Protection right but you always let crooked companys win.Capitalone is not nice company and they wanted me to open up 360 checking account.So my social security direct deposit goes in i almost did it.But catch is must have two direct deposit.Futhermore they dont explain how i could add different payment, i tried paying earlyier on XXXX, but could not figure out, i try email, but there email was return because i/you cant send or answer emails.Just like XXXX  shop they listed in XXXX XXXX and XXXX.With impossible get hold of like capitalone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
To whom it may concern I am writing in response to the correspondence received from a representative of US Bank as it relates to the miss-use of my 2nd stimulus check. The representative indicated that US Bank does have possession of that check and did deposit those funds Into an account that has been closed in excess of four months. That account had been closed for the same reason that my first business account with US bank was closed, due to hacking and theft. As of XX/XX/XXXX fraudulent checks were still being presented according to their fraud liaison. 

My concerns are as follows : 1. It is a business account that a personal check to me was deposited into that I myself, as a consumer can not deposit into my own account. My children and I are XXXX XXXX XXXX XXXXXXXX and still XXXX, XXXX, and my children live in constant XXXX  of their lives. I cant move cause of this. 

2. I spoke With representatives of US Bank in the month of XXXX as well as XXXX to confirm they had not received my second stimulus nor the third check. Each of those times they indicated that because the account was closed that it would be automatically returned back to the IRS. 

3. It was the IRS themselves Who indicated that XXXX XXXX  did have possession of the check as of the end of XXXX in an account with my Social Security number attached to it. It was not until I reached out to the XXXX XXXX XXXX that the bank indicated that they had received it. They then indicated that it had been electronically transferred to US Bank. Upon Which I contacted US Bank and they confirmed they opened this closed account and deposited the {$2400.00} XXXX XXXX XXXX after the previous 4 months being told no that it would reject it and return to the IRS. IF THEY HAD NOT STATED THAT I WOULD OF NEVER COME TO KNOW OF XXXX XXXX  months later. So this statement in this letter is another lie. The ledger clearly say Tax related. So they he couldnt tell where it came from? 

4. I then initiated a trace on the second stimilus check with the assistance of Senator XXXX XXXX and the office of Rep. XXXX XXXX. In my next communications with a representative of US Bank we were told that the check was no longer in that account. They were asked at least twice on that day to verify that what they were saying was true. 

5. I would like to add that I did forward my current banking information to XXXX XXXX  early on with a plea to transfer it to the correct account given the situation with no response. 

It is my hope that a speedy resolution can be devised. 


Cordially, Mr. 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 2021-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: PENTAGON FEDERAL CREDIT UNION
State: WA

Complaint narrative:
I received an unsolicited Credit/Debit card in the mail from PENFED Credit Union on XX/XX/XXXX. 
I called their Consumer Fraud number through the customer service number listed on the fraudulent card : XXXX to cancel this card. Tomorrow I will call member services to make sure the account in my name is closed. 
I am worried that someone has my Social Security number. 
I called XXXX and XXXX to place a Fraud Alert on all my Credit files. 
What else should I do to protect my Identity. I am normally very careful to use known/trusted companies to purchase items online through 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 2021-08-23 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: TN

Complaint narrative:
IT HAS NOW BEEN MORE THAN 45 DAYS WITHOUT A RESPONSE FROM THE BUREAUS ON THE INCORRECT ITEMS ON MY CREDIT REPORTS AND I AM REQUESTING THAT THE FRAUDULENT ITEMS BE REMOVED FROM MY REPORTS AS SOON AS POSSIBLE.

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 2021-08-23 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: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
I was overlooking my credit report and noticed 3 accounts were opened in my name using my information. 2 were opened XXXX and the other opened in XXXX, i have no knowledge of these accounts being opened nor did i give anyone permission to use information this was not me!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: I.C. System, Inc.
State: PA

Complaint narrative:
I was overlooking my credit report and noticed 3 accounts were opened in my name using my information. 2 were opened XXXX and the other opened in XXXX, i have no knowledge of these accounts being opened nor did i give anyone permission to use information this was not 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