vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CARD Corporation
State: CA

Complaint narrative:
On XX/XX/21 I Submitted a direct debit transfer from my prepaid CARD.COM card.When logging into my newly opened XXXX XXXX Account I found that it I couldnt access it so I immediately called and found out my account was in Closing because of the Large amount of direct debits well I awaited two weeks only to receive a {$500.00} check from XXXX XXXX this was my opening deposit and as for the second transaction for {$1000.00} I was very upset to hear that XXXX XXXX couldn't locate my money I had to file a dispute it actually took 2 weeks for them to locate my money and inform me about the investigation they informed me in writing that they did locate the debit transaction and in writing they informed me it was sent the day it was received back to card.com now since then I have submitted 2disputes with card.com and just two days ago was informed by a representative the closed my dispute.Well I told him that I have new evidence to submit the letters from XXXX XXXX closing my dispute and informing me it was sent back to card com I have not received nothing by mail I have updated my number and card.com has not attempted to reach out to me and my {$1000.00} translation has not been deposited back to my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I want XXXX is violating the law because the XXXX account # XXXX open dated XX/XX/XXXX is inaccurate, TransUnion open dated on this same account is XX/XX/XXXX. I been disputing this account for inaccurate and it keeps coming back verified for months on XX/XX/XXXX, XXXX & XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: AZ

Complaint narrative:
This is XXXX XXXX XXXX I have tried this before and you sent me mail saying this isn't me but i guess i will try again. I have been trying to get these false information off of my credit report since XXXX. They are still reporting this stuff and severely hurting my credit. I have reached out to everyone i can possibly contact from the debt collectors to the credit agencies and nobody has been able to validate the debts or even update me on whats going on. I am so stressed out everyday checking to see if they email me or remove anything from my report but it has been a nightmare every since i saw this stuff. The debts are not mine. I have the same name as a family member and my information was compromised in the XXXX and XXXX data breach so i don't know what is really going on. The yare violating the fair credit reporting act it has been over 65 days and i'm still suffering this nightmare. Please get them to react to my disputes.

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 2021-05-26 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: IL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the XXXX you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I sent a letter of violation on XX/XX/2021. It has been more than 30 days. 
This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my consumer report. 

This is also in violation of 15 U.S.C. 1692b. Which states that a consumer report from any reporting agency can only be furnished in accordance of the written consent of the consumer it relates to. 

Failure to respond satisfactorily with deletion of the above referenced account and also a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation of Character 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g and 15 U.S.C. 1681b

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: American First Finance, Inc.
State: MI

Complaint narrative:
Someone stole my ssn and applied for a loan for americanfirstfinance without my permission and they did it on my phone I need my ssn shut down please and thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I sent a letter of violation on XX/XX/2021. It has been more than 30 days. 
This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my consumer report. 

This is also in violation of 15 U.S.C. 1692b. Which states that a consumer report from any reporting agency can only be furnished in accordance of the written consent of the consumer it relates to. 

Failure to respond satisfactorily with deletion of the above referenced account and also a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation of Character 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g and 15 U.S.C. 1681b

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 2021-05-26 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: NJ

Complaint narrative:
I want Experian is violating the law because the discoverbank account # XXXX open dated XX/XX/XXXX is inaccurate, XXXX open dated on this same account is XX/XX/XXXX. I been disputing this account for inaccurate and it keeps coming back verified for months on XX/XX/XXXX, XXXX & XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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. Trans Union Corp., 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 2021-05-26 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: AL

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. Trans Union Corp., No. 95-6445 ( C.D.Cal. XX/XX/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 2021-05-26 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: MO

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: IL

Complaint narrative:
My account is restricted from trading, deposits, and withdraws due to verification pending. Ive sent my ID and tried their Wire Transfer option to prove my identity and still havent heard anything from the company. It has been almost a month and i have money in my account that i need. Ive sent them mulitple emails with no reply, i honestly feel like they are scamming me at this point

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: IL

Complaint narrative:
On XX/XX/XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Outsource Group, Inc
State: NJ

Complaint narrative:
They contacted me as XXXX XXXX regarding a medical debt saying I owed XXXX XXXX XXXX, however I sent them.a copy of my explanation of benefits stating I did not own that dr any money. Therefore there letter could not be validated. A month or so later I recieve another letter from I guess their partner company.A month or so later I get another letter from Medi credit aboutthe same {$93.00} Debt this time with a different date of service as the initial information was incorrect.After getting into it with XXXX XXXX and his Manager. I called XXXX XXXX XXXX XXXX and asked did I owe any money and paid them directly.The debt collectors knowingly having this information back dated the dates and reported this information to my credit report unlawfully.1 because I did not have a contract with them.2 because they never validated the debt. The collection was removed from my report after I disputed it, The better business bureau put it back a monthXX/XX/XXXXFCRA law Violation see attached

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Trans Union has a creed freeze on my account for6 months but still if I use services like XXXX XXXX and XXXX  XXXX they allow them to let HARD INQUIRIES come on credit report to scam money. I ask for FAIR CREDIT REPORTING ACT SECTION 604 and 609. I sent them registered mail with the federal law to have them show anything Oi did to make these hard inquiries. It is your job to tell them to stop fraud for money on my expense. If they did what the fcra 604 sad then I couldn't show you how they all 3 are ringing money on customers exsoese then there customer service is XXXX and they have know idea what American laws do. They are trained to say no and that is all the major credit bureau does. I work hard and these hard inquires are fraud. 

1. XXXX XXXX XX/XX/XXXX. FRAUD CREDIT INQUIREY 2. XX/XX/XXXX..XXXX XXXX XXXX FRAUD INQUIREY 3.XXXX XXXX XXXX Fraud Inquiery 4.XXXX XXXX XX/XX/XXXX fraud inquiry 5. XXXX Fraud Inquirey that all on report I had nothing to do with. Take these off or I will go to court and drain you for destroying peoples lives XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-05-26 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BCA Financial Services, Inc.
State: NJ

Complaint narrative:
I disputed this account awhile ago but still have not received anything I asked for them to prove 100 % verified or validation. This collection agency has not proved this account is mine. They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally XXXX Signed HIPAA form This is a form of HIPAA violation. 
If they are saying it is verified then where's my proof? What methods are you using to verify?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: NY

Complaint narrative:
I am writing to your company again as you continue to violate my rights as a consumer by having these fraudulent accounts on my credit report. I do not understand how it is possible you are able to verify these alleged accounts when it is clear that there are so many inaccuracies and incorrect information. Please remove these fraudulent accounts that are listed in the FTC Claim. I have reported this and included yet another FTC Affidavit. I also made a complaint with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: PA

Complaint narrative:
XXXX XXXX has a creed freeze on my account for6 months but still if I use services like XXXX XXXX and XXXX XXXXXXXX they allow them to let HARD INQUIRIES come on credit report to scam money. I ask for FAIR CREDIT REPORTING ACT SECTION 604 and 609. I sent them registered mail with the federal law to have them show anything Oi did to make these hard inquiries. It is your job to tell them to stop fraud for money on my expense. If they did what the fcra 604 sad then I couldn't show you how they all 3 are ringing money on customers exsoese then there customer service is XXXX and they have know idea what American laws do. They are trained to say no and that is all the major credit bureau does. I work hard and these hard inquires are fraud. 

1. XXXX XXXX XX/XX/XXXX. FRAUD CREDIT INQUIREY 2.XX/XX/XXXX..XXXX XXXX XXXX FRAUD INQUIREY 3.XXXX XXXX XXXX Fraud Inquiery 4.XXXX XXXX  XX/XX/XXXX fraud inquiry 5. XXXX Fraud Inquirey that all on report I had nothing to do with. Take these off or I will go to court and drain you for destroying peoples lives XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-05-26 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: NY

Complaint narrative:
They have ignored my previous request and failed to maintain reasonable procedures in there operations to assure maximum possible accuracy in the credit reports they publish.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FBC MORTGAGE, LLC
State: CA

Complaint narrative:
I paid my mortgage twice on accident so when I called they told me they would be able to refund my money back. I talked to them XX/XX/XXXX and today is XX/XX/XXXX. I called the second time and they said they mailed my refund. When I called the third time they told me they dont do refunds and couldnt see the check cut out for me. But upon investigation they saw that the payment I made was already taken out from my account. I have not received my money back. And my mortgage is about to be due again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: NY

Complaint narrative:
They have ignored my previous request and failed to maintain reasonable procedures in there operations to assure maximum possible accuracy in the credit reports they publish.

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