vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Accounts, LLC
State: MI

Complaint narrative:
I received communication by phone and mail in XX/XX/XXXX about a report unpaid medical charge from XXXX. When I spoke with the collection agent I disputed the charge as I knew that my insurance paid this clinic. The collection agency said they would get itemized info from the clinic. Then in XXXX they reported to XXXX  that I was delinquent. I contacted the collection agency and paid the disputed amount and told them I would proceed to take action against the clinic and they agreed to have the info expunged from my credit report as they never followed through with getting any data from the clinic and I had proof my insurance paid any known charges. I then filed a dispute with XXXX  and submitted the letter from the collection agency and the insurance report. The collection agency has twice still verified the debt and not removed this from my record. I have spoken to a supervisor at the agency who verified that they would report to XXXX  the deletion if the request came and today they still reported no change to XXXX  and my credit score remains significantly reduced due to this inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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: IN

Complaint narrative:
I have made several attempt to address this account with the credit bureaus and creditor but they fail to fully investigate the account in question. The account is reporting inaccurate, incomplete and erroneous information. After reviewing my credit reports and comparing them I have found multiple inaccuracies, incompleteness and erroneous information being reported. The credit bureaus and creditor have received multiple disputes from me about the account but have failed to update or delete this erroneous information from my credit reports.

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 2021-05-07 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: IN

Complaint narrative:
I have made several attempt to address this account with the credit bureaus and creditor but they fail to fully investigate the account in question. The account is reporting inaccurate, incomplete and erroneous information. After reviewing my credit reports and comparing them I have found multiple inaccuracies, incompleteness and erroneous information being reported. The credit bureaus and creditor have received multiple disputes from me about the account but have failed to update or delete this erroneous information from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello I have 5 accounts with affirm all showing balances of, ( {$380.00}, {$340.00}, {$270.00}, {$990.00}, {$250.00} ) and 1 account that shows a late payment which are all incorrect and I have paid these on time. I asked for debt validation and have not received any documentation to validate the debt. I have sent 3 total letters through certified mail first on XX/XX/XXXX XXXX Tracking # XXXX XXXX XXXX XXXX XXXX XXXX. Second letter XXXX USPS Tracking {$9400.00} XXXX XXXX XXXX XXXX XXXX. Third letter XX/XX/XXXX USPS Tracking # XXXX XXXX XXXX XXXX XXXX XXXX Have had no success getting any debt validation or any sort of documents related to the 5 debt accounts and the 1 account with a late payment. Also I exchanged email correspondence with affirm ( XXXX XXXX XXXX XXXX XXXX ) on XX/XX/XXXX and asked I provide them with the Affirm ID 's so I could get the validation. After I provided the numbers I received no response and now I am left to pursue the CFPB as well as legal counsel to help remove these inaccurate items on my report. 

Experian is not helping by allowing Affirm to continue this and I will seek monetary damages for this if it is not removed.

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 2021-05-07 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: IL

Complaint narrative:
Pursuant to 15 usc 1681b ( a ) Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 15 usc 1681b ( a ) ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. The court does not disclose information with the bureaus. Pursuant to 15 usc 1681b ( a ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates.. I never gave anyone the right to put this account on my credit report. According to 15 usc 1681 consumer reports can NOT include any factual information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I received an XXXX loan on XXXX XXXX in the amount of {$7200.00} on XXXX XXXX I went to chase bank and attempt to withdraw cash from my personal account being that I have 2 accounts with chase and while attempting the teller was loud and biligerent about people receiving XXXX loans she then denied me access to my account and froze them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am unable to manage my freeze online at Equifax. Every single time I have to call in and spend half an hour being sold one of their useless products before I can get my credit report unfrozen. I would much rather have no business relationship with a company as incompetent as Equifax, but it appears I have no say in the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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: IL

Complaint narrative:
XXXX Account Number : XXXX PLEASE DELETE FROM MY CREDIT REPORT IMMEDIATELY I disputed the referenced account above on XX/XX/2021. The credit report of XX/XX/2021 and your report # shows results that these items were deleted from the credit file. Now I notice these items have been reinserted on my credit report. 

In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material.

Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinsert in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate.

If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date.

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.

I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
My Paypal account is limited. I have get a chance to transfer the money from my Paypal yet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
I have sent several letters to not only the credit reporting agencies as well as companies directly to advise them that several accounts on my credit report that were a result of identity theft. I have sent police reports as well as the FTC fraud affidavit and they continue to not only report these items, but they have recently charged-off causing even greater harm to my credit score and any lending opportunities in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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: TX

Complaint narrative:
on XX/XX/2021 I sent a letter to challenge the accuracy, compliance and reportability of the listing in my credit report they have failed to provide me any original documentations associated with this accounts, bearing my signature. In the absence of any such documentation bearing my signature they have taken advantage of me it has been stressful for me to get finance and have violated my rights under Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ) the accounts that i disputed have not been deleted under my credit report it has been over 60 days Equifax and XXXX have not provided any original documentation with my signature with the unknow debts that are reporting in my credit report i demand these accounts to be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase denied my claim for 3 credits owed to my account. Chase claims I was too late and that we are outside of the Visa USA timelines. However, per the research of my attorney, the Chase representative mistakenly applied the wrong timeline which does not apply in my situation in which we qualify for longer timeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I have sent several letters to not only the credit reporting agencies as well as companies directly to advise them that several accounts on my credit report that were a result of identity theft. I have sent police reports as well as the FTC fraud affidavit and they continue to not only report these items, but they have recently charged-off causing even greater harm to my credit score and any lending opportunities in the future.

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 2021-05-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
This account was used without my authorization. I contacted the financial institution in XX/XX/XXXX, when I received my XX/XX/XXXX statement and realized there were charges that I did not do or authorize. Immediately I requested the account closed and the company said they would open a investigation. I received a letter on XX/XX/XXXX stating that because of my fraud claim there will be no minimum payment due and they were investigating. 

The account had one charge made on it in XX/XX/XXXX and was paid in full as of XX/XX/XXXX. There has been no activity on the account from that point forward until these charges were made in XX/XX/XXXX when I received the statement I referred to above. There was 23 action items on the statement I received, some appear to be credits as well as several charges totaling over {$10000.00}. Along with all of them being within 100 mile radius of the XXXX XXXX area. 

It appears from my credit report that around XX/XX/XXXX there were credits made to the account taking the balance from almost {$10000.00} down to around {$5000.00}. After that the financial institution told me that because there were payments made that I was responsible for the account. I have not made a payment on this account since I paid the account off back in XX/XX/XXXX nor did I make any purchases on the account. I feel like I am being discriminated against based on my status as a regular citizen, along with being taken advantage of teaching not being taken seriously by this financial institution. My interaction with the company did not seem genuine and was not taking seriously. 

XX/XX/XXXX I received a letter from the company stating to allow 30 days for the consumer reporting agencies to update their files and they would be in contact with me in the future. 

In XXXX I received another statement showing that they were credits made to the fraudulent charges on the account however it has a new account number and now there is a balance of {$5000.00} as I referred to above. All of this needs to be taken care of right away as this is it right and again its criminal.

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 monetary relief
Consumer complaint received 2021-05-07 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am XXXX XXXX. i'VE ATTACHED my social security card for verification purpose ( SSN : XXXX ) .I really need your help. my identity was stolen. now accounts are being started using my personal information.I filed a FTC REPORT ALREADY ( report # XXXX ). Please remove all fraudulent accounts as I have no know of any of these accounts due to the Equifax data breach/ identity theft. All is being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked immediately until the investigation is over. I did not consent to, authorize nor benefit from any of the following inquiries or accounts. Block and remove them. I identify all the inquiries and accounts listed below as to be a result of identity theft, therefore they should be removed from my account no later that 4 days of receiving this complaint.15 U.S. Code 1681c2 defines as a Block of information resulting from identity theft Also I have not supplied proof under doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW715, 719, I presume that no proof of The alleged debt, Nor therefore any such debt, in fact exist. This agency is in violation of 15 USC 1692g Because 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
I have recently applied for a refinance loan, and the new company that is financing the refinance mortgage failed to provide a notice for the first payment that was due. 
The first loan payment was due on XX/XX/2021. And on XX/XX/2021, I realized that I have not received any notification from the loan company, so I took the necessary steps to register a new, online account with this company to submit the payment online. Consequently, I was able to avoid missed or late payment. 
When I tried to contact the company to get more information on why they have not provide any kind of notification on that the payment would have been due, they failed to provide any explanation for this.

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 2021-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
As a consumer, I have sent numerous certified mail disputes as well as completed several strong factual disputes of errors reporting incorrectly on my credit report and requested deletion of these accounts due to these inaccuracies. Accounts remained on my credit file. I sent in 2 method of verification letters for an explanation on how these accounts were verified as accurate and whom they verified the information with. They had 15 days to respond with that information but due to the pandemic I allowed extra time. I recieved dispute results today with the same errors and FCRA violations being reported previously. Clearly there is no human investigation going on and that this process is automated. As a consumer, my credit file is supposed to be 100 % complete and accurate. I would like to demand that the following accounts being reported incorrectly be DELETED from my credit file IMMEDIATELY. 

1. Dept. Of Veteran Affairs ( 3 accounts ) because method of verification was never recieved, notice of dispute never entered for the account with a high balance of {$2700.00}. That same account is reporting as 120 days late which is inaccurate due to payment being made on XX/XX/2021. These accounts are not reporting the same date of last payment or account rating info across all 3 credit reporting agencies, and accounts show late payments reported when the accounts were a collection, there was no contract or agreement ever signed for these debt amounts. Request creditor provide the contract with the monthly terms and payment due dates to prove I was late. Please delete these accounts immediately from credit file due to these blatant inaccuracies.

3. Dept. Of Ed/XXXX ( 2 accounts ) because requested method of verification was never recieved, account is missing notice of dispute status, Both accounts are reporting 90 day late payments with no prior 30 or 60 day late payments immediately prior. This is a FCRA violation. Proof of missed payments never supplied by Equifax. Please delete all these inaccurate late payments immediately! Per FCRA E OSCAR verification is not sufficient.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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: MD

Complaint narrative:
I XXXX XXXX am a victim of identity theft and the following are fraudulent : ACCOUNTS : XXXX XXXX XXXX Reported : XX/XX/2021 {$8800.00} XXXX XXXX XXXXXXXX XXXX Reported : XX/XX/2021 {$780.00} HARD INQUIRIES : XXXX XXXXXXXX Inquiry : XX/XX/2021 Automotive COLLECTIONS : XXXX XXXX XXXX Reported : XX/XX/2021 {$240.00}

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 2021-05-07 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: MD

Complaint narrative:
I XXXX XXXX am a victim of identity theft and the following are fraudulent : ACCOUNTS : XXXX XXXX XXXX Reported : XXXX XXXX, 2021 {$8800.00} XXXX XXXX XXXXXXXX XXXX Reported : XXXX XXXXXXXX, 2021 {$780.00} HARD INQUIRIES : XXXX XXXXXXXX Inquiry : XXXX. XXXX, 2021 Automotive COLLECTIONS : XXXX XXXX XXXX Reported : XXXX XXXXXXXX, 2021 {$240.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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: Self Financial Inc.
State: IL

Complaint narrative:
I emailed self inc about paying my credit card to XXXX balance last month. I reach out to the company three times why they have not reported anything to credit report. They never gave me direct answer. And I showed them proof and they still have not reported nothing since XXXX of 2021. It is now XXXX of 2021.

Company response to consumer: Closed with explanation