vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-02 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXXXXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This account was disputed, unverified and REMOVED repeatedly yet it keeps coming back on my report. This is illegal and I want this removed. 

XXXX XXXX {$800.00} Removed XX/XX/XXXX. XXXX Removed XX/XX/XXXX XXXX Removed XX/XX/XXXX. XXXX Removed XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ROCKFORD MERCANTILE AGENCY, INC.
State: MN

Complaint narrative:
Incorrect personal information and billing. 
Incorrect phone number. 
Incorrect address. 
Incorrect ethnicity. 
Incorrect age. 
Incorrect name. 

For bill amount of {$2000.00} XXXX XXXX started XX/XX/XXXX This is now effecting my credit score. 
I have given multiple attempts to dispute charge and call/email company to resolve this matter. 

Last attempt to call company was earlier this evening @ XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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: DISCOVER BANK
State: CA

Complaint narrative:
On XX/XX/2020 I made a purchase for a 'open box ' XXXX XXXX XXXX Watch for {$140.00} through XXXX. According the XXXX 's policy and description definitions an 'open box ' item is described as : " An item in excellent, new condition with no wear. The item may be missing the original packaging or protective wrapping, or may be in the original packaging but not sealed. The item includes original accessories. The item may be a factory second. See the seller 's listing for full details and description. '' However, when I received the watch, it was clearly used and covered in scratches all over the body, and did not even come with original accessories. I immediately requested a refund through XXXX, but accidentally closed the dispute. So I reached out to XXXX customer support and the seller. XXXX simply told me that because I had closed the return request there was nothing that they could do. The seller openly admitted that the product was not as described and mistakenly listed it as 'open box ' when it should have been listed as 'used ' and offered to fully refund me if I return the item. I asked for further instructions on how I would return the item, but the seller had stopped responding to my messages. Next, I contacted XXXX, but because of COVID-19 their offices were closed and could not escalate my issue and recommended that I dispute with my credit card. I then opened a dispute with Discover credit card and after 2 months they tell me that because the merchant is willing to accept a return they can not continue with a dispute and that the transaction is valid. I argue that I am willing to return, but the seller is not providing me with any means to return. I asked that the dispute be reopened, so that they can request proof from the seller if he has tried to initiate a return with me, but they refused. DiscoveXXXX is allowing scammers to prey on unsuspecting victims with falsely advertised products through their loose policies and loopholes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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: LA

Complaint narrative:
Equifax Mortgage Services ran three hard Inquiries on credit report. Dates are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of 2020. I never authorized This company to run 3 Hard Inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
XX/XX/XXXX Disputed the transactions and was closed within 10min of opening the disputes Dispute Case ID : XXXX Transaction Amount : {$2000.00} USD Dispute Case ID : XXXX Transaction Amount : {$1700.00} USD Dispute Amount : {$1700.00} USD Transaction ID : XXXX Transaction Date : XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This account was disputed, unverified and REMOVED repeatedly yet it keeps coming back on my reports. This is illegal and I want this removed. XXXX XXXX {$800.00} Removed XX/XX/XXXX. XXXX Removed XX/XX/XXXX XXXX Removed XX/XX/XXXX. XXXX  Removed XX/XX/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 2020-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: IL

Complaint narrative:
Since XXXX of last year Ive been trying to get duplicate debts removed from my account. Ive had to wait but recently I paid of one debt and it still appears on my report and thats through IC System. I have also initiated a payment plan through XXXX XXXX. I noticed that since my debt was sold it is being reported twice and this in turn has shown discrepancies on my credit report. I am asking that this debt collectors reporting validate that they are collecting on the debt and if the debt has been sold for them to remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: LA

Complaint narrative:
I got a derogatory mark on all my three credit report. I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of the identity theft. This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605 ( b ) of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report The account was removed and now has being reinserted back onto my credit report reappearing. ENHANCED RECOVERY COMPAN

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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: GA

Complaint narrative:
The account XXXX  for {$900.00} was disputed and deleted from my XXXX  account on XX/XX/2020. This account should be removed from my other reports as well as it is inaccurate.

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 2020-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
In my XXXX  report, Capital One make a hard inquiry on XX/XX/XXXX, this one is not authorized for me. Can you delete that hard inquiry please .Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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 went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, DEPTEDXXXX, XXXX, XXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX 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 2020-07-02 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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, Original Creditor, XXXX  XXXX  XXXX, XXXX, XXXX   XXXX, XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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: PA

Complaint narrative:
i sent out multiple dispute letters and have not heard from credit bureaus

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 2020-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Stern Recovery Services, Inc.
State: GA

Complaint narrative:
In XXXX XXXX  leaked the data of 143 million Americans, I was also one of those 143 million. My personal information was used to open several accounts in my name, as a result I have become a victim of identity theft, my overall credit score as well as mental health has suffered greatly.

The following accounts should be removed from my credit file. Stern Recovery is currently reporting three accounts to my credit file that should not be there.

Stern Recovery Service {$110.00} Stern Recovery Service {$1000.00} Stern Recovery Service {$360.00} I have disputed this account twice ; this company has not verified this account as belonging to me. The Fair Credit Reporting act requires you to remove this account from my credit file as soon as possible. Under the " Fair Debt Collection Protection Act '', by law, your company should have sent me the following information.

1. An explanation of what this alleged account balance is for.

2.A calculation of the balance, including the complete payment history.

3.Documentation that shows I have agreed to pay this debt.

4.The agreement that grants you authority to collect on this alleged debt.

5.A copy of your state license, including lic
ense number.

Your company has failed to provide me with this information, my lawyer has advised me that we will move forward in court in exactly 4 business days if this information is not removed today. 
In the event that you do not remove this account from my credit file, I will move forward with the necessary steps to sue you for actual damages and declaratory relief. According to the FCRA regulations, I may sue you in qualified state or federal court, including small claims court in my area.

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 2020-07-02 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Immediate Credit Recovery
State: FL

Complaint narrative:
After several disputes finally received letter from XXXX XXXX without definition clear and lawful definition of payment in dissatisfaction. 

Disputed liability of alleged obligations as 15 U.S. Code 1692a3 natural consumer and 15 U.S. Code 1692a ( 4 ) original creditor having extended my 12 CFR 1002.2 ( j ) credit via 15 USC 1602 ( l ) social security 12 CFR 1002.2 ( a ) account number compelled against 42 U.S.C. 408a8 and Public law 93-579. ssn belongs to the SSA and anything obtained with the identifier number is a obligation of the United States 18 U.S.C. 8, UCC 9-307 ( h ). Anyone attempting to collect a debt from me obstructing commerce and in violation of The False Claims Act ( FCA ), 31 U.S.C. 3729 - 3733. 

XXXX XXXX, Department of Education, XXXX XXXX has 18 U.S.C. 241 ; 242 conspired to deprived me my right to credit and denied me satisfaction and accord of obligations per 18 U.S.C. 8 obligation of the United States, for satisfaction and accord and per 15 U.S.C. 1 illegal restraint of trade debt collectors refused to restore credit to good standing and has impaired my right to open-end credit. 

Art. 1 Sec. 10, No State shall enter into any Treaty, Alliance, or Confederation shall make any Thing but gold and silver Coin a Tender in Payment of Debts ...

All parties have said they will accept anything except lawful money, gold and silver for payment of debts, and all have neglected via 15 U.S. Code 1692e. false or misleading representations their fiduciary duty in the acts of Misfeasance, nonfeasance and malfeasance to settle the obligations for full acquittance and discharge without liability per 50 USC 4305b2 and has restraint my right of trade and is in breach of trust per 15 U.S.C. 1 whereby alleged obligations are rendered an obligation of the United States as per the supremacy clause- any Thing in the Constitution or Laws of any state to the Contrary notwithstanding.

I have disputed obligations several times with credit reporting bureaus, Experian, Equifax and Transunion who has conspired also to invalidate title 18 U.S.C. 8 obligation of the United States and hold my person liable for the obligations.

My credit has been discriminated and I have been impaired from getting a home. This injury has been nerve wrecking and emotionally distressing without remedy.

As original creditor/grantor/lessor of personal data, I reserve all rights to proceeds, titles, interest where my personal data valued at XXXX XXXX  per entity, per year for misuse and negligence to settle obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Contacted Capital One previously and again on XX/XX/2020. I was instructed by XXXX  to ask Capital One to submit a request to XXXX  to have 2 separate credit card accounts for which I am an authorized user, added back to my credit report. The supervisor at Capital One stated that he did not work for XXXX  and that they don't send requests. He also stated that XXXX needed to add the accounts back to my credit report themselves.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-03 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: GA

Complaint narrative:
The account XXXX  for {$900.00} was disputed and deleted from my XXXX  account on XX/XX/2020. This account should be removed from my other reports as well as it is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Since the shelter in place, I effectively cash checks at Chase Bank, N.A. which are written by my mother, a senior, consumer, and natural person. My mother instructs and authorizes me to use her card and account to handle her business during this time. In XXXX, XXXX, XXXX, and XXXX, I have cashed her check and paid her bills. Today, XX/XX/2020, employees at Chase bank have told me that there has been check fraud during those months. These are checks that were handled at the teller window every time. I feel violated that they made this claim against me, a consumer and natural person, especially when that were given all the information necessary, required, and asked of me every time. The Chase Bank is located in XXXX XXXX, California and is on the corner of XXXX XXXX and XXXX XXXX. The zip code is XXXX. The checks have been made out to " Cash ''. Today, the teller, after claiming that I have been committing check fraud, required that I travel back to my mother so she can write my name on the pay to the order of line. I obliged them only to find upon my return that they require an {$8.00} fee. These claims and requirements are inconsistent and are in violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Aqua Finance, Inc.
State: GA

Complaint narrative:
XXXX XXXX came to my house to do an interview about adding a alarm system in the house. They told me that they will setup up the security system and all I need a copy of my check and they will be able to setup up my services. They install the system the same day and told me that if I was unsatisfied that I had 72 hours to discontinue services. The service triggered false alarms 59 times. I was left to pay my county twice XXXX $ for a service that didn't meet expectations. After discontinuing services, I called my bank to dispute the issue and stop payment. In addition to that, there was a credit line open up in my name without my knowledge. They are still charging me for payments through XXXX. I also am receiving statements from Aqua Finance, ( their partner. ) They told me that they use this credit line to pay for the XXXX system. This was used to pay for the security system without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This account was disputed and removed from my reports on XX/XX/2020. It has now come back on my report. This is illegal and I would like it to be removed. 

Account : 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 2020-07-03 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
i sent out multiple dispute letters and have not heard from credit bureaus

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