vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-10 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: WI

Complaint narrative:
Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

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 2021-07-10 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: DE

Complaint narrative:
I checked my personal credit report, which I acquired from Equifax. I noticed unauthorized inquires on my credit report, legally these unverified and unauthorized items must be removed according to the FCRA. There was an unauthorized inquiry from XXXX XXXX on XX/XX/2020 and there was an unauthorized inquiry from XXXX XXXX, and on XX/XX/2020. I want these inquiries removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 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: Veros Credit, LLC
State: GA

Complaint narrative:
Veros credit should have been removed from my credit two years ago. This debt is more than seven years old. It is incorrectly reporting on my credit. The last payment was made in XXXX. This debt has been removed from the persons credit I have co signed for. I do not understand why it is still reporting on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 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: WI

Complaint narrative:
Equifax has a different credit report on My file. This is a huge violation. The DOB is listed as XX/XX/1933 and that's not my DOB. Equifax has the wrong person on file and the accounts noted are also not mine and no information given, after 3-4 months. Per 15 USC 1681a, 1692efg these accounts are noncompliant and I want removed immediately. I will also be pursuing further. Copy XXXX, Attorney General and FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I mistakenly purchased an ecosmart water heater from a KNOWN fraudulent company. Once checking out with their " preferred checkout method '' ( PAYPAL SYNCHRONY CREDIT CARD ) the website changed from XXXX to XXXX XXXX XXXX with no other contact information. I became concerned, but, was able to track package delivery. Once my package stated it arrived, I noticed it was an envelope with just a mask in it. I called Paypal Synchrony credit card to dispute the charge and report fraudulent activity on the account since there was no way of getting ahold of the company. They stated they " had no problems getting in touch with the merchant '' and swiftly denied my claim. I tried to bring to them more information, and they denied it again, but this time with a copy of the merchant 's proof of delivery. I told them the merchant delivered a package with a mask in it with XXXX writing on the envelope. The product weight was 0.5 lbs delivered by XXXX. My product was a POOL HEAT PUMP with a wt of 25 lbs! I looked on the PayPal website and noticed that PayPal KNOWS THIS COMPANY IS COMMITTING FRAUD AND DOES NOTHING TO STOP IT, BUT INSTEAD, THEY TAKE THE CRIMINALS SIDE. They told me I could not have access to the company number they had because " it was their personal one for that company ''. The lady I spoke to also said that they are aware of this type of scam where they block any communications with the buyer once checkout is complete. If you look at XXXX https : //www.paypal-community.com/t5/Disputes-and-Limitations/is-163-com-address-a-scam/td-p/2123145/page/1XXXX ) you can view all the victims of this fraudulent company with the email ending XXXX on the Paypal website. They do the same scheme over and over with PayPal being aware. I have receipts from before the transaction and then the finalized transactions along with " their proof '' they sent from XXXX that Paypal sent me. They continue to allow transactions to be approved with the same domains. When the consumer brings up the discrepancy, they are made by synchrony to feel as if they committed the fraud.

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 2021-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bay Area Receivables, Inc
State: DE

Complaint narrative:
TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT BAY AREA RECEIVABLES INC Reported : XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious BAY AREA RECEIVABLES INC Reported : XX/XX/XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company. Stop collection proceedings against me and remove my information from your database. SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
So I recently tried to get them to remove all the accounts I didn't authorized them to report. They told me they had to " verify '' my accounts with " creditors. '' According to 15 usc 1602g " the term creditor refers only to a person who regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which the payment of a finance charge is or may be required. '' Pursuant to 15 usc 1602e " the term person means a natural person. '' A corporation is not natural person. A corporation does not have the power to verify anything it is just a piece of paper. according to 15 usc 1681a ( 3 ) you assumed the role it was not given to you by the govt. I want the senior executive to contact me at XXXX with a copy of a notarized affidavit showing me proof that I granted Transunion the permission to report anything. According to 1681b ( 2 ) you need my permission to furnish anything on my 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 2021-07-10 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:
I am XXXX XXXX. This is not a third party, I am who I say I am. On XX/XX/2021 I recently filed a report with XXXX, XXXX, and Equifax of inaccurate items being reported on my credit reports. 

Once an FTC Report and documents to verify my identity were sent. Equifax, XXXX, and XXXX  did not. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of these debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being report on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipt otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by the Fair Credit Reporting Act and Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I had auto pay set up on my Citi bank card. The set amount of XXXX which was the min payment set to be taken out of my checking account on each month on the due date on the XXXX of every month and for the month when the problem started with was for the month of XX/XX/XXXX. My min set amount due to taken out with my account set on auto pay was {$290.00} then on XXXX another withdraw was taken from my account in the unauthorized amount of {$1100.00} that was never approved. I did reach out to the CC company and they told me it could take up to 2 weeks to refund the money. The money was never refunded so I reached out to my bank to dispute the withdraw. My bank determined that the payment wasn't processed based on the terms under my card agreement and Citi bank returned the amount of {$1100.00} XX/XX/XXXX. My CC account was also current before the due date for the month of XXXX. I have not used this card for any purchases for months. In the process of getting the money returned to my checking account, Citi bank then lowered my credit limit down below the the amount I owed and is now telling me I am late making payments and harassing me to make a payment. I still have cont. to make my payments on time and still have not used my card to make any transaction. I have reached out to Citi bank requesting that they put my credit limit back to where it was so I wouldn't be over my limit now and they have refused. I was current and have cont to make my min payment on the due and now have received a late fee of {$40.00} on XX/XX/XXXX. I made my payment on time for XXXX for the min. due and then again another payment on XX/XX/XXXX for the amount of {$210.00} and then another payment on my due date of XXXX for the amount of XXXX. This has all started from them taking an unauthorized payment from my account and now I am {$640.00} over the limit and they are cont to add late fee 's for an account that I have been current on and can't get a straight answer from anyone in customer service. They denied my credit limit increase.

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 2021-07-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian did NOT provide me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) for collection account XXXX XXXX XXXX. I've tried getting in touch with the collection company as well and didn't get a response back. That very same account was also on my XXXX  which they weren't able to verify and since then has been removed. You guys aren't actually verifying anything it's much easier to just say its verified I would like an reinvestigation and this thing removed off my credit.

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 2021-07-10 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: Robinson, Reagan and Young PLLC
State: GA

Complaint narrative:
An itemized bill does not imply that the debt is valid anyone can send a bill a claim ownership.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 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: Professional Recovery Management
State: GA

Complaint narrative:
An itemized bill does not imply that the debt is valid anyone can send a bill a claim ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I checked my personal credit report, which I acquired from Experian. I noticed unauthorized inquires on my credit report, legally these unverified and unauthorized items must be removed according to the FCRA. There was an unauthorized inquiry from XXXX XXXX XXXX XXXX on XXXX XXXX, there was an unauthorized inquiry from XXXX  XXXX XXXX XXXX on XXXX XXXX, there was an unauthorized inquiry from XXXX XXXX XXXX, and on XX/XX/XXXX, there was an unauthorized inquiry from XXXX  XXXX  XXXX on XX/XX/XXXX, there was an unauthorized inquiry from XXXX XXXX on XX/XX/XXXX, there was an unauthorized inquiry from XXXX  XXXX XXXX XXXX on XX/XX/XXXX, and there was an unauthorized inquiry from XXXX on XX/XX/XXXX. I want these inquiries 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 2021-07-10 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: MD

Complaint narrative:
I have been trying to get XXXX  snd experian to delete an alleged debt placed on my credit report from XXXX  XXXX XXXX for months. I have filed an ftc report and wrote letters. Now the account is reporting open on XXXX  and remains on Experian. This is inaccurate and misleading with is a violation of my consumer rights

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 2021-07-10 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: MD

Complaint narrative:
I have been trying to get equifax snd experian to delete an alleged debt placed on my credit report from XXXX  XXXX XXXX for months. I have filed an ftc report and wrote letters. Now the account is reporting open on Equifax and remains on XXXX. This is inaccurate and misleading with is a violation of my consumer rights

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 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: GA

Complaint narrative:
After seeing my credit report I found items in there that are inaccurately reporting. The Congress grant me the rights to dispute and correct what i know is erroneous from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 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: KS

Complaint narrative:
On XX/XX/2021 I submitted a dispute with supporting documentation ( see attached ) Equifax to update the payment status of XXXX Loan # XXXX from 120 past due to current and paid in full. On XX/XX/2021 Equifax published dispute results verifying that the account was 120 past due ( see attached ). I have submitted this information several times proving Equifax is knowingly reporting false information and asking that it be corrected and the company has continued to refuse to forward my disputes or correct the status of this account. This constitutes a violation of the rights afforded to me under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 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: The Receivable Management Services LLC
State: NY

Complaint narrative:
Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC Collection agency doesnt have release to collect on debt NOR is actual owner of these debts. deceptive and unfair practices

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 2021-07-10 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: R & B Corporation of Virginia
State: NY

Complaint narrative:
Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC Collection agency doesnt have release to collect on debt NOR is actual owner of these debts. deceptive and unfair practices

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I applied for a credit card from Barclays on a Frontier Airline flight in XX/XX/XXXX. The card was approved and when I received the card in the mail, I noticed that my name was incorrect. When I contacted Frontier to inform them, they could not verify my information in the system. They stated that I needed to send in a number of documents to rectify the discrepancy. I immediately mailed in the required documents. 

In XX/XX/XXXX, I recieved the bill for the annual fee of {$79.00}. To my surprise, when I called to make the payment, I was informed that the account was locked and that I would need to submit the same documents that I submitted the prior year. I was frustrated, however I mailed the documents again. I was unable to make the payment because of the lock on the account. 

I wanted to use the card to purchase Frontier airline tickets, so I called just to make sure that the card was activated and was then informed that my card was closed and there were still discrepancies on my file.

I submitted the documents every time Barclay 's requested for me to do so. What happened to them? There were very sensitive documents with my personal information on it. How come these discrepancies were never fixed? I provided them with everything they required. This will now affect my credit reputation, which I try very hard to maintain.

Barclays is negligent. Had Barclays processed the documents when they were sent in XXXX, my account would still be opened. I would like this matter investigated ; I want to know what happened to my documents, why they never followed up, and I want my credit card reopened.

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