vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-13 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: TX

Complaint narrative:
Company is reporting a balance when the account has been charged off. Account is also reported as closed and with a past due balance. account has been re aged. Account has not been verified and the XXXX in Texas expired. I also submitted verification to the creditor and the credit bureaus, and it has been more than 30 days with no response for the 3rd time. Account is violating my credit rights and reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 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: TX

Complaint narrative:
Company is reporting a balance when the account has been charged off. Account is also reported as closed and with a past due balance. account has been re aged. Account has not been verified and the XXXX in Texas expired. I also submitted verification to the creditor and the credit bureaus, and it has been more than 30 days with no response for the 3rd time. Account is violating my credit rights and reporting inaccurate information.

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 2021-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
After reviewing my credit file I noticed a derogatory account from mcm.I sent a debt validation letter to MIdland Credit XX/XX/2021 certified mail. Midland never spoke to me in person before reporting this alleged info. They also never sent a debt validation notice.they never gave me information on how to dispute the debt. They also NEVER included a tear off form for me to send back to dispute the debt or take other actions. They also never sent me any information about my debt collection rights before reporting this alleged information. Pursuant to XXXX5 usc 1611 Midland Credit Management is criminally liable. They are also liable for each FDCPA violation pursuant to 15 usc 1692k.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-13 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: HI

Complaint narrative:
XXXX AND EXPERIAN HAVE STILL NOT PROVIDED ME THEIR PROOF OF THEIR INDEPENDENT INVESTIGATIONS INTO THE FOLLOWING INACCURATE ACCOUNTS THAT I HAVE DISPUTED MULTIPLE TIMES : XXXX XXXX XXXX  # XXXX - XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX AND EXPERIAN CONTINUE TO ONLY XXXX  INFORMATION FROM CREDITORS AND THE ONLY THING XXXX AND EXPERIAN DID is submit the dispute through a computerized system known as XXXX  THAT IS A CLEAR VIOLATION to section 611 ( a ) of the Fair Credit Reporting Act ( " FCRA '' ), 15 U.S.C. 1681i ( a ) ( 1982 ), to conduct a reasonable reinvestigation of information on a consumer 's credit report- as was proven in ( XXXX vs. XXXX XXXX & ( XXXX XXXX XXXX, XXXX XXXX et al ) XXXX AND EXPERIAN should have conducted an independent and reasonable investigation to ensure the validity of the debt and the integrity of the creditor in question, THEY DID NOT!!!

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 2021-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
To Whom It May Concern : Portfolio Recovery is practicing unlawful practices by reporting to my credit report with debt that is not valid and they have not sent me a verification letter of the debt. I am requesting them to remove this collection off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
I have mailed and emailed a copy of my police report regarding identification thief to XXXX credit reporting agencies on XX/XX/XXXX. I have requested that false inquiries be removed and asked that my account be locked. As of date XX/XX/XXXX false inquiries were not removed, accounts that were paid in full are still reporting as late/negative, and false delinquent accounts are still being reported on my credit reports. I have sent proof of fraud and nothing has been rectified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-13 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:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report and to this day ( over 60 days later ), I have not received a response as of yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you've 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 2021-12-13 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: GA

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

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 2021-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: HI

Complaint narrative:
ON MY XXXX CREDIT REPORT PORTFOLIO RECOVERY ASSOCIATES ( account # XXXX ) IS REPORTING A " PAST DUE AMOUNT '' THAT IS A CLEAR FCRA VIOLATION ALSO UNDER " PAYMENT STATUS '' THE NOTES ARE STATING " SERIOUSLY PAST DUE '' ANOTHER CLEAR FCRA VIOLATION ALSO UNDER " BALANCE UPDATED '' PORTFOLIO IS REPORTING A RECENT DATE OF XX/XX/2021 A CLEAR RE-AGING VIOLATION

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 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: Colony Brands, Inc.
State: FL

Complaint narrative:
I have had an account with Swiss Colony LLC, ( retail sales, magazine and online ) for over 5 years and I order from them every year without a problem. This year there was a problem. I placed my order under my account and had it shipped to my wife. About a week later I noticed a credit inquiry on my wife 's XXXX report from Swiss Colony. Why?, I have the account and my wife has never applied to them. I called Swiss Colony to find out why there was in an inquiry on my wife 's report. I told them what the problem was and asked how and why would they inquire on my wife 's report and who authorized it. After about 20 minutes of them putting me on hold several times, this is the story they came back with. The order I had placed a few days before was put in my wife 's name to be billed, which is not true, it was actually put in my wife 's name to be " shipped. '' They told me at that point that had to create an account in my wife 's name and pull her credit. The only problem with that is that my wife never applied to open an account, never filled out any application, never provided her social security number and certainly never gave any form of authorization to pull her credit and create an account in her name. Swiss Colony sought out my wife 's personal information and from that obtained her social security number and proceeded to pull her credit without ANY authorization! HIGHLY ILLEGAL! When I told them what they had done was illegal and that my wife 's credit was hurt because of it, they responded with, we are sorry, but there is nothing we will do about it. I am reporting this because I am sure I am not the only person they are doing this to. I'm sure you if you look into it, they have created thousands of fake accounts under peoples names who don't even know about it. I'm telling you, this is just the tip of the iceberg!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Blockchain.com, Inc.
State: FL

Complaint narrative:
bitcoin taken from acct without my permission. I even had two factor authorization at blockchain.com

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX Commenity Bank XXXX XXXX XXXX XXXX Oh XXXX Last 4 of account XXXX Phone no. XXXX XXXX XXXX XXXX XXXX I phoned them concerning a XXXX charge for a yearly membership, that I opted out of when they sent an email a few months ago My balance was at 0.00 for a very long time. 
I recently relocated to Florida part time and just had mail brought by my husband. 
In it was a bill for XXXX now they want 40.00 late fees in addition and reported it it credit bureau. 
I just phoned them. Explained multiple times being transfered, with the last transfer telling me to call back during business hours time was XXXX I got nowhere. In addition Im have a similar issue with XXXX which previously was Commenity Bank as well, now sold to another bank and they too have reported late payments and gave some line about my payments being made online need to go thru new bank etc. I have XXXX info on them an d account with them, you get absolutely nowhere talking to them

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
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 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 2021-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Bureaus have not responded to any letters since 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 2021-12-13 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: FL

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

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 2021-12-13 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:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report and to this day ( over 60 days later ), I have not received a response as of yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you've caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2021-12-13 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I had 2 student loans which are been paid off by a settlement by NAVIENT SOLUTIONS , LLC The U.S. Department of Treasury, Bureau of the Fiscal Service ( Fiscal Service ), applied my Internal Revenue check for the amount of {$5000.00} on XX/XX/XXXX To cover my debt to the following agency : The U.S.DEPARTMENT OF EDUCATION EDUCATIONAL CREDIT MANAGEMENT CORP. 
XXXX XXXX XXXX XXXX MN XXXX Then Navient kept calling me claiming that they had one of my student loans and my taxes were applied to only one of my student loans and that I need to pay them for my second loan. 
They send me a letter offering me to settle my account for {$430.00} and I made two payments to cover this amount one was on XX/XX/XXXX for {$250.00} dollars and the second one was made on XX/XX/XXXX for {$180.00} to complete the {$430.00} But now another company called XXXX is claiming that they have my student loan I call and told them my student loans were already paid off, and they told me to fax them my documents the proof of what I said to them by phone, and I did now they send me another letter to let me know that my student loan was transferred to another company and that I need to wait for them to contact me. Because they can't help me any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
After reviewing my credit file I noticed a derogatory account from XXXX sent a debt validation letter to XXXX XXXX XX/XX/2021 certified mail. XXXX never spoke to me in person before reporting this alleged info. They also never sent a debt validation notice.they never gave me information on how to dispute the debt. They also NEVER included a tear off form for me to send back to dispute the debt or take other actions. They also never sent me any information about my debt collection rights before reporting this alleged information. Pursuant to 15 usc 1611 XXXX XXXX XXXX is criminally liable. They are also liable for each FDCPA violation pursuant to 15 usc 1692k.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
After reviewing my credit file I noticed a derogatory account from credit collection services. Credit collection services never spoke to me in person before reporting this alleged info. They also never sent a debt validation notice.they never gave me information on how to dispute the debt. They also NEVER included a tear off form for me to send back to dispute the debt or take other actions. They also never sent me any information about my debt collection rights before reporting this alleged information. Pursuant to 15 usc 1611 Credit collection services is criminally liable. They are also liable for each FDCPA violation pursuant to 15 usc 1692k.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have disputed this account through Experian several times and also filed a police report, along with submitted a documented packet to XXXX XXXX explaining this debt is not my debt and I do not owe this company they continue to put false items on my credit report causing me pain and suffering while in the process to purchase a home for my 2 children and I. I am a single parent and the suffering they are causing me while trying to raise my children is horrible. I shouldn't have to continue to fill out paper work that I continue to explain to 10 different people. I have spoke to Experian, I have spoke to XXXX XXXX, the police filed a fraud complaint on the matter and now I have to continue to dispute through them. When they sent the verification paperwork I explained and wrote back to this company and another comapny that this debt is not MINE I DO NOT HAVE XXXX! MY SOCIAL, and credit file has to be locked due to people using it for fraud. I SHOULD NOT HAVE TO KEEP DISPUTING THIS SAME INFOMRATION NUMEROUS AMOUNTS OF TIMES! it is frustrating and I am thinking about getting an attorney to sue all 3 companies due to the pain I am being caused and time i am wasting.

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 2021-12-13 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/2021 CitiBank, NA closed my credit card account that had a limit of XXXX Citibank said they closed my card because I was deemed a " high risk '' due to the fact I had open new credit card accounts. This is a complete violation of USC 1681 & USC 1681Q. 

Citi Bank took illegal adverse action against me for open new accounts while I was in positive status with them. 

Citibank accessed my credit file without my permission to discriminate against me while I was paying them on time every month which is violation. 

I've made all payments on time. There is no legal legitimate reason why Citibank closed my account. And now I am making payments on a closed account! 

Damaged to my credit has occurred as this was my longest aged account for over 3 years & my highest Limit of {$11000.00}

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 explanation
Consumer complaint received 2021-12-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX I have a unverified unknown account from MEDICAL DATA SYSTEMS INC XXXX XXXX ( FRAUD ) Collection Third-Party CollectionAgency unable to validate debt. HIPPA LAW VIOLATION # XXXX, I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to release my medical information to a third party MEDICAL DATA SYSTEMS INC. I am aware that HIPPA does allow for limited information about me but anything more than to only is revealed with the patients ' authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPPAauthorization. 1. Please provide a breakdown of fees including any collection costs and medical charges 2. Provide a copy of my signature with the provider of service to release my medical information to you.

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 2021-12-13 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: Navient Solutions, LLC.
State: IN

Complaint narrative:
I have not received any information regarding the investigation and it has been well over 30 days. These items need to be removed from my credit report

Company response to consumer: Closed with explanation