vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hey, hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information OR the authority to obtain my personal information on their own they are in violation of FCRA 15 U.S.C Section 1681. How did they get this information? I have tried contacting the credit bureaus and no one was able to help me I was just being passed around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my Report I filed for identity theft because these accounts were not mine. Have them remove these thank 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 2021-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SS # ENDING IN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I Have sent dispute letters letting Equifax Know these are not my inquires on my account on XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: GA

Complaint narrative:
This debt is illegally being reported to my XXXX and XXXX Credit File. I do NOT have any contracts between myself and _____ ( debt collector ) They have failed to provide documentation that the debt is legal. 

The company in which my original account was created SOLD the debt to this collector therefore, having sold the debt and leased the premises out after moving they are not legally allowed to collect on a unit that is now occupied. 

This debt is not valid, as I was allowed to terminate our lease due to distress created for my family by administration of this facility. 


What I want? 

I want this debt listed by _____ immediately removed from all of my credit profiles. 

They will ask have you tried to resolve this issue with the company. 

I have tried to resolve this and they are unable to verify that I have a debt / document with their company. 

That should be it. Make sure you put your social and email so they can respond and notify you of updates.

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 2021-06-15 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: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
this debt was part of identity theft, I do not owe the debt, have tried to resolve it several times with written documentation.

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 2021-06-15 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RentDebt Automated Collections, LLC
State: TN

Complaint narrative:
2. The next complaint is XXXX XXXX College is reporting the same debt twice on my credit report from XXXX XXXX XXXX and Rentdebt Automated Collections. Both have the same amount owed and paid. XXXX XXXX XXXX is showing XX/XX/XXXX and Rentdebt is showing paid XX/XX/XXXX. I don't understand how they are able to put the same debt on my credit report twice and have different dates of service with the same account number. I called both parties and no one seem to know why it's being reported twice but XXXX  or the collection agencies will fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: Bread Financial Holdings, Inc.
State: UT

Complaint narrative:
Comenity Bank XXXX is reporting a late on XX/XX/20. Due to the unanticipated events in my life surrounding XXXX, I was affected financially. During this time, I was paying my absolute necessities and was really struggling. I was surprised to see Comenity Bank report any late notations at this time because the bureaus did ask creditors to take leniency on credit reporting during an unprecedented pandemic. I have been current since and was never late before. I ask that Comenity Bank please make a one time goodwill adjustment and remove the late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Netspend Corporation
State: MN

Complaint narrative:
XXXX XXXX, ( Netspend ) a subsidiary of XXXX withholding around XXXX USD. I called to close the account and the next day they created a fraud block and told me I needed to send in documents like SS card, ID, and proof of address. None of my proof of address documents would be accepted and they wanted documents from my old address on file. They would not accept documents for my new address which I had changed to prior to closing the account with the representative. I do not receive mail at that address anymore obviously and can not receive mail there. They do not care. They told me it's the only way to access my money. 

This company is negligent and outright unconcerned with customers wanting to access their money. They fail to do simple tasks such as fulfill a change of address prior to account closure, they fail to provide reasonable customer support in response to their failures, they start a fraud block on an account due to a closure request, so I can't even access my money now.

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 2021-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivable Solutions, Inc.
State: PA

Complaint narrative:
I am trying to verify the validity of an alleged debt. Every time I contact the debt collection agency they state they need more information to look into it. However, when XXXX  or the CFPB contacts them they're able to verify the debt with no issues. 

I want the debt collection agency to either send me validation of the debt or remove it from my credit report. I never received any notice that this item was being reported on my credit report. 

I sent a letter to Receivable Solutions LLC on XX/XX/2021 disputing a debt. I provided them with the amount, the original creditor, and a partial account number that I retrieved from my XXXX  credit report. Receivable Solutions LLC received the letter XX/XX/2021. They responded via a letter dated XX/XX/2021 requesting the " guarantor 's SSN or date of birth, guarantor 's address and telephone number, name of health care provider. '' I can not provide this information since I do not know what this is for. Additionally, I'm not obligated to provide this information. 

I disputed the debt with XXXX  on XX/XX/2021 and provided them with a copy of Receivable Solutions LLC 's letter stating they could not " identify the correct account. '' This dispute was not changed on XX/XX/2021 because Receivable Solutions " certified to Experian that the information is accurate. '' XX/XX/2021 I filed an initial complaint with CFPB ( XXXX ). Receivable Solutions LLC stated they were able to locate the account, but the account was " not credit reported by [ their ] company. '' And " the matter is considered closed in [ their ] office. '' However, this is not true. The matter was and currently is reported to XXXX. I submitted a comment to this effect. CFPB did nothing with this information. 

So I submitted another dispute to XXXX  on XX/XX/2021 with a copy of the CFPB complaint where Receivable Solutions LLC states that this matter is " not credit reported '' and requested it be removed from my credit report. On XX/XX/2021 XXXX  closed the dispute without removing the account because Receivable Solutions LLC " certified to XXXX  that the information is accurate '' despite the fact that they told the CFPB the item is " not credit reported. '' Receivable Solutions LLC is required to validate the debt upon notice of my dispute. They did not due so. They stated they couldn't locate the account. However, Receivable Solutions LLC certified the debt as accurate to XXXX  twice so far. They then lied to the CFPB and stated the debt was not " credit reported '' even though it was. Receivable Solutions LLC is very clearly a bad actor in the debt collection industry that will continue to violate Federal law until they are held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: KEYCORP
State: WV

Complaint narrative:
I had funds from workforce wv sent to key bank a debit card was issued via key bank but do to my physical address being listed as my email address the card was never mailed and do to covid issues communication with wv workforce was limited so on XX/XX/XXXX a new card was sent to me and received and activated on XX/XX/XXXX an then I noticed that there was a negative balance XXXX and not the XXXX that is suppose to be so I contacted key bank an I was informed by XXXX of key bank on XX/XX/XXXX and my funds where sent to wv unclaimed funds so I contacted unclaimed funds wv spoke with XXXX an was told there are no funds in my name or the date of XX/XX/XXXX which is when key bank sent them.and no records for anything pertaining to my name, XX/XX/XXXX, and/or the amount of XXXX an was informed contact key bank again which I did on XX/XX/XXXX and got the same response again. So contacted unclaimed funds of wv an spoke to XXXX on XX/XX/XXXX with same response again and was suggested I call wv attorney general and I did so on XX/XX/XXXX spoke XXXX XXXX and was informed could not help me told to contact CFPB and now that bring to now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: SC

Complaint narrative:
XX/XX/2021 XXXX XXXX Discover Bank To Whom It May Concern : Pursuant to my rights under the Fair Debt Collections Practices Act ( FDCPA ) and other state and federal debt collection laws such as 15 U.S. Code 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

, I hereby request that you cease and desist ALL communication with me, as well as my family and friends, in relation to any and all alleged debts that you claim I owe.

You are notified that if you do not comply with this request, I will immediately file complaints with appropriate state and federal regulatory bodies, including but not limited to, attorneys general, the Federal Trade Commission, and the Consumer Financial Protection Bureau. Civil and criminal claims will be pursued.

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-15 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: AL

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: CITIBANK, N.A.
State: MD

Complaint narrative:
CitiBank dropped my credit limit by {$7500.00} on my two credit cards ending in XXXX and XXXX in a letter dated XX/XX/XXXX. 
The card ending in XXXX was reduced from {$3000.00} to {$500.00} and the card ending in XXXX was reduced by {$7000.00} to {$2000.00}. 
My card ending in XXXX was opened around XXXX - XX/XX/XXXX. 
The letter indicated that XXXX  reported my credit score as XXXX on XX/XX/XXXX. But my XX/XX/XXXX XXXX XXXX was around XXXX as per the XXXX XXXX report. My credit score never dropped by XXXX points in 1 day! 
I called the customer service of Citi bank and they asked me to open a complaint with XXXX. I called XXXX  and they mentioned they can only give me my 'current ' credit report and not any historical report. XXXX  can open a complaint only for a mistake on the credit report and started asking money for historical reports. 
I notified Citi Bank and they asked me to send the XXXX XXXX report to a specific address. 
I sent 4-5 letters to Citi Bank and all were sent with XXXX priority mail and tracking showed that all letters were delivered from the past 6 months. But Citi Bank didn't respond by letter to any of my letters. 
Because of the actions of Citi Bank and a bad response to its long-term customers, my overall credit percentage compared to credit limit increased that impacted my credit score. My credit score reduced by this massive drop. Other credit cards followed the suit and the credit limit further dropped by nearly {$10000.00}. 
Other things they mention in the letter is that generic statements saying my card balance on other credit card is high. Question is, how does Citi Bank know if the other credit lines I have are with 0 % APR or not? You look at credit cards with your bank first and see how much effort I had made to pay off the Citi Bank cards and improve

my credit score. The action of Citi cards only indicates
that they do not want consumers to pay off their credit cards.

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 2021-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SS # ENDING IN XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free XXXX XXXX XXXX XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX  We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SS # ENDING IN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: MI

Complaint narrative:
During Covid when I was laid off I went into a forbearance period. After I was back to work I filled out all the paper work to have my loan modified. They received it in XX/XX/2021. Then I needed to resubmit a paper. I did so and now nothing is updating on their site. I can't get through to talk to anyone. They never reply to any emails that have been sent. I have an extension to a loss mitigation representative for my account but there is no where to put the extension in when you call. They were supposed to take an autopsy and it has not been withdrawn. When I call they act like I have done something wrong and are extremely rude. I do not want to lose my home due to not being able to make a payment and have my modification taken care of. Horrible customer service at all avenues.

Company response to consumer: Closed with explanation