vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : Account Name : XXXX/XXXX  Account Number : XXXX Reason : I don't recognize this account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I ask at this time to terminate the lawyers that you hired to process a summary judgment against me, as this firm simply violated my right by not serving the necessary complaint. I am open to negotiate directly. Please feel free to call me directly, and leave a call back message in case I can't answer. I did call in with an agent and was given three different settlement offers, so your company is open to this. I also requested a true copy original of the Bill of Sale, showing true ownership of the debt. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 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: MD

Complaint narrative:
This complaint is in regard to consumer reporting agencies reporting inaccurate information without my written consent pursuant to 15 USC 1681b ( a ) ( 2 ).

The problem i am having is Congress put forth rights for consumers protection stating my written consent to my consumer report is needed before furnishing any information. Due to non-cooperation pursuant 15 USC 1692k the agencies involved are civilly liable. 

I mailed a letter XX/XX/2021, and as of XX/XX/2021, i have yet to receive a response. 

The agencies that are violating my IV Amendment ( The right of the people to be secure in their persons, PAPER, and effects, against unreasonable searches ) are XXXX, XXXX, and Equifax. 

The consumer and natural person is submitting this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I ask at this time to terminate the lawyers that you hired to process a summary judgment against me, as this firm simply violated my right by not serving the necessary complaint. I am open to negotiate directly. Please feel free to call me directly, and leave a call back message in case I can't answer. I did call in with an agent and was given three different settlement offers, so your company is open to this. I also requested a true copy original of the Bill of Sale, showing true ownership of the debt. 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 2021-07-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
For the dates listed XXXX, and XX/XX/XXXX, I sent a request to have late payments removed for the following dates, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX due to me being in a natural disaster ( Hurricane XXXX ) and the Pandemic ( Covid 19 ). Capital one has refused to add a natural disaster code so that the late payments do not affect me negatively. I have also requested that the late payments be removed being that I made all my payment on time up until I was affect by the natural disaster and the pandemic. I received no notices from Capital one auto loans on a plan they had in place for consumer affected. I would like for Capital One to remove these late payments and provide proof that I was notified of the late payments in a timely manner to avoid the late payment being reported to the three major credit bureaus ( XXXX XXXX XXXX ). I am also requesting that these late payments be removed within 30-45 under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 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: OH

Complaint narrative:
THESE INQUIRIES ARE NOT MINES!!! bro according to united states code 1695 and fair reporting credit act along wit fdcpa rights, any unauthorized and fraudulent activity must be removed and gone from reporting to my consumer report! Like I Have attached documentation of the letter that was sent to the furnisher on XX/XX/2021. They are still contacting me and this has shown up on my transunion credit report! I, XXXX XXXX XXXX IS SENDING THIS MESSAGE, IM NOT HAVING A COMPANY SEND THIS ON MY BEHALF!

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 2021-07-17 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: AZ

Complaint narrative:
Last XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report 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 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 2021-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
This complaint is regarding consumer reporting agencies reporting inaccurate information without my written consent pursuant to 15 USC 1681b ( a ) ( 2 ).

The problem is a blatant disregard of my rights that Congress put forth for consumers protection, stating my written consent to my consumer report is needed before furnishing any information. The non cooperation giving makes pursuant 15 USC 1692k the agencies involved civilly liable. 

I mailed a letter XX/XX/2021, and as of XX/XX/2021, i have yet to receive a response. 

The agencies that are violating my IV Amendment ( The right of the people to be secure in their persons, PAPER, and effects, against unreasonable searches ) are XXXX, Transunion, and XXXX. 

This complaint is from the consumer who is also the natural 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 explanation
Consumer complaint received 2021-07-17 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: MD

Complaint narrative:
This complaint is regarding consumer reporting agencies reporting inaccurate information without my written consent pursuant to 15 USC 1681b ( a ) ( 2 ).

The problem is a blatant disregard of my rights that Congress put forth for consumers protection, stating my written consent to my consumer report is needed before furnishing any information. The non cooperation giving makes pursuant 15 USC 1692k the agencies involved civilly liable. 

I mailed a letter XX/XX/2021, and as of XX/XX/2021, i have yet to receive a response. 

The agencies that are violating my IV Amendment ( The right of the people to be secure in their persons, PAPER, and effects, against unreasonable searches ) are XXXX XXXX and Equifax. 

This complaint is from the consumer who is also the natural person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANCO POPULAR DE PUERTO RICO
State: NY

Complaint narrative:
I have tried for months to communicate with a credit card company with holds on the phone for hours, then I will be disconnected. I have no means of communication to settle a charged off account, and I do not wish to file for bankruptcy. My contact information is listed within this complaint. Thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
This complaint is in regard to consumer reporting agencies reporting inaccurate information without my written consent pursuant to 15 USC 1681b ( a ) ( 2 ).

The problem i am having is my rights are being violated. Congress put forth rights for consumers protection stating my written consent to my consumer report is needed before furnishing any information. Due to non-cooperation pursuant 15 USC 1692k the agencies involved are civilly liable. 

I mailed a letter XX/XX/2021, and as of XX/XX/2021, Still no response. 

The agencies that are violating my IV Amendment ( The right of the people to be secure in their persons, PAPER, and effects, against unreasonable searches ) are XXXX, Transunion, and XXXX. 

I am the consumer and the natural 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 explanation
Consumer complaint received 2021-07-17 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: DC

Complaint narrative:
This complaint is in regard to consumer reporting agencies reporting inaccurate information without my written consent pursuant to 15 USC 1681b ( a ) ( 2 ).

The problem i am having is my rights are being violated. Congress put forth rights for consumers protection stating my written consent to my consumer report is needed before furnishing any information. Due to non-cooperation pursuant 15 USC 1692k the agencies involved are civilly liable. 

I mailed a letter XX/XX/2021, and as of XX/XX/2021, Still no response. 

The agencies that are violating my IV Amendment ( The right of the people to be secure in their persons, PAPER, and effects, against unreasonable searches ) are XXXX, XXXX, and Equifax. 

I am the consumer and the natural person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 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: NJ

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 47 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these within 30 days gives a reason to immediately remove those items from my credit report it has been over 47 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stressed you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 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: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
AMEX made an unauthorized credit inquiry that was listed my XXXX  report on XX/XX/XXXX. I have written to Amex on XX/XX/XXXX requesting documentation proving this authorized inquiry ( sent via certified mail ). AMEX responded XXXX on XX/XX/XXXX ) to the first letter claiming to have had " permissible purpose '' while totally disregarding my request to be shown proof of my authorization. I have since sent another letter ( via certified mail XXXX on XX/XX/XXXX again requesting the verification method and evidence to my authorization and I've yet to receive either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 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: NY

Complaint narrative:
Ones again the ruthless investigations of Transunion dont have any meaning with information from 2019 from a third party that isnt the furnisher and doesnt match Ones again he can see how ruthless can be Transunion against consumers Im requesting again to Transunion to stop their ruthless actions If that is true so Im requesting from transUnion the original contract from XXXX  XXXX and XXXX  XXXX  and stop XXXX XXXXlying That aint even a recent investigation That is from 2019 form a third party What is XXXX. Investigation which I dont consider any credibility at all

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 2021-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2021, I opened 2 purchase disputes with Citi and it's been a complete nightmare since then! One dispute was for {$190.00} and the other for {$100.00}. 
The tracking numbers show " delivered '' but I didn't receive 4 of the 5 items. And, the only item that I received was completely damaged!!! 

Citi asked me for all evidence that I have but still decided to rule it against me and in the favor of the merchant. 

Citi and the merchant took advantage of a small consumer here and there is nobody to talk to. 

The only reason Citi decided to rule in favor of the merchant was that the merchant threatened to send his lawyers to them and it scared them ... but they don't mind hurting the small consumer! 

XXXX and XXXX  XXXX XXXX are much better at protecting the small consumers against scammers online!!!

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 2021-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
My phone and wallet were stolen and used in the same city I was visiting at the time. In XXXX XXXX I reported the theft and unauthorized charges right away to Chase Bank. Despite the timely report, Chase ruled that the unauthorized charges were legitimate and the funds were withdrawn. Chase stated that I needed to provide evidence but despite giving the police report, they still ruled against me stating the charges were legitimate. Police report # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}, {$7400.00}, {$2700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7400.00} -This is not my account. 

XXXX. XXXX/XXXX  with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$2700.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 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: Early Warning Services, LLC
State: FL

Complaint narrative:
I have contacted Early Warning LLC for a copy of my consumer report. I contacted them directly through their consumer portal. I filled out the required paperwork and submitted a copy of my ID. I have received no response from them. I have a right to a copy of my consumer report they have on file. If they can provide a copy to a bank instantly when an account is opened they can provide a copy to me in a reasonable time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On Sunday XX/XX/XXXX at approximately XXXX and on Monday XX/XX/XXXX at approximately XXXX, {$300.00} was fraudulently withdrawn from my checking account via ATM withdrawal. This was not an authorized withdrawal and I do not know the person who did this nor how they acquired my PIN nor card. The card was in my wallet in my vehicle at the time. It was impossible that it was me who did this as I was working Monday during the time it occurred and the ATM video records proves it was not me, as evidenced by the police report I filed which reference said tapes. The bank in question ( Chase ) in spite of all this evidence, still refused to acknowledge that this was fraud and denied me my money which was stolen from me in the order of {$600.00} ; 2 withdrawals of {$300.00}. Is there anything the CFPB can do to correct this?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I want Capital One and XXXX  to fix this problem and restore this good standing credit line to my ( XXXX  only ) credit file. I have made all my payments on time and all they would need to do is CALL XXXX  and figure out the problem. I have since been denied a credit limit increase on this Capital One account and feel that the denial was a direct result of the account missing from my XXXX  credit file, ( Attachment 1, Capital One letter, XX/XX/XXXX ). 

On XX/XX/XXXX while monitoring my XXXX  credit report, it was reported that XXXX  added a remark to the Capital One tradeline. The remark said, " Consumer disputes, reinvestigation in progress, '' ( Attachment 2, XXXX  Credit report, XX/XX/XXXX ). This account was opened on XX/XX/XXXX and I have never disputed the account, ( Attachment 3, Capital One credit card statement, XX/XX/XXXX ). 

On XX/XX/XXXX, while monitoring my XXXX  credit report, the Capital One tradeline was completely removed from my XXXX  credit report. I contacted Capital One and they had no knowledge of the account being removed and they were still reporting it to all three credit reporting companies. I told them that it was only XXXX  that removed the tradeline. They told me to contact XXXX. 

On XX/XX/XXXX I sent a letter to XXXX  asking them to investigate the account and explain the reason they had for removing the account from my XXXX  credit file. In my letter I also told them I had never disputed this account. The only response I received from XXXX  was Dispute Results. The results state that Capital One is NOT being reported to my XXXX  credit file, ( Attachment 4, XXXX  Results for Dispute # XXXX, XX/XX/XXXX ). 

In XXXX, XXXX, I forwarded the XXXX  dispute results to Capital One along with a letter asking them to fix this problem and restore the tradeline to my XXXX  credit report. They replied with a letter that confirmed the account is being reported to my XXXX  credit file, ( Attachment 5, Capital One letter, XX/XX/XXXX ). 

Capital One and XXXX  are giving me the run around. Please fix this problem and restore this tradeline to my ( XXXX  only ) credit file. I have made all my payments on time. Capital One PLEASE CALL XXXX  and fix this problem.

Company response to consumer: Closed with non-monetary relief