vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-09 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: OH

Complaint narrative:
I have sent several letters to Equifax in regards to unauthorized inquires that I've noticed on my credit report and they have failed to meet the request of deleting these unauthorized inquires from my credit report. I need these inquiries DELETED immediately from my report I do not who these belong to but I did not authorize these. I've already contacted the companies and they advised for me to contact your office.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: AZ

Complaint narrative:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
Citizens One billed me for a phony loan to pay for an XXXX XXXX all access purchased at XXXX. I never purchased an XXXX XXXX and and never applied for a loan to pay for the nonexistent XXXX XXXX. This was the subject of CFPB Complaint XXXX. After extensive attempts to resolve this problem with letters and phone calls, Citizens One sent me a letter on XX/XX/2021 admitting that I had been the victim of identity theft. However, they did not provide the particulars that would enable me to file a police report. Citizens One did provide a link to XXXX  XXXX  to enable me to monitor my credit report with XXXX. XXXX XXXX sent me a letter advising me that Citizens One had defamed my credit by reporting a delinquent amount of XXXX under the payment status Collection/Chargeoff. This is clearly a per se violation of the Fair Credit Reporting Act and Olympic level incompetence. Citizens One ignored its own investigation in declaring that I am delinquent by not paying them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I have a VENMO account with about {$500.00} in it that is linked to my checking account with funds in it. On XX/XX/XXXX I tried to pay someone using my funds only to find out my account was frozen. I was never notified. I was also unable to withdraw my funds back to my bank account. I followed all the online instructions for unfreezing your account, however, nothing worked. There are no phone numbers listed on the website to call so I finally sent an email. They didn't respond for a few days and when they did I was informed that it would take 6-8 more businesses days for someone to look into it. 

When I went on their XXXX page I noticed hundreds of complaints from other consumers who are having the same problem and many with worse problems. I believe there is some kind of fraud linked to the plunge in crypto currencies involved. 

Can you help? 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I.C.Systems Inc- Date reported XX/XX/2021 in the amount of {XXXX} To whom this may concern : You have added a fraudulent collection account on my credit report and I need answers immediately and send debt validation or delete it immediately. 

Im requesting validation of debt with proof of a contract bearing my signature. As of now, you have failed to do so. To report this account is illegal when disputed. 

I.C.Systems Inc- Date reported XX/XX/2021 in the amount of $ XXXX DELETE IMMEDIATELY Please provide all paperwork or proof. If not, delete account from the credit bureaus. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas 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 2021-06-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I leased a XXXX XXXX XXXX last XXXX, XXXX in which I've been making payments to Chrysler Capital each month. On XX/XX/XXXX Chrysler received 2 checks for the buyout of this lease in the total amount of the buyout price they submitted to me. On check for {$9800.00} was received and applied to the account. The other check for {$19000.00} was also received, and confirmed to me verbally via phone by 1 customer rep and 1 manager and then 1 woman from the executive offices all within the date range of XX/XX/XXXX - XX/XX/XXXX. None of those people could tell me why my check had not been applied to my account yet. They each told me they would " expedite '' the post but as of XX/XX/XXXX, it still has not been posted nor have any of them called me back as promised. Their customer service has been unprofessional in addition to the mystery as to why they are holding this check, although numerous claims have been made my them that they will post it right away. I'm sure I'll be receiving a bill for interest accrued on an account that should have been paid and closed on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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 — Problem with personal statement of dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TN

Complaint narrative:
Are you the original creditor and do i owe you? 
Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay 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 2021-06-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the orginal creditor, only i can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I had an old account with XXXX XXXX XXXX that was closed in XXXX of 2015. Despite the fact that this account XXXX XXXX XXXX has been closed for 6 years now, XXXX continues to report this account as an ACTIVE account that is 120 days past due. An account that has been closed for 6 years can not still be active and actively delinquent. I've made several requests for XXXX to correct their reporting error, but no action is ever taken.

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 2021-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My Mobile phone was compromised and there were 3 separate XXXX  transactions that was made using my mobile account. I called chase to report the situation the next day. Transactions are : XX/XX/2021 - {$820.00} XX/XX/2021 - {$400.00} XX/XX/2021 - {$780.00} After reporting, Chase locked my online account and filled a claim. They confirmed that my account has been compromised and that I will receive a refund within 10 business days. I had to create a new online account and change my username and password as instructed. Today, XX/XX/2021, I called to follow up with Chase and said my claim has been denied due to transaction happened with XXXX. I escalated the claim to the claims supervisor and was told that they can not do anything or refund me because there were no suspicious activity that they can see on their end. The claims supervisor asked me to file a complain with CFPB if I want to but they are not going to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: First Advantage LNS Inc.
State: MD

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-09 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: CA

Complaint narrative:
I, XXXX XXXX, understand my rights as a federally protected consumer. 15 USC 1681 was created to insure that credit reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Under the definitions section of 15 USC 1681a, a 'consumer report ' is defined as any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

In 15 USC 1681a ( d ) ( 2 ) it specifically outlines items that are supposed to be excluded from a consumer report. Under exclusions, 15 USC 1681a ( d ) ( 2 ) ( B ) it states : ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; The definition of 'credit ' in 15 USC 1681, is the same as the definition of credit under 15 1691 which means, 15 USC 1691 ( a ) ( d ) The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debts and defer its payment or to purchase property or services and defer payment therefor.

Additionally, a credit card is defined as the same term from 15 USC 1602 which means : 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 

Therefore any extension, alleged extension, or approval of credit directly or indirectly by the issuer of a credit card or similar device should be excluded. 

The follow accounts are being reported in violation of the above mentioned statue : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Additionally, XXXX5 USC 1681b ( a ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 15 USC 1681b ( a ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

The credit reporting agencies do not have my written instructions to produce a report in my name in the first place. Without my written consent and instruction, the agencies are acting without permissible purpose. Also, using my social security information without my consent is a form of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alpine Credit, Inc
State: NE

Complaint narrative:
Had a worker 's comp claim through the XXXX  I worked at. 1 - This debt is IS covered by that, as confirmed with the employer. However, they have not bill the work comp insurance for this item ( only billed 1 or 2 ). We have tried contacting them ( Alpine and original biller in XXXX ) and told that the work comp office must contact them. That office has tried to contact them multiple times and left messages but can not get a returned call. 

At this point the claim is closed and even if they did finally bill them, they could not do anything with it to payout due to the lack of responsiveness and failure to provide information to myself or the worker 's comp office who is responsible for this bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: AL

Complaint narrative:
This complaint is in reference to an alleged debt owed to ENHANCED RECOVERY COMPANY. OnXX/XX/2021Enhanced Recovery Company illegally received my information without my permission and informed a third party ( credit reporting agencies ) about this alleged debt and such doings affected my credit report negatively. I have never entered into a contract, received validation of this alleged debt through the mail, validated this alleged debt, nor accepted any goods or services from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: IL

Complaint narrative:
I have requested several times for the bureaus to remove these inquiries but they refuse to. I am requesting written proof they belong to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: IL

Complaint narrative:
I have requested several times for the bureaus to remove these inquiries but they refuse to. I am requesting written proof they belong to me!

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 2021-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, VA XXXX ) has been sending me collection notices in the amount of ( {$1300.00} ). The collection has been reported as passed due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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:
I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong names and addresses that do not belong to me. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an account that does not belong to me.

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 2021-06-09 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: IL

Complaint narrative:
I have requested several times for the bureaus to remove these inquiries but they refuse to. I am requesting written proof they belong to me!

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 2021-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC
State: MD

Complaint narrative:
My Name, Social Security Number and Date of Birth was fraudulently obtained and used to open a XXXX account with 3 telephone numbers XXXX, XXXX and XXXX on XX/XX/XXXX with a Washington DC Address where I have never lived, and it was used fraudulently to incur a debt of {$4100.00}. 

The account was delinquent, closed by XXXX in XX/XX/XXXX and I wasn't aware of it until it was sent by XXXX to a collection agency which tagged it to my credit on XX/XX/XXXX. 

I had no clue of all these happening until got a notification from my credit monitoring agency. I have since reached out to the collecting agency and XXXX to report this as 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 explanation
Consumer complaint received 2021-06-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
In 2018 I began complaining to Capital One Auto Finance that my account terms and balance was incorrect. I spoke with representative after representative. I would explain to them what was posted on the website was incorrect. What they told me was in their system and what was posted on their website did not match. I would put request after request for a supervisor to call me and no one would ever contact me. Well, when the contract end was near, I once again disputed the balance on the account. After several months of dispute, we finally came to an agreement as to what was owed to pay-off the account and that amount was paid. The issue is that during the final six-month dispute they reported me delinquent. I did not think it was proper for me to pay the incorrect amount and then fight to get a refund. It was the end of the contract and I do not believe it to be fair for you to report me as delinquent when there was a formal and legitimate dispute of the final payment total. Yes, the final payment was corrected and paid ; however, this inaccurate reporting to the credit bureau continues to cause me financial hardship in my attempt to purchase a home. I want the delinquent reporting corrected or remove from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
My grievance submission is in process with Cfpb XXXX. XXXX XXXX of Bb & t accessed a debt collection which is exempt through Internal Revenue Service mandate. XX/XX/XXXX {$45.00} expense paid XX/XX/XXXX. Knowing now that 10year debt collection is prohibited I ask to be refunded. And I ask that teller XXXX an personal banker XXXX XXXX be reprimanded due to my arguing dispute. XXXX XXXX is too be holding company for {$45.00} garnishment. Merit is for new expense account to be opened.

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 2021-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
I receive calls daily from from differing lines associated with Midland Credit Management about a debt I do not owe, and is associated with another person. After calling the company to confirm that the debt was owed by a different individual and being told I was removed from their list, they continue to harass me on a daily basis. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Some of the lines in question : XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 I am on the national do not call registry and will be taking action against Midland Credit if they continue.

Company response to consumer: Closed with explanation