vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Holloway Credit Solutions
State: AL

Complaint narrative:
I disputed this alleged medical collection debt # XXXX on XX/XX/XXXX Holloway Credit Solutions Responded to me yet they did not send enough proof to verify this debt ( 1 ) a copy of every contract and/or agreement, including, but not limited to, ( a ) informed consent for medical treatment and ( b ) financial responsibility agreement, signed by The alleged original creditor XXXX XXXX XXXX XXXX and XXXX XXXX , ( 2 ) a copy of all actual bills sent from The Alleged original creditor XXXX XXXX XXXX XXXX to XXXX XXXX with tracking numbers ( e.g., certified mail return receipt number ) or other proof of mailing ( e.g., affidavit of mailing by individual who mailed it ), ( 3 ) a copy of all pre-certifications and billings sent to insurance companies and a copy of all payments received from insurances companies for the alleged debt, ( 4 ) a copy of the record ( i.e., the amount paid and date of payment ) for any co-payment made by XXXX XXXX to the alleged listed original creditor XXXX XXXX XXXX XXXX, ( 5 ) a detailed itemization of the amount that you are attempting to collect, including but not limited to, procedure type or medicines or other items and their respective costs. Said contract or agreement must be with the original creditor and signed by all parties involved and ( 6 ) Proof that this debt was an alleged the account described by Title 15 section 1693A ( 2 ) demand deposit, savings deposit, or other asset accounts.

This alleged Debt Collection Agency sent me a medical bill and that is all. I Need this debt deleted until the requested documentation is received by me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: EQUIFAX, INC.
State: CO

Complaint narrative:
In XX/XX/2021 I sent a dispute to remove outdated information on an account that is paid. Although they removed the payment history that was over two years old, the Payment status was not corrected, it is still reporting Late 60 days. This is incorrect information and needs to be corrected to Paid or current.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
MY BANKRUPTCY HAS BEEN 3YRS DISCHARGE, ALL CREDIT CARDS CLAIMED ON THAT BANKRUPTCY IS STILL SHOWING 14 LATE PAYMENTS, STILL STATING POTENTIONALLY AT RISK, MEANING ME THE FUTURE CLIENT, BELOW ALL THAT RED DEROGATORY COMMENTS, I HAVE NEVER BEEN LATE AFTER THE BANKRUPTCY AND NEVER BEFORE THE BANKRUPTCY. I HAVE BEEN ASKING, FILING COMPLAINTS TO THE THREE MAJOR CREDIT BUREAUS, XXXX XXXXXXXX XXXX  ABOUT THE BANKRUPTCY ACCOUNTS THAT NEVER SHOW BE SHOWING 14 LATE PAYMENTS, THAT IS WHY I HAVE SO MANY INQUIRES WONDERING WHY I KEEP GETTING DENIED, UNTIL I SPOKE TO A XXXX  MANAGER SHE TOLD ME I WAS DENIED BY XXXX  BY HER, DUE TO THE CREDIT BUREAUS STATING, DEROGATORY LATE PAYMENTS, AND BANKRUPTCY, SHE TOLD BE GO BACK TO THE BANKRUPTCY LAWYER HAVE THEM UPDATE YOUR CREDIT PROFILE, SHE ALSO TOLD ME YOU CAN ONLY HAVE ONE OR THE OTHER WHEN CLAIMING BANKRUPTCY YOUR EITHER DELINQUENT OR YOU HAVE BANKRUPTCY. BANKRUPTCY IS SUPPOSE TO ALLOW YOU TO HAVE A FRESH START AS THE TIME AGES FOR DISCHARGING ALL. YOUR CREDIT BUREAU REPORTS SHOULD NOT HAVE YOU STATING LATE NOR POTIENTALLY A RISK. **WHAT ELSE AM I GOING TO DEAL WITH, THIS HAS LEFT ME TO FILE A COMPLAINT ON ALL THOSE WHO STILL HAVE MY CREDIT 14LATE PAYMENTS, ALL MY REQUESTS WITH THE 3 MAJOR CREDIT BUREAUS, ALL THE INQUIRES AND COMPANIES DENYING ME CREDIT GOOD COMPANIES, INSTEAD, I GOT CREDIT SURE, BUT I PAY A HUGE PRICE OF THE BANKRUPTCY AND THE STILL DEROGATORY LATE 14 PAYMENTS THAT STILL SHOW ON XXXX  , XXXX  , XXXX  , AND THE BANKS THAT DEAL WITH FIRST TIME HOME BUYING PROGRAM I AM IN THE PROGRAM. I AM XXXX  YRS, STILL NEVER HAD MY FIRST HOME, AND HAVE PAID DEARLY FOR ALL MY DEBTS, 100X 'S OVER!!, NOW I AM REQUESTING AND WANT ALL THOSE DEROGATORY 14 LATE PAYMENTS REMOVED, AND THE CURRENT ONE THAT XXXX  STILLS SHOWS THE XXXX  FROM XXXX, I HAVE NOT BEEN LATE THE SUPERVISOR XXXX CORRECTED A HUGE ERROR HIS CUSTOMER SERVICE DID WITH THE DATES OF PAYMENTS AND NEVER CHANGED IT TO THE CORRECT STARTING DATE FOR THE COVID HARSHIP PROGRAM AND HE REFUNDED MY XXXX THRU HIS SIDE OF THE ACCOUNT MANAGEMENT TEAM. WHY IS IT THAT IT STILL SHOWS I AM 30-60 DAYS LATE AND THE XXXX ** NOT ONE COMPANY! NOT ONE CREDIT BUREAUS WHO SUPPOSED TO BE THE MAJOR 3 CREDIT BUREAUS, WELL THEY NEED TO REDO THEIR WAY OF CORRECTING AN UPDATING MY CREDIT HISTORY** THEY ARE NOT ON THE SAME PAGE!! I KEEP STATING THAT!!., THEY DO NOT MATCH INFORMATION WITH ANY SEARCH ENGINE, XXXX XXXX, OR XXXX  OR XXXX NOTHING ...!!! NOT AT ALL, THIS IS XXXX I FEEL LIKE I AM STILL BACK XXXXXXXX XXXX DEALING WITH MY CREDIT AND DISPUTING!! OVER AND OVER THE SAME THING.. MY PHONE XXXX MY EMAIL XXXX!! MY NAME IS XXXX XXXX!! MY CREDIT SCORE SHOULD HAVE BEEN OVER 740!! AND UP!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been a Victim of identity Theft and contacted Trans Union with both FTC and Police Reports. I have sent this to Trans Union several times. They are not compiling with FCRA 605B. Causing me to not get a chance to get capital from a bank. I am in the process of getting a attorney for the case but wanted to report it so this will be included with my legal case. 

XXXX : Fraudulent XXXX : Fraudulent XXXX XXXX : Fraudulent Upgrade : Fraudulent

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 2021-08-17 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: PA

Complaint narrative:
Clients Name Clients Address The term consumer report as defined by 15 USC 1681 ( a ) ( d ) does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device and the reporting of this inquiry violates this. 15 U.SC 1681b - permissible purposes of consumer reports ( a ) in general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates I, clients name, never gave you any written consent to include any of this information to my consumer report, neither did I give your company any consent to furnish nor communicate any of this information to any person, third party, or affiliate so your company is actively violating my rights under the FCRA. As a consumer my specified remedy for these injuries is : The deletion of the following inquiries listed below. 

XXXX Inquiry : XXXX XXXX, 2020 As a consumer by law these inquiries on this letter must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I have been a Victim of identity Theft and contacted XXXX XXXX with both FTC and Police Reports. I have sent this to XXXX XXXX several times. They are not compiling with FCRA 605B. Causing me to not get a chance to get capital from a bank. I am in the process of getting a attorney for the case but wanted to report it so this will be included with my legal case.

TD/Target : Fraudulent XXXX : Fraudulent XXXX XXXX : Fraudulent Upgrade : Fraudulent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX has placed my credit report in their special handling department. I would assume that because I am a victim of identity theft they placed it there. I have sent FTC & Police Reports to XXXX XXXX, XXXX, and Experian. All three major companies fail to comply with the FCRA. The FCRA 605B states that upon receiving FTC or Police reports they are required to block the fraudulent trade lines within 5 days. They are disputing the trade lines over again 30 days wait and are not concerned about the FCRA. I am in the process of getting legal help before I do I wanted this last attempt to be documented with CFPB so that it looks excellent for my case.

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 2021-08-17 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have called EQUIFAX and I explained to them about the inaccurate information on my consumer report and I demanded them to permanently DELETE/REMOVE the closed negative items accounts and they refused to do so. I also explained to them that I am a consumer ( natural person/creditor ) pursuant to 15 USC 1602 ( e ) and 15 USC 1602 ( g ). I demanded these deletions based on my federal protected consumer rights and they was nonchalant about the matter for which these items are affecting my reputation and destroying my character as a consumer. 
Also, while on the phone with EQUIFAX, I made it clear to them that NO consent was NEVER given to them ( EQUIFAX ) pursuant to 15 USC 1692b, I proceed to demand for these DELETION due to the violation they committed on my consumer report and explained to them that they was in violation pursuant to : 15 USC 1692b ( no consent was given ), 15 USC 1681 ( a ) ( 1 ) ( 3 ) ( 4 ), 15 USC 1681 ( 2 ), 15 USC 1681 ( 3 ), 15 USC 1681 ( 4 ), 15 USC 1681 ( B ), 15 USC 1681a ( d ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681a ( 2 ) ( B ), 15 USC 1681a ( e ) ( failed to deliver proof of verification of alleged debt ), 15 USC 1681a ( 2 ), 15 USC 1666a ( B ), 15 USC 6821a ( violation of privacy protection ), 15 USC 6821a ( 1 ), 15 USC 6821a ( 2 ), 15 USC 6821a ( 3 ), 15 USC 6821b 15 USC 1692b ( 2 ), 15 USC 1681 ( a ) ( e ).

EQUIFAX fall under the term of Financial Institution pursuant to 15 USC 6827 ( 4 ) ( B )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: FL

Complaint narrative:
XXXX XXXX has placed my credit report in their special handling department. I would assume that because I am a victim of identity theft they placed it there. I have sent FTC & Police Reports to XXXX XXXX, Equifax, and XXXX. All three major companies fail to comply with the FCRA. The FCRA 605B states that upon receiving FTC or Police reports they are required to block the fraudulent trade lines within 5 days. They are disputing the trade lines over again 30 days wait and are not concerned about the FCRA. I am in the process of getting legal help before I do I wanted this last attempt to be documented with CFPB so that it looks excellent for my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Im demanding that the 3 major credit reporting agencies provide me with a physical documentation / contract of the following accounts, these accounts are unknown and unauthorized by me. Im demanding that these accounts be blocked and removed from my credit file. 

1. XXXX XXXX {$670.00} 2. XXXX XXXX {$120.00} 3. Missouri Div Chld Supprt

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 2021-08-17 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 noticed several unauthorized inquiries ( attachments included ) on my credit report. I have sent several letters to the credit bureaus regarding these inquiries. Equifax is the only bureau that has refused to remove these fraudulent inquiries from my credit report. I called them after waiting over 45 days after my written disputes & requests & was advised by a very rude representative that there was nothing he could do & that he did not care if I filed a CFPB complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
On XX/XX/21 I complaint about Transworld violating any grace period and immediately reporting meeical debt to the credit. At any moment I ask for validation of debt which they keep sending validation papers with personal information from my minor daughter without my hyppa release forms

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Credit Karma, LLC
State: GA

Complaint narrative:
I used my Credit Karma XXXX debit card at a XXXX XXXX atm located inside a XXXX convenience store in XXXX, Ga. My credit karma account was charged {$400.00}, but the atm DID NOT dispense the money. When I contacted XXXX XXXX, they frankly told me they were not going to do anything about it. So I called credit karma. After 2 weeks of emailing back and forth, Credit Karma closed my account. My XXXX  account and my credit monitering account that Ive had for years. And didnt refund my {$400.00}. I have no number to contact them. They stopped acknowledging my emails. I want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: MO

Complaint narrative:
Im demanding that the 3 major credit reporting agencies provide me with a physical documentation / contract of the following accounts, these accounts are unknown and unauthorized by me. Im demanding that these accounts be blocked and removed from my credit file. 

1. XXXX XXXX {$670.00} 2. XXXX XXXX {$120.00} 3. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Im demanding that the 3 major credit reporting agencies provide me with a physical documentation / contract of the following accounts, these accounts are unknown and unauthorized by me. Im demanding that these accounts be blocked and removed from my credit file. 

1. XXXX XXXX {$670.00} 2. XXXX XXXX {$120.00} 3. XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: LA

Complaint narrative:
I received about XXXX in my account from unemployment, Louisiana Workforce Commission. Chime then froze my account with about XXXX left in there. Stating I broke an agreement. I contacted them and stayed if I broke an agreement send my money back to Louisiana Workforce, which they claimed was done. I spoke with Louisiana Workforce and they stated it was never done. So now chime bank believes they should keep my taxes money I never received. I sent them a copy of my I'd, a selfie, birth certificate and my paper work from unemployment. They are still trying to keep my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: GA

Complaint narrative:
On XX/XX/2021 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, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: PNC Bank N.A.
State: OH

Complaint narrative:
I filed a dispute on XX/XX/2020 with PNC Bank for an unauthorized charge of {$4000.00}. I was told that I would receive a provisional credit within 10 days to my account or they would complete the investigation within 10 days. I submitted everything immediately to PNC and repeatedly called daily expressing that I had not received the credit and I submitted all documents requested and that I was in a desperate state since this caused my account to go into the negative. PNC refused to assist me during the investigation. Finally on XX/XX/2020 ( 90 days after I filed the dispute ) PNC completed their investigation and found in my favor refunding the money that was stolen from my account. However, due to the long investigation and no issue of the provisional credit I was evicted from my home, my car was repod, my utilities turned off, had to give my dog away due to not being able to afford to care for her, all my bills were late and all my credit cards were closed due to nonpayment. My son was not able to graduate high school due to not being able to complete online classes. My daughter had to go live with her dad due to having no food and no home and no funds to hire an attorney. I literally lost everything due to this. I have not been able to recover and have been homeless with no car since XX/XX/2020. PNC then held all my deposits ( including direct deposits ) and turned off my online banking access and demanded that I come into a branch and withdrawal all my funds and close my account because I started to complain to the local media. This bank has ruined my life causing me to fall into a XXXX that I can not even afford to seek treatment for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I already sent multiple debt validation letters and they willful non-compliant as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] debt showing on on EQUIFAX REPORT : XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX FL Re : Acct # account number # # # # # # # # # # # # # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
JPMorgan Chase Bank, N.A. has denied me access to my online Chase Bank account, they have refused to assist me with unlocking it, or whom I need to speak with in resolving this " error '' please call us to help you unlock your account. Sunday through Saturday from XXXX to XXXX Central Standard time I call them repeatedly, I have gone into Chase Bank Branches, I have contacted their Executive Office from their number which I retrieved off a past complaint filed against them through the CFPB. 

Chase Bank has me in a negatively financial impacting status, I don't know where my money is going, I am unable to dispute charges, and even if I could dispute charges, I can not view the account transaction history, nor view statements, nor send them messages on the secure message center feature, and this has gone on for months. 

My next step, is seeing Chase Bank in a criminal district court of XXXX XXXX, TX, and pursuing them at all cost.. This is uncalled for, and although the Fraud Department is the department I was always told to call, and speak with, they too said they are unable to help. So Am I supposed to be in negative deficiency of debt, and a negative balance of which I do not know what's going on, whose making transactions, or what I could possibly to do to put a halt to this. I have my income taxes, stimulus, federal benefits, employment income from my State Agency Office Job, and my campaign election funds are also managed within my online Chase Bank Account in a separate account, and now I am locked out of accessing them to proceed with my campaign for XXXX XXXX in XXXX XXXX, TX-State XXXX of Texas. The XXXX XXXX is the XXXX XXXX, and XXXX, and overall head authority in charge for overseeing the XXXX XXXX of our XXXX XXXX XXXX XXXX XXXX Texas. 

This has gone to far. 

Not to mention, I have my other deposits from other sources, IRS, refunds I am owed from accounts I was able to dispute without having access to my Chase Bank account, and the list continues.

Company response to consumer: Closed with monetary relief