vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-03 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: TX

Complaint narrative:
reporting public records opt out b/c of ID theft please remove from all records ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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: TX

Complaint narrative:
reporting public records opt out b/c of ID theft please remove from all records ASAP

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 2020-12-03 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: TX

Complaint narrative:
reporting public records opt out b/c of ID theft please remove from all records ASAP

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 2020-12-03 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: Eagle Accounts Group, Inc.
State: OK

Complaint narrative:
My divorce agreement was through the state of XXXX, there was never a child support order because we had shared custody ( the Custodial parent became nonexistent for 12 years! ) I had never seen nor did I sign the document they have, the order isn't even correct even if I had! Child goes to live with mother who lived in XXXX Unbeknownst that she was moving and I still dont know where nor seen or spoken to my child, I've been paying XXXX Child support and current but XXXX states I'm arrears {$28000.00} from XX/XX/XXXX to XX/XX/XXXX at 12 months that's {$2300.00} a month? I asked if there was a document my my Or a judge 's signature on it with their office the answer was no, Nor have I been to any Judiciary setting in XXXX before a judge! XXXX XXXX stated my child was not in state asst, that it was my obligation to support my child, I informed him that I am and that his information was incorrect, How can a person owe two states for one child? Being up to date and current in the state where ordered to pay and past due with outstanding for nonpayment with another? Still intercepting my tax returns and shows no record, also ruining my credit and crippling my employment with two financial institutions with no investigation and mindset " that I'm a XXXX Dad '', when I owe that State Nothing! What the two states have going is their deal but my end of it is confirmed current? My exwife has claimed my child since birth on her Taxes ( 15 yrs ) and was nonexistent for 12yrs, yes I turned her in to the IRS, but never paid for nothing and was shocked if he got a game for a birthday!

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 2020-12-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I received a phone call on XX/XX/2020 from XXXX at XXXX saying they were the lead officer and we're sending out officers to arrest me due to defaulting on my loan and committing fraud. I said I had no idea what they were talking about. They then said to call their legal department and gave me this number : XXXX. I called that number and they picked up on first ring and just said hello, how can I help you. I then proceeded to ask for the legal department and they said they were it and asked for a case number. I gave them the case number that the previous caller provided me with. I told them I had absolutely no idea what this was about. They told me they were just about to submit my case to XXXX County courts for frauding an FDIC institute. I told them I didn't take a loan out. They said it didn't matter if it was me or not because unfortunately all my information was submitted for a loan. They then told me I only had 2 options. Either go to court, or set up a payment plan with them today. I told them I had no money and there was no proof that I took out this loan. They repeated the options again. I was terrified and gave them my card information. They then said I would have to make 7 payments of {$140.00}. the said if I missed one payment, I would go to court. They said because I set up a payment plan today, they temporarily froze all legal action. They said it was for Ace Cash Loan Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I have had paypal for about a year and i havent been able to apply for their debit card even though i am a paypal cash plus account member. They refuse to give me a valid reason. I think they are just being systematically XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I was contacted by Neiman Marcus & was asked if I made a {$600.00} purchase to be sent to an address in XXXX, Texas. & I told them NO I did NOT make that purchase or authorize anyone else to do so ( & that is NOT where I live,, & so approx. onXX/XX/XXXXXXXX has erroneously recorded that XXXX Texas address as mine.Ive requested by mail & by email & a conversation with Neiman Marcus to make the address correction ( I live in XXXX XXXX ). So today I received a notice from XXXX that they updated my address, but only changed an apartment numeral ( which is still NOT MiNE ) I have no property in Texas! Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, I used a 3rd party booking website, XXXX  to book 2 hotel rooms at the XXXX XXXX XXXX  in XXXX, checking in on XX/XX/XXXX and checking out on XXXXXX/XX/XXXX.The transaction was fro {$1000.00} which included a {$29.00} AMEX foreign transaction fee- for a total cost of {$1100.00}. 

On XXXX XXXX unbeknownst to me ( and without my consent or permission ) the merchant cancelled my reservation with the hotel. The merchant was not charged- and the merchant did not refund my money. 

I have filed multiple disputes with AMEX, and I have submitted proof to AMEX- ( in the form of a letter from the hotel ) -- that confirms my reservation had been cancelled, the merchant had not been charged, and as such, had I traveled to XXXX- the hotel would have turned me away for not having a reservation. 

I have submitted multiple disputes with AMEX- on the basis of theft ( I was charged for a service I did not receive ) -- and I have submitted copies of this letter to AMEX on at least three occasions. To date- this has not been resolved. 

Today, I received the following letter from AMEX : " At this time we do not have enough information to investigate this charge for you. If you could call us to clarify why you are questioning the charge, we will investigate the issue immediately for you. '' This is theft- the merchant stole my money- I've submitted proof of this to AMEX on multiple times, have spoken with customer service at least eight times, and this has been escalated at least 3 times- but I'm still being charged -- DESPITE my submitting voluminous proof to AMEX on multiple occasions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Someone applied for a Capital One/Cabela 's credit card using my name, social security number, and date of birth. I have not applied for a credit card in several years nor do I shop at Cabela 's. I was notified via my XXXX monitoring service and discovered that my credit was checked with XXXX XXXX for this application.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-03 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: CA

Complaint narrative:
I have filed numerous disputes with Experian regarding incorrect information on my credit report on an account I closed with a XXXX balance and the merchant keeps continuing to report it as 30 days late months after the account was closed. I've also requested debt validation from the XXXX XXXXXX/XX/XXXX which they failed to provide me with. Enclosed are my bank statements along with my credit report that shows there was no balance on the credit card. I've also enclosed a past statement where I made two payments in one month and was still charged a late fee because they held my payment for 11 days. The company refunded it as it was their mistake. However, I've had to dispute them on six different occasions the last being another 30 day late FIVE months after the account was closed. I've also sent XXXX XX/XX/XXXX all my bank statements when I last requested debt validation on XX/XX/2020. I also requested debt validation on XX/XX/2020.

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 2020-12-03 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: EQUIFAX, INC.
State: MN

Complaint narrative:
I sent a dispute letter on XX/XX/XXXX through Certified Mail to Equifax requesting a reinvestigation and the Method of Verification for an account on my credit profile through Equifax. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the original creditor, they must remove said information from the consumer credit file. I have attached copies of the letter from the US Bankruptcy Court stating they dont report to the credit bureaus. I have also attached a copy of my letter from XXXX saying my credit profile is frozen. How is the credit bureau verifying this alleged public record when the third party provider is frozen? Per the Federal Law, you have exactly 30 days to complete the investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Equifax has been non-compliant and didnt complete the dispute in 30 days. I further remind Equifax, as in Wenger v. TransUnion Corp., No. 95-6445 ( C.D. Cal. Nov.14, 1995 ), you may be liable for your willful non- compliance. The account in question needs to be removed immediately for violations against the Fair Credit Reporting Act, no validation in the 30 day time period, no validation with the third party provider of the data. I did not authorize a third party provider called XXXX to report this data against me on Equifax. The bankruptcy court cant verify this data due to privacy laws. The public record is non compliant, inaccurate, and unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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: CA

Complaint narrative:
There is a collection account that is not my account on my credit report. I have sent two letters requesting that XXXX XXXX XXXX to validate the debt which they failed to do on the two occasions that I sent them a letter. First letter was sent on XX/XX/2020 and another one sent XX/XX/2020. I have attempted numerous times to dispute this information with Tranunion. 

There is also a 30 day late mark on an account that was closed with a XXXX balance, again the Merchant failed to validate the debt under the FCRA 611 ( A ) ( 7 ) as they are required to do so by law. This particular Merchant has put 30 day late marks on other credit reports FIVE months after the account was closed

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 2020-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I sent a dispute letter on XX/XX/XXXX through Certified Mail to Transunion requesting a reinvestigation and the Method of Verification for an account on my credit profile through Transunion. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the original creditor, they must remove said information from the consumer credit file. I have attached copies of the letter from the US Bankruptcy Court stating they dont report to the credit bureaus. I have also attached a copy of my letter from XXXX saying my credit profile is frozen. How is the credit bureau verifying this alleged public record when the third party provider is frozen? Per the Federal Law, you have exactly 30 days to complete the investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Transunion has been non-compliant and didnt complete the dispute in 30 days. I further remind Transunion, as in Wenger v. TransUnion Corp., No. 95-6445 ( C.D. Cal. Nov.14, 1995 ), you may be liable for your willful non- compliance. The account in question needs to be removed immediately for violations against the Fair Credit Reporting Act, no validation in the 30 day time period, no validation with the third party provider of the data. I did not authorize a third party provider called XXXX to report this data against me on Transunion. The bankruptcy court cant verify this data due to privacy laws. The public record is non compliant, inaccurate, and unverifiable.

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 2020-12-03 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: CA

Complaint narrative:
Equifax is reporting incorrect information on my credit report. They are reporting one account that I closed back in XXXX of 2020 as 30 days late. Which was closed with a XXXX balance and the account was never late. This merchant has reported my closed account on other credit reporting agency as 30 days late 5 months after the account was closed. I've also sent to the Merchant debt validation request letters which they failed to do. 

There is a collection account that is not my account. Again I've contacted the company requesting debt validation which they failed to provide me with under the Fair Debt Collect practices pursuant to 15 USC 1692g Sec 809 ( B ) of the FDCPA. The letters were sent on XX/XX/2020 and on XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I have tried to remove old addresses, old name variations, and other information from my credit profile but the bureau doesnt remove the data. Per FCRA Section 623 ( a ) ( 1 ) ( C ) A Credit Bureau can not report information the consumer has told them is inaccurate. All old addresses and information needs to be removed from my credit profile due to being inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Medical Administrators, Inc
State: AL

Complaint narrative:
I received a letter from a collection agency for something that I didn't order. Status : Unanswered, I tried to call and was put on hold several times and no one ever answered. Date Received this collection notice : XX/XX/XXXX Reference # XXXX I received a notice from National Medical Administrators ( a collection agency ) for an amount I never charged nor did I buy anything from this company. I received a letter from this collection agency in the mail today XX/XX/XXXX asking for {$110.00} for XXXX oil that I never purchased. I had filled out a survey that said I would receive a prize for filling out the survey. After filling out the survey it took me to a web page where I could choose my prize and all I had to do was pay the shipping which I did. I then received the oil in the mail shortly after that. There was no indication that I owed anyone anything. After that, I had to change my debit card because someone hacked into my account. I assumed it was from this scam and I was very upset that I had even answered their survey, but grateful my bank caught it. I have not received a bill, until I received a letter from this collection agency saying that they have been retained by XXXX XXXX XXXX  for an obligation that I am responsible for this is the first I have heard about this. I never ordered anything from this company and never received a bill. I want this matter resolved so that I do not owe anyone any money, since I never ordered anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I have tried to remove old addresses, old name variations, and other information from my credit profile but the bureau doesnt remove the data. Per FCRA Section 623 ( a ) ( 1 ) ( C ) A Credit Bureau can not report information the consumer has told them is inaccurate. All old addresses and information needs to be removed from my credit profile due to being inaccurate.

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 2020-12-03 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: FL

Complaint narrative:
My Equifax score dropped XXXX points and there was no changes to my credit report. The company Equifax was contacted and they agreed that there is no reason for the XXXX point drop and stated to wait until the end of the month when the system refreshes, that it will probably correct itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Disputed some items on my credit 45 days ago that has yet to be remove or proof that the accounts belong to me in the first.

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 2020-12-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Disputed some items on my credit 45 days ago that has yet to be remove or proof that the accounts belong to me in the first.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Disputed some items on my credit 45 days ago that has yet to be remove or proof that the accounts belong to me in the first.

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