vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-19 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:
It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 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:
I am inquiring to remove the following info from my credit report. I am a victim of identity theft and did not authorize these charges. I've already reported the theft to the federal trade commission 's identity theft affidavit. I would appreciate it very much as soon as possible because it's a burden for me, I would like to leverage my credit and progress my financial lifestyle as soon as I'm able to remove these fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 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: PA

Complaint narrative:
I am inquiring to remove the following info from my credit report. I am a victim of identity theft and did not authorize these charges. I've already reported the theft to the federal trade commission 's identity theft affidavit. I would appreciate it very much as soon as possible because it's a burden for me, I would like to leverage my credit and progress my financial lifestyle as soon as I'm able to remove these fraudulent accounts.

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 2022-03-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have paid the balance on my card, and after doing so, the balance is over paid. The card is being blocked from use for internet purchases. It has also been blocked when trying to use it at the gas pump.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have attempted to request my credit report from Equifax, as is my lawful right. First, the webpage only offers pay for service subscriptions, without any notification that the consumer is entitled to receive their report from Equifax for free. The place to request your report is well hidden behind multiple walls. 
Then you are required to join their myequifax and consent to illegal terms and conditions for requesting a report. I attempted to call their customer service during their stated normal business hours, and was given an option to purchase the paid subscription or request my report online. After several menus and just holding and not pressing an option, I was told I was being put through to a representative. After a long hold time, I was informed I would have to call back during normal business hours. My call was already during their normal business hours. 
Equifax has committed multiple violations of the FCRA including, but not limited to the following : 612. Charges for certain disclosures [ 15 U.S.C. 1681j ] ( g ) ( 1 ) Failure to include the AnnualCreditReport.com pursuant to section 205 ( b ) of the Credit CARD Act of 2009 615. Requirements on users of consumer reports [ 15 U.S.C. 1681m ] 610 ( a ) ( 1 ) [ 1681h ], Every consumer reporting agency shall, upon request, and subject to clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request Bureau Summary of Rights Required ( A ) In general. The Bureau shall prepare a model summary of the rights of consumers under this title.

( B ) Content of summary. The summary of rights prepared under subparagraph ( A ) shall include a description of ( i ) the right of a consumer to obtain a copy of a consumer report under subsection ( a ) from each consumer reporting agency ; ( ii ) the frequency and circumstances under which a consumer is entitled to receive a consumer report without charge under section 612 ; ( iii ) the right of a consumer to dispute information in the file of the consumer under section 611 ; ( iv ) the right of a consumer to obtain a credit score from a consumer reporting agency, and a description of how to obtain a credit score ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 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: Time Investment Corporation
State: NC

Complaint narrative:
On XX/XX/2022 I sent a request to Time Financing services regarding a derogatory tradeline being listed on my credit report. It has been over 30 days since my dispute was received, and they have yet to send me any proof validating that I owe the debt. Not only did they not respond within the legal timeframe, they also did not mark the derogatory tradeline as disputed pursuant to the FCRA. 

Not only are they in violation of the FCRA and the FDCPA, but they are also in violation of the North Carolina General Statute Article 70 regarding debt collections. the NORTH CAROLINA DEBT COLLECTION ACT, NC.GENERAL STATUTE.CODE 58-70-01 et seq. which prohibits a debt collector or credit bureau from engaging in debt collection in North Carolina unless the debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State.

The NORTH CAROLINA DEBT COLLECTION ACT ( NCDCA ) defines a debt collector as any person who directly or indirectly engages in debt collection and further applies to creditors attempting to collect their own debts. NC. GENERAL.STATUTE. CODE 58.70-15 ( b ). Furthermore, NC. GENERAL.STATUTE.58-70-01 states that a person, firm, corporation or association conducting or operating a collection agency without the permit shall be guilty of a class I felony. 

I am writing to advise you that Time Financing Services are in violation of NORTH CAROLINA DEBT COLLECTION ACT, NC. GENERAL.STATUTE.CODE 58-70-01 et seq. as well as the DECEPTIVE TRADE PRACTICES-CONSUMER PROTECTION ACT, SUBCHAPTER E. 

They must immediately delete the negative tradeline from my credit report due to their violation of local and federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX and XXXX, XXXX & XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-03-19 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX and XXXX, XXXX & XXXX Accounts XXXX, XXXX XXXX, XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Text from wells Fargo giving me a code for XXXX  I didn't request and the link to report it didn't work. XX/XX/2022 @ XXXX. I don't have an account with them.

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 2022-03-19 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:
It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the items nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged 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 showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible.

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 2022-03-19 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
My vehicle was illegally repossessed the day after I made my payment and brought the account current. I communicated with the business that I was sending the payment, but my vehicle was repossessed anyway. The lender immediately released the vehicle, but I was still charged the repossession fees and my credit report shows the vehicle was repossessed. The lender justified this by stating that their systems are not connected so they could not stop the repossession after the payment was made. I fail to see how errors on their end are my liability. I have attempted to log in to get a copy of the transaction records which show the payment posted the day before the repossession, but the business has since locked me out of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Glasser and Glasser, PLC
State: VA

Complaint narrative:
Glasser and Glasser of XXXX, Virginia have come for the debt several times. Glasser and Glasser took action to have my wages garnished ( Warrant Debt ) Case # XXXX in through XXXX XXXX General District Court started in XXXX. I called and set-up a payment plan making monthly payments with them for XXXX. I missed one payment which I doubled on XX/XX/XXXX for XXXX. Again, on XXXX XXXX, XXXX they went to garnish my wages, now I was still making payments to them until XXXX XXXX, XXXX. The company I work for denied their request. 

I haven't heard from Glasser and Glasser until today, XX/XX/XXXX ... asking me to make payments again. When will the harassment stop with the company about a debt that has been charged-off by XXXX XXXX. They purchased this debt back in XXXX. It's been six years since then. Please note that my account with XXXX XXXX has been removed from my credit report. 
My name is XXXX XXXX at the time of the debt it was XXXX XXXX XXXX XXXX 

If they can restart collecting debt again after 5 years when will the harassment stop for the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I sold an item and was scammed by the buyer. The buyer filed a complaint thru paypal that the package was destroyed and the item was missing. I called USPS and they said the package was delivered in good condition. I provided paypal with the USPS case number but they still ruled in favor of buyer. Paypal charged me {$90.00} refund fee and a {$15.00} dispute fee. Now I have a negative paypal balance of {$100.00} in my account. I called them again that decision is wrong but still say buyer provided proof. I think my proof is more believable because USPS said that the package was in good condition therefore the buyer destroyed it and took the item bit made false claims that package was recieved destroyed and item missing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: DISCOVER BANK
State: WA

Complaint narrative:
Good Morning, Discover has violated the FAIR DEBT COLLECTION PRACTICES ACT. 

Pursuant to 15 U.S. Code 1692b ( 5 ) a debt collector shall not use any language or " SYMBOL '' on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; Discover has violated the FAIR DEBT COLLECTION PRACTICES ACT by using their " SYMBOL '' in the attached email.

Pursuant to 15 U.S. Code 1692d ( 2 ) a debt collector shall not use obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. Discover violated the FAIR DEBT COLLECTION PRACTICES ACT by stating " this is an attempt to collect debt '' in the attached email. 

For these violations Discover is liable to me for {$XXXX} pursuant to 15 U.S. Code 1692k ( a )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I have tried for 3 days this past month to pay my credit card via -- online account -- Smartphone app -- telephone -- HSBC chat help via phone app and online account I am attaching the only error screen that is available to me, when I try to make the payment online. The problem is not with any of my devices, the credit card iself, or the payment bank account, as all these have been successfully used elsewhere during this time. 

I am currently on the phone for over 2 hrs 15 minutes, waiting for help. 

My due date is approaching, and this is my last chance- I do not have hours to spend on this. There is a problem with the HSBC system, where the methods I have used for the past year or so are no longer working. The only help I have received is form a chat representative who told me that the " system was being updated '', and from a phone representative, after an hour or so, saying that the " manager hours and over ''. 

As soon as I can pay off this minor amount, I plan to cancel the credit card.But I would like some record of my good faith payment tries, if I am unable to pay.

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 2022-03-19 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:
My vehicle was illegally repossessed the day after I made my payment and brought the account current. I communicated with the business that I was sending the payment, but my vehicle was repossessed anyway. The lender immediately released the vehicle, but I was still charged the repossession fees and my credit report shows the vehicle was repossessed. The lender justified this by stating that their systems are not connected so they could not stop the repossession after the payment was made. I fail to see how errors on their end are my liability. I have attempted to log in to get a copy of the transaction records which show the payment posted the day before the repossession, but the business has since locked me out of my account.

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 2022-03-19 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
On XX/XX/2022 I sent Experian a certified letter disputing the validity of the XX/XX/XXXXthey are reporting on my credit report. They responded with a letter stating it was verified through a data furnisher. 

I have asked Experian to provide me with the validation methods multiple times only for them to respond back with it was verified through a data furnisher. 

I have informed them that thisXX/XX/XXXX has already been removed from other credit reporting agencies and if they can not validate the debt with the original creditor it should be promptly deleted. 

This has cost me thousand of dollars in interest and caused undue burden. 

This needs to be deleted immediately from my credit report if it can not be verified within 30 days.

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 2022-03-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently submitted a request for an investigation of the disputed accounts, which you claimed was verified. Since I believed you didnt properly investigate my dispute, I contacted the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. Your records show that it was incorrect. 

XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$210.00} It seems that the following information reported is incorrect : account number, payment status, and date open. Please check the Payment History information of this account. The late history shouldn't be showing lates because I believe I paid on time. Please adjust the late payments from this account. Get it right immediately ; evaluate this reporting by revising the information provided. Modify and perform any corrections and update this from my file. Thank you. 

XXXX  XXXX Date opened XX/XX/XXXX XXXX {$3900.00} There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Please update for lawful accuracy. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 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:
I recently submitted a request for an investigation of the disputed account, which you claimed was verified. Since I believed you didnt properly investigate my dispute, I contacted the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. Your records show that it was incorrect. 

XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/2020 Balance {$210.00} It seems that the following information reported is incorrect : account number, payment status, and date open. Please check the Payment History information of this account. The late history shouldn't be showing lates because I believe I paid on time. Please adjust the late payments from this account. Get it right immediately ; evaluate this reporting by revising the information provided. Modify and perform any corrections and update this from my file. Thank you.

Company response to consumer: Closed with explanation