vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-23 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: OH

Complaint narrative:
While checking my credit report I discovered unverifiedinformation. I believe under the Fair Debt CollectionsPractices Act., I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partiestorelease myinformation toathirdparty. 
1.Please provide a breakdown of fees including any collection costs and charges, 2. a copy of my signature with the provider of service to release my informationto you and 3 3.Cease any credit bureau reporting until debt has been validated by me and send this information to my address listed above and accept this formal complaintasmy formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any provider can beperceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seekdamagesfrom a collection agency. 
XXXX XXXX XXXX XXXX # XXXX 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 explanation
Consumer complaint received 2020-08-23 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: OH

Complaint narrative:
While checking my credit report I discovered unverifiedinformation. I believe under the Fair Debt CollectionsPractices Act., I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partiestorelease myinformation toathirdparty.

1.Please provide a breakdown of fees including any collection costs and charges, 2. a copy of my signature with the provider of service to release my informationto you and 3 3.Cease any credit bureau reporting until debt has been validated by me and send this information to my address listed above and accept this formal complaintasmy formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any provider can beperceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seekdamagesfrom a collection agency. 
XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
While checking my credit report I discovered unverifiedinformation. I believe under the Fair Debt CollectionsPractices Act., I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partiestorelease myinformation toathirdparty.

1.Please provide a breakdown of fees including any collection costs and charges, 2. a copy of my signature with the provider of service to release my informationto you and 3 3.Cease any credit bureau reporting until debt has been validated by me and send this information to my address listed above and accept this formal complaintasmy formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any provider can beperceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seekdamagesfrom a collection agency. 
XXXX XXXX XXXX XXXX # XXXX 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 explanation
Consumer complaint received 2020-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Love, Beal & Nixon, P.C.
State: OK

Complaint narrative:
Want to know why XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, Oklahoma XXXX made 2 Hard Inquiries to Credit Bureaus on XX/XX/2020, and XX/XX/2020, for Employment when I have never applied for Employment with them? Also want to know why they were allowed to make 2 Hard Inquiries in a 1 week period of time making unnecessary Hard Inquiries to my Credit Records.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Litigation is now over and settled. Seeking all bank statements since the account opened in 2013.

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 2020-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MO

Complaint narrative:
On XX/XX/ a person hacked " XXXX XXXX '' XXXX profile to use as a Scam/ Phising. I was lead to believe that this was the persons page but come to realize that it was a SCAMMER. I need a refund on 3 separate transactions of {$50.00} that totaled to {$150.00}. I was lead to believe i was getting assistance in Bitcoin purchasing and services/goods rendered back by a XXXX Friend of Mine from HighSchool & more, But i was, SCAMMED by this name ... '' ( $ XXXX  ) is the Scammer 's, CashTag on CashApp ( SqaureInc. ) Real Name : XXXX XXXX. ( $ XXXX  ) I need my transactions refunded, i tried asking for a refund request but the Scam person blocked my actions on CashApp/SquareInc. 

I need to speak with a CashApp/Square Inc. Representative or Corporate on these transactions. I have Web Receipts for all transactions for proof & evidence. 
PLEASE CONTACT ME ASAP XXXX ( MR.XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: KY

Complaint narrative:
I opened the online banking account with Chime, out of nowhere they closed my account. I have sent every documet they ask for in order to get my refund back. They keep saying I violated their agreements and hold the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 2020-08-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-23 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: DISCOVER BANK
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I submitted method of verification letters dated XX/XX/2020 to each credit reporting agency ( Equifax, XXXX, and XXXX  ) regarding XXXX/XXXX  after they stated it was verified/accurate, but I never got a response from any of the CRAs. I have disputed this inaccurately reported item several times and I dont think they are investigating this issue at all. They are only sending an auto response just to satisfy an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have a capital one card, I have never paid my bill late and my credit score is very good, despite all of this CapitalOne recently lowered my credit limit for " not using my card enough '' I do use the card and pay the bill in full every month, when I tried to email them they do not have an email address for customer 's to contact them, I ended up calling and waiting 1 hour on hold for someone to assist, when I spoke to someone they told me my credit limit was lowered for lack of use, are they not making enough money on me because I pay my balance in full every month? This is disheartening on many levels and It seems like they shouldn't be allowed to get away with this as this has a negative impact on my credit score because I now have less credit limit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 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: IL

Complaint narrative:
FILED FTC REPORT WITH COMPANIES AND THE CREDIT REPORTING AGENCIES THEY CLOSED THE ACCOUNTS BUT DID NOT REMOVE FROM CREDIT REPORTS THE ACCOUNTS ARE / US BKPT CT IL XXXX REFERENCE # XXXX US BKPT CT IL XXXX REFERENCE XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2020-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
On XX/XX/2020 I received a letter via XXXX from Midland Credit Management regarding a XXXX XXXX XXXX  XXXX XXXX '' XXXX XXXX  Mastercard. On Monday, XX/XX/2020 I contacted Midland Credit Management via landline at XXXX to inquire about the threatening and intimidating letter that was mail to my residence. Upon speaking with a representative from Midland Credit Management I referenced the statement in the letter that stated " your validation rights as described in our previous letter to you '' I informed MIdland Credit Management that I did not have a contract with them and that I had never heard of them before and nor did I have an other communications from them regarding this matter. I was then put on hold for several minutes only to be told that they had purchased my account from XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Mastercard. When I asked for how much they refuse to disclose that information and threatened to sue me if I did not pay them what they were demanding. I continue to ask them for documentation regarding the validity of the debt yet they refused and said they had already sent that information of which I continued telling them that I did not have any correspondence form them. The letter that Midland Credit Management sent to my residence on XX/XX/2020 was dated XX/XX/2020. The language in the letter was threatening and very intimidating. I don't understand how someone that I have never contracted with nor did business with is able to have my financial information for the sole purpose of extorting monies form me with the threat of suit. These actions sound criminal in nature and should not persist. I do not owe Midland Credit Management any money as I have never contracted with them and did not do any business what so ever with them. On Wednesday, XX/XX/2020 I received a call from an obscure number and when I answered the phone it was someone form Midland Credit Management harassing me and demanding payment, when I asked for validation of the claim they hung up the telephone. I should not be subjected to such invasions of privacy in my owe home where I have the right to be secure.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-23 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 2020-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I submitted method of verification letters dated XX/XX/2020 to each credit reporting agency ( XXXX, XXXX, and TransUnion ) regarding XXXX/XXXX  after they stated it was verified/accurate, but I never got a response from any of the CRAs. I have disputed this inaccurately reported item several times and I dont think they are investigating this issue at all. They are only sending an auto response just to satisfy an investigation.

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 2020-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I submitted method of verification letters dated XX/XX/2020 to each credit reporting agency ( XXXX, Experian, and XXXX  ) regarding XXXX/XXXX  after they stated it was verified/accurate, but I never got a response from any of the CRAs. I have disputed this inaccurately reported item several times and I dont think they are investigating this issue at all. They are only sending an auto response just to satisfy an investigation.

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 2020-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eagle Accounts Group, Inc.
State: MD

Complaint narrative:
i recently obtain my credit report due to covid 19 and notice accounts i did not authorize

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 2020-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax especially and experian want take off third party collections even though the veteran administration pays for all medical bills. I was injured jn combat but went into coma and had no idea I was taken to XXXX XXXX XXXX. Before I got out of coma the hospitals contractors put my at va would pay for everything but they keep h bills in collections. I called XXXX XXXX XXXX out of Virginia would yell and hang up phone. They said they want cash and nothing else. I also told these two credit agencies they transferred medical information to XXXX XXXX  which is against hippa laws. It also took months for decision. Equifax has 25 collections for less then XXXX dollars. The bill for accident was in millions and i think this is also fraud. But they definitely gave XXXX XXXX XXXX my medical history. Also they want bill for these small amounts and want send me fcra section 611 and 625 back to show i even agreed to this. The problem us the credit agencies aren't following federal laws and listening to me for a year. I want these small amounts that veteran admin would pay off but they only want cash. They also got my medical records and that is state and federal law that the hospital or some how they got my records. Equifax and XXXX want rake this off my report but XXXX did and XXXX did 14 off but not 2 of them. I just want what is legally for credit agencies to do. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 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: MD

Complaint narrative:
i recently obtain a copy of my credit report due to covid and noticed accounts i did not authorize.

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