vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Independent Recovery Resources, Inc.
State: PA

Complaint narrative:
I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I disputed the fraudulent information from my credit report. 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 have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: AZ

Complaint narrative:
I've had ID theft issues for years and on XX/XX/2019 I received a bill from a XXXX XXXX trying to collect for a XXXX  XXXX XXXX acct witch I had never used before. I called and submitted information to verify that this in fact was not mine but the company decided to sell my acct to another collector. I now show a new collection for this same acct with Sequim Asset Solutions. 1 ) Sequium Asset Solutions for {$1000.00} it looks like the original creditor was XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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: GA

Complaint narrative:
All three credit bureaus are illegally publishing an unverified Bankruptcy on my credit file.

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 2021-07-21 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: GA

Complaint narrative:
All three credit bureaus are illegally publishing an unverified Bankruptcy on my credit file.

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 2021-07-21 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: PA

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, are not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX XXXX/CITIBANK LOST MY PAYMENT DEMAND DRAFT XXXX PAYABLE TO XXXX XXXX DATED XX/XX/2015 {$20000.00} APPLIED AN UNKNOWN, WRONG AND INSUFFICIENTLY FUNDED DEMAND DRAFT - FALSELY ACCUSED BEING DELINQUENTCHARGED MY ACCOUNT LATE FEES, PENALTIES, INTEREST CHARGES. RESULTS SERIOUSLY DAMAGED NEGATIVE CREDIT WORTHINESS, FINANCIAL SECURITY AND PHYSICAL AND MENTAL WELL-BEING. SIX YEARS LONG STRUGGLE TO GET COOPERATION IN CORRECTING NEGLIGENT MISTAKE, NUMEROUS CERTITIED LETTERS XXXX XXXX/CITIBANK HAD GIVEN ME RUNAROUND DESPITE ALERTED THEM OF THE MISTAKE WHICH SHOULD HAVE CORRECTED YEARS AGO FALSE CLAIM OF DEBT AND INTERNAL RECOVERY FORM 1099-C AMOUNT OF {$3900.00}.

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 2021-07-21 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: PA

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, are not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX/XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX/XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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: NH

Complaint narrative:
Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
A company by the name of XXXX XXXX has 4 accounts in collections from XXXX XXXX XXXX on my consumer report. These accounts are dated from 2017, however, I have a current relationship with XXXX today. The accounts are listed as {$110.00}, {$94.00}, {$410.00}, {$110.00} I have never done business nor do I have a contract with XXXX XXXX, this debt is not valid or verified pursuant to FDCPA 15 USC 1692g. 

It is also an invasion of my privacy pursuant FCRA 15 USC 1681c ( 6 ). I do not recall being contacted by the orignial creditor nor XXXX XXXX once the alleged debt was purchased.

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 2021-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
USAA received a request from XXXX  XXXX XXXX to provide them a Hold Harmless Agreement or Indemnity Agreement so they can legally transfer my funds back to my account. It has been over a month since XXXX  XXXX XXXX requested this from USAA and they still complete and turned form in to XXXX XXXX XXXX. XXXX XXXX XXXX informed me today the longer my bank takes to complete form the higher the possibility for the scammer to remove my funds. 

My Bank ( USAA ) has sent multiple recall requests and XXXX  XXXX XXXX still hasn't respond the recall. XXXX XXXX XXXX of XXXX XXXX XXXX did a Wire fraud scam impersonating XXXX XXXX XXXX an real estate investor and committing a federal scam. Scamming me out of a total of {$9000.00}. My bank USAA requested numerous of times to XXXX XXXX XXXX along with the police report the circumstance and and XXXX  XXXX XXXX refused to their further investigation to give me my funds back. This scam of {$9000.00} has put me in a bind financially with the owner of the property and financially. I met XXXX XXXX XXXX late XXXX at Real Estate Investor convention in XXXX. We talked briefly about future Real Estate deal and agreed to work together. He reached out to me via email and chatted about him lending me a Real Estate Investing Loan for a property I was acquiring. XXXX is a Real Estate Investor with his company XXXX XXXX XXXX XXXX. After exchanging numerous emails and signing contracts, He agreed to dispersed funding of {$800000.00} once I pay the the {$8000.00} origination fee and a {$1000.00} Payment Protection Insurance fee. Once I wired the transfer to unknown individual ( XXXX XXXX XXXX ) from XXXX  XXXX XXXX, XXXX XXXX XXXX completely disappeared. No email response, phone call etc. I have email, wire confirmations, His LinkedIn, and XXXX XXXX XXXX XXXX  XXXX XXXX information ( routing and account no. ) I filed wired fraud investigation with my bank USAA and filed a police report. I have all documentation needed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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: AZ

Complaint narrative:
I requested a credit report from TransUnion, and it arrived in an unsealed envelope on XX/XX/XXXX, though I did not discover the envelope 's status until XX/XX/XXXX. I called TransUnion on XX/XX/XXXX to complain, as TransUnion 's return address was visible from the exterior of the envelope and would have alerted unauthorized others about the envelope 's contents. The security of my confidential information was breached. 

The TransUnion representative I spoke with put me on hold and came back to say that I should contact the United States Postal Service, as TransUnion provides documents to the USPS for envelope stuffing and mailing. I certainly hope that conversation was recorded. I went back and forth with the representative about the accuracy of her statement, and the call was disconnected for unknown reasons. 

On XX/XX/XXXX I initiated an investigation with the USPS regarding TransUnion 's claim. On XX/XX/XXXX I received an email from the USPS stating that the USPS does not stuff envelopes for companies. 

On XX/XX/XXXX, at the recommendation of a CFPB representative, I mailed a written complaint to TransUnion. I sent this certified so that I could track its receipt. On XX/XX/XXXX I received a response from TransUnion. It was a generic letter indicating that I had filled out their complaint form improperly or illegibly. 

In the meantime, I spoke with an attorney on XX/XX/XXXX who suggested that I request a new credit report each week through XX/XX/XXXX. Given that the online submission process through XXXXXXXX XXXX XXXX XXXXXXXX XXXX does not actually allow me to obtain my credit reports online, I've been sending my requests via certified mail. This is due to the confidential information on the request form. It costs {$7.00} to mail a certified letter. Some people can not afford to spend {$7.00} per week for approximately 42 weeks to monitor for indications of identity theft. It is ironic that some of the credit reports I have to request come from TransUnion, which is the company that caused this whole problem. 

I am asking for assistance in holding TransUnion accountable for neglecting to seal the envelope containing my confidential consumer and personal information. If a health care entity had failed to seal an envelope containing a person 's protected health information, that entity could be penalized by law. TransUnion neglected its duty to protect my data, then blamed the issue on the post office and disregarded my written complaint. I am left with the onerous task of protecting myself from identity theft, and it is costing me at least {$7.00} a week in addition to my time.

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 2021-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
this person called XXXX XXXX email me on XX/XX/XXXX, when I email him back I ask to take this debt out from my account because I never have an account with this company and I want to dispute it, so he told me that he can not do that from there wich is a lie because I know the fdcpa rules and I work in a collections area, and he was yelling at me 'how you never had an account with this company if I have your signature and everything and he told me that I need to pay it I ask him for the XXXX XXXX phone # and he told me that I don't need to speak with them because this account is in collections already so I ask for his manager name is XXXX XXXX and he spoke with me with the same attitude and telling me that he doesn't need to help me anymore and this person XXXX was the boss and I don't need to complain with him nothing and he hung up on me ... how a person is going to pay this people even if I had open this account with this poor customer service from a manager and his agents. this people need to be terminated how poor customer service they have if they want someone to pay with that attitude no one is going to pay that way

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 2021-07-21 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: TX

Complaint narrative:
I received fraud alerts that my equifax credit report was access by two companies. I reached out to equifax and was assured that the inquiries would be removed due to my fraud alerts and identity theft report i had on file. I was told to give Quifax 24-48 hours to remove the inquiries. 

Its been almost two weeks and the only thing Equifax did was send me a letter in the mail giving me the definition of what an Inquiry is. I know what an inquiry is and that is not why i called. 

Inquiry - XX/XX/21 - XXXX  Inquiry - XX/XX/XXXX- XXXX XXXX XXXX XXXX XXXX 

Equifax did not address the issue and left the inquiry as it stands and Equifax did not remove it. I have not applied for credit with those companies and both companies assured my that no new accounts were added as the inquiry was the result of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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: NY

Complaint narrative:
i got denied credit and an opportunity after a credit check so i pulled my credit report to see why when i did i noticed that i have a bankruptcy reporting on my credit report so i reached out to the court listed on the bankruptcy they weren't able to verify that there has been a bankruptcy filed in my name they also let me know that they do not report anything to the credit bureaus so i am curious how the bureaus verified and validated that the bankruptcy does in fact belong to me. XXXX has already removed this inaccurate information from their records. I want a notarized letter or affidavit swearing under the perjury of oath that this bankruptcy does in fact belong to me i have been trying to get this issue resolved for months you are reporting inaccurate information, and you ae violating my rights to privacy as a federally protected consumer, I demand this inaccurate information be deleted from my consumer reports within 4 days of receipt of this complaint I have recently studied constitutional consumer protection laws along with civil/federal court procedures. I will represent myself pro-se and will formally request a jury trial.

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 2021-07-21 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: NY

Complaint narrative:
i got denied credit and an opportunity after a credit check so i pulled my credit report to see why when i did i noticed that i have a bankruptcy reporting on my credit report so i reached out to the court listed on the bankruptcy they weren't able to verify that there has been a bankruptcy filed in my name they also let me know that they do not report anything to the credit bureaus so i am curious how the bureaus verified and validated that the bankruptcy does in fact belong to me. XXXX has already removed this inaccurate information from their records. I want a notarized letter or affidavit swearing under the perjury of oath that this bankruptcy does in fact belong to me i have been trying to get this issue resolved for months you are reporting inaccurate information, and you ae violating my rights to privacy as a federally protected consumer, I demand this inaccurate information be deleted from my consumer reports within 4 days of receipt of this complaint I have recently studied constitutional consumer protection laws along with civil/federal court procedures. I will represent myself pro-se and will formally request a jury trial.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
During COVID pandemic in 2019, I contacted CapitalOne to settle balance due to lack of work and no funding to cover full amount. Capital One responded it was not interested in any partial payment. It Continues billing me despite my request to close out the said account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LDF Holdings, LLC
State: CA

Complaint narrative:
At XXXX XXXX  PST a " collector '' reached out from a XXXX XXXX XXXX XXXX number ( which is probably an automated number ) and said he was with a Lend Green and they are a debt collector. This was obviously a lie because Lendgreen is a high-interest predatory lender and not a debt collector. He then said I had a loan and made four payments on a loan I have NEVER had with a company I have NEVER done business with. Then he hung up on me. He tried to verify some info on the phone which was outdated or incomplete personal info. He must have obtained my info from other debts and/or faulty security practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have never been late on my account before and missed a payment for XXXX and was assessed the late fee I spoke with Customer Care and their supervisor yet none of them applied a courtesy late fee waiver

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: PA

Complaint narrative:
I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I decided to look at my credit reports from the 3 major credit bureaus and found that this ERC ( Original Creditor : XXXX XXXX ) was reporting to be negative on XXXXn and XXXX. I have disputed the fraudulent information from my credit report. 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 have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Account Name : XXXX/XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/2017 Balance : XXXX Reason : Identity theft Please remove it from my credit report. 


Account Name : CAPITAL ONE BANK USA N Account Number : XXXX Date Opened : XX/XX/2017 Balance : XXXX Reason : Identity theft Please remove it from my credit report.

Company response to consumer: Closed with explanation