vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have XXXX XXXX on my credit report, but I have no no knowledge of this account. Please validate in detail and remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: CREDIT BUREAU OF FARMINGTON, INC
State: NM

Complaint narrative:
CBF Services is reporting collection accounts on my credit file that need to be removed. I recently took a look at my credit and noticed a few collections reporting on my file. I however, never received any calls or notices about this debt. This violates my 30 day right to dispute under both the FCRA and the FDCPA. Since it is now reporting on my credit regardless, I ask that they provide validation. This is not a request for verification of the debt but validation that I have any legal obligation to pay CBF Services. Reporting invalidated debt to any of the three major credit bureaus can constitute fraud under both federal and state laws. If any negative mark continues to report on my credit I will not hesitate in bringing legal action for violation of the FDCPA. During this validation period all credit reporting should cease and desist. If validation can not be made within 30 days, all references to accounts must be completely removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Consumer Adjustment Company Incorporated
State: FL

Complaint narrative:
On XX/XX/XXXX, Consumer Adjustment Co. reported this account as " collection ''. At this point I had received nothing in writing from this company. On XX/XX/XXXX, I sent a request for validation pursuant to 15 USC 1692g. This letter was sent certified mail and received on XX/XX/XXXX. After consumer Adjustment Co received my request they sent me an offer to settle ( dated XX/XX/XXXX ). On XX/XX/XXXX i received another letter from Consumer Adjustment Co. to this date, I have not received any validation of the debt. Also, Consumer Adjustment Co. is not the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: SC

Complaint narrative:
Ive been seeking validation for derogatory items reported to my credit report since the XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
On XX/XX/2021 scammers took over my cell phone through XXXX XXXX pretending to be XXXX XXXX XXXX. They opened an account with Zelle  and tried to transfer {$500.00} from my checking account. They were trying to buy bitcoin from XXXX. Fortunately payment was unsuccessful. But I tried to contact Zelle  through first XXXX XXXX and then directly to Zelle  customer service on XX/XX/2021. I was attempting to get any and all accounts associated with my name and XXXX XXXX accounts closed and deleted. One customer service tells me the other XXXXne has to do it. I just want my account closed with Zelle  because I dont want to use their services ever. And never did in the first place since it was opened fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
On XX/XX/2021, I ordered my free annual credit reports from all three credit bureaus ( XXXX, TransUnion, and XXXX  ). The automated system verified my information, and it stated that I would receive my reports within 15 days. By XX/XX/2021, I had not received my reports. As a result, I filed a complaint with this organization against ALL THREE CREDIT BUREAUS ; however, this organization sent the complaint to XXXX, but it was not sent to the other two bureaus. It is a violation of the law for your organization to interfere ( or allow someone else to interfere ) with the very process you were established to protect! With that said, I am re-filing this complaint, and I expect your cooperation in sending it out to ALL THREE CREDIT BUREAUSexpeditiously and simultaneously. Additionally, when I called the phone numbers provided for all three bureaus to inquire about my reports, they were not truthful, and there were technological issues present at all three bureaus. The technological issues prevented me from ordering my reports.

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 2021-06-23 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I have now submitted all necessary documents including new evidence via mail and now electronically here in connection to Identity Theft on this account reporting on my credit file. I have been professionally advised by my legal team that given this new evidence of the crime this is in blatant violation of FCRA law specifically section 605B of the FCRA. I have hired a private investigative team and legal counsel and have been supplied us with new evidence regarding this crime including fraudulent addresses and suspect information that I have since updated on official legal documents in connection to this crime, including updated FTC Identity Theft report. Please note that I've had to have new GOV Identification issued due to the compromised identity and have been advised professional that due to the crime I have legal binding rights to pursue this to the fullest extent possible. Additionally, I'm awaiting further action and evidence to pursue this as long as needed until rectified. The time, damages and monetary loss are being added up and will be all added in connection to this crime. Please update your records and stop reporting inaccurate information about a credit file that is not mine. 

I'm requesting that the following fraudulent items in connection to Identity Theft are removed immediately from my credit file pending further legal action : FRAUDULENT | IDENTITY THEFT | REMOVE FROM CREDIT FILE : 1. ADS/COMENITY/XXXX  VISA | COMENITY CAPITAL | XXXX XXXX Balance : {$4200.00} 2. Fraudulent address : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX 3. Fraudulent address : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: BARCLAYS BANK DELAWARE
State: TN

Complaint narrative:
I have received an alert from credit wise about a couple of address being reported to my credit profile by XXXX. The addresses were ; XXXX XXXXXXXX XXXX  XXXX XXXX, NY XXXX And XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Reported to my credit profile by XXXX on XXXX XX/XX/2021 and XXXX XX/XX/2021. 
I have never live or traveled to the above addresses. But Barclays Bank reported this address to my credit profile. When I tried to resolve this matter with the bank they kept asking me for the account information which I have no idea about. Previously by the complaint XXXX I was able to stop XXXX from intentionally reporting incorrect information on my credit profile. In the process I lost thousands of dollars because their reporting harm my reputation which led to extra expenses. They also scammed me {$120.00} out of my bank account. They werent willing to return my money or provide compensation for the harm they caused. Just because I dont have the financial muscle to fight them in the court of law. Now theyve gone the extra mile to cause more harm ( fraud ). Again by reporting incorrect information. If there is law and order out here XXXX has to stop ruining the life of a citizen. I call up on the federal and state authorities to stop this company from any further harm to the citizens of this country.

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 2021-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
on XX/XX/XXXX I received a notification from credit bureau that a collection has been opened on my credit profile. 
I never lived at that address where the debt collector is suggesting that I owe a balance on. Submitting all proof that I never lived at that address to be able to owe them money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: OR

Complaint narrative:
On XX/XX/XXXX I sent {$470.00} to XXXX XXXX using my Zelle mobile app. The transaction showed success and the amount was debited from my bank account at XXXX XXXX XXXX XXXX XXXX. However, on XX/XX/XXXX XXXX sent me a XXXX Zelle screenshot on her phone showing " We weren't able to send you money from XXXX XXXX ''. Since then I have been calling Zelle to find out why the transaction was cancelled and when I would get the funds refunded to my debit card. When I have called Zelle I have gotten various responses : talk to your bank, have XXXX talk to her bank ( XXXX ) ; Zelle settlement department will look into it and have your funds refunded. I have talked to my bank ( XXXX XXXX XXXX XXXX XXXX ) and XXXX has talked to her bank ( XXXX ) and we both received the same response from our banks that our banks have nothing to do with this cancellation. I have spoken to multiple Zelle customer service agents and they all seem to give me a different story. When I ask them to send me proof/email of our conversation, the customer service agent tells me that they do not have access to do so on their system but someone will get back to me in 24-48 hours. I have had to call back multiple times just to find out the status. Unfortunately, I always seem to be starting over with each call. Most recently I was given a case # XXXX by a supervisor. Prior to that the case # XXXX On XX/XX/2021 XXXX the Zelle agent said the refund will be released to my bank at XXXX same day. I didn't see the amount on my online bank, so I called Zelle back ( same case # ) and the agent told he will send another email to settlement team regarding why the payment has not posted. And this is will receive high priority. 
I did not receive the money in the account. So I called Zelle back. 

The Zelle agent said I was misinformed on the earliercall. He said XXXX will be the bank to issue the refund, not Zelle. XXXX hasinitiateda refund. XXXX Case number # XXXX via VISA.He said he was reading from the screen ... '' Feedback from XXXX. The payment was denied due to fraud risk action. '' He said I should check back in 24 hours since this item will receive high priority with the settlement team. 
XX/XX/2021 I called my bank, XXXX XXXX XXXX XXXX XXXX, and wastold there are no pending wire or deposit transactions intomy account. 
XX/XX/2021 I called Zelle and the agent indicated that the previous Zelle customer service agent misinformed me about the paymentto be posted on XX/XX/XXXX. The agent said he sent a message to the settlement team to prioritize my case number. I said to the rep that this is the same talking point I heard during my last 3 calls into Zelle. 
I stated to the rep that I will contact the CFPB if this is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have discussed with thecompany before about conflicting information on my credit report when it comes to a XXXX record. They placed a public record dated XX/XX/2018 on my credit report. The company had a XXXX record showing on my report dated XX/XX/2018. The XXXX record is not valid and I could not verify what equifax verified. The court, which is the provider of information think that equifax gets there information from a third party and agreed with me that, when it comes to verifiing information it needs to come from the courts. My report is not true due to the provider of information is not listed on my report. I have a old letter that states that they do not provide information to credit bureaus unless they request the proper way. When I talked to equifax they told me they get there information from a third party and they get their information from a public database which is not how a dispute should be resolved. FCRA says all information reported on a consumer 's report should installed based on the original provider of information being able to attach that information to the consumer using basic identifying information which maybe physical documents such as a court orders from the court with a stamp of a date to show the date it was verified by the court and if it was a company who is claiming debt is owed there should be no problem for equifax to obtain contracts with signatures on it. My problem is the information listed on my report is not the place I can contact for my concerns when equifax and the provider have conflicting information. Also they are not getting information from the provider of information and they are saying they are by putting the XXXX information on my report and they clearly are not the provider. According to fcra laws my report is protected by requiring equifax to get the information from the courts since they put the information in a public database and they are not doing so. The data can have several errors and I want my information correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Reached out multiple times explaining to trans union I as the consumer never gave consent to reporting any information according to 15 usc 1681 b ( 2 ) and explained that In addition to 15 usc 1681 b ( 2 ), 15 usc 1602 ( p ) trans unions reporting without my consent is considered unauthorized use of my credit card, social security number

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 2021-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX I depositwd {$4300.00} to my bank account. The ATM gave me a rwceipt to call an XXXX number. I did the next day and filed a claim. I was given my twmporary credit. As of today XX/XX/XXXX Chase bank is telling me that the investigators only fpund $ XXXX.My accou t is currently negative - $ 2000+ with all my autobills pending. And they dont want to help out. I have requested for xamera footage and further investigation. I called and even went in person to the branch where the ATM is located. And no help nor response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Personal information incorrect
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have a HELOC with Chase. Chase is reporting monthly payments are on time. Principle balance has been increasing. This is not an interest only loan. 

Below is the screenshot of the Chase website account history. 

{$63000.00} See details Opens dialog : Principal balance {$62000.00} Next payment due XX/XX/2021 Amount due {$280.00} Automatic payments Off |Set upAutomatic payments Available credit {$800.00}. 
Date Description Amount Balance XX/XX/2021 PAYMENT {$280.00} {$62000.00} XX/XX/2021 PAYMENT {$0.00} {$63000.00} XX/XX/2021 PAYMENT {$270.00} {$63000.00} XX/XX/2021 LATE CHARGE WAIVED {$25.00} {$63000.00} XX/XX/2021 LATE CHARGE ASSESSED {$25.00} {$63000.00} XXXX  XXXX, XXXX MISAPPLICATION REVERSAL {$270.00} {$63000.00} XXXX XXXXXXXX XXXX MISAPPLICATION REVERSAL {$1.00} {$63000.00} XXXX XXXXXXXX XXXX PRINCIPAL PAYMENT {$1.00} {$63000.00} XXXX XXXX, XXXX  PAYMENT {$270.00} {$63000.00} XXXX XXXX XXXX  PAYMENT {$1.00} {$63000.00} XXXX XXXX XXXX PAYMENT {$270.00} {$63000.00} XX/XX/2021 PAYMENT {$1.00} {$63000.00} XX/XX/2021 PAYMENT {$280.00} {$63000.00} XX/XX/2021 PAYMENT {$270.00} {$63000.00} XX/XX/2021 PAYMENT {$1.00} {$63000.00} XX/XX/2021 PAYMENT {$270.00} {$63000.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Frost-Arnett Company
State: TN

Complaint narrative:
On XX/XX/2021, I received a billing statement from Frost-Arnett Company stating I owed a debt. On XX/XX/2021 I mailed a debt validation letter to Frost-Arnett asking for the original contract, creditor, alleged account number. On XX/XX/2021 I received a letter from Frost-Arnett stating they had received the debt validation letter, but instead of presenting the original contract, they instead sent medical bills. On XX/XX/2021 I mailed Frost-Arnett yet a second letter asking for the original contract, original creditor, and alleged original account number. At this time I have not heard from them. On XX/XX/2021 I mailed Frost-Arnett a Cease and Desist letter, along with a copy of the letter with the violations listed/highlighted, and an invoice for the violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Law Offices of Robert J. Colclough, III
State: CA

Complaint narrative:
On XX/XX/2019 I contacted XXXX to rent a car for two days. The car I selected was a XXXX XXXX but when I arrived it was a XXXX XXXX not what I contracted. I took pictures of the car and had to take it because nothing else was left. When driving the check engine light kept coming on so I parked the car and contacted XXXX XXXXXXXX XXXX XXXX about the problem. They agreed to exchange the car for the XXXX I originally asked for at no charge. I took out the insurance on the car just incase something went wrong. After returning the car I checked my XXXX XXXX XXXX and saw they charged me {$870.00}. 
I also took out insurance on the car rented plus had XXXX insurance. 

I disputed the charges with XXXX XXXX and they removed excessive the Charges. XXXX XXXX XXXX  created a False Installment account and submitted it to the Credit Bureau. I disputed the charges and they were removed. They then resubmitted the amount two more times and I disputed there claim. Now they are calling me trying to collect on this account and have damaged my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have now submitted all necessary documents including new evidence via mail and now electronically here in connection to Identity Theft on this account reporting on my credit file. I have been professionally advised by my legal team that given this new evidence of the crime this is in blatant violation of FCRA law specifically section 605B of the FCRA. I have hired a private investigative team and legal counsel and have been supplied us with new evidence regarding this crime including fraudulent addresses and suspect information that I have since updated on official legal documents in connection to this crime, including updated FTC Identity Theft report. Please note that I've had to have new GOV Identification issued due to the compromised identity and have been advised professional that due to the crime I have legal binding rights to pursue this to the fullest extent possible. Additionally, I'm awaiting further action and evidence to pursue this as long as needed until rectified. The time, damages and monetary loss are being added up and will be all added in connection to this crime. Please update your records and stop reporting inaccurate information about a credit file that is not mine. 

I'm requesting that the following fraudulent items in connection to Identity Theft are removed immediately from my credit file pending further legal action : FRAUDULENT | IDENTITY THEFT | REMOVE FROM CREDIT FILE : 1. XXXX XXXX | XXXX XXXX | XXXX | Balance : {$4200.00} 2. Fraudulent address : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX 3. Fraudulent address : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX

Company response to consumer: Closed with explanation