vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-22 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: GA

Complaint narrative:
I seen an auto loan that reappeared with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX from XXXX on my Equifax credit report that was disputed and removed back in XXXX. The debt is reporting as negative with lates and this account does not belong to me. This debt needs to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22 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: Santander Consumer USA Holdings Inc.
State: NV

Complaint narrative:
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
There are two companies who tried to access my credit neither of which I know. The first apparently on XX/XX/XXXX through XX/XX/XXXX, and I am not sure what the ongoing dates mean. The company name is XXXX XXXX. I found their inquiry on my XXXX  crediting monitoring site recently. There is no contact information available for the company. 
The second company who attempted to access my credit is Synchrony Bank for Dicks Sporting Goods. There is no reason why an attempt should have been made by this bank to access my credit. I did not apply for a credit card nor do I shop in their stores or online if they even have an online site. 
Given that I am a victim of ID theft in the past, I have a freeze on my credit so I am assuming no harm has been done to me and my credit is still in excellent standing. I would however like to know why each of the companies tried to access my credit and if there is anything further I should know about this activity. 
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 non-monetary relief
Consumer complaint received 2020-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC
State: CT

Complaint narrative:
There are two companies who tried to access my credit neither of which I know. The first apparently on XX/XX/XXXX through XX/XX/XXXX, and I am not sure what the ongoing dates mean. The company name is Corelogic Credco. I found their inquiry on my XXXX  crediting monitoring site recently. There is no contact information available for the company. 
The second company who attempted to access my credit is XXXX XXXX for XXXX XXXX XXXX. There is no reason why an attempt should have been made by this bank to access my credit. I did not apply for a credit card nor do I shop in their stores or online if they even have an online site. 
Given that I am a victim of ID theft in the past, I have a freeze on my credit so I am assuming no harm has been done to me and my credit is still in excellent standing. I would however like to know why each of the companies tried to access my credit and if there is anything further I should know about this activity. 
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 2020-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Not my items reporting

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 2020-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Portfolio Recovery has reached out to me regarding a past due bill amount that they claimed to have took ownership of from XXXX XXXX previously owned by XXXX XXXX XXXX they told me that I owed a large amount of money which I disputed I asked the company to send out an itemized list of the purchases that I had made. Also a list of the interest fees, how did they accumulate to that amount. 
I have yet to receive any of the information I requested especially the information regarding the interest and the total amount that they were asking for they reported to the credit bureau, filed a complaint with the court system to sue me threaten me. Constant calls of harassment and I have been trying to work this company to resolve this debt. They have not provided enough information to show ownership of the account because there is another debt collection agency claiming to own this account also for a lesser amount of money that they are saying I owe on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MI

Complaint narrative:
I received correspondence from FCO in an attempt to collect a debt. Fco has  themselves listed as the creditor with no account information listed. Please be advised this is not a refusal to pay a debt, but a notice pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is required. 

I have no knowledge of this account or any knowledge of any contract with this institution. I request that you please verify the following information to assist identifying whether this debt is valid : 

1. Full original account number
2. Date original account opened
3. Any and all written agreement ( s ) between myself and the XXXX XXXX stating I agreed to pay alleged debt
3. Consumer address at which original account was opened
4. Date of first delinquency
5. Itemized calculation of alleged debt 6. Original signed contract between myself and this creditor, not a copy. 
7. A copy of all payments made with beginning and ending balances 8. original creditor.
 If FCO is unable to provide all of the above identifying account information I will have no recourse but to presume the debt invalid and/or  fraudulent and request account DELETION from ANY and all credit reporting agencies without further discussion of payment in full or partial settlement.

This is my attempt to verify the validity of this alleged debt and I appreciate your transparency and cooperation.

Please conduct all communication through written correspondence to the following email address ( s ) only : 
 Name : XXXX XXXX Email Address : XXXX Mailing : XXXX XXXX XXXX XXXX, XXXX MI, XXXX 


Absolutely no phone calls from fco in any manner other than permitted I will cease all communication ( invoking my legal right to request fco bureaus to cease communication ) with the presumption that the debt is invalid and that I own zero responsibility ( in part or whole ) for the repayment of said debt.

Thank you for your assistance.

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 2020-03-22 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: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Well I applied 4a American Egal credit card & u can either just get tht card er a card 4american egal & any where else which tht was the 1i was approved 4. They kept telling me I was lying then finally said have account so I changed password so I could sign in but I still cant sign all way in & havent recieved the card yet. This needs b addressed ASAP. Thanx 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 2020-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Second Round Limited Partnership, Austin, TX Branch
State: NY

Complaint narrative:
Im a victim of identity theft someone got my card and used it to buy stuff and now the company wants me to pay for it, when I first noticed it I called XXXX XXXX and told them they even canceled that card

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
I had XXXX, XXXX, XXXX totaling XXXX stolen from my bank account on Paypal and I tried to dispute the transactions with PayPal and they keep wrongly declining it saying that there wasnt any mistakes when there was mistakes

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: NJ

Complaint narrative:
In the midst of this COVID-19 outbreak. Discover Card/Discover Bank has conveniently decided to increase its late payment fee to {$40.00} dollars. Discover has done this knowing fully well that many persons will not be in a position to make there payments on time due to the economic effects of the COVID virus on them. 

Discover has done this to benefit itself. XXXX its customers to enrich itself in this time of social and economic peril.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22 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: NY

Complaint narrative:
Im a victim of identity theft someone got my card and used it to buy stuff and now the company wants me to pay for it when I first noticed the faurd I contacted XXXX XXXX right away and let them know.

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 2020-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CMI Group, Inc.
State: IL

Complaint narrative:
I received a letter ( post card actually ) from Credit Management L.P. at XXXX XXXX XXXX, XXXX XXXX, XXXX TX XXXX. Phone number XXXX. Reference # XXXX. They claim I owe {$850.00} to XXXX Internet Cable and Phone. 
I have never had an account with XXXX, nor is XXXX even available in my area.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
XXXX XXXX has reached out to me regarding a past due bill amount that they claimed to have took ownership of from comenity Bank previously owned by XXXX XXXX XXXX they told me that I owed a large amount of money which I disputed I asked the company to send out an itemized list of the purchases that I had made. Also a list of the interest fees, how did they accumulate to that amount. 
I have yet to receive any of the information I requested especially the information regarding the interest and the total amount that they were asking for they reported to the credit bureau, filed a complaint with the court system to sue me threaten me. Constant calls of harassment and I have been trying to work this company to resolve this debt. They have not provided enough information to show ownership of the account because there is another debt collection agency claiming to own this account also for a lesser amount of money that they are saying I owe on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22 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: NY

Complaint narrative:
Im a victim of identity theft someone got my card and used it to buy stuff and now the company wants me to pay for it when I first noticed the faurd I contacted XXXX XXXX right away and let them know.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22 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: NY

Complaint narrative:
Im a victim of identity theft someone got my card and used it to buy stuff and now the company wants me to pay for it when I first noticed the faurd I contacted XXXX XXXX right away and let them know.

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 2020-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I was wrongfully charged {$46.00} on XX/XX/2020 for XXXX when I was not using the service. I was not sent any email telling me that my free trial was ending. My account was already in the negatives when that charge was made so there was no reason for my bank, Chase, to let that charge to go though.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
See attatched XX/XX/XXXX STATEMENT. Ms XXXX of executive resolution dept confirms ALL HIDDEN INTERNAL CALCULATIONS ARE CORRECT BUT STATEMENT READS DIFFERENTLY. 
My calculations BASED ON STATEMENT XX/XX/XXXX.OF THE {$2.00}, XXXX OTHER CREDITS {$1.00}, XXXX WERE REVERSED CREDITS ** THAT RESULTED IN NEW PURCHASES UNAUTHORIZED {$340.00} XX/XX/XXXX {$470.00} ADJUSTMENT TEMPORARY CREDITS OF XX/XX/XXXX ARE NEW PURCHASES BACK ON CARD XXXX DISPUTES NOT IN MY FAVOR ARE NOT NEW PURCHASES see attatched statement XX/XX/XXXX.total $ XXXX.and then {$12.00} {$110.00} {$170.00} XXXX NOT NEW PURCHASE {$75.00} REVERSALS TOO {$200.00} XX/XX/XXXX {$280.00} XX/XX/XXXX ARE ** NOT NEW PURCHASES AUTHORIZED BY ME. EITHER. THEY TOTAL {$1.00}, XXXX ARE NOT NEW PURCHASES. see attatched OTHER CREDITS {$2.00}, XXXX MY CALCULATIONS BASED ON THIS STATEMENT ARE : BAL {$1.00}, XXXX - MINUS {$2.00}, XXXX OTHER CREDITS = -MINUS - {$1.00}, XXXX + REAL NEW PURCHASES I AUTHORIZED {$910.00} = BALANCE OF MINUS - {$600.00}. USAA CALCULATIONS BALANCE IS + {$960.00}??? BIG DIFFERENCE.??? WHY???

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22 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: NJ

Complaint narrative:
After requesting valid documentations about 12 HARD INQUIRIES ON MY CREDIT REPORT, I notice that TransUnion credit report agency violate my rights and section # 604 and # 609 on the FCRA, not providing me with any valid and legit documentation and maybe using the E-OSCAR system in my dispute. " E-OSCAR SYSTEM '' IS AUTOMATIC VERYFING AN ACCOUNT AS LEGIT WITH OUT MAKING A FULL INVESTIGATION AND NOT CONTACTING THE CREDITORS TO OPTAIN VALID DOCUMENTATION

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 2020-03-22 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: FL

Complaint narrative:
TransUnion ( File # XXXX ) I received Investigation Results from TransUnion dated XX/XX/2020 in response to a Public Record Dispute I submitted in XX/XX/2020. TransUnions results list the Public Record as VERIFIED AS ACCURATE, which I know to be false and unsubstantiated. I have a letter from the US Bankruptcy Court NJ confirming they do NOT provide verification to any entities ( attached ). Furthermore, I also disputed the Public Record with XXXX with the evidence/supporting documentation I received from the Bankruptcy Court and XXXX has since DELETED the Public Record from my data report ( letter attached ). TransUnion, XXXX, and other consumer reporting agencies look to XXXX for verification and, despite this, TransUnion insists this item was verified. And, this is not the first time Ive disputed this particular issue. 
XXXX XXXX ( Confirmation # XXXX ) I  received Investigation Results from XXXX  dated XX/XX/2020. XXXX  mentions on their Web site that Public Records are verified by a third-party vendor, XXXX. XXXX has DELETED the Public Record from my consumer data report ( letter attached ). I submitted this proof to XXXX  and asked that they do the sameDELETE the Public Record from my Consumer Report.

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 2020-03-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Nationwide Recovery Systems, Ltd
State: DE

Complaint narrative:
I recently joined XXXX XXXX to check my credit, which then brought me to collections with XXXX  and XXXX. I then went to XXXX  to dispute three collections, all three of which are over a year old. I was never informed in writing previously that I owed any amount to Nationwide Inc for XXXX collections, so I was confused to see {$130.00}, {$100.00}, and {$80.00} collections I'd never seen. The disputes through XXXX  were filed XX/XX/20.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22 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: AZ

Complaint narrative:
Hi, I submitted a request for multiple accounts to be investigated on my Experian credit report. Experian will come back and say the account has been verified. I would have no issue with this if items were properly investigated. I have attached multiple account statements I have received from collection accounts saying they verified my account with these statements. 

These statements I have received tells me Experian has not investigated properly. Anyone can make a Statement saying I owe money its not the original signed consumer contract. 

I expect the accounts I have attached to be deleted and I also expect all my other accounts to be re-investigated properly and validated. 


According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below.

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