vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-22 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021 Equifax received a letter requesting the " Method of Verification '' as I suspected that they utilized an electronic method known e-Oscar to verify the debt they say I owe. I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. The Method of Verification has not been received by listed companies. The ( 15 ) day period has been exceeded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Failed to respond to my disputes. I have been sending in disputes for 4 months, and I still have not gotten a response. The Credit Reporting Agencies are not following the law. My credit file is important to me. Please!!!

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 2021-09-22 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Failed to respond to my disputes. I have been sending in disputes for 4 months, and I still have not gotten a response. The Credit Reporting Agencies are not following the law. My credit file is important to me. Please!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: Summit AmeriFirst Holdings, Inc.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXXXXXX XXXX XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I applied for credit in this consumer credit transaction and somehow this transaction was turned into a loan. My credit card was used to pay for the property and Capital One Auto Finance did not disclose to me that this is an attempt to collect a debt. I do not owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: ZARVAD III S.A.
State: LA

Complaint narrative:
I got a loan for {$700.00} 0n XX/XX/2020 and now they want me to pay {$1300.00} back and which I tried to make payment but it got to the point where I could no longer make any more payment. Now they calling me with threatening phone calls stating they have file papers on my at the courthouse. They calling and harassing people that I don't know or associate with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am the consumer natural person making this report notifying XXXX XXXX of there Federal violations pursuant to federal law. Pursuant XXXX8 USC 1028a ( 2 ) is in possession of my credit card without my direct consent. Pursuant 18 USC 241 & 18 USC 242 XXXX XXXX XXXX XXXX XXXX are conspiring together to coerce payment from the consumer and both negatively affecting my individual credit reporting. This was an extension of credit from my credit card as defined by Congress in this Consumer Credit transaction. I envoke all remedies as detailed in my affidavit and civil liability for damages pursuant to 15 USC 1692K. Furthermore federal law states you need my direct consent and you do not have my direct consent to have my information or contact any farther about this debt which is an alleged obligation. I am the consumer here to enforce my rights and secure damages caused by your organization. If you shall find any of my claims frivolous I will need that in a sworn statement by the CEO of your company.

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 2021-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have sent Experian numerous letters stating that they have inaccurate addresses on my credit report and need to be removed immediately, however they have not responded to me or updated any information. on my credit 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 2021-09-22 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: GA

Complaint narrative:
I recently pulled my consumer report and noticed some accounts that there are some Inaccurate alleged accounts being furnished on my consumer report. Because of the error I am being penalized greatly in extremely high interest rates when being approved.

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 2021-09-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
The XXXX and XXXX Credit Bureaus are reporting inaccurate information on CAPITAL ONE BANK USA N ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: NM

Complaint narrative:
I went to withdraw my money from my account on XX/XX/XXXX to buy a XXXX  van. I had purchased checks believing I could write a check but there was a maximum limit of {$3500.00} a month. I couldnt find a reasonable place to get my money. I read in the rules I could close out my account and recieve my money that way. I spoke with a representative on XX/XX/XXXX they told me they closed out the account in the amount of {$10.00}. I was angry at that point as I had {$12000.00}. When I stated this the employee didn't react at all as if this is common practice. Being upset I called again on XX/XX/XXXX and the employee stated a check was issued but he didn't state how much the check was and when I told him the amount it should be he didn't react either. So I waited for the check it took 14 days not 7 or 10 days as stated on there website. 
As soon as I closed the account I lost all my data that was available to me. I no longer had access to my money, my payments, my yearly statements. 
When I received the check I was in shock. Did they really think I was going to accept {$10.00} and go away? I called and spent 3 hours on the phone jumping through hoops never getting any one that cared about the {$12000.00} mistake. 
I have a screenshot of my account. Some alerts via text message, I also have the bank that gave me the loan for the XXXX  van ....

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 2021-09-22 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: IL

Complaint narrative:
In XXXX, i was informed that someone was trying to use my card despite the fact that I hadnt seen my card in months. I was told not to worry and that i would receive a new card. While waiting on a new card, my bill was due, and I could not pay it. I have screenshots of the app that I use to pay my bill telling me that my balance was XXXX and I couldnt pay it. However, I never received my new card and was charged a fee. Now my account is over my limit, making my minimum amount due about 4 times higher than normal. The next month i attempted to call them to report this because it wasnt my fault they were experiencing issues with their app, and she said they were having issues at their headquarters so she couldnt even use the computer to pull up information. This caused another month to go by, and i wasnt going to pay {$200.00} where i would normally pay XXXX $ for something that wasnt my fault- so now thats TWO missed payments because theyre having difficulties, and its showing up on my credit report, and anytime i call them, no matter which device i call on- the automated system can not hear my responses or when i dial a number to indicate a response- and neither can the live representatives. My next payment is due TODAY & I will have another missed payment and increase in minimum payment. My credit score is suffering, and my minimum payment is over {$350.00} now, because theyre having difficulties.

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 2021-09-22 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: PA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GLA Collection Company, Inc.
State: TN

Complaint narrative:
XXXX XXXX  repeatedly submitted claims to the wrong insurance, even after they were told what the proper insurance for my son was. After several repeated, failed attempts to submit to the wrong insurance, they sent us a bill for XXXX. We contacted our insurance and they fixed the problem and paid XXXX XXXX  the amount owed for his XXXX. The woman at the front desk refuses to admit error and continued to press for an amount we do not owe. This happens continuously at that location with other families. We will not be bullied into paying double for the repeated mistake of their staff. If this is not removed after this second attempt a lawyer will be sought for damages. 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 2021-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: OR

Complaint narrative:
I get repeated calls from this debt collection agency and every time I answer it, I say 'hello " 3-4 times and the call ends on their side. I am working when these calls come in and it is unacceptable. Today I finally took time from work to call this phone number back. I reach an agent with Midland Credit Management. Allegedly they 'bought ' a debt from XXXX. I asked this person for a debt validation letter to which she responded " We sent you one in XX/XX/2021 and can not send another but we upload all documents to our website that you can access ''. I educated this person that I am not comfortable entering identifying information on an unknown website and asked, again, for signed documentation that this debt belongs to me and a copy of the debt validation letter allegedly sent to me this year. The person argued that they can not send a new letter. Educated person that I am only requesting a copy of the letter they are stating they sent to me as I never received the first one. She said they can not access documents to resend and again referred me to the website. I explained the the person that if they are sending me anything that they should be saving/uploading the original letters and they should be accessible to be resent. This person and this agency is refusing to provide me with any proof that this debt is mine in addition to refusing to send me a debt validation letter via MAIL. I was on the phone with this person for 17 minutes and when I told her to give me the company website, name and address and mentioned filing a CFPB complaint she told me that she was having technical difficulties and I need to call back. I told her that is absolutely unacceptable. The call was ended.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: SC

Complaint narrative:
I have been sending letters to the Bureaus for 90 days. They always tell me the same thing. Keep saying it is accurate. They do not show original documentation on the items on my credit file. The XXXX XXXX system says everything suppose to be 100 % accurate. Nothing on my credit file is correct. They have not been responding to my disputes in a timely manner. I'm uploading only a few errors that is on my credit file. That is just the start.

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 2021-09-22 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: FirstPoint Collection Resources
State: VA

Complaint narrative:
First point has appeared on my credit report without giving me any kind of notices. This is illegal and has cost me significant credit hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: VA

Complaint narrative:
Jefferson Capital Systems has bought a debt, that is not only over 7 years old. But I am a XXXX wireless customer NOW! And that debt has been taken care of. I keep telling them to remove themselves from my credit report and the credit agencies but they wont remove the debt. The account opening date that they bought the debt is correct but the day the account was opened is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Failed to respond to my disputes. I have been sending in disputes for 4 months, and I still have not gotten a response. The Credit Reporting Agencies are not following the law. My credit file is important to me. Please!!!

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 2021-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have sent XXXX numerous letters stating that they have inaccurate addresses on my credit report and need to be removed immediately, however they have not responded to me or updated any information. on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Experian is in violation of numerous consumer rights including : 15 USC 1692 - Fair Debt Collection Practices Act 15 USC 1681 - Fair Credit Reporting Act 15 USC 1601 - 1667f - The Truth In Lending Act 15 USC 1691- The Equal Credit Opportunity Act 15 USC 6801 - 6809 The Gramm Leach Bliley Act I have reached out various times to dispute and inform Experian of incorrect information being reported as well as to report the numerous violations that have occurred along the way. When I asked representatives how and when the information was validated they told me that Experian didnt and doesnt validate information before its reported. I advised that they are to adhere to the rules of the FCRA and they advised that they dont have to check the validity of any information before its reported.

I also advised Experian that I never gave my written permission or instruction to generate or furnish information about me as needed and identified by the FCRA. I asked for assistance in resolving the issue and each time I call in Im transferred to dead air or hung up on when I recall my rights under the statues and guidelines as set forth with myself being the original creditor and debtor. 

The accounts listed below are in violation : XXXX Student Loans ( 2 ) - payment history is inaccurate as Ive never been late - different reports show 90 days late on different months and Ive NEVER been late as loans were on a forebearance plan XXXX  XXXX - never had a charge off account Management Support - not my account ; was victim fraud - have provided info FTC report/ police report to Experian XXXX account removed by other agencies but not Experian

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 2021-09-22 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: CA

Complaint narrative:
on XX/XX/2021 I have recently reviewed my credit report and notice there are items reporting that I have no knowledge of, I never had any consumer transaction, credit extended, or authorized doing any business with the companies, as a matter of fact, I was never notified that these items were going to appear on my credit report, I have sent you a letter of my concern of the misleading, untrue, inaccurate and unproven items on my credit report but I have not received a response for you yet, I had concerns because I was impacted by Equifax data breach, I'm positive this is a violation of my consumer rights

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Improper use of credit. There is a unauthorized inquiry that I did not consent.

Inquiry needs to be removed immediately.

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