vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-10 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: ERC
State: AL

Complaint narrative:
Attention Enhanced Recovery Company, This letter shall sever as my formal and last notice of my intention to file suit against your organization. You are currently reporting account to my credit file that are legally incorrect and fraudulent, This account is a direct result of the 2017 XXXX  Data breach, this breach leaked the personal data of over 143 million Americans, the information leaked included my name, birth date, address, phone number, social and driver 's license number were compromised and used to open several accounts without my permission. Ive requested a full debt validation, I have yet to receive any contact back. Legally companies have 30 days to send the following information listed below ; and they have not done so. Please remove this information from my credit file as soon as possible. My lawyer has also contacted the XXXX XXXX XXXX  on my behalf, and filed a complaint against your company. 



Remove the fraudulent account for {$970.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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: MA

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. 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 2020-07-10 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: EQUIFAX, INC.
State: MA

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX   and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Hello Sir/Madam, I have several charges in my Chase account XXXX for last few months such as " insufficient funds fee '', as well as " incoming wire transfer fees ''. I was not given any disclosures, terms and conditions about those fees. 

They told me incoming domestic wire transfer is free when I opened the account. 

So I need them to provide disclosures about those fees that was given to me. If they don't have evidence of disclosure given please have them reverse those charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-10 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: CA

Complaint narrative:
I belive there is some fraudulent updates on my credit report on EQUIFAX part. 

On XX/XX/XXXX I sent a dispute a investigation for XXXX changes They received the letter on XX/XX/XXXX The sent me a verification email of starting the dispute on XX/XX/XXXX On XX/XX/XXXX I received an update on all XXXX changes. 
IF I FELT LIKE THERE WAS AN ACTUAL UPDATE I WOULD ACCEPT THAT HOW EVER I DONT BELIVE THEY ACTUALLY REACHED OUT TO THE CREDITORS IN TIME > HERES AN EXAMPLE Via XXXX XXXX it said my missed payments were removed. 
Not one missed payment was removed OR Inquiry. OUT OF XXXX. 
I called 2 of the creditors. THey said they did not receive a dispute from EQ. 
I looked in to the information that was updated. 

One account was XXXX XXXX XXXX contacted them. They said thier last update was XX/XX/2020 HOWEVER THE EQUIFAX update shows and validates : I owe {$22000.00} And I STILL have 2 lates. 

Heres the thing i have proof that as of XX/XX/XXXX I owed XXXX XXXX HOWEVER as of XX/XX/XXXX XXXX XXXX LAST UPDATE I owed XXXX XXXX. EVEN ON XX/XX/XXXX I OWED XXXX XXXX. 

EQ never has current information. SO it looks like they updated their last report on file and called it validated. 
But as I said After a talk with XXXX XXXX they said their last 3 bearu update was sent out XX/XX/XXXX and they did not get an dispute via Equifax. 

So I dug deeper, I called some of the creditors i have inquiry disputes with and they didnt receive any disputes for EQ as well.. 

I also looked in to the date EQ claims some of the information was validated looks like 90 % the creditors called the same day. Which is strange. 
But even still if that were the case their fake investigation updates trying to beat the 30 clock was still off by 3 days. 
They received the certified letter disputing information on the credit report on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I am a victim of fraud/identity theft. Sometime in XX/XX/2020 someone applied and received an individual loan IAO {$2300.00} under my name from AVIO Credit XXXX in XXXX, Kansas. The account went to a collection agency, XXXX XXXX XXXX XXXX, on XX/XX/2020. The account showed up on my credit reports when I checked XX/XX/2020 and I realized I had a fraudulent account IAO {$2300.00} in collections. I have disputed this account with XXXX, XXXX, and XXXX  and placed a security alert on my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: OK

Complaint narrative:
On XX/XX/XXXX Barclays debited my bank account for {$99.00}. This has never appeared as a credit on my credit card account. Barclays does not answer its consumer phone, I have been on hold twice for over an hour each time. I submitted the problem 4 times on their website only to get answers that they do not understand my complaint. Barclays need to reverse the debit to may bank account or credit the funds to my Barclays card. I have given them the information they claim they need : name of my bank, its routing number, and my bank account number. But all to no effect.

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 2020-07-10 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX I mailed a letter to TransUnion and XXXX  requesting my grand-daughters credit file be frozen due to identity theft My issue however, is with TransUnion. I went to their website to see what documentation needed to be submitted. I provided ALL required highly sensitive information including a copy of mine and my grand-daughters SSN 's and a letter restating everything ( which I copied and pasted from their website ) XX/XX/XXXX. This indicates to me either someone failed to review my highly sensitive documents or didn't understand them and tossed them to the side. Either way presents negligence on their part. I am attaching the letter I sent them, along with TransUnion 's and XXXX  's reply after I sent them both the same identical information.

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 2020-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XXXX of XXXX, I was approached by this person thru other intermediaries about capital funding for an Aviation Fuel Transactions under contract with XXXX XXXX XXXX XXXX ( XXXX XXXX ) and a Tank Storage Provider named XXXX XXXX XXXX XXXX in XXXX. 

XXXX XXXX ( XXXX ) needed {$240000.00} to pay tank storage fees for these contracts for aviation fuel so he asked me to fund them ( {$240000.00} ) and in return he promised to pay back the capital plus a significant ROI totaling {>= $1,000,000} and he wrote 3 separate business checks to ensure payment to my corporation. 

I send 3 separate bank wires from my business account at XXXX XXXX   to XXXX XXXX XXXX XXXX - Bank of America business checking account and XXXX in turn wired from his business account at BOA to various international bank in XXXX and XXXX XXXX as instructed by XXXX XXXX XXXX XXXX. 

Here are the 3 wire receipts XXXX sent to international banks for fraudulent tank storage fees. 

{$87000.00} on XX/XX/XXXX Bank of America ( XXXX XXXX XXXX XXXX ) to XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX ) in XXXX, XXXX {$74000.00} on XX/XX/XXXX Bank of America ( XXXX XXXX XXXX XXXX ) to XXXX XXXX  XXXX XXXX XXXX ( Polenectar ( XXXX ) Limited ) in XXXX XXXX   {$71000.00} on 01/23/2019 Bank of America ( XXXXXXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX  in XXXX Texas ( XXXX XXXX XXXX ). 
In the end, I found out the deal was a scam because the tank storage company was a fake and stole the money which I learned from an XXXX agent that tank spoofing scams are common in the industry. 

I have attempted to collect what is owed from XXXX and XXXX and Bank of America for several months to no avail and I need your departments help to make Bank of America ( FDIC Insured bank ) aware of their part in assisting XXXX in facilitating the fraud/scam by sending out bank wires to banks who conspired with the fraudsters and allow them to hold open & use bank accounts for their illegal scams. 

Banks need to be held accountable as well since they allow fraudulent activities thru business bank accounts open by their client/customers committing fraud and stealing money with the use of these accounts. 

XXXX XXXX XXXX - XXXX XXXX must force his bank BOA to reclaim the money and money he promised thru the 3 post dated checks that remain uncashed due to having insufficient funds.

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 2020-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recovery Associates has NOT to date sent me any and all monthly billing statements for my review. 
Portfolio has NOT to date sent me any and all information to review that proves that this debt is mine. 
Portfolio has reported inconsistent and incomplete information on my XXXX, XXXX  and XXXX  credit files regarding this account. 
Please tell me what services were provided on this account to bring the total to current amount. 
Please tell me when this account was opened and what is the date of the first missed payment. 
Please provide the signed contract from the original creditor so that I may ascertain if the debt is mine. 
Please provide documentation that shows Portfolio is authorized to collect this debt. 
If this information can not be provided for my review, this account should not be reporting on my XXXX, XXXX  and XXXX   credit files. Failure to provide me this information is a violation of my rights. Please either provide the information that I have requested or immediately have this account deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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: AL

Complaint narrative:
Attention XXXX XXXX Company, This letter shall sever as my formal and last notice of my intention to file suit against your organization. You are currently reporting account to my credit file that are legally incorrect and fraudulent, This account is a direct result of the 2017 XXXX Data breach, this breach leaked the personal data of over 143 million Americans, the information leaked included my name, birth date, address, phone number, social and driver 's license number were compromised and used to open several  accounts without my permission. Ive requested a full debt validation, I have yet to receive any contact back. Legally companies have 30 days to send the following information listed below ; and they have not done so. Please remove this information from my credit file as soon as possible. My lawyer has also contacted the XXXX XXXX XXXX on my behalf, and filed a complaint against your company. 



Remove the fraudulent account for {$970.00}

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 2020-07-10 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: AL

Complaint narrative:
Attention XXXX XXXX Company, This letter shall sever as my formal and last notice of my intention to file suit against your organization. You are currently reporting account to my credit file that are legally incorrect and fraudulent, This account is a direct result of the 2017 XXXX Data breach, this breach leaked the personal data of over 143 million Americans, the information leaked included my name, birth date, address, phone number, social and driver 's license number were compromised and used to open several accounts without my permission. Ive requested a full debt validation, I have yet to receive any contact back. Legally companies have 30 days to send the following information listed below ; and they have not done so. Please remove this information from my credit file as soon as possible. My lawyer has also contacted the XXXX XXXX XXXX on my behalf, and filed a complaint against your company. 



Remove the fraudulent account for {$970.00}

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 2020-07-10 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
XX/XX/2020, a pull of my credit report shows that Progressive is  seeking to collect on an alleged debt in the amount of {$820.00}. XX/XX/2020, another pull of my XXXX Credit report shows that Progressive reported that I allegedly owe {$830.00}. 

XX/XX/2020, I sent a 15 U.S.C 1692g ( b ) letter of validations that requested various documents that substantiates the debt and the amount attempted to be collected on is accurate. I received a XXXX XXXX ( See attachments ) that shows the original debt of {$750.00} with XXXX Hospital. Progressive failed to provide the documents requested that shows that I have entered into an agreement by way of signed contract or judgement with XXXX Hospital and/or XXXX to pay interest or additional fees on the principal balance owed to XXXX Hospital for a debt I allegedly owe and that the debt belongs to me. 

This is a violation of 15 U.S. Code 1692f. Unfair practices : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.

and Violation of : 15 U.S. Code 1692e ( 2 ) ( A ) A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of ( A ) the  character, amount, or legal status of any debt ;

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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: ID Analytics, Inc.
State: TX

Complaint narrative:
I recently bought a car XX/XX/2020 at XXXX XXXX XXXX. I was approved by XXXX then a few weeks go by and I received a letter saying I have been denied due to a SageStream credit score of  XXXX?!?!? When the letter stated that my score XXXX with XXXX. Currently XX/XX/2020 looking at my XXXX  Score Im at XXXX with XXXX  and XXXX  score of XXXX. The Disparity is ridiculously huge it makes no sense why two scores are so close and the third is 240 points lower. XXXX does not offer online services they want hard copies of ID & Social mailed to them, that is sketchy this company is a scam and they should not be allowed to be in operation for falsely reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I know that XXXX is medical billing credit card. However, I do not know what services were provided, when services were provided or to whom services were provided. 

Midland Funding has NOT to date sent me any and all monthly billing statements for my review. 

Midland has NOT to date sent me any and all information to review that proves that this debt is mine.

Midland has reported inconsistent and incomplete information on my XXXX   credit file regarding this account. 

Please tell me what services were provided to the individual on this account to bring the total to current amount. 

Please tell me when this account was opened, the payment history and what is the date of the first missed payment. 

Please provide the signed contract from the original creditor so that I may ascertain if the debt is mine. 

Please provide documentation that shows Midland is authorized to collect this debt. 

If this information can not be provided for my review, this account should not be reporting on my XXXX  credit file. Failure to provide me this information is a violation of my rights. 

Please either provide the information that I have requested or immediately have this account deleted.

Company response to consumer: Closed with explanation