vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-11 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, XXXX XXXX, am stating that XXXX, XXXX, Equifax are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX XXXX, Equifax may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, XXXX, Equifax any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, XXXX, Equifax credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, XXXX XXXX Equifax permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, XXXX, Equifax is violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, XXXX, Equifax wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, XXXX, Equifax consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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: TN

Complaint narrative:
Remove this fraudulent account from my XXXX XXXX XXXX XXXX XXXX assigned XX/XX/2016 {$470.00} I reported to this company and to the bureaus that this is a fraudulent account in my name and must be removed asap! i have written to this company and asked them to send me the original contract with my original signature and original lease the company could not provide this info and neither could the bureaus which lets me know further that this is an act of fraud and a crime. I am the only natural person that can validate or give consent of an obligation that you the debtor says belongs to me. According to federal law 15 USC 1692 ( e ) disputes the validity of this so called obligation and i have not received any original contract connecting me to this fraudulent account. This has hindered me and my family in obtaining credit and is a violation and crime of my consumer rights and has caused damages to my mental state and welfare to maintain my home, because of your companies failure to validate this so called debt, i am entitled to compensation according to federal law 15 USC 1692 ( k ) any person is liable to such person in an amount equal to the sum of XXXX according to F.D.C.P.A 15USC 1692 ( k ) and can and will be filed in the U.S district court.. 
REMOVE account asap and compensate acct # XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Thank you XXXX 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 non-monetary relief
Consumer complaint received 2022-07-11 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: IL

Complaint narrative:
Would like assistance in removing the account and inquiries from my reports. Did all the right things to get it removed but nothing happened.

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 2022-07-11 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: IL

Complaint narrative:
Would like assistance in removing the account and inquiries from my reports. Did all the right things to get it removed but nothing happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I can not get approved for anything and this matter has left me stagnated in my financial life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-11 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: NJ

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-07-11 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Fraud charges to XXXX >10 years ago Balance of {$6000.00} Company filed for debt dispute with Midland Credit Management Case Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Hello, I am a XXXX at a top-tier university and was trying to consolidate my downpayment in one account-Citi Priority checking account for a home purchase. I deposited XXXX over three days from my XXXX  and XXXX  XXXX XXXX accounts to my Citi Priority checking account. They froze my account and terminated my account with no notice. I was about to lose the home we were ready to purchase due to this inconvenience. I want to understand my rights, and how they can disable my access to my hard-earned savings. I attempted multiple times through phone, visiting a branch, and talking on chat but no respect and luck. I am willing to learn what are my legal rights and complain about this disaster operation that Citibank conducted

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 monetary relief
Consumer complaint received 2022-07-11 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX with a {$690.00} balance, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 2 : It also states a consumer reporting agency can not furnish an account with my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX with a {$690.00} balance, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 2 : It also states a consumer reporting agency can not furnish an account with my written instructions.

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 2022-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
This complaint is in addition to a previous complaint. The complaint number is : COMPLAINT ID XXXX I am filing an additional complaint because the company in question is now in willful violation of statute. I spoke to 2 different representatives from CFPB who confirmed that the disputed amount on my credit card is Not to be part of the balance to be paid on my credit card. Unfortunately, the disputed amount of XXXX WAS part of my balance on my card and I was charged over {$200.00} in interest while this dispute is STILL under investigation. To make matters worse, I contacted a gentleman named XXXX from the Chase Credit Card executive office at XXXX Extrension XXXX who stated that they can keep the disputed amount on the balance and charge interest on it and just reimburse if the case should go in my favor. He stated this after I told him that I spoke to CFPB and I informed him that he was required by statute to keep the disputed amount off my balance and Not charge interest until the dispute was resolved. Unfortunately, they are hurting my credit score and charging me interest in clear blatant violation of the law. Please contact the merchant and require them to follow the law and get the disputed amount off my balance and the interest charges reversed as soon as you are able.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
On XX/XX/2022, my account was charged {$730.00} by XXXX XXXX. I reported this charge as fraudulent on XX/XX/2022 and my phone records prove this call. I called XX/XX/2022, to confirm why this charge was not suspended and discovered that I had been incorrectly charged late fees and missed payment fees. Barclay had failed to mark this charge as fraud. This XXXX charge should be suspended, and these late fees and missed payment fees should be removed.

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 monetary relief
Consumer complaint received 2022-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Halsted Financial Services, LLC.
State: MI

Complaint narrative:
Good Afternoon, I had a debt through XXXX XXXX Bank ( Credit Card ), AKA XXXX  XXXX XXXX  that was transferred/sold to XXXX  XXXX  XXXX XXXX XXXX I moved a couple times throughout the pandemic, so never received any written correspondence that it was going to collections, but after some research, agreed that the debt and amount were accurate ( {$400.00} ) and ultimately paid XXXX XXXX XXXX the amount owed in full. That was on XX/XX/2022. I was notified around XX/XX/2022 by a company called Halsted Financial services that I still owed the debt and that they were acting on behalf of a company called XXXX XXXX. I contacted XXXX XXXX Bank immediately to see who actually owns the debt, whether it was sold or transferred, and a list of who I needed to contact to make sure 1 or any of these companies actually was acting on their behalf. XXXX XXXX Bank could not tell me who owned the debt, which I thought to be odd that NOBODY within that company could tell me who had the debt. I tried to escalate as high as I could to get a simple answer to no avail. I am still uncertain if I paid a scammed or an actual debt collector or if the debt was recycled. This is my first inquiry into the matter and hope I don't need to get legal representation, but also more than willing. I have attached Proof of Payment from XXXX XXXX XXXX as well as a screenshot of my Bank Statement showing the same date, company that payment was tendered, and matching dollar amount. Thank you for time and effort. 


***NOTE*** It would not let me list a 3rd financial institution below. That company is XXXX XXXX which is apparently the company that Halsted Financial Services was acting for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
The account name is CAPITAL ONE balance {$450.00} account # XXXX 30 days late on XX/XX/2021 and XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
This was not sent is error i am a consumer by law and my information as misused and now I have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
The account name is CITI balance {$0.00} account # XXXX 30 days late in XX/XX/2021.

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 2022-07-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
On XX/XX/XXXX I tried to send my mother in law money through Venmo through my balance on venmo.she did not get a notification so I cancelled it and tried to do it again.my account was then Frozen with no explanation. I called several times and then was initially told that someone from an account specialist team would reach out to me within 6/7 business days on the XXXX when the 7th business day was up I called again and was informed that my case would be escalated for a second time and that I needed to wait another six to seven business days and then they asked me to send them a picture of a photo of my license with me next to it I submitted all documents on the XXXX that I had and was told to wait another 6 to 7 business days. I did that now it is Monday XX/XX/XXXX and no account specialist has reached out to me my account has been frozen with {$6700.00} verified from the IRS in my account no one is giving me any answers I'm getting misinformation I've contacted several supervisors to no avail they're just holding my money and not telling me anything I submit it all proper documents and they were accepted.please help me.i have emails of all chat transcripts verifying

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-11 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Received an automated call from Amazon indicating there was a charge for a XXXX and XXXX. Was transferred to a live XXXX sounding person and was told there were multiple bank accounts created under my name ; XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX. All with different charges. However the charges dont show on the only account I DO have for the Amazon credit card they are indicating has these charges. The phone number was XXXX ( XXXX ) XXXX XXXX, NJ.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I noticed some inaccurate items on my credit report and reached out to the credit bureaus to have the reporting information verified. I sent letters to each bureau on XX/XX/2022, and again on XX/XX/2022. I have not received the method of verification used to show these entries are accurate and they still appear on my credit report. 

Here are the items in question : DPT EDXXXX XXXX I have never been late on this account. 

DPT EDXXXX XXXX I have never been late on this account. 

DPT EDXXXX XXXX I have never been late on this account. 

DPT EDXXXX XXXX I have never been late on this account. 

DPT EDXXXX XXXX I have never been late on this account. 

XXXX XXXX XXXX Provide the document that shows I owe {$1200.00} XXXX XXXX This was pay per delete agreement and needs to be removed. 

DPT EDXXXX XXXX I was never late on this account. 

DPT EDXXXX XXXX I was never late on this account. 

DPT EDXXXX XXXX I was never late on this account. 

XXXX XXXX XXXX I was never late on this account. 

XXXX XXXX XXXX I was never late on this account. 

XXXX XXXX XXXX I was never late on this account. 

DPT EDXXXX XXXX I was never late on this account. 

DPT EDXXXX XXXX I was never late on this account. 

XXXX XXXX  XXXX Provide the method of verification that proves I owe {$160.00}

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 non-monetary relief
Consumer complaint received 2022-07-11 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXXXXXX now.with no help.

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