vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-21 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: CA

Complaint narrative:
On XX/XX/XXXX, consumer.ftc.gov put out an announcement that consumers are entitled to " FREE weekly credit reports during COVID extended until XX/XX/XXXX ''. I ordered a free credit report from EQuifax on or around XX/XX/XXXX. Yet Equifax denied me my free credit report in a letter dated XX/XX/XXXX stating that I already received my free report within the past 12 months, which is a clear violation of the COVID-19 mandate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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: DriveTime
State: GA

Complaint narrative:
XXXX Contact info XXXX XXXX XXXX XXXXXXXX, IN XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- DT CREDIT Auto Financing Companies Contact info XXXX XXXX XXXX XXXX, AZ XXXX To whom it may concern : I have been contacted by your company about a debt you allege I owe.

I am instructing you not to contact me any further in connection with this debt.

Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so.

Please reinvestigate this matter to have them [ delete or correct ] the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on [ identify disputed item, creditors name and whether it is a credit account, court judgment, etc. ] is [ inaccurate or incomplete ] I am requesting that the item be removed [ or corrected ] immediately. 
Enclosed will be a copy of my police report pertaining to the item supporting my position.

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 2021-07-21 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: AZ

Complaint narrative:
I have submitted three different disputes with TransUnion regarding my XXXX motor account being closed. It's been closed for over a year now. Recently with credit repair services they caused this account to open on my credit report again. I informed TransUnion that this information is not correct and that the payment history does not even show on my report nor is the dates correct. They keep stating the verification is correct and have not changed anything regarding the account. I talked to TransUnion through chat and asked how far back are they able to track reports because they should be able to see this account was closed and was just recently reopened as if I have a new loan. TransUnion said they aren't able to do anything about it and that I had to contact XXXX. Which doesn't make sense being they are the bureau. I asked if its legal to open the account after being close and they said no it is not legal to do so. So now I'm reporting this because I'm lost to what to do.

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 2021-07-21 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: KY

Complaint narrative:
On XX/XX/2021 I used PayPal to send {$30.00} to my husband who was out of town working for gas money to get back home. I used the e-check option but since there was an unauthorized transaction on my funding account the transaction was unable to go through on XX/XX/2021. On XX/XX/2021 it was re-presented again to my financial institution and cleared at XXXX CDT. I have called PayPal numerous times and spoke to supervisors as well as in online chat and they all continue to tell me that the transaction has not cleared my bank although I have submitted official statements from my bank. The day it is told to me that the funds would be available has changed from the XXXX to today the XXXX and the funds still show pending and they refuse to post the money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-22 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$39000.00}, {$28000.00}, {$7900.00}, {$7300.00}, {$14000.00}, {$16000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$39000.00} -This is not my account. 

3. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$28000.00} -This is not my account. 

4. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7900.00} -This is not my account. 

5. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7300.00} -This is not my account. 

6. XXXX XXXX XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: AZ

Complaint narrative:
Spoke to Convergent Outsourcing Rep informed them that I do not owe the amount they are attempting to collect. Their letter reflects a balance owed in the amount of {$770.00} but the billing records they provided from the creditor XXXX XXXX indicate a balance owed of {$610.00}. There is no explanation for the difference. This clearly violates The Fair Debt Collections Practices Act. I also disputed the equipment charges in the amount of {$420.00} there is no description for what alleged equipment I am being charged for. This account was back in 2017. I do not have a receipt back that far. Convergent is still trying to collect the full disputed balance and has not even corrected my credit report which also violates the Fair Credit Reporting Act, Furnishing False info.

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 2021-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I am not liable for this debt with AFFIRM INC plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$2300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
I requested additional information in regards to the collection but no information has been provided from the debt collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Social Finance, Inc.
State: CA

Complaint narrative:
On XX/XX/21, I filed an Economic Hardship forbearance request with SOFI/XXXX  due to ongoing medical hardship. Upon sending the requested medical bill ( which is already extremely invasive, given the nature of this matter and HIPAA-Related information on a portion of this bill ), my application was summarily denied twice due to the bill photocopy being cut-off, due to personal medical information being on this portion of the bill. In explaining this to XXXX Consumer Relations, and being told that one would not have to send a portion of the bill that had personal medical information or diagnoses/codes, this was escalated back to the processing team which again denied the forbearance, even in lieu of me explaining the reason for the cutoff bill ( personal medical details ). This bill shows the dates of service, provider, my name, and full charges -- all of which was requested by SOFI. At this time, I am requesting immediate executive level assistance to approve this forbearance given all the time I have put into this matter, prior to a HIPAA Complaint and further action being taken to ensure this is justly applied to my loan account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Goal Structured Solutions, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX DOB XX/XX/XXXX SS # XXXX Dated : XX/XX/XXXX RE : Account Number XXXX To Whom It May Concern, On or about XXXX of XXXX, someone applied for student loan using my personal information from XXXX XXXX XXXX, XXXX. I have since requested validation for the loan and so far have received none. XXXX XXXX XXXX, then sold the loan to Launch Services, LLC, who place the loan amount of {$2500.00} on my credit report. Since Launch Services, LLC placed the unauthorized debt on my credit file, my credit have fell below XXXX. I have requested for validation of the loan. I am requesting copies of Identification, Social Security card and Copies of documents with my signatures attached. 
Under the FDCPA, you have the right to debt validation. This means a consumer can demand that a creditor reporting information to the credit bureaus prove the account is really your responsibility and that the balances are accurate. Also, a debt collector must also prove they have a legal right to collect the debt. 

This matter needs to get resolve 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
Consumer complaint received 2021-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with I.C. SYSTEM, INC plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$290.00}

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 2021-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group
State: FL

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX and I do not have a contract with CKS PRIME INVESTMENTS plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$540.00}

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 2021-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EdFinancial Services
State: FL

Complaint narrative:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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: TX

Complaint narrative:
This would be my 2nd complaint about XXXX XXXX. The company responded on XX/XX/2021 through the CFPB in response to my initial complaint dated XX/XX/2021. The company keeps sending me over the same documents nothing bearing my wet ink signature. I have sent in affidavits of truths and affidavits of fact that have yet to be rebutted. I know that an affidavit must be rebutted by another affidavit. If it is not rebutted then the initial affidavit stands as true and factual. I have asked that the XXXX XXXX stop furnishing my information to the consumer reporting agencies without my consent. They have ignored my request. ( 1 ) XXXX XXXX has failed to provide me with any written documentation or proof in your initial communication which I received as to who purchased any alleged student loans under any guarantee agreement bearing my name and personal identifying information. ( 2 ) Proof of the entire chain of custody of each promissory note you claim that the entity you are collecting for was required to purchase, including but not limited to, copies of the guarantee agreement for each of the alleged loans contained within your initial communication to me ; ( 3 ) Please send me a full accounting of ALL sums due that have been applied to this alleged loan balance, including alleged default insurance payments, credit default swap payments and any other insurance that was purchased to cover the entirety of the loan should an alleged default occur, including correspondence showing the payout dates of these alleged policies ; ( 4 ) If this loan was securitized, along with other student loans, please provide me with the name of the trust and location of its trustee, including its full contact information and telephone numbers ; ( 5 ) Please provide me with the complete name and address of the original lender and/or creditor and all correspondence you have in your possession related to these alleged loans. ( 6 ) Please provide me with the exact location of my purported loan documents, signed by me, including a direct phone number ; and ( 7 ) Please provide me with copies of all correspondence between your agency and the U. S. Department of Education, including all loan documents, and any documents you have in your possession, bearing my legitimate signature, that proves you have the right to collect this alleged debt, including any agreements signed between you and the alleged creditor you claim to be representing in your initial communication to me. Lastly, please send me your rebutted affidavit if you do not agree with my claims and testimony.

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 2021-07-21 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: Continental Finance Company, LLC
State: PA

Complaint narrative:
I am a victim of idenity threft. my federal trade commission idenity theft record No. is XXXX I XXXX XXXX did not make any applications to XXXX XXXX XXXX XXXX XXXXXXXX. 

YOU HAVE MY MAIDENN NAME also that is fraudulent activity. 

I was written off with a form letter.

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 2021-07-21 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report it has been well over 30 days and I haven't received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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: Army and Air Force Exchange Service
State: TX

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report it has been well over 30 days and I haven't received any investigation results.

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 2021-07-21 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: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
review the following accounts that appear on my credit report, they do not belong to me and are hurting me Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

2. Identity Theft ALLY Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 
. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

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 2021-07-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
i was in prison when identity thieft occur for XXXX XXXX, self lender in the amount of XXXX on XX/XX/XXXX i filed a FTC REPORT AND CONTACTED THE POLICE AND TRANSUNION ON XX/XX/XXXX TRANSUNION HAS NOT REPLYED AND HAVE NOT UPDATED OR REMOVED ACCOUNT

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 2021-07-21 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: CA

Complaint narrative:
Sometime around 2016, a credit card was opened in my name. Because it was fraudulent, I was never made aware of it. Because I was unaware, the card was never paid off, and went to collections. I was made aware of the card by debt collectors. When I was made aware I disputed the card and it was removed from my credit report. Unfortunately, I did not know that I had to dispute the card with the debt collector directly as I believed it was resolved when I stopped receiving phone calls from them.

Company response to consumer: Closed with explanation