vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-25 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:
I have disputed several inaccurate accounts from my report to the credit bureaus but they aren't neither answering nor taking action, after 30 days of waiting for nothing, i disputed again my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I was looking over my credit report and I noticed that a few 30 days late payments were supposed to be removed ON MY XXXX XXXX XXXX XXXX XXXX the dates wereXX/XX/2020,XX/XX/2020, XX/XX/2020,XX/XX/2020 my income was affected due to the COVID-19 Pandemic shutdown. I am trying to move and this late mark is preventing me from moving into a new apartment and buying a new car. I was under the COVID-19 SHUTDOWN. The CARES Act calls these agreementsaccommodations.

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 2021-02-25 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I was looking over my credit report and I noticed that a few 30 days late payments were supposed to be removed ON MY XXXX XXXX XXXX XXXX XXXX the dates wereXX/XX/2020,XX/XX/2020, XX/XX/2020,XX/XX/2020 my income was affected due to the COVID-19 Pandemic shutdown. I am trying to move and this late mark is preventing me from moving into a new apartment and buying a new car. I was under the COVID-19 SHUTDOWN. The CARES Act calls these agreementsaccommodations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: KY

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: WA

Complaint narrative:
Remove the remaining items from 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 2021-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I am writing in response to collection, Act. # XXXX, XXXX XXXX, in the amount of {$200.00}. I am in receipt of your response, dated XX/XX/2021. Providing a bill is not proper validation that I, XXXX XXXX, owe a debt to I.C. System, Inc., or XXXX XXXX. You, nor XXXX XXXX, have produced a dated contractual agreement upon which I entered and agreed to establish a relationship. 

I am victim of identity theft and would like I.C. System to provide proper VALIDATION, above verification, of any relationship established. I am exhausting all efforts to quiet this claim, and also aware of legal remedies, that could be costly, to have I.C. System, Inc., prove in a court of law that this debt is valid If I do not receive proper validation within 45 days or less, you are obligated to have this negative reporting removed from my credit file permanently. This letter is in accordance with FDCPA, 15 U.S. Code 1692g. ; FCRA, 15 U.S.C. 1681-1681x.

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 2021-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have 3 Americans Express cards. Since XXXX and I have allways made on time payments then in XXXX after making payments on one card I was told no payments was required on the remaining two cards. My annual fee is {$550.00} a year. But they closed my cards weeks later. Ever since then and the present I am a ongoing dispute and I they are illegal charging my late fees and interest eventhough I am disputing the amount and the annual fees charges after the closed my account they refuse to refund my annual fees. Its case of them refusing to refund my annual fees after closing my card. And triple the original amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have disputed this erroneous information from XXXX XXXX and Bk chap XXXX before

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 2021-02-25 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: Consumer Portfolio Services, Inc.
State: NC

Complaint narrative:
Consumer portfolio services put 2 inquires on my XXXX  report. The same date on both. I called XXXX they told me to call them gave me a phone number but the number doesn't work. I don't mind 1 inquiry on my credit but not 2 of the same thing. I need help in getting 1 off XXXX wouldn't know help at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: LA

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

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 2021-02-25 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: LA

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: TX

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

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 2021-02-25 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: TX

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: IA

Complaint narrative:
XXXX 2020. {$9.00} XX/XX/2020 {$9.00} XX/XX/2020 {$15.00} XX/XX/2020 {$24.00} XX/XX/2020 {$23.00} XX/XX/2020 {$23.00} XX/XX/2020 {$34.00} I called often to find out status at one point was told it was on a desk. No investigation assigned. It has been 80 days and today they denied it. Supervisor did not answer so I could find out why.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have tried numerous times to have a bankruptcy that is reporting on my file removed as it is not mine. The company reporting it to you XXXX is frozen to my personal information due to fraud. So how is it possible this wrong information is reporting on my credit report. This is my last attempt to have it removed or I will be taking legal action.

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 2021-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC
State: FL

Complaint narrative:
There are so many little collections listed that go away and come back, they are unknown, requested several times from ALL the companies and nothing has been received. I want this removed CAPIO PARNERS LLCXXXX Balance : {$200.00} Capio Partners LLC XXXX Balance : {$200.00} Capio Partners LLCXXXX Balance : {$200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-25 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
On XX/XX/2020, American Express via XXXX XXXX XXXX XXXX XXXX add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose. 
My written authorization. 
Proof that I personally initiated these inquiry. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
My husband and I opened a business checking account in XXXX, we took all business documents to the bank when the account was opened such as articles of organization, ein and business formation documentation. Fast forward XXXX, I opened a business savings account for the same business name as the checking account. A bank representative called us to come into the bank to bring a copy of the operation agreement which they should have already had a copy from XXXX. We missed the appointment with the banker. We honestly forgot to reschedule and we never heard from them again. Needless to say, they closed both of our business accounts without notice and are telling us they will mail our funds " FIRST CLASS mail ''. Combined both accounts had balances of over {$150000.00}. I've asked them overnight or at the very least provide us with a tracking number because it isn't a little bit of money but all they keep telling us is the check has already been mailed. I know that isn't true because they also said it is a 10 day wait before they will issue the funds. This is a business with payroll and office expeditures that we now have to go into our personal monies to pay these things because Wells Fargo handled this very poorly. No follow up phone call, email, regular mail, or alerts on the account for us to see.

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 2021-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
To Whom It May Concern : In XX/XX/XXXX our family planned a vacation to celebrate mine and my husbands XXXX Anniversary. Our vacation plans got thrown off due to COVID-19 complications. My daughter paid for the full total of the reservations, and I planned to reimburse her using PayPal. The amount is {$3300.00}. 
My daughter and I put in all of the transfer information together on XX/XX/XXXX including the email address. At some point on XX/XX/XXXX the email address was changed to an email address neither my daughter nor I recognized. 
29 attempts were made to contact PayPal for remediation, to no avail. 
2 attempts were made via the online dispute system for PayPal with immediate declinations. 
The last reason for the decline Personal payments are not intended for the purchase of goods or services from sellers and therefore can not be disputed. An example of a personal payment would be sending money to a family member or splitting a bill with friends at a restaurant after one person has paid. 
The representatives treated me as if I were senile and not able to understand what was going on, and attempted to confuse me by give me conflicting information me in the same call. I felt bullied and taken advantage of unfairly. 
Their declination reasons were not relevant to the situation that occurred. 
On XX/XX/XXXX I requested for PayPal to provide me with a copy of the policies in place for XXXX  abuse. I requested a regulatory complaint be filed ; I also submitted an executive complaint. In addition, I requested a copy of their CRA file. On XX/XX/XXXX I received another message declining to comply with my requests. I am entitled to this information as per the Dodd Frank Consumer Protection Act of 2010. This company averted compliance to this Act. 
On XX/XX/XXXX I sent letters to five different regulatory agencies regarding this issue. 
I have no compliance from PayPal, just several declination responses. 
I would like an ACH chargeback to be completed for this purchase that was fraudulently intercepted after my instructions were sent to PayPal. 
PayPal has refused to complete this chargeback. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
Calls too numerous to list over the span of months from Harris & Harris Ltd. in XXXX, a debt collection agency. I have returned the call on several occasions ( out of frustration ) and established with them that their efforts are directed toward the wrong party. I gave name, address and birth date. Each agent that I spoke with assured me of an identity error on their part and that my number would be removed from their list. ( The last agent that I spoke with was Ms . XXXX. ) All to no avail. The calls continue at a pace of every 3 or 4 days. I was told that they are collecting fees for a City of XXXX XXXX delinquent parking ticket associated with a car that I have never owned and registered to an address where I have never lived.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have disputed this erroneous information from XXXX XXXX and Bk chap XXXX before

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 2021-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have disputed this erroneous information from XXXX XXXX and Bk chap XXXX before

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
On XX/XX/2021, I called this company and spoke with 4 different people. Their company continued to hang up on me. When I finally got someone on the phone, I agreed to a settlement of {$980.00}, which is ridiculous because the original debt is XXXX. I gave the rep my card number 3 times, but they continued to say that the system wouldn't allow them to take this information. So I provided them with my husband 's bank information, routing and account number. After the rep took this information, she assured us that the payment went through and we will receive a letter in the mail in 7 days saying the debt was paid. She was extremely rude when taking our information. When the information was received, I asked for a confirmation number. She did not provide me with a number. I also asked if she could email me something saying the debt was paid. I commenced to give her my personal email. She said it wasn't working. I tried to give her my husband 's email, she said she couldn't use his. I tried to give her my work email, she said that she couldn't take that. So finally my personal email works. I check my email, but still not email from Midland. Today, XX/XX/XXXX, I checked the account for Midland and my balance still reads {$1400.00} as my balance. So that let 's me know that my payment was not received or didn't work. This has been a terrible experience with a debt collection agency. This has actually been the worst experience ever. This is a huge hindrance. I am working on my credit report and trying to settle somethings and this is not working out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have tried numerous times to have a bankruptcy that is reporting on my file removed as it is not mine. The company reporting it to you XXXX is frozen to my personal information due to fraud. So how is it possible this wrong information is reporting on my credit report. This is my last attempt to have it removed or I will be taking legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
In mid XXXX, I referred a friend to get a XXXX XXXX card for the {$100.00} promotion. They were approved for the card, and I received an email about getting the {$100.00} promotion on my next Chase bill. When XXXX passed with no promotion added to my rewards balance or credit added to my account, I called in. At that time, I was told the reward would take up to 8 weeks to complete. That would put me in mid XXXX. On XX/XX/XXXX, I called back into Chase, and it was stated a ticket needed to be created for an escalation. Today XXXX XX/XX/XXXX ) I called back in and was told there is no update, and new case would need to be created. That case would take a week or more to complete.

Company response to consumer: Closed with explanation