vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-08 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: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
On XX/XX/2021, I called XXXX to open an investigation concerning an item on my credit report from Spring Oaks Capital for a XXXX XXXX credit card. I advised the representative at XXXX that I had not received a letter prior to this item being added giving me the option to request validation and verifcation of said debt. Because I wasn't given the option to dispute with the collection agency before it being added to my report, I asked XXXX to investigate. I logged into my XXXX XXXX app and saw that XXXX has updated this dispute as valid. It has been nine business days so how is this possible? Also, I never received anything in writing proving this was verified. XXXX did not initiate the dispute in my opinion because why has it updated in nine business days as " Meets FCRA requirements ''? I am now requesting this item be removed from my credit report until an investigation is completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
On XXXX I sent a letter disputing the erroneous account with the creditor COMNWLTH FIN for the amount {$110.00} stating that the information that they are reporting on my credit report does not belong to me.I 've requested that they send me the information to validate this debt each time I've requested the information I never received it. 

Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: KY

Complaint narrative:
( Credit Bureau Systems ) at ( po box XXXX XXXX, KY XXXX ) has been sending me collection notices in the amount of ( {$170.00} ) the collection opened XX/XX/2017 has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Someone attempted to open a capital one credit card in my name and it was declined. However, the hard inquiry is on all 3 of my credit reports. I have notified all the bureaus and put a freeze on all my accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX 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 2022-01-08 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: FL

Complaint narrative:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-08 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX I XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
This account was paid and closed. According to FCRA laws this account meets the requirement to be removed from all 3 credit bureaus immediately due to age.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 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: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
Caliber Home Loans Continues to report incorrect information that is damaging to XXXX  score and reduced our ability to get approved for a loan and caused creditors to deny us credit and has delayed the buying of our horse barn warehouse and has postponed our development. 

See attachment from XX/XX/2022. 

Caliber has not reported my on-time payments for XXXX and XXXX and made a mistake and marked XXXX 30 days late, and the ending month balance is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have file disputes with exuifax XXXX and XXXX and hitting rock bottom with all 3 like talking to brick wall and credit scores should be in middle XXXX 's not low XXXX never missed any payments and im tired. Of being treated like little child and i refuse to accept a loan from subprime lenders im not Donald Trump and im not made of money credit bureau dont want do anything dispute the errors on my report and refuse to remove hard inquiries i dont recognize i feel i have no choice but contact you i dont know what else to do

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Chime Financial Inc
State: FL

Complaint narrative:
I have an on line bank account with chime my social security checks are direct deposit in my spending account. They offered me their credit builder credit card I was told I put amount I want to spend on card and that's what's available but that not how it works I called them and I was told they took XXXX from my checking on XX/XX/XXXX so that was available to spend but then XX/XX/XXXX was a new statement so they took out of my money in credit builder because said I owed them because even though all my check was put in XXXX was new month took XXXX that I spent when my money was available. It is made to be confusing they took my money and I want to close account and I want my security deposit back it's my rent money and chime couldn't explain why other then month before I had put more money in but as a secured credit card that's not right I did not go over my limit I put money in to pay bills and they took money for bills 2 days after I put it in there

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
Debt collector agency Midland Credit Management ( TM ) sent a 'Final Notice ' to the referenced consumer, regarding an alleged debt for a credit account. In the final notice, Midland Credit threatened a potential lawsuit/attorney review if the consumer did not reply by a certain time ( XX/XX/2021 ). Garnished wages and damages to the referenced consumer 's credit report were also threatened. Midland Credit said that the referenced consumer owed { {$2900.00} }, but also displayed that they were the sole owner of the debt. Midland Credit did not receive permission to communicate with the consumer on any occasion, in any form ( telephone, email, etc. ). Lastly, Midland Credit did not provide the referenced consumer with notice of opportunity to dispute the alleged debt. These are violations under U.S. Code Title 15, Chapter 41. The referenced consumer sent an Affidavit of Truth to Consumer Report Services/Midland Credit Management , as well as an invoice regarding the violations/damage incurred to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 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: FL

Complaint narrative:
My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting 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 2022-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting 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 explanation
Consumer complaint received 2022-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP
State: CA

Complaint narrative:
This account was paid and closed. According to FCRA laws this account meets the requirement to be removed from all 3 credit bureaus immediately due to age and fraudulent activity

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 2022-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Repeating daily 7am calls

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 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: IN

Complaint narrative:
I have file disputes with XXXX XXXX and transunion and hitting rock bottom with all 3 like talking to brick wall and credit scores should be in middle 700 's not low 500 never missed any payments and im tired. Of being treated like little child and i refuse to accept a loan from subprime lenders im not Donald Trump and im not made of money credit bureau dont want do anything dispute the errors on my report and refuse to remove hard inquiries i dont recognize i feel i have no choice but contact you i dont know what else 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 2022-01-08 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have file disputes with XXXX  experian and XXXX and hitting rock bottom with all 3 like talking to brick wall and credit scores should be in middle XXXX 's not low XXXX never missed any payments and im tired. Of being treated like little child and i refuse to accept a loan from subprime lenders im not Donald Trump and im not made of money credit bureau dont want do anything dispute the errors on my report and refuse to remove hard inquiries i dont recognize i feel i have no choice but contact you i dont know what else 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 2022-01-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This account is fraudulent and according to FCRA laws this account meets the requirement to be removed from all 3 credit bureaus 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 2022-01-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
( GLA COLLECTIONS ) at ( XXXX XXXX XXXX  XXXX KY XXXX ) has been sending me collection notices in the amount of ( {$680.00} ) the collection openedXXXX has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX 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 2022-01-08 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX 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 2022-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX Continues to report incorrect information that is damaging to fico score and reduced our ability to get approved for a loan and caused creditors to deny us credit and has delayed the buying of our horse barn warehouse and has postponed our development. 

See attachment from XX/XX/2022. 

XXXX has not reported my on-time payments for XXXX and XXXX and made a mistake and marked XXXX 30 days late, and the ending month balance is wrong.

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 2022-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
Paypal closed my account for no reason and will not help me getting it back up and going. 
I am not sure if this is a mistake as I assume it has to be. I have not been able to get help from them for a long time. But I could just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used Paypal quite frequently. My email linked to my Paypal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Colony Brands, Inc.
State: CA

Complaint narrative:
This account is fraudulent and according to FCRA laws this account meets the requirement to be removed from all 3 credit bureaus immediately. Along with age of the account for removal. Ive reached out to the company and was informed it has closed permanently

Company response to consumer: Closed with explanation