vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-16 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I had checked my credit report on XX/XX/XXXX and saw an unfamiliar credit card on my record. It stated it was an Amex card ( number starting with XXXX... ) It was opened in XX/XX/XXXX. The current amount balance is {$29000.00}. At one point that highest balance was {$72000.00}. After calling American Express, I learned that it is a personal credit card and I am listed as an authorized card user and not the main card holder. They had at least added my name and social security info. I had call 3 credit bureaus on XX/XX/XXXX ( XXXX, XXXX, XXXX ) and they will be investigating this issue. In the mean time, I had the credit bureaus put a credit alert and credit freeze moving forward. I had spoken to Amex again on XX/XX/XXXX and will said they will be investigating this issue as well and will see if they can remove me on this account. I'm just afraid that whoever is using my information will try to do damage on my identity and credit. Amex was unwilling to share the information of the main card holder.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated
State: MS

Complaint narrative:
I have spoken to someone from XXXX XXXX XXXX in the past & told them that the account was not mine, I did not apply for a loan, the information they had on me was not mine. I asked them several times to remove it. I did not find out they referred the account to an collection agency until I applied for a housing loan & was denied due to the collection agency Consumer Adjustment Company being on my credit report. I had no knowledge of this collection agency or any contact information to call/email them. I filed a XXXX compliant on Consumer Adjustment Company , INC. collection agency. I received a response from them within 2 days. CACi told me they reached out to the credit reporting agency back on XX/XX/2021 that the account was closed in their office & remove the account from my credit report. They agreed to send a second notification to the credit reporting agency to remove account from my credit report. With that being said I would like to file a compliant on XXXX XXXX XXXX, Consumer Adjustment Company , INCXXXX & the credit reporting agency. I lost money applying for a housing loan & being denied due to this negative account on my credit report. I have to start the whole process over again. This is not fair. Something should be done about these companies causing problems like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
A couple weeks ago I lost my wallet with my social and debt card in it. 3 weeks later it was fraud found on my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: CA

Complaint narrative:
MY NAME IS XXXX XXXX AND I'VE BEEN TRYING TO GET INCORRECT LATE PAYMENTS REMOVED OFF OF MY CREDIT REPORT THAT ARE AFFECTING MY CREDIT PROFILE AND STOPPING ME FROM BEING ABLE TO PURCHASE A NEW HOME FOR MY FAMILY. I'VE REACHED OUT TO THE CREDIT BUREAUS BUT HAVE NOT BEEN ABLE TO GET THIS SITUATION HANDLED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: CA

Complaint narrative:
MY NAME IS XXXX XXXX AND I'VE BEEN TRYING TO GET INCORRECT LATE PAYMENTS REMOVED OFF OF MY CREDIT REPORT THAT ARE AFFECTING MY CREDIT PROFILE AND STOPPING ME FROM BEING ABLE TO PURCHASE A NEW HOME FOR MY FAMILY. I'VE REACHED OUT TO THE CREDIT BUREAUS BUT HAVE NOT BEEN ABLE TO GET THIS SITUATION HANDLED.

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 2021-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Back in XX/XX/2021 my car was charged fraudulently by XXXX i reached out to my Wells Fargo they credited me after a few weeks i received a later implying they saw the error and it was permanent next day funds are removed account negative these charges were fraud i am not responsible

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 2021-09-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Herbert P. Sears Co., Inc.
State: CA

Complaint narrative:
I take care of my responsibilities. I am escrow when all of a sudden this unknown to me collection account appears of my credit. It says the debt was originated from XXXX XXXX. I have never been to a XXXX XXXX nor have i ever had any wok done by them or any of their affiliates- I also have XXXX insurance. 

That said, HP Sears has placed an unverifiable debt on my credit. I have sent them a dispute and i have been ignored. Account Number 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 2021-09-16 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: FL

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: GA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown items on my credit report. I have not received a response yet and it has been 30 days. Please remove these inaccurate items that were originally disputed on the date above from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Outsource Group, Inc
State: MD

Complaint narrative:
MediCredit, which is a collections company working for XXXX XXXX XXXX XXXX in Maryland reports individual charges on my credit report as separate accounts. So I had a couple of visits to this 1 hospital in XXXX  and had a dispute with them about the charges. After awhile I gave up trying to dispute the charges. In the meantime, they had sent the owed medical charges over to MediCredit and that company reported it on my credit report as 3 different and separate accounts EVEN THOUGH they only have it under 1 account in their system.

By reporting this as 3 different accounts in collections ( all paid off ) on my credit report, it more severely negatively affects my credit score than if t
hey reported it as 1 account, which would be more appropriate.

A fair resolution to this issue would be to only report this debt owned as 1 account and not 3 or 4 or whatever.. They shouldn't be doing this to people. Especially when health care costs are already out of control and this affects those who can least afford it. 

Other companies don't report each individual charge or visit to their business as a separate account and neither should the hospital nor MediCredit!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is my THIRD letter to Experian, XXXX, and XXXX since XX/XX/2021. I am a victim of identity theft. I have been scammed and this is hurting me financially. 
I reviewed my credit reports. I am really confused because there are STILL fraudulent items that arent mine on there! Ive listed the details that need to be deleted right away due to identity theft. Im not sure who stole my identity but I need this resolved immediately. I am receiving generic letters saying the information remains? Why would an account opened as a result of identity theft remain on my profile? I dont get why theres still fraudulent items and a date of birth on my credit report. Its really bad.

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 2021-09-16 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: OK

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
On XX/XX/21 I sent a letter regarding inaccurate and unknown item on my credit report. I have yet to receive a response to my request. Section 611 ( a ) plainly states that a failure to investigate this items within 30 days gives a reason to immediately remove these items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: AL

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Hi my name is XXXX XXXX and im submitting this complaint myself. There is no third party involved. I entered a consumer credit transaction with this Navy Federal and extended them my credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale.

Navy Federal have been calling multiple times at various hours and even on the weekends as well as texting and emails when im at work and inappropriate times, I have proof of the calls logs from the number XXXX. This is harassment. 

Ive sent a debt validation and affidavit to the CFO and it would also be uploaded here. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.

Navy Federal have been violating my rights per the FDCPA and their policies state that they put the consumer 1st. 

I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. 

They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail carrier or any person affiliated with the mail service or comes in contact with the envelope thats alleging I owe a debt.

This dispute is specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA
), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. 

ACCOUNT # : XXXX, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is " XXXX XXXX XXXX '', I am sending this request myself for you to seek your help and assistance about the flaws reporting on my Equifax Report. I am not linked to any credit company or any of its kind. I have been sending letters and reaching out to Equifax, asking them to address my concern and for them to furnish me with any legal documents that validate their judgments. However, my request has been neglected. I haven't heard any reply from Equifax and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the inquiries Equifax failed to verify : XXXX/XXXX  Date of inquiry XX/XX/2021 XXXX  Date of inquiry XX/XX/2021 XXXX XXXX  XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: CA

Complaint narrative:
This is my THIRD letter to XXXX, XXXX, and Transunion since XX/XX/2021. I am a victim of identity theft. I have been scammed and this is hurting me financially. 
I reviewed my credit reports. I am really confused because there are STILL fraudulent items that arent mine on there! Ive listed the details that need to be deleted right away due to identity theft. Im not sure who stole my identity but I need this resolved immediately. I am receiving generic letters saying the information remains? Why would an account opened as a result of identity theft remain on my profile? I dont get why theres still fraudulent items and a date of birth on my credit report. Its really bad.

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 2021-09-16 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:
This is my THIRD letter to XXXX, Equifax, and XXXX since XX/XX/2021. I am a victim of identity theft. I have been scammed and this is hurting me financially. 
I reviewed my credit reports. I am really confused because there are STILL fraudulent items that arent mine on there! Ive listed the details that need to be deleted right away due to identity theft. Im not sure who stole my identity but I need this resolved immediately. I am receiving generic letters saying the information remains? Why would an account opened as a result of identity theft remain on my profile? I dont get why theres still fraudulent items and a date of birth on my credit report. Its really bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Direct Recovery Services, LLC
State: IN

Complaint narrative:
I received a call and voicemail from XXXX ( a XXXX  number ) and the voicemail stated someone else 's name and said their debt collection client was demanding a decision for repayment. I am not the named person in the voicemail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/XXXX & XXXX, I called USAA about fraudulent activity on my account. I was trying to get a loan and had to provide certain information so that the company could verify my direct deposit. I have done this before on two other loans that I am currently paying on. With that said, the company was fraud, and they posted a apple check on my account and XXXX  themselves money. I have the emails and the fake application and loan information from the company. With that said, I immediate called USAA. They locked my account and proceeded to tell me that they were closing my account. I was fine with that however I am a XXXX XXXX XXXX XXXX  veteran and my only source of income in the amount of {$3200.00} was being set to that checking account on midnight XXXX XX/XX/2021 from the Department of Veteran Affairs. USAA told me that they would keep the money indefinitely and that i could not access the funds. They also stated that it will take 90 days for then to decide if I would receive the funds. In short, this is theft of assets by a bank without cause. The hardship this has caused me is irreversible. I have had to not pay my rent, car insurance, and other debts. My car insurance is through USAA and now that is being terminated. The bank insists they are a bank for service members and veterans. I have filed a civil lawsuit against USAA. The Department of Veteran Affairs has also filed a tracer claim against USAA. I have written my state representatives offices and the FBI. I have filed numerous complains against this Bank. Banks in the united states, can not just steal and hold money and the only source of income of an individual. They are not paying interest on this money and I do not have access to it. Please help. USAA have been doing this to veterans and service members for years. Please investigate their practices. Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX Checking account # : XXXX Attached is the company or fake company that caused this mess.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: SC

Complaint narrative:
As far as I know in 2018 my x of 18 years used my credit info to apply for a student loan from Dept of EdXXXX XXXX loans XXXX, for XXXX and XXXX, for XXXX, which I never approved or signed are on my credit report. I am on a fixed income due to XXXX and have no way to pay this loan, So I never would have agreed to it. 
The dept of EdXXXX sent me a copy and there is no signiture on it, so I'm assuming it was done ona computer ( Not Mine ). I have disputed these loan several times with the credit bureau ( s ) the results come back fast and loans are confirmed. I did Not apply or give my approval to apply for these loans. And dept of edXXXX won't remove these from my credit reports.

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