vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-19 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: I.C. System, Inc.
State: OH

Complaint narrative:
On XX/XX/2020, I C SYSTEM added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. 

They did not verify this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. 

According to the FCRA, I C SYSTEM has violated my rights as a consumer multiple times and I'm requesting legal action to remove this account 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 2022-02-19 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: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I have several inquiries on my report that is not mine. I have contacted the companies, XXXX, and XXXX to try and have it corrected but no action as of yet. I could really use your help to correct these fraudulent inquiries. 

XXXX = XXXX XXXX XXXX XXXX = XXXX XXXX XXXX XXXX XXXX XXXX XXXX = XXXX. XXXX XXXX XXXX XXXX XXXX XXXX = XX/XX/XXXX XXXX XXXX XXXX =XXXX. XXXX XXXX XXXX = XXXX. XXXX XXXX XXXX = XXXX XXXX = XXXX. XXXX XXXX Synchrony Financial = 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 2022-02-19 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: CA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX days late in XXXXXXXX XXXX, XX/XX/2021, and XX/XX/2021. 

XXXX XXXXXXXX XXXX XXXXXXXX - Correction of billing errors ( XXXX ) Billing error For the purpose of this XXXX XXXX a billing error consists of any of the following : ( XXXX ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( XXXX ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( XXXX ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( XXXX ) Failure to transmit the statement required under section XXXX ( XXXX ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than XXXX days before the end of the billing cycle for which the statement is required. 
( XXXX ) Any other error described in regulations of the Bureau.

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 2022-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
In XX/XX/XXXX, I purchased an airline ticket for a flight to XXXX, XXXX. The flight was expected to be in XX/XX/XXXX. However, covid 19 happened. The airline stated that they would give a voucher before they shut down flights. The airline was shut down from that point until XX/XX/XXXX. However, when they resumed flights, they announced that they no longer fligh to the United States. They strictly are flying within XXXX. As a result, the flight voucher is of no use to me. I tried contacting XXXX XXXX XXXX  multiple times via telephone and then via email as directed by their site to request a full refund. I have not been able to reach a single person! Nor have I received an email other than a confirmation that they received my full refund request. So, to remedy the situation, I contacted my credit card company ( CapitalOne ). I called once in XX/XX/XXXX and filed a claim and hadn't heard anything. So, I called again in XX/XX/XXXX to see how things were going and was told that the representative I spoke with never even put in my request. I filed another claim in XX/XX/XXXX, and they are now telling me I am too late to dispute the claim. Which is ridiculous! I had no idea that I wouldn't be able to use/redeem the voucher until a couple of months ago because, like every other company in this time, they strung me along for an entire year. In addition, now that I am trying to get my money back, they are not responding. CapitalOne should be accommodating because this is no fault of my own. Yet, they want to keep the money and say that it is out of their hands because of some timeframe set by federal regulation. Any said timeframe should be obsolete! No one knew covid 19 would happen nor how to handle the repercussions of the event. It's been about a year ; the company should have something put into place by this time for situations such as this. But, they are telling me that I need to contact the federal government. I am virtually out of {$1800.00}. At this point, it feels like the money has been stolen from me. This is utterly unfair and basically criminal! Please assist me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
This account with CAPITAL ONE with account number XXXX, has been paid, and thus, it should be removed from my credit report. There is no longer any balance on it and it has been closed. I have reached out to the XXXX, XXXX and XXXX Bureaus and to the furnisher but no response was ever made by both of them. They have neglected my request of giving me a response or deleting this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Corp Solutions Inc.
State: PA

Complaint narrative:
After the reviewing of my XXXX consumer report on XX/XX/2022. Credit Corp Solutions collection agency is listed as derogatory item. With a balance of {$990.00}. I have not received any letter in the mail or phone call in validation of this debt. I reside in the State of Pennsylvania which confirms that licensure is required to collect debt. Credit Corp Solutions does not have a license to conduct business in the state of Pennsylvania.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX / 90 DAYS LATE 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.

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 2022-02-19 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: NJ

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my XXXX consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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: CCS Financial Services, Inc.
State: OH

Complaint narrative:
On XXXX XXXX, 2021, CREDIT COLLECTION SERVIC added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. 

They did not verify this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. 

According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer multiple times and I'm requesting legal action to remove this account immediately!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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: MS

Complaint narrative:
I have tried to fix an on going issue with the company and I have not receive any resolve. I reported Identity theft in 2019. There after they allowed the same companies and the same person affect my credit report without verifying through me. These companies never sent me any correspondence because they didnt have my information. They obtained the information from the credit bureaus. They only had my social but nothing else because the person who stole my identity theft used their address. I never lived in California so why do I have california addresses and accounts associated with them on my report. Also I have been denied credit and thats against the law for my credit should be equitable to me the consumer. No bad debt should be reported without my written consent.

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 2022-02-19 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 Profit Recovery, Inc., Marlborough, MA Branch
State: OH

Complaint narrative:
On XXXX XXXX, 2019, AMERICAN PROFIT RECOVERY added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. 

They did not verify this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. 
According to the FCRA, American Profit Recovery has violated my rights as a consumer multiple times and I'm requesting legal action to remove this account immediately!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Spring Oaks Capital, LLC
State: KY

Complaint narrative:
XXXX needs to immediately stop trying to collect and report on this debt that is not owed and at no point ever did I owe the amount they are trying to collect. The account was resolved with XXXX XXXX. I sent an email requesting validation of the debt and no response was provided now about a year later they have started reporting the debt on my credit report of which it needs to be removed immediately or legal actions may be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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: CMRE Financial Services, Inc.
State: OH

Complaint narrative:
On XXXX XXXX, 2018, CMRE Financial Services added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. 

They did not verify this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. 

According to the FCRA, CMRE Financial Services has violated my rights as a consumer multiple times and I'm requesting legal action to remove this account immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: MO

Complaint narrative:
I have an account with Chrysler Capital with the account number XXXX. The dates where it shows that I am late in making my payments were an error. I have not received any billing information from them or any notification stating that I am late. I have reached out to XXXX, XXXX and XXXX Bureaus and furnisher but I have not received any forms of response from both parties. Thus, I am sending this complaint to seek help and assistance for me to have this account updated into positive and remove all the late statuses.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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: MS

Complaint narrative:
I have tried to fix an on going issue with the company and I have not receive any resolve. I reported Identity theft in 2019. There after they allowed the same companies and the same person affect my credit report without verifying through me. These companies never sent me any correspondence because they didnt have my information. They obtained the information from the credit bureaus. They only had my social but nothing else because the person who stole my identity theft used their address. I never lived in California so why do I have california addresses and accounts associated with them on my report. Also I have been denied credit and thats against the law for my credit should be equitable to me the consumer. No bad debt should be reported without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southern Management Systems Inc.
State: TN

Complaint narrative:
After living at a college apartment for a fews years i found myself in trouble paying my rent while attending school. me and the property manager were very close, so several months before getting evicted the manager asked me to attend a meeting with her and a former employee. this meeting was set in place to ask me to work for them to clear my debt with them, she understood i had been there for awhile and was willing to exchange services. the apartment was transitioning to a new name and they needed marketing pictures and video and because i'm a professional photographer she saw an opportunity for the both of us. weeks went by and i stopped hearing from her. she stopped messaging me and later that caused me to become evicted. i was done wronged and manipulated, because she left her management position with no notice. this was in XXXX. 

Southern Management Systems ( the furnisher ) had been communicating with me and as a young individual i had no clue on how to deal with this unfairness. i was told many times by the collector to talk to the apartment complex in which i did. that wasn't helpful because they kept telling me there was nothing they could do. i finally wrote a letter to the furnisher to dispute what i felt was an unfair collection. i mailed full details showcasing conversations i had with the manager and the dates and times. this dispute letter was mailed XX/XX/XXXX. i know they have 30 days to respond to the dispute so i waited and waited to only find out on XX/XX/XXXX that they did not have my information and files anymore and that it was sent back to the apartment complex! that was very disturbing. i asked for more information, and they knew nothing at all and told me to call the apartment because they couldn't help anymore. 

XX/XX/XXXX the apartment manager remembered me and expressed how confused she was about the situation and that she knew nothing about it. the same day i received an email from the apartment manager that said " this was an agreed judgment for possession. according to my notes, {$1300.00} was owed as of XX/XX/XXXX '' the apartment manager told me that she hasn't spoken with the collector on their reasoning for them sending it back and to reach out to their attorney. XX/XX/XXXX i reached out to the apartment attorney and was only able to leave a detailed message. it has been a few days now with no call back. i have been dealing with this for a long time with no one willing to give me proper information. 

p.s i renewed my lease and never received my incentive for doing so. they continued to act as if they didn't have the cruise tickets i was suppose receive. i will attach the promotion that states what the portion is for. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX / {$0.00} XXXX XXXX XXXX / {$730.00} XXXX XXXX XXXX XXXX / {$1500.00} XXXX / XXXX / {$0.00} XXXX XXXX  XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXXXXXX - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the XXXXbusiness-day period beginning on the adate on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( XXXX ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( XXXX ) and before the end of the period referred to in paragraph ( XXXX ) ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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: CITIBANK, N.A.
State: SC

Complaint narrative:
I have several inquiries on my report that is not mine. I have contacted the companies, XXXX, and XXXX to try and have it corrected but no action as of yet. I could really use your help to correct these fraudulent inquiries. 

XXXX = Citibank NA XXXX XXXX = XXXX XXXX XXXX Citibank NA XXXX XXXX = XXXX. XXXX XXXX Citibank NA XXXX XXXX = XX/XX/XXXX XXXX XXXX XXXX =XXXX. XXXX XXXX XXXX = XXXX. XXXX XXXX XXXX = XXXX XXXX = 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 2022-02-19 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: Lendmark Financial Services
State: SC

Complaint narrative:
I have several inquiries on my report that is not mine. I have contacted the companies, XXXX, and XXXX to try and have it corrected but no action as of yet. I could really use your help to correct these fraudulent inquiries. 

XXXX = XXXX XXXX XXXX XXXX = XXXX XXXX XXXX XXXX XXXX XXXX XXXX = XXXX. XXXX XXXX XXXX XXXX XXXX XXXX = XX/XX/XXXX Lendmark Financial S XXXX. XXXX XXXX XXXX = XXXX. XXXX XXXX XXXX = XXXX XXXX = XXXX. XXXX XXXX XXXX XXXX = XXXX. XXXX XXXX

Company response to consumer: Closed with explanation