vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-25 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Letter of Complaint : Refuse to Validate Debt For over two years, I have been disputing this debt. Validation letters have been sent to Ive disputed the debt with XXXX, XXXX XXXX, Equifax, as well as XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. I requested proof of validation. So far, none of the companies have been able to provide such proof to me. I have sent multiple follow-up letters to each of the companies, and there still is no proof. At this point, XXXX, Equifax or XXXX, no longer respond, or update the account. 

I have fully investigated my rights in this matter. Under the Fair Debt Collection Practices Act, if no proof is provided to me within 30 days, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates as evidence of my requests ( see enclosed ). Under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 
According to the Fair Credit Reporting Act, if the debt cant be verified within 30 days, then it must be removed. Telephone Communications with Equifax, XXXX  and XXXX  claim to have verified the debt, but this is, in fact not true under law. Simply contacting the alleged creditor, and asking them to match up numbers in their database, or or using the E Oscar System to input codes is not sufficient verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Citibank 's practices are egregious during a time of severe hardship when so many families have been pushed beyond the brink financially. 

I, luckily, am not one of those families. However, I have an account that has always had a XXXX limit. When going to pay my last bill I noticed that I no longer had XXXX ... I had XXXX. Literally {$60.00} dollars over what was currently being charged. They lowered my account for NO reason - no missed payments EVER - I'm always on time. This in turn lowered my credit score because it showed I did not have as much credit available as I previously did. It makes it look like I am utilizing all of my credit!

Citi is HORRIBLE and the way they treat their customers should be screamed from the mountaintops! 

Not only did the above issues arise but I had several bills set up to be paid on that card and once they UNKNOWINGLY to me cut my limit down to 11 % of what it was - I missed payments.

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 2020-06-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Prime Business Service, LLC
State: CA

Complaint narrative:
Letter of Complaint : Refuse to Validate Debt- Prime Business Service For over two years, I have been disputing this debt. Validation letters have been sent to Ive disputed the debt with XXXX, XXXX XXXX, XXXX, as well as XXXX XXXX XXXX, XXXX XXXX XXXX, and Prime Business Service. I requested proof of validation. So far, none of the companies have been able to provide such proof to me. I have sent multiple follow-up letters to each of the companies, and there still is no proof. At this point, XXXX XXXX XXXX XXXX, no longer respond, or update the account. 

I have fully investigated my rights in this matter. Under the Fair Debt Collection Practices Act, if no proof is provided to me within 30 days, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates as evidence of my requests ( see enclosed ). Under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 
According to the Fair Credit Reporting Act, if the debt cant be verified within 30 days, then it must be removed. Telephone Communications with XXXX, XXXX and XXXX claim to have verified the debt, but this is, in fact not true under law. Simply contacting the alleged creditor, and asking them to match up numbers in their database, or or using the E Oscar System to input codes is not sufficient verification. 


I want the account removed from my credit report immediately. Current Federal case law states that Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).

I want the account removed immediately, or I will be forced to seek legal remedies, under the Fair Credit Report Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 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: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I call Experian to Dispute this account ... And I requested Mov. Send letters Told them this was a fraudulent account. I sent them the identity report ... They told me I couldnt request the information. Im Asked them are you denying me this information, he said yes and I said if I contact the attorney general and CFPB they are going to say the Same thing. He said yes. This account is a charge off account but contains a late monthly payment That is not possible, please delete. This account is labeled a collection but it is reporting a past due balance delete immediately I have full faith in Experian to be an outstanding model company and will protect my rights under the FCRA, please delete This immediately ... XXXX XXXX XXXX A collection account can not have a past do Balance. I never had a payment arrangement on this fraudulent account. This is a violation of the FCRA .Please delete this account 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 2020-06-25 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: KY

Complaint narrative:
I was informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possibleXXXX XXXX {$12000.00} DEPTEDXXXX   XXXX {$10000.00} XXXX XXXX XXXX {$8500.00} XXXX XXXX   XXXX {$1200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I was informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.XXXX XXXX {$12000.00} DEPTEDXXXX   XXXX {$10000.00} XXXX XXXX XXXX {$8500.00} XXXX XXXX   XXXX {$1200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 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: AR

Complaint narrative:
I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off m {$8800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
XXXX # XXXX. 

Bought the Card in late XXXX. Visa gift card was compromised. On XX/XX/XXXX I got an email saying that a replacement card would be sent out within a maximum of 15 business days. It has now been 20 business days and I still have not received the replacement card. Their customer service is awful. Never do business with the black hawk network card carriers. Absolute crooks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Since XX/XX/XXXX, I have tried to communicate with Citi regarding the high fees of my credit card ( 19 % ). I explained that I am retired, very ill with serious medical issues and billing, living only on social security income and have been a loyal member with no issues since XXXX. They informed me that I should call after the holidays to request a lowered interest rate. Then COVID19 happened and things became very dire for me and my family. Job loss of  relatives who would help with my bills and so many other issues. I called Citibank every day the week of XX/XX/XXXX and was placed on hold for 2 hours each day. The calls would automatically end every time after waiting for two hours. I called early morning, late at night - and throughout the day hoping to get a slow time. I went on the website, communicated with the automated thing and received another number to call. But it was the same result - hang-ups, or " we can't help you, call this other number. '' I called the other number and long wait times. I went on the website again and requested assistance due to COVID. They said they would contact me after 7 days. They have not done so and I have been making weekly calls and messages on the app or website ( one or a combination of the other ). This has been abusive. My bill is now three times what it was previously and I can't pay. I am XXXX years old. Help!

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 monetary relief
Consumer complaint received 2020-06-25 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: AR

Complaint narrative:
I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off m {$8800.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off m {$8800.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian and XXXX  should not be reporting a collection/chargeoff in the amount of {$3900.00} on the XXXX/XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I contacted a representative with XXXX  to make payments on this account and I was told that the account had a {$0.00} balance. Currently this account is reporting a current balance. This account should be reporting a {$0.00} balance. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be updated to report a {$0.00} balance and/or be removed from my credit report. I have contacted the bureaus to correct this however, I have not been successful.

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 2020-06-25 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: CITIBANK, N.A.
State: UT

Complaint narrative:
Macys XXXX : This account was paid off and they kept sending me a bill each month. I tried through numerous attempts to get them to close my account, with their being no balance I would get a bill the next month with a balance. This should not be reporting on my credit report negatively.

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 2020-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX and Transunion should not be reporting a collection/chargeoff in the amount of {$3900.00} on the XXXX/XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I contacted a representative with XXXX  to make payments on this account and I was told that the account had a {$0.00} balance. Currently this account is reporting a current balance. This account should be reporting a {$0.00} balance. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be updated to report a {$0.00} balance and/or be removed from my credit report. I have contacted the bureaus to correct this however, I have not been successful.

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 2020-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Hello, I have sent several letters to PRA, LLC asking that they provide method of validation for a debt they claim I owe and has been reported to the credit reporting agencies. I have also requested that they send me original documentation that has my proof of signature for such account. 

Intern, the company responds back claiming they 'verified ' the debt with the original creditor and it appears to be accurate. They told me that at the time of sale, the Seller provided an electronic file of the business record containing such information concerning the account. All they have provided me is a summary that was hand typed and some old statement from the creditor I would have to assume. There was no proof of the original creditor validating or certifying the debt. Nor did I receive documentation from the original creditor that has my signature on it. PRA has not 'Validated ' that the debt they claim to be mine. I am looking for 1 ) Method of Validation - who certified ( validated such debt ), contact information and the original documentation that has my signature on it. I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all
documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. Please find attached responses from PRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Capital One Auto XXXX - This was part of my divorce decree that my husband was to pay for this vehicle. I went outside one day and my car was at the impound. I paid the rest of the loan off and this should not be reporting on my credit report as my debt. This was declared his financial obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: OneMain Finance Corporation
State: NC

Complaint narrative:
XXXX, Disputes/Fraud Dept. of XXXX XXXX EST on XX/XX/2020, could not see or would not admit she sees, on her end, XXXX credit report reporting on XX/XX/2020, that Springleaf account connected to fraud complaint # : XXXX, reads as to this day, in bold, black letters, that this Springleaf account is marked CLOSED. XXXX  then can not see, or will not admit to see, their own data. This is a big accountability/logistics problem in itself. This is the second CRA that could not or would not see a creditor account as closed. See attached screenshots.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-25 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: IL

Complaint narrative:
Equifax is incorrectly reporting an account where I am shown as an Authorized User on XXXX  XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
An important letter in regards to billing and balance issues was mailed to an address I do not reside at in XX/XX/XXXX. I received no phone contact regarding resolutions for that outstanding balance from CITI. 

Due to COVID I was unable to receive that important hardcopy letter until XX/XX/XXXX when it was considered safe/allowed to travel according to the XXXX of California. During the pandemic ( XXXX through XXXX months, the most dangerous in California ), CITI sold the account to a debt collector. 

Debt Amount {$4700.00} Member since XXXX ( seven years history of good standing and payments ). 

During the pandemic, I have tried numerous times to get a hold of CITI customer service department at XXXX* but had to wait online for long periods of time without being connected. Thus, I was unable to resolve the issue with my account or even to suspend payments due to COVID. At that point I would have been able to work out a solution as well.

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 2020-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
I received an alert from XXXX  that I had a collection on my credit report. I called the Kimball, Tirrey, and St. John and advised them that I do not owe this and was told to send a letter to them advising that I do not owe the amount that was on my credit. I sent the letter to them and received no response. I was never sent a letter of collection from them at all. I contacted the XXXX XXXX XXXX   and Kimball, Tirrey, and St. John advised that they would send a letter to me of what was owed and I did not receive that letter. This is fraudulently on my credit and I advised them of this and the amount still remains. I need this deleted from my credit and a deletion letter issued to myself as soon as possible.

Company response to consumer: Closed with explanation