vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-19 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: U.S. BANCORP
State: TN

Complaint narrative:
On XX/XX/XXXX I bought a {$500.00} US Bank Visa gift card. Total cost was {$500.00}. When I opened the package the 3-digit security code on the back was missing or misprinted. I need this to assign a pin. I immediately called the number on the back of the card to get a replacement. I was told to fax three things : 1. front & back of gift card 2. government ID 3. statement of ownership I faxed this information on XXXX XXXX.

Two weeks from my first phone call I had not heard from US Bank. I called again today. I was told my fax was received but I need to send my purchase receipt. This was not requested before. No one at US Bank reached out to request this. They are treating me not as a customer but as a nuisance that should go away. 

Today I'm trying to fax again with a the additional documents but the fax fails before completion. 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 2023-06-19 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 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: NV

Complaint narrative:
For XXXX XXXX XXXX I have the right to contest any information on my credit report that I believe is inaccurate, per the Fair Credit Reporting Act. The data included in it must be documented and validated before it is shown to anyone else, because if not, then there will just have been one person who wasn't doing their job - which means more mistakes! I challenge the reportability of the allegations within my credit report. They simply are not true! My credit report is riddled with errors. I will not accept or recognize the allegations and claims within the report as true without further evidence, which meets both federal AND state requirements for reporting! Please remedy the situation immediately. Non-compliance with regulations and the law is never acceptable! The government is watching you like a hawk. They want to make sure that all your claims are accurate and reported in the correct format, which meets both METRO 2 standards as well as FCRA requirements! Im requesting evidence to show why my accounts are considered delinquent or derogatory. The data provided is not complete, accurate, or up-to-date, and I demand that it be corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-19 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: MD

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/ Please remove it from my credit report. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/ Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them 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 2023-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I always paid on time, and this giving me anxiety, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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 2023-06-19 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: Medical Delinquency Management, Inc
State: GA

Complaint narrative:
MEDICAL DELINQUENCY MANAGEMENT, INC. sent a letter ( attached ) for debt collection. 
- Need to verify Debt - Need to verify legitimacy of Debt collection agency - Agency has no working office phone number - Agency has no contact email - Agency is registered to a home address - Possible Fraud - No way to contact the agency other than P. O. XXXX XXXX : {$110.00} Account : XXXX XXXX  Date : XX/XX/2023

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 15 US-CODE 1692E FALS
E OR MISLEADING REPESENTATIONS-10 XXXXXXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 


. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number XXXX XXXX  Delete this account.

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX  Please remove it from my credit report. 1. The inquiry was not authorized ONXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. The inquiry was not authorized XXXX XXXX  XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

13. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it 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 2023-06-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion, XXXX, XXXX. All of these credit reporting agencies are reporting, inaccurate information on their reports without my written consent. According to 15 U.S. code 1681B. They are reporting late payments with XXXX, inaccurate addresses, as well as employers that I dont work for. I never gave them written consent to report my 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 2023-06-19 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: FL

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-06-19 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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 2023-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Account is in deferment. I have tried to dispute this with the agency and XXXX. I have proof. They will not fix.

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 2023-06-19 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: SC

Complaint narrative:
Account is in deferment. I have tried to dispute this with the agency and Experian. I have proof. They will not fix.

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 2023-06-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: AL

Complaint narrative:
The company I originally leased my car from, American Car Center, went bankrupt and sold their company loans to Westlake Portfolio Management. Theyre repoing peoples cars when we cant even sign up online to pay our car notes. They also are picking and choosing what part of our contracts we had with American Car Center they would like to uphold. How are they able to pick and choose or even demand we pay them when we dont have a contract with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: MO

Complaint narrative:
When I contact JEFFERSON CAPITAL SYSTEM they claim they can't find my account even though they keep validating their collection of debt through the credit bureaus. It is for a XXXX account that I closed years ago and was paid in full. The dates for the account and everything is wrong. I even had this same debt on my report from a different agency and successfully had it removed as valid but somehow Jefferson is able to continue reporting innaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: OK

Complaint narrative:
Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Collection Date Opened : XX/XX/2023 Status : Collection account. {$8900.00} past due as of XX/XX/2023. 
Status Updated : XX/XX/2023 Balance : {$8900.00} Balance Updated : XX/XX/2023 Original Balance : {$8900.00} Highest Balance : {$0.00} Terms : 1 Months I firmly assert that this account is not accurate, and I have never agreed to any financial responsibility associated with it. Furthermore, I have no knowledge of the debt in question and have never entered into any contractual agreements with Cavalry Portfolio Service. As such, I believe this account is erroneous and must be removed from my credit report. I have also provided substantial evidence that this said debt is related to identity theft as i have shared over 30 data breach cases with them as well as an Identity Theft.Gov report with the incidents explained. 

At this time I will also inform you that theyve listed my account as PAST DUE as of XX/XX/2023. This is not only incorrect but according to the FDCA, this is illegal as collection accounts can not be reported as having a past due balance. Being that their offices are reporting invalidated and unlawful recording information that goes against the law and my rights you must delete this account and report the deletion of this account. Their actions have constituted fraud under both Federal and State Laws. 

I have requested validation PROOF from this collector and they have failed to provide anything, however just a written notation to the credit bureaus stating the debt is valid. They've been asked to provide the following information and have failed on 3 attempts approaching 90 days. 

-What the money Cavalry Portfolio Service says I owe is for : -Proof of my wet signature accepting financial obligation for what they say I owe : -Explain and show me how they calculated what they say I owe : -Provide me with copies of any papers that show I agreed to them what they say I owe : -Provide a verification or copy of any judgment if applicable : -Identify the original creditor and provide original balance for services products or fees : -Prove the Statute of Limitations has not expired on this account : -Show me that they are licensed to collect in my state : -Provide me with their license numbers and Registered Agent or Agent of Service :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 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: NV

Complaint narrative:
I have filed a dispute for XXXX XXXX XXXX to either update or remove all inaccurate information. Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Dankos Gordon & Tucker PC
State: VA

Complaint narrative:
In XX/XX/XXXX I moved into the XXXX XXXX XXXX and prior to closing or anytime thereafter I was not provided with a copy of my HOA guidelines. Nor I have I signed any guidelines in agreement with my HOA. Per Virginia state Real Estate law, the seller is responsible for providing a copy of the HOA bylaws prior to closing and they must be signed. If not, the sales transaction can be deemed as unlawful. 

In late XX/XX/XXXX, I received a notice indicating that my HOA dues were past due. I immediately sent a payment on XX/XX/XXXX for an amount of {$260.00}. As of today, XX/XX/XXXX, I received a letter from an attorney 's office of XXXX, XXXX and XXXX requesting a total amount of {$2600.00} ( {$2000.00} pro-rated HOA dues, {$520.00} attorney fees and an interest rate of 18 % ). I was advised that as part of the HOA bylaws the pro-rated amount for HOA dues can be requested. At no prior point was I made or aware or agreed to those terms as I never received a copy of my HOA by-laws which would detail this information. 

As a result, I do not think the terms of this collection notice is legal, and I would like this investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc.
State: VA

Complaint narrative:
*THIS IS NOT A DUPLICATE COMPLAINT* *THIS COMPLAINT IS IN RESPONSE TO COMPLAINT # XXXX I am writing to request debt validation for the account number XXXX, which your company, XXXX XXXX XXXX, acquired from XXXX XXXXXXXX XXXX XXXX XXXX  with balances of {$1200.00} & {$240.00}. As the account holder, XXXX XXXX, I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

To ensure the accuracy of the debt, I kindly request the following information and documents : 1. Copies of all statements and invoices associated with the account, including a detailed breakdown of charges, interest, and fees.

2. Proof of the original agreement between XXXX XXXX XXXX XXXX XXXX and myself, XXXX XXXX, establishing my liability for the debt. 
3. Verification of XXXX XXXX XXXX ' license to collect debts in [ insert your state ]. 

Please provide the requested validation within 30 days, as mandated by the FDCPA. Until the requested information is received, I expect all collection activities and credit reporting pertaining to this debt to be suspended. 

Kindly respond to this request in writing and use written communication for any future correspondence regarding this matter. 

Thank you for your prompt attention to this request. I look forward to your timely response and the provision of the requested documentation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
I was sent a letter stating that I did not have sufficient flood insurance but my loan servicer, Pennymac. I submitted documents that showed I did have the the proper insurance and they are billing me through some insurance company they hired. 

No response from the company. They are difficult to deal with. Have have poor customer service. I am sure you have heard this before about them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 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: FL

Complaint narrative:
XXXX, Equifax, XXXX. All of these credit reporting agencies are reporting, inaccurate information on their reports without my written consent. According to 15 U.S. code 1681B. They are reporting late payments with XXXX, inaccurate addresses, as well as employers that I dont work for. I never gave them written consent to report my information.

Company response to consumer: Closed with explanation