vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AES/PHEAA
State: SC

Complaint narrative:
Alleged Balance : {$43000.00} Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

This is NOT a request for " verification '' via E-Oscar or proof of my mailing address but a request for VALIDATION of the above named Title and Section of the Fair Debt Collection Practices Act.

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated.

If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-02 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: FL

Complaint narrative:
This is not a credit reporting agency. I am a victim of Identity theft. There are things on my credit reports that indicate this. The companies that I am reporting inquiries are : ( XXXX XXXX Furnishing, XXXX and XXXX  ). The identity theft accounts are : XXXX XXXX XXXX ( 4 accounts ), XXXX XXXX Bank, XXXX XXXX XXXX XXXX XXXX Co, XXXX XXXX. The unknown collection accounts are : XXXX XXXX XXXX ( twice ) and XXXX XXXX XXXX XXXX XXXX XXXX WOW. These collection creditors have not supplied proof under the doctrine of estoppel by silence Englehardt v. Gravens ( MO ) 281 SW 715 719 I may presume that no proof of the alleged debt nor therefore any such debt in fact exists. 

I am asking XXXX, XXXX  and TRANSUNION to ensure they remove these erroneous items. I am being prevented from obtaining employment because of the items on my report. I will obtain legal action if they aren't removed immediately. All of the items are inaccurate and unverified.

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 2021-06-02 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: FL

Complaint narrative:
This is not a credit reporting agency. I am a victim of Identity theft. There are things on my credit reports that indicate this. The companies that I am reporting inquiries are : ( XXXX XXXX Furnishing, XXXX and XXXX  ). The identity theft accounts are : XXXX XXXX XXXX ( 4 accounts ), XXXX XXXX Bank, XXXX XXXX XXXX XXXX XXXX Co, XXXX XXXX. The unknown collection accounts are : XXXX XXXX XXXX ( twice ) and XXXX XXXX XXXX XXXX XXXX XXXX WOW. These collection creditors have not supplied proof under the doctrine of estoppel by silence Englehardt v. Gravens ( MO ) 281 SW 715 719 I may presume that no proof of the alleged debt nor therefore any such debt in fact exists. 

I am asking EQUIFAX, XXXX  and XXXX  to ensure they remove these erroneous items. I am being prevented from obtaining employment because of the items on my report. I will obtain legal action if they aren't removed immediately. All of the items are inaccurate and unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: The Best Service Co.,Inc
State: CA

Complaint narrative:
The best service co. didn't want to provide proof that I owed this debt. I asked for validation of debt and they refused to provide. They told me they were going to sue me. A year or so later they put a levy on my bank account without my knowledge. I don't believe I owe this debt since I had lost my purse with all my credit card, bank cards etc.. in it. I believe the best service co sued me through the XXXX court.

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 2021-06-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am writing today in regards to my account with Capital One Bank USA Account # XXXX. The reason for writing today is in regards to the late payments which are showing on my report in XX/XX/2020 and XX/XX/2020, due to Covid I was unable to make the payment in XX/XX/2020 and XX/XX/2020. As soon as I was able to, I got my payments made and caught up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: First Credit Services Inc.
State: MS

Complaint narrative:
XXXX  is reporting this account on my credit report. They have re-aged the date of last activity and is reporting the date of last activity as XX/XX/2021. under FCRA 605 ( C ) running of the period it is a consumer protection under the FCRA VIOLATION to try and re-ag an account by updating the date of last activity on my credit repot in hopes of keeping negative information on my account longer. this violation is sueable by XXXX in fines. 


i have uploaded my credit report for XXXX, XXXX and XXXX. in all three reports they have constantly re-aged the date of last update.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have reached out to XXXX multiple times since XXXX to resolve this issue. I have sent multiple certified written request for investigation pursuant to the FCRA rules. At no point was the issue resolved or followed up within the 30 days. XXXX XXXX supervisor spoke to me in a degatory manner XX/XX/XXXX and pointedly advised there was nothing further to investigate because I kept disputing they same issue with XXXX. I have since written the XXXX of XXXX As a result of my most recent letters Transunion is the only credit bureau refusing to grant me access to my free annual credit report. A report that I should have access to more frequently due to COVID-19. This behavior is not only retaliatory in nature but discriminatory. The other two credit bureaus are able to provide me with a serious of questions to verify my identity and give me access to my report. I answer all of XXXX question and each time the end result was they could not verify my identity. One of the last questions most recently was to state where a sibling ( they named the sibling lived ). I answered the questions and it came back they could not verify my identity and refused to provide my credit report. 
XXXX in my opinion, continues to aid XXXX in the companys predatory business practices. XXXX continues to change the amount owed and did not follow the state of Texas repossession laws. As a result the ever changing debt amount is not valid, they have not provided the requested documents of how they arrived at the debt amount despite the debt not being legitimate. A key question, how much money did the tow truck driver pay on the debt when he continued to drive the vehicle after I surrendered it? How did you arrive at the same original sale price of the vehicle over a year later as the original written off amount? What amount was claimed as a business tax credit? The charged off amount shows in excess on {$20000.00}

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 2021-06-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Patrick K Willis Company Inc
State: MI

Complaint narrative:
SB Investigations continue to call me when I filed bankruptcy and relinquished all my responsibility for the vehicle to my ex-husband, they refuse to listen and yell about getting the vehicle.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: NY

Complaint narrative:
This is frustrating because I know this would have a negative effect on my report as well as making it harder to deal with credit transactions not to mention it will take more time to do so. On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). And obviously, I want it to be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Please have this accounts remove from the 3 credit reporting agencies as they does not belong to me and i need them to be completely erradicated. Here i let a list of the accounts : 1. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

2. Identity Theft JPMCB AUTO Account Number : XXXX This is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have had a Capital One 360 Account for over 3 years. Capital One 360 Accounts are online accounts that are advertised as " no fee '' accounts. 
When a member wants to make a remote deposit via their cell phone, the check amount must be entered when depositing a check. If the check is not even and has cents, a member can not enter cents. So for instance, if the check is for {$50.00}, the member must either enter {$50.00} in the 'deposit amount ' area or {$51.00}. If the cents is {$0.00} or greater, historically I have rounded the check amount up. If the cents amount is {$0.00} or less, historically I have entered the check amount as equivalent to the dollar amount and would not round up. So in XX/XX/2021, Capital One held a check that I deposited remotely and claimed that I entered an incorrect check amount. 
No one can enter the correct check amount because cents can not be entered. 
I am requesting an investigation into the Capital One 360 check deposit bank practices as their withholding of my check caused me to incur late fees for a bill that I attempted to pay. 
I had recently reported Capital One for other unjust practices just a month prior and I believe that I was retaliated against and this was why my check was withheld. There was no other reason for my check to be withheld other than retaliation. Historically I had always entered remote deposits that way. After over 3 years, why the sudden change?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: TN

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes. Section 611 ( a ), clearly states that a failure to investigate these items for 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the inconvenience and stress you caused me. My information was also impacted by the Equifax Data Breach and may have got to the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mountain Run Solutions, LLC
State: UT

Complaint narrative:
My XXXX  credit shows a collection on my credit for {$390.00} reported by Mountain Run Solutions. Last Reported on XX/XX/XXXX. 

I have disputed this claim every month since XXXX with the credit bureaus, only to have Mountain Run Solutions report that I owe the money, month after month.

I won't get into why I don't think I ever owed the money in the first place, because I did ultimately settle the account for less than the amount they claimed I owed in exchange for a letter of deletion to have the record removed from my account. Which I paid on XX/XX/XXXX. 

Here is where things get interesting. I had been contacted by a different company all together XXXX XXXX XXXX whom I paid. XXXX possible violation if multiple companies are trying to collect for the same debt. ) On XX/XX/XXXX I sent a certified letter to Mountain Run solutions disputing the reported debt. The letter was returned to me.

I then sent letters to each of bureaus with a copy of the returned letter. Disputing the claim as obviously false information was being reported on my credit if the address was wrong and requested that they remove the record. The following month none of them had removed it or sent me any kink of response. However, the credit report did update saying that Mountain Run had verified the debt once again. I sent a second letter to each bureau threating suit if it was not removed. Two of the three bureaus removed it, the hold out being TransUnion. TransUnion just updated their records that the debt had been verified on XX/XX/XXXX. 

On XX/XX/XXXX I reached out by phone to Mountain Run Solutions. They were able to pull my account and the lady on the phone could see that the debt had been settled/paid. But refused to remove the collection since it was not paid in full. 

Keep in mind that at this point regardless of all else the amount being reported and the amount owed is different. Yet another piece of information that is undisputedly incorrect. ( Along with the Address ) I do have copies of an offer from XXXX XXXX XXXX. I have a letter from XXXX XXXX stating the account is paid in full. I can show proof of payment to XXXX XXXX XXXX. I have a certified letter returned to me that was addressed to Mountain Run Solutions. I have certified letters to the Credit Bureaus spanning several months. And, I have copies of my credit report spanning several months. 

It is my opinion that, It is not my responsibility to prove that I don't owe them. But instead It is the creditor and bureaus responsibility to prove I owe. And further more their responsibility to report true and accurate information. 

Mountain Run Solutions XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, UT XXXX ( XXXX ) XXXX XXXX  XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2021, I sent a letter to formally make a complaint about my incomplete and inaccurate credit information. As I know, It violates the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), and thus I wanted to have it investigated. I also demanded that they provide verifiable proof that has my actual signature in it. Additional information regarding this will be uploaded and I hope that this issue will be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: GA

Complaint narrative:
I have inaccurate reporting of collection accounts on my credit report. I have been on this journey to update my credit report as of XX/XX/2021. I have sent several letters to Experian and XXXX  to delete this information. As of XX/XX/2021 XXXX  has deleted these collections from my report. I am requesting that Experian and XXXX  follow suit. Attached is a copy of my XXXX  report. Thank you in advance for your cooperation.

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 2021-06-02 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: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
These accounts don't belong to me. Plese remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 
Identity Theft 1. XXXX XXXX Account XXXX : XXXX This is not mine. 

2. Identity Theft SYNCB/LOW Account XXXX : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

4. Identity Theft XXXX  Account XXXX : XXXX This is not mine. 

5. Identity Theft SYNCB/XXXX  Account XXXX : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

7. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/2019 This is not mine. 

9. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2019 This is not mine.

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 2021-06-02 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: OH

Complaint narrative:
I have contacted Equifax repeatedly in writing, by phone and by fax. I have asked them to remove inaccurate information from my credit report and provide an accurate copy to my lender so I can close on my house. This process has been going on since XX/XX/2021. My lender can not not get any information from them and I can not move forward with my loan. I do not know what else to do. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: DE

Complaint narrative:
On XX/XX/21 I received an email from Venmo asking for {$400.00}. The picture, name, and ID all match my wife 's account so I paid it. As soon as I paid it, the picture changed to a woman who was not my wife, and the name changed to @ XXXX. I feel like Venmo should have better protected our accounts and not allow a scammer/hacker to use my wife 's name and picture. I contacted Venmo and they refuse to look into it or try to recover my {$400.00} from the scammer. I also contacted XXXX XXXX XXXX XXXX County Police and they were hesitant to grant a police report because they said there is no way they will catch the scammer and that will be the only way to get my money back. I place my trust in Venmo to protect my accounts and not allow hackers to use my wife 's info. Venmo says they are not responsible but I have seen very similar cases on this site when Venmo refunds the full amount which is usually over {$400.00}. I am asking Venmo to refund me the full {$400.00}. Screen shots are attached - take note of how the name and picture change once I paid it. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
these accounts don't belong to me. Please remove them from all XXXX credit reporting agencies. 
Please see below the list of accounts that are reporting derogatory on all credit reporting agencies : 1. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft Account XXXX : XXXX This is not mine. 

4. Identity Theft Account XXXX : XXXX This is not mine. 

5. Identity Theft CREDIT ACCEPTANCE CORP Account Number : XXXX This is not mine.

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