vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-27 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: FL

Complaint narrative:
My car was broken into a few years ago and my wallet, purse, and a few pair of shoes I had bought my son were stolen while i was in the gas station paying for gas and some snacks. I have noticed numerous accounts since then, especially medical accounts that have been opened in my name that I never authorized, or opened. 

With XXXX  I see the below accounts that are a result of fraud or identity theft XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX HOSPITAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX HOSPITAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX HOSPITAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HOSPITAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX HOSPITAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX HOSPITAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX HOSPITAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX HOSPITAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX  XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX   XXXX XXXX ORIGINAL CREDITOR 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 2020-02-27 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}, {$2000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account.

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 2020-02-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX, To my knowledge the bill to Walmart Pay, which was managed by XXXX XXXX, was payed in the full amount of just about {$350.00}. According to the lady of capital one, which is the bank managing those accounts now, they didn't receive the payment and were not notified of non-payment till XXXX. I did not know about this till XX/XX/XXXX when I was going to apply for a loan on a travel trailer.. As soon as my bank notified me, I called XXXX XXXX  to fix this problem and payed {$450.00} dollars and closed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
In XX/XX/XXXX, I disputed an account reported by XXXX  on the file you maintain under my Social Security number. 
I was informed on XX/XX/XXXX XXXX that the item was deleted from my credit report.You have now reinserted this FALSE Negative item BACK on my credit, as of XX/XX/XXXX, it is still there. It should not have been updated or VERIFIED, but remain DELETED!!

The FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), says they are required to notify me of the reinsertion in writing within 5 business days. 
I received no such notification. This is a very serious violation of the FCRA,. 
Please delete the item from my credit report .It is actionable and they are in violation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 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: NJ

Complaint narrative:
FTC  violations XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  all us dept of education XXXX XXXX If a bill collector violates the Fair Debt Collection Practices Act, you might be able to sue and recover money and other damages. The Fair Debt Collection Practices Act ( FDCPA ) protects debtors from harassment by debt collectors. If a collector has violated the FDCPA, you can sue the collector in court. 
In the settlement agreement reached with the FTC, the University XXXX XXXX will pay {$190.00} XXXX, of which {$140.00} XXXX will be used to forgive some student loans for certain borrowers who attended the university. 
These claims will be paid out of a {$1.00} XXXX Settlement Fund established by XXXX to pay all claims, attorneys ' fees and costs, class alks between the big student debt collector and the government broke down after President Trump 's victory. Now XXXX is making its case ... 
XXXX has said allegations in the various lawsuits are unfounded. ... In XXXX, the Justice Department settled with XXXX, which paid nearly XXXX service members {$60.00} XXXX in compensation for having charged excess interest on their student loans.XX/XX/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 2020-02-27 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: NJ

Complaint narrative:
FTC violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX all us dept of education XXXX XXXXXXXX If a bill collector violates the Fair Debt Collection Practices Act, you might be able to sue and recover money and other damages. The Fair Debt Collection Practices Act ( FDCPA ) protects debtors from harassment by debt collectors. If a collector has violated the FDCPA, you can sue the collector in court. 
In the settlement agreement reached with the FTC, the University XXXX XXXX will pay {$190.00} XXXX, of which {$140.00} XXXX will be used to forgive some student loans for certain borrowers who attended the university. 
These claims will be paid out of a {$1.00} XXXX Settlement Fund established by XXXX to pay all claims, attorneys ' fees and costs, class alks between the big student debt collector and the government broke down after President Trump 's victory. Now XXXX is making its case ... 
XXXX has said allegations in the various lawsuits are unfounded. ... In XX/XX/XXXX, the Justice Department settled with XXXX, which paid nearly XXXX service members {$60.00} XXXX in compensation for having charged excess interest on their student loans.XX/XX/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 2020-02-27 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft, Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.

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 2020-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
In XX/XX/XXXX, I disputed an account reported by XXXX on the file you maintain under my Social Security number. 
I was informed on XX/XX/XXXX XXXX that the item was deleted from my credit report.You have now reinserted this FALSE Negative item BACK on my credit, as of XX/XX/XXXX, it is still there. It should not have been updated or VERIFIED, but remain DELETED!!

The FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), says they are required to notify me of the reinsertion in writing within 5 business days.

I received no such notification. This is a very serious violation of the FCRA,. 
Please delete the item from my credit report .It is actionable and they are in violation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Bonneville Billing and Collections
State: UT

Complaint narrative:
XX/XX/2020, Someone representing Bonneville Billing and Collections showed up to my work to serve me papers on a repossessed car. 

I was called down to the lobby over the inter com system. When I got to the lobby, the receptionist looked really uncomfortable and pointed at the person that had shown up. I asked him to go outside with me so that it wouldn't be in front of people I work with. We started walking tword the door and he said that he was there to serve me papers on a dept that was in collections in front of people I work with before we made it to the door.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 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: GA

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft, Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Bureau of the Hudson Valley, Inc.
State: NJ

Complaint narrative:
On XX/XX/2020 I mailed off a " Request for Validation, Not Verification '' letter to " Collection Bureau Hudson Valley '' ( CBHV ). The company received my letter on XX/XX/2020 and someone from the company signed for it. With my letter I provided my name, address, and account number to help the company look up my account. Also, within the letter I was giving the company 30 days to provide me proof. I know that the debt collector has 30 days to respond to the debt validation. What I was asking for is proof that I actually owe the debt. As well as proof that they have the legal right to collect the debt. They must also prove that they are licensed to collect debts in my state. Also, they need to provide the original contract I signed with the original creditor, or at least credit card receipts that I signed. Within the 30 days I did receive a response from CBHV but it was just a billing statement, nothing that I asked for in my first letter to them. I responded back with another letter asking them again to validate my debt under the Fair Debt Collection Practices Act. They did not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. The documentation CBHV provided in no way provides sufficient verification of the debt. I was expecting to hear back from CBHV to have this account removed from my credit report but I haven't heard anything back. I notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by filing a claim in small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Second Round Limited Partnership, Austin, TX Branch
State: MA

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 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: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly  DELETE all information which can not be verified.

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 2020-02-27 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

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 2020-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
USAA is holding funds of my paychecks from my employer and will not tell my why. I deposited the first paycheck, they froze most of, via USAA 's mobile app on Friday XX/XX/2020. On Saturday XX/XX/2020 I attempted to withdraw {$400.00} to pay some of my bills and the ATM said USAA declined the transaction. I called USAA to figure out the problem. The rep told me the funds are on hold and could not give me a specific reason as to why they're on hold. This is approximately the 16th check I've deposited from my employer. No check I have ever deposited with USAA has bounce and none have ever had funds on hold. I called back Tuesday XX/XX/2020 to demand the release of my funds as I had emergency vehicle situation. On XX/XX/2020, I filed a complaint with the XXXX XXXX XXXX, complaint attached. USAA has been shamefully unaccommodating and giving me the run around for over a month now. This is completely unacceptable. I have bills and have lost money in fines, fees and predatory interest via payday loans to cover my expenses for the week hold USAA has place on over half the funds of all checks since XX/XX/2020.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 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: AmeriCollect
State: FL

Complaint narrative:
This account is reporting to my credit report twice. I have disputed it through XXXX  and have not received any information on the account nor any investigation results. Per the FCRA, my rights have been violated. You can not report the same account TWICE to my credit report, especially since it has been disputed with the reporting agencies and is false.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX/XXXX  XXXX  but an unauthorized inquiry on my credit report XX/XX/2019. I did not authorize this inquiry and I don't know who did. But what I do know is XXXX XXXX/XXXX  XXXX  broke the law by obtaining my credit file without my 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 2020-02-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PCR Group
State: IN

Complaint narrative:
My Husband and I received a collection letter in the mail stating that we owe a balance, I proceeded to send a validation letter on both of our behalf according to the Fair Debt Collection Practice Act 15 USC 1692g Sec. 809 ( b ) I mention in my letter that this was not a refusal to pay but requesting a validation of the debt. They sent me a letter back stating inaccurate information concerning myself and my husband and then proceeded to add that the account was sent over to the credit bureaus and they couldn't stop it. I'm confused because we never had a chance to resolved the debt after the letter they sent back claiming to have validated the debt. This was the first collection letter we received from this company, and to just abuse our credit is outrageous without even allowing us a chance to resolve this matter. od answer to the so call validation letter that is very inaccurate.

Company response to consumer: Closed with explanation