vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-07 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:
On XX/XX/21 I sent a dispute letter to TransUnion with the tracking number XXXX. XXXX records show that on XX/XX/21 TransUnion accepted possession of my letter. The purpose of my letter was a request for a reinvestigation of items on my credit report. My dispute request and instructions were reasonable and within my legal right. TransUnion has an obligation to complete the investigation within 30 days from the date they have accepted the letter. My request is not a duplicate of any previous communication with TransUnion. TransUnion willfully ignored my dispute. They have failed to conduct a reasonable investigation within 30 days from the date they have received my dispute letter. I sent TransUnion a follow-up letter dated XX/XX/21, with the tracking number XXXX. XXXX records show that TransUnion accepted my letter on XX/XX/21. In my second letter to TransUnion, I requested they follow my requested action for each account that I disputed. The Fair Credit Reporting Act mentions that consumer reporting agencies have an obligation to ensure maximum possible accuracy. The law also mentions that consumer reporting agencies must involve their users in a reasonable investigation and complete it within 30 days. I believe TransUnion is attempting to avoid their obligation to Federal Laws for their own commercial gain. They continue to sell this inaccurate, and unverified information to other companies. Further hindering my ability to purchase a home. TransUnion is hoping that I will get frustrated and just give up on this matter. I attached a copy of each dispute to this complaint.

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 2021-07-07 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I am filing this complaint because has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA - they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you

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 2021-07-07 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: DISCOVER BANK
State: IL

Complaint narrative:
I am filing this complaint because has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA - they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
Said company has violated my consumer rights Under 15. U.S 1692e- False or misleading representations Adebtcollector may not use any false, deceptive, or misleading representation or means in connection with the collection of anydebt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 3 ) The false representation or implication that any individual is an attorney or that any communicationis from an attorney. 

Attached letter was sent on behalf of National Credit Systems, which is a violation under law

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: I.C. System, Inc.
State: TX

Complaint narrative:
The monthly payment, terms, credit limit, past due, and date of the last payment is missing in this report. Balance should not be reported under a collection/chargeoff account! Also, the date of the last activity on each bureau was reported differently on this account. All dates should be reported the same! I do not remember owning this particular account. I've asked the agency to provide signed paperwork that proves that I really own the questionable account but they have not complied as of the moment.

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 2021-07-07 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
The monthly payment, terms, credit limit, past due, and date of the last payment is missing in this report. Balance should not be reported under a collection/chargeoff account! Also, the date of the last activity on each bureau was reported differently on this account. All dates should be reported the same! I do not remember owning this particular account. I've asked the agency to provide signed paperwork that proves that I really own the questionable account but they have not complied as of the moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CURO Intermediate Holdings
State: IL

Complaint narrative:
I Received An E-Mail From XXXX XXXX ( Posing As One Of The Attorneys ) And Repres enting Speedy Cash On XX/XX/XXXX Stating The Following Information Below!! 

CREDITOR : Speedy Cash XXXX XXXX. XXXX XXXX Case No : XXXX Attention, AMOUNT OUTSTANDING : {$970.00} This Proceeding issued on you Docket No : XXXX with one of XXXX XXXX XXXX Company in order to notify you that after making calls to you on your phone number we were not able to get hold of you so the accounts department has decided to mark this case as a flat refusal and press legal charges against you. 

We have sent you this warning notification about legal proceeding on XX/XX/XXXX but you failed to respond on time now it's high time if you failed to respond in the next 12 HOURS we will register this case in court, Consider this as a final warning and will be E-Mailing/Fax this issue to your current employer to make they take strict actions against you. Your salary and all your wages confiscated. 

We will be forced to proceed legally against you and once it is processed the creditor has entire rights to imform your employer and your references regarding this issue and the lawsuit will be the next step which will be amounting to {$8600.00} and will be totally levied upon you and that would be excluding your attorney charges. 

Please let us know what your intention is by today itself so we can hold the case or else we will submit the paperwork to your local country sheriff department and you will be served by court summons at your doorstep. 

This is your last and final chance to settle this case. If you don't take it seriously, we will surely take hard steps against your name and social and you will be the only person responsible for the legal consequences. 

By electronically signing this Loan Agreement by clicking the " I AGREE '' button below, you are confirming that you have agreed to the terms and conditions of the Consent and that you have downloaded or printed a copy of this Consent for your records.

IF YOU WANT TO RESOLVE CASE OUTSIDE OF COURT THEN CONTACT TO RESTITUTION DEPARTMENT : -mailto : XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Kansas XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
My complaint is regarding a purchase I made online with XXXX on XX/XX/XXXX. I contacted XXXX early XX/XX/XXXX because I never received the package. They tracked and advised it was delivered via XXXX and who ever signed for the package signed spelling my name wrong. My community uses XXXX XXXX so know one signs for packages. It's placed in a locker and I receive an email with pick up instructions. XXXX opened a case with XXXX but they denied it indicating the package was delivered. I reached out to XXXX again whom opened a 2nd case which was denied. XXXX gave me the run around for nearly a month so I reached out to PayPal Credit as my trusted financial provider whom I used for payment. They collected little to no information from me but denied the claim stating the merchant provided proof it was delivered. I opened a 2nd case and they denied it again. If it was delivered, it was delivered to the wrong party I have never received the merchandise. I am beyond frustrated and out of {$810.00}. I trust PayPal as my go to source for online purchases because it gives me an extract layer of protection to protect my bank account and credit card details. I never would have thought a company I have done business with for many years would be unable to resolve this matter in my favor and handle the merchant chaargeback.

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 2021-07-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Law Office of Brett M. Borland, P.C.
State: GA

Complaint narrative:
Said company has violated my consumer rights Under 15. U.S 1692e- False or misleading representations Adebtcollector may not use any false, deceptive, or misleading representation or means in connection with the collection of anydebt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 3 ) The false representation or implication that any individual is an attorney or that any communicationis from an attorney. 

Attached letter was sent on behalf of XXXX XXXX XXXX, which is a violation under law

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: COMMERCIAL SERVICES GROUP, INC.
State: IL

Complaint narrative:
I am filing this complaint because has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA - they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Alliant Capital Management LLC
State: CA

Complaint narrative:
I requested a true signature contract signed. And never received one. The company sent a limited contract in name only.The company XXXX  XXXX XXXX. 
Corporate collections department XXXX XXXX XXXX XXXX 
XXXX OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: MO

Complaint narrative:
The following accounts do not belong to me, nor have I ever engaged in any type of business with these unauthorized and unknown companies. I'm demanding that the credit reporting agencies provide me with A Method Of Verification used to report such accounts on my report. These accounts shall be removed immediately. 

1. XXXX XXXX {$120.00} 2. XXXX XXXX {$670.00} 3. XXXX XXXX 4. XXXX XXXXXXXX XXXX XXXX {$4000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: MO

Complaint narrative:
The following accounts do not belong to me, nor have I ever engaged in any type of business with these unauthorized and unknown companies. I'm demanding that the credit reporting agencies provide me with A Method Of Verification used to report such accounts on my report. These accounts shall be removed immediately. 

1. XXXX XXXX {$120.00} 2. XXXX XXXX {$670.00} 3. XXXX XXXX 4. XXXX XXXXXXXX XXXX XXXX {$4000.00}

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 non-monetary relief
Consumer complaint received 2021-07-07 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: PA

Complaint narrative:
On or around XX/XX/XXXX I noticed XXXX XXXX was on my credit report I know thats account was cleared however XXXX  and equifax has it as a derogatory account. It took me three days to dig up this exhibit # 1 to prove XXXX XXXXnis full of XXXX and have committed fraud by falsely reporting inaccurate information. Attached you will see a refund the account was closed XX/XX/XXXX and yet its till being reporting why? Because XXXX XXXX is a fraud and they do crooked XXXX to original creditors/consumers. 
The law states that and communication means conveying information regarding debt directly or indirectly to any person through any medium wells fargo is in violation of 15 usc 1692a also in violation of 15 usc 1692 c because I sent a cease and desist. Im addition I was violated because they submitted inaccurate information misleading information under the law 15 usc 1692e and 15 usc 1692f unfair practices you ruined my reputation by reporting inaccurate information for 2 years Whats XXXX me off is that XXXX XXXX would have gotten away with fraud if I didnt find this document so Im demanding this be removed immediately Equifax and XXXX  did no investigation when I spoke to a representative they told me it was correct no results from the dispute I submitted its a joke they have also violated my consumer rights they did not address my concerns I had to dig deep for three days to find proof and submit exhibits they do a half XXXX job/ no investigation and if they did and investigation show me proofed XXXX you found follow the law laws listed above this needs to be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: Financial Credit Network Inc
State: CA

Complaint narrative:
On XX/XX/2021, I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. On XX/XX/2021, your agency sent a letter stating that you had completed your investigation and the items were not deleted, as requested. On my previous dispute dated on XX/XX/2021, I attached a copy of my credit report, I circled the disputed items that I needed deleted. I also included copies of my social security card, drivers license, utility bill and the reasons why these items should be deleted. FINANCIAL CREDIT NETWO, Account # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: HI

Complaint narrative:
In XXXX of XXXX I went into forbearance due to COVID and my wife not working. I received letters this year from Navy Federal Credit Union saying in XX/XX/XXXX my forbearance would end because it has been 12 months and I would have to complete the loan modification, as they said that was the only option. Shortly after signing the loan modification, a friend told me there were two more three month extensions authorized by the XXXX in XXXX of XXXX that Navy Federal did not make an option for me and was an option at the time I was told I had to complete the loan modification. I have asked them to please allow me to utilize the extensions and they said they cant. I explained I was not told of the two three month forbearance extensions at the time I signed my forbearance and should be allowed to use the extension in the Cares Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Management Partners, LLC
State: TX

Complaint narrative:
I was recently alert by XXXX  and XXXX  about RMP Services LLC flagging my credit files with an collection account XXXXX {$210.00}. I instantly disputed the fraudulent account with XXXX  and the account was removed. This account is not mine. RMP Services LLC is effecting my credit rating by reporting this fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I am filing this complaint because has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA - they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: IL

Complaint narrative:
I am filing this complaint because has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA - they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stevens Business Service, Inc.
State: MA

Complaint narrative:
I have no knowledge of the alleged debt. I have never entered into any contract or agreement with Stevens Business Service. I have not received any written communication from Stevens Business Service which is a violation pursuant to 15 U.S.C 1692e False or misleading representations. 
( 10 ) The use of any false representations or deceptive means to collect a debt or obtain information concerning a consumer. 
This is also an alleged medical debt which pursuant to HIPPA Laws is a violation of my conusmer rights. Stevens Business Service did NOT provide me a HIPPA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against the Stevens Business Service should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

Company response to consumer: Closed with explanation