vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent certified letters to XXXX XXXX and Transunion on XX/XX/XXXX, explaining that I had noticed unknown/unauthorized accounts on my credit report. Also, I have several inquires that are not authorized. Each company failed to verify and/or send me proper documentation which means they are in violation of my rights. 
1. XXXX XXXX XXXX {$580.00} 2. XXXX XXXX XXXX {$200.00} 3XXXX XXXX XXXX {$490.00} 4. XXXX-showing as a charge off to XXXX XXXX XXXX 5. XXXX XXXX {$390.00}. This was proven not to be my account and removed from Transunion and XXXX yet still remains on my XXXX. 
Inquires not authorized 1.XXXXXXXX XXXX XXXXXXXX 2.XXXX XXXXXX/XX/XXXX 3. XXXX XXXX XXXXXXXX 4. XXXX XX/XX/XXXX AND XX/XX/XXXX 5.XXXX XXXX XXXXXX/XX/XXXX 6 . XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX AND XX/XX/XXXX 7. XXXX XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XXXXXXXX AND XX/XX/XXXX 9. XXXX XXXX XXXXXX/XX/XXXX AND 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 2021-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent certified letters to XXXX Experian and XXXX  on XX/XX/XXXX, explaining that I had noticed unknown/unauthorized accounts on my credit report. Also, I have several inquires that are not authorized. Each company failed to verify and/or send me proper documentation which means they are in violation of my rights. 
1. XXXX XXXX XXXX {$580.00} 2. XXXX XXXX XXXX {$200.00} 3.XXXX  XXXX XXXX- {$490.00} 4. XXXX-showing as a charge off to XXXX XXXX XXXX 5. XXXX XXXX {$390.00}. This was proven not to be my account and removed from XXXX and XXXX yet still remains on my Experian. 
Inquires not authorized 1.XXXXXXXX XXXX XXXXXXXX 2XXXX XX/XX/XXXX 3. XXXX XXXX XXXXXXXX 4. XXXX XX/XX/XXXX AND XX/XX/XXXX 5XXXX XXXX XX/XX/XXXX 6 . XXXX XXXX XXXX XXXX XX/XX/XXXX AND XX/XX/XXXX 7. XXXX XXXX XXXX XX/XX/XXXX 8. XXXXXXXX XXXX XXXXXXXX AND XX/XX/XXXX 9. XXXX XXXX- XX/XX/XXXX AND 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 non-monetary relief
Consumer complaint received 2021-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: USCB, Inc.
State: CO

Complaint narrative:
I have asked multiple times for the company to provide proof of debt owed and multiple times to provide proof of services rendered. RevSolve has not provided this at all and keeps pointing me back to the original creditor. When disputed in the past it was ignored and no additional information was provided. Since Resolve is not the original credit of this debt and can not provide this info it should not be on my credit. As RevSolve is a medical debt collection agency they need to provide proof they are following any and all applicable HIPPA Laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CURO Intermediate Holdings
State: PA

Complaint narrative:
Speedy Cash XXXX sends me emails threatening to and stating they have activated a warrant for search and seizure, complete with a docket # and citations of supposed Constitutional law. As well they assert that I will be contacted by local authorities and threaten consequences if I do not contact them in a limited time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
It is mandatory that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of FCRA, 15 USC 1681 ( a ) ( 4 ). 


1. Please block and remove this INACCURATE and UNFAIR data on my credit report. Chapter XXXX Bankruptcy Case Number : XXXX 2. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX Account XXXX : XXXX 3. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX XXXX XXXXXXXX Account Number : XXXX 4. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX Account Number : XXXX 5. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 6. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX Account XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Capital Collection Management LLC
State: GA

Complaint narrative:
repeated calls from capital collection management agency about some debt. I don't know the debt or anything, The man calls daily leaving messages. I tried calling back and it goes to his voicemail. I have repeatedly told him to stop calling because I do not owe anyone back debts. 
His number is XXXX He calls and leaves the same message daily

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I purchased a used XXXX XXXX XXXX from a used car dealer XXXX XXXX XXXX XXXX XXXX CA 0n XXXX XXXX XXXX and it was financed by Westlake Financial Services.  I added Gap insurance to my account with Westlake at a cost of $ XXXX per month.  The contract was for 72 months and Westlake added the "Gap"  charge to my account balance for the entire contract period at a total of over $XXXX.  I paid the entire contract off on XXXX XXXX XXXX which included the entire cost of the  "Gap" insurance.  Today, XXXX XXXX I requested from Westlake a refund on the advance payment of the insurance which was 70 months at $XXXX per month which totaled $XXXX.   I do not need Gap" insurance if I do not owe anything on the  car to Westlake.  My request for the amount of the overpayment to be refunded was $XXXX.  

The company:   Westlake Financial Services
                          XXXX XXXX XXXX XXXX XXXX, CA XXXX                            Phone:  (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 2021-05-21 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: LA

Complaint narrative:
I XXXX XXXX XXXX a Federally Protected Consumer rights have been violated. Equifax Consumer Reporting Agency is in direct violation of 15 USC 1681 a ( 1 ). Accuracy & fairness of credit reporting.I did not benefit nor consent to these notated accounts being furnished.I value my consumer report and only a natural living person can do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Good afternoon, I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didnt have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed identity theft/fraud because I did not give them authorization to run my credit you can see them found attached. Please have these removed asap I tried contacting them and sending letters and nothing was solved. 

These companies are in complete violation of the Fair Credit Reporting Act 15 U.S.C Section 1681 for Unlawfully obtaining my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

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 2021-05-21 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: TX

Complaint narrative:
I have informed XXXX  and Experian that my social security number has been compromised, and I am a victim of identity theft. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ), the bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract for any and all accounts posted on my credit reports. Below are the fraudulent accounts that should be immediately removed : ACCOUNT NAME AMOUNT DATE OPENED XXXX {$160.00} XX/XX/XXXX XXXX XXXX XXXX ( Experian acct ) {$1900.00} 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 non-monetary relief
Consumer complaint received 2021-05-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX : I paid the remaining balance IN FULL via my online XXXX XXXX XXXX  portal in the amount of {$140.00} ( the entire balance as stated on their website - SEE ATTACHED DOCUMENT SHOWING BALANCE OWED, AND PAYMENTS MADE ). 

-XXXX XXXXXXXX I was made aware of a missed payment only because I logged into the site to request that the account be closed. I called XXXX to understand what was late and why I had a balance on the account when I already paid it in full. They were unable to answer my questions and told me that someone would call me back. After not hearing back I called back in and spoke to XXXX who told me she saw the notes from my last call and would get back to me with answers on why there was a {$6.00} balance and then a {$7.00} balance after I had paid the balance in full. I spoke to XXXX again on XXXX and was informed that interest had been charged on the account along with a late fee and that these fees weren't visible when I paid the published balance on the XXXX website in XXXX. I agreed to pay the late fee and balance in full on XXXX with the understanding that the late payment report would be deleted from by credit report. Nothing was done by XXXX after this call and the late is still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I sent settlement offer letter cerified with return to receipt and someone from there office signed and receive letter. I Havent receive no respond in over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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: TX

Complaint narrative:
I have informed Transunion and XXXX that my social security number has been compromised, and I am a victim of identity theft. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ), the bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract for any and all accounts posted on my credit reports. Below are the fraudulent accounts that should be immediately removed : ACCOUNT NAME AMOUNT DATE OPENED XXXX {$160.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  acct XXXX {$1900.00} 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 2021-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I sent a certify settlment letter with a sign receipt to their office and someone sign for the letter. I havent receive any calls are respond from this company in over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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: CORELOGIC INC
State: CA

Complaint narrative:
This complaint is to addend the complaints that was filed on XX/XX/20 # XXXX and # XXXX. Based on the credit report that we just received from Credco. We discovered the WRONG SSN/NAME/DOB ( it is my brother XXXX XXXX XXXX ) was used from the XXXX  data ( page 23 ). There are 30 mistakes total ( with red X ).

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 2021-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
Fw : I received this I have no clue who this is XXXX XXXX Fri XX/XX/2021 XXXX XXXX More actions From : BB & T Alerts XXXX Sent : Wednesday, XX/XX/2021 XXXX XXXX To : XXXX XXXX Subject : Message from Customer Service BB & T Logo XXXX XXXX XXXX XXXX | Free transparent XXXX XXXX XXXX Library Dear BB & T Customer , We're writing to let you know that our system detected a slight error in our regular verification process of Online Banking records to complete recent activity. 

Our system requires account verification for more security and protection to your account. To see how to solve this situation, please click check now to log on Check now and you will be directed to follow this process. 
Sincerely, BB & T Online Customer Service Copyright XXXX, Branch Banking and Trust Company. All rights reserved.

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 2021-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I sent a settlment offer as payment in full certifed mail with return receipt and someone from their office sign for it. I havent receive any contact from this company in over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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: TX

Complaint narrative:
In XXXX of 2021 I filed a CFPB complaint against Equifax, XXXX, and XXXX regarding the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I spoke with a representative from Equifax, XXXX, and XXXX  and they told me that the following accounts are " verified '' even though they did not hear from the creditors directly regarding their investigation. So basically, the account was just updated, but I still see the same errors. I have requested validation from these creditors directly ( which I have attached the certified mail receipts and included the certified mail tracking numbers ) and they never furnished any proof of debt such as a signed contract bearing my signature. From my understanding, a bill is not a validation so they have basically ignored my requests.

Company response to consumer: Closed with explanation