vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: WA

Complaint narrative:
I received a collection notice from First Credit Services , Inc. of XXXX, NJ claiming a debt for XXXX XXXX of XXXX, IL on XX/XX/XXXX. I contacted First Credit Services regarding the debt and was told at first that the debt was initiated on XXXX XXXX, then by another person it was initiated on XX/XX/XXXX. I looked up the name of the business they were collecting for and found the business was closed XXXX of XXXX, and the owner had since opened another business. I contacted the owner 's new business and was able to get confirmation through email that no debts had ever been taken out by him with regard to XXXX XXXX. I asked First Credit Services to provide proof of the debt and have it mailed to me. I am at this time waiting for proof of the debt from First Credit Services , Inc. and would request an investigation into their business practices to prevent further fraud from being committed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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:
I'm a victim of identity theft this account has been subjected to fraud. 
.

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 2020-11-11 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: TX

Complaint narrative:
XXXX XXXX is reporting a collection on my credit report. This account is reporting inaccurately. The date of last activity has been re-aged. Under FCRA section 605 ( C ) Running of the reporting period, Creditors, Collection agencies and Bureaus, if they try and RE-AGE your account, byupdating the date of last activity on your credit report in hopes of keepingnegative information on your account longer, they can be fined {$1000.00} for EACH account. On a collection account the date of last activity should reflect the last date a payment was made to that company, it is also a violation to reporting inaccurate information. 

XXXX is reporting the date of last activity as XX/XX/XXXX. XXXX is reporting XX/XX/XXXX.EQ is reporting XX/XX/XXXX. 

Equifax is reporting a balanced owed as {$890.00}, XXXX  is reporting {$890.00} and XXXX is reporting {$820.00} XXXX is also reporting a past due balance of XXXX on my equifax report. On a collection account, a collection company can not report a past due balance that is an violation. 

Furthermore, Equifax is reporting the date opened on this account as XX/XX/XXXX, but is reporting the last payment date as XX/XX/XXXX. There is no way possible that this account was paid on before it was even opened. Also XXXX  is reporting the high balance as XXXX but reporting the balanced owed as XXXX that is another violation. 


Under FCRA 15, U.S.C section 1681 and FDCPA 15. U.S.S section 1692 XXXX erroneously attributed debts to my report, and has failed to properly validate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: AL

Complaint narrative:
Hi there! 

I would like to file a dispute with the XXXX. On XX/XX/2020, I sent a dispute asking to verify the information concerning the bankruptcy on my XXXX credit report. XXXX responded and verified this bankruptcy through information " obtained from local, state, and federal courts through a third party vendor, LexisNexis ''. Interesting, because on XX/XX/2020, I asked the courthouse to verify if they were reporting information to the credit bureaus to see if this was true. The courthouse stated that they did NOT report any information to the credit bureaus. Either directly, or through a third party vendor like LexisNexis. This leads me back to XXXX. If the courthouse did not send the information to the credit bureaus ( directly or indirectly ), how are they verifying this information? What method did they use? So on XX/XX/2020, I sent a certified letter to the XXXX informing them that they were reporting a bankruptcy on my credit report, that was not verified with the courthouse that they are reporting that they received the information from. They then AGAIN stated that all of the information was " verified ''. But how if the courthouse does not communicate with any credit bureaus ( LexisNexus is a credit bureau )? I find this information false, misleading, and should be removed from my credit reports! I have attached ALL of the letters to prove my statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: VA

Complaint narrative:
ERC is reporting to the credit bureaus about a debt that I asked to be verified, I have sent out letters to ERC asking for a contract bearing my signature to verified I owe the debt they are reporting. Not only have they not verified it but they did not response in the 30 day time period. I ask that this debt be removed immediately due to the fact that ERC have not correctly verified this debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Diverse Funding Associates LLC
State: NY

Complaint narrative:
On XX/XX/XXXX I received a text @ XXXX XXXX  Asking if this is XXXX XXXX phone I responded back asking who is this So I called back it was a collection agency demanding that I pay {$600.00} for a credit card I have never owned dating back to XXXX the guy wouldnt give me a chance to speak he asked me what credit card I want to use to pay the {$600.00} after explaining I do not owe anything because I never owned the card Indigo credit card, He said he was going to put it into my credit report and hung up on me 10 minutes later I received a call from my brother saying that someone text his Phone asking if was XXXX XXXX phone So somehow someway they hacked my phone to see the last number I was communicating with I am also filing a complaint with the attorney general of New York

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 2020-11-11 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: MD

Complaint narrative:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I sent a letter to Transunion well over 30 days ago to inform them of the inaccurate information they are reporting on my credit report. I have yet to be updated in any way, shape or form and I am beyond frustrated.

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 2020-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My account has incorrect information and is being used 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 2020-11-11 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: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
I opened a netcredit revolving line of credit in amount of {$10000.00} in XXXX. I paid the required bimonthly payment of {$260.00} for 16 consecutive months ( debited automatically from my checking account ). After 32 on-time payments, I contacted Netcredit to inquire why my balance continued to go up even though I was making on time payments. I also inquired about making a lump sum payment to pay off the account more quickly. It was at this point that I was told that my interest rate was nearly 50 % and that I was not allowed to make a lump sum payment on the account unless I paid the entire balance of {$11000.00}. At this point, I realized that this was the typical predatory loan that was designed to hurt consumers rather than help consumers in need. 

At this point, I contacted and contracted with the XXXX XXXX XXXX to settle this account. I had already re-paid about {$8000.00} on this loan in 16-18 months however my loan balance was increasing. The XXXX XXXX XXXX was able to arrange a settlement agreement on the account for about {$4100.00} ( on top of the {$8000.00} I had already paid ). The agreement stated that I was suppose to make monthly payments of {$250.00} for about two years. I paid the entire {$4100.00} settlement amount off in 4 months. A stipulation of the settlement agreement entered into by the XXXX XXXX XXXX and Netcredit was that no payments would be reported late once the contract was formed and executed. Netcredit breached the contract with the XXXX XXXX XXXX by reporting my payments late to all credit bureaus during XX/XX/XXXX - XX/XX/XXXX. The contract clearly stated that no payments would be reported late as long as I made my payments on time to the XXXX XXXX XXXX. The XXXX XXXX XXXX promptly paid Netcredit each month on time yet Netcredit still reported that my initial {$500.00} obligation to them was late even though they contracted to accepted the settlement monthly amount. 

I have contacted Netcredit on multiple occasions to request that all late payments during the settlement agreement period be removed. They indicated that the no late payments were to be reported during the settlement period provided that payments were made yet late payments were reported. Please have all 5-6 of these late payments to Netcredit deleted from all of my consumer reporting agency reports ( XXXX, XXXX, and XXXX ). Please report this account as a positive paid on time account. This has negatively affected my ability to establish credit, purchase a car and purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear Experian, I checked my personal credit report, which I acquired from your company on XX/XX/2020 and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/2020 is still being reported on my credit report. I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX ( XX/XX/2020 ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter.

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 2020-11-11 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: MD

Complaint narrative:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

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 2020-11-11 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: MD

Complaint narrative:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

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 2020-11-11 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: TX

Complaint narrative:
I have disputed several accounts from my credit report with Equifax, XXXX, and XXXX. I have sent a total of 4 different letters asking for a response and have yet to be notified that an investigation has even been started on my behalf. The letters were sent on the following dates : Letter 1 : XX/XX/2020 Letter 2 : XX/XX/2020 Letter 3 : XX/XX/2020 Letter 4 : XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Allied Collection Services, Inc. (Nevada)
State: TX

Complaint narrative:
I received an email from Allied Collection Services Inc. ( ACSI ) om XX/XX/2020 about a unverified debt with XXXX in the amount of {$2800.00} The email stated I was previously contacted by mail but I have not received anything from this agency until they somehow got my email address. 
I responded by sending a Debt Verification letter by certified mail on XX/XX/2020. I asked for why yo thing I owe the debt and whom I owe it?, The amount and age of the debt, and detail about the authority to collect the debt. This is a summary but there are 14 bulleted items they were requested to respond to. I received a signed return receipt that verifies my letter was delivered. 
ACSI responded by sending a letter dated XX/XX/2020 that only provided the original creditor name and amount. The letter status '' Pursuant to your request, we have obtained verification of the debt ; provided the requested information to you as require by law and have as result resumed collection activity in accordance with Title 15 U.S.C. 1692 ( g ).

The letter from ACSI does not verify that this is my debt and belongs to me. There has been no additional information and documentation provided. The letter ACSI sent as verification is the exact same information provided in the email.

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 2020-11-11 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: TX

Complaint narrative:
I filed bankruptcy in XX/XX/2020, XXXX was on my bankruptcy and my contract was null and void, this debt was discharged in XX/XX/2020. Experian shows a collection in XX/XX/2020 from XXXX, I filed a dispute with Experian and the dispute indicated the debt was valid. I tried to file another dispute and the website will not let me file another. I contacted Experian via email and all I'm told is to file a dispute on line. This is turning into a vicious circle, the debt was illegal, XXXX may not attempt to collect when and after a bankruptcy they are on, Experian knows this and refuses to correct the problem. This is my consumer information about me and should reflect true and accurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Caneel Capital, LLC
State: CA

Complaint narrative:
On XX/XX/2020 a process server served Trinita ( " Debt Collector '' ) CONSUMER NOTICE OF DISPUTED DEBT 15 U.S.C. 1692g et seq. FDCPA ; Alleged Plaintiff are debt collectors as that term is defined by 15 USC1692a ( 6 ) and Cal. Civ. Code 1788.17. Defendant is a consumer as that term is defined by 15 USC1692a ( 3 ) and C al. Civ. Code 1798.140.

The debt collector has not stopped from collecting the debt after being served the debt dispute letter pursuant to 15 U.S.C. 1692g et seq. FDCPA. The debt collector continues to damage me ( XXXX XXXX ) by threatening foreclosure sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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: DISCOVER BANK
State: GA

Complaint narrative:
My account has incorrect information and is being used without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
My account has incorrect information and is being used 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 2020-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Hunt & Henriques
State: CA

Complaint narrative:
Dear CFPB, I want to report that Hunt and Henriques Attorneys at Law have failed to respond to my debt validation and verification of claim letter dated XX/XX/XXXX and to the CFPB Complaint I filed on XX/XX/XXXX Case # XXXX. 


Attached you will find a copy of my demand letter for validation of debt and verification of claim and sworn affidavit under penalty of perjury by an agent with authority and first hand knowledge to authenticate their claim. 

As of today, Hunt and Henriques Attorneys at Law have not responded to my demand letter according to consumer protection rights under FDCPA, CFPB, FTC and XXXX-FDCPA. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: MA

Complaint narrative:
They didn't place a freeze on my credit report

Company response to consumer: Closed with explanation