vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-22 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 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 2022-01-22 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: IN

Complaint narrative:
I have an ongoing grievance with XXXX XXXX  aka XXXX XXXX XXXX. This company, XXXX XXXX, XXXX aka XXXX XXXX XXXX is claiming that I have an outstanding balance with them, of {$3100.00}. 

I have never entered in any agreement with them, nor have I ever applied for any type of credit with his " COLLECTION AGENCY ''. This company has been FRAUDULENTLY reporting, XXXX, bogus accounts to the credit bureaus, for over the past couple of years. They've reported the accounts, under the name XXXX XXXX, XXXX, once it gets deleted from the bureau, they'll report this BOGUS account, under their " SISTER COMPANY '' XXXX XXXX XXXX ''. 

The companie ( s ), share the same address : XXXX XXXX XXXX XXXX, SC XXXX. 

I have sent them a notarized Affidavit, demanding proof of debt and asking for a document, with my signature, proving that I owe this debt to them. THEY IGNORED my request and have continuously, illegally reported this FRAUDULENT 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 2022-01-22 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( Original Creditor : ) XXXX ( Original Creditor : XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 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: PA

Complaint narrative:
I disputed with the credit reporting company. They did nothing to resolve the situation. They sent me the SAME information that I already saw on the report that I disputed. I waited for that??? 
Why should we bother with credit reporting agencies anymore? They encourage debt and when you have a dispute about incorrect information, THEY COULD CARE LESS. 

I'M DONE.

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 2022-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: TrueAccord Corp.
State: TX

Complaint narrative:
On XX/XX/XXXX, TrueAccord contacted me via email about an unvalidated debt from XXXX from XXXX 's ( {$1000.00} ) that was purchased by XXXX XXXX, XXXX. I responded with an email requesting they not contact me, my friends or family, or employer about any debts they allege I owed. To my knowledge, I have never had a credit account with XXXX 's and I believe this debt collection to be incorrectly sent to my email address, regardless, I requested they cease contact with me. 

On XX/XX/XXXX, TrueAccord contacted me again via the same email address, to which I had previously requested they not send collection notifications, about another unvalidated debt from XXXX XXXXXXXX XXXX  in XXXX ( {$350.00} ), which again was purchased by XXXX XXXX, XXXX. I have responded again with a cease and desist contact email. Again, I have no knowledge of an account with XXXX XXXX XXXX  and I believe they are again emailing an incorrect address. 

Both times the contact name attached to my email address had an incorrect middle initial, which, combined with my lack of knowledge of these accounts, leads me to believe they have not done their due diligence and are assigning my email address to another person 's collection account at TrueAccord.

Both of the alleged debts are well over a decade old, and beyond any significant actionable collection methods. I would like TrueAccord to cease collection communications with me via email or phone unless they are certain the debt belongs to me and is of an age that collection is within the scope of Texas statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I noticed charges to my checking account debit card that I didn't recognize. The first was for {$13.00} and later, three subsequent charges of {$47.00}. They were all end of the month charges that were from 4 different companies that looked very similar. I called the bank, CapitalOne and the amounts were temporarily credited to my account. I recieved an email from CapitalOne that the first two charges, {$13.00} and {$47.00}, were approved and the later two, {$47.00} each, were denied. I called CapitalOne again as I was confused as to why the first two transactions were found to be invalid but the last two were deemed legitimate. I asked to speak to the department that makes the discission or supervisor but I was told they are not available to speak with customers. They told me that they would send the documentation to me that was used to make the determination. The documentation from the merchants were identical with the exception of the company names. This is where I found the charges were for " XXXX XXXX. '' I called again to CapitalOne to tell them I disagreed. I was able to get them to re-submit my claim as I never recieved the " XXXX XXXX '' that I was billed for. I was temporarily credited the two {$47.00} charges. I recieved an email from CapitalOne that the resubmitted claim was being denied because I had already submitted a claim for these transactions. I called again. I was told that another claim would be sent in. I sent the card investigations department an email going over very thoughly why their determination was incorrect. They replied with the same documentation and noted they will not reply again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I recently inquired before about my account being closed, and I got a response from citi executive team. The main issue is the funds left in the account, I was told by the team that I can walk in my nearest Branch with a third party to receive funds and when I proceed to do so, the Branch said they cant because there is a block on my account, I showed them the email sent to me by the citi executive team and they disregarded it because only the fraud team can approve whether I can access my funds. I called the fraud department and they arent helpful, they just hang up on me, and say the funds are going to be sent back to the issuer. And they wont put any note to let the branch release my money to me. This is MY money and I need it immediately. One person says I can go to the branch, another said I cant. I just need my funds as soon as possible.

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 2022-01-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Jon Barry and Associates, Inc.
State: OH

Complaint narrative:
Paragon Collection Agency from North Carolina reported me to experian without ever contacting me. 

XXXX said the date was XX/XX/2021 I received a text on my XXXX Credit Card site about this My credit rating went from XXXX to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: KY

Complaint narrative:
I am having a identity theft issue that I am not able to resolve directly with the credit reporting agencies or the companies. I have decided to file complaint for myself in hopes that the back and forth ends here. I have already open a case with the US Federal Courts to assist me with the suffering this has caused. I had to do my own research into the matter and I find that the credit reporting agencies reporting fraudulent accounts to my credit file without my permission is a consumer law violation per 15 USC 1681 ( b ). DISCOVER is a inaccurate account on my credit file and is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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

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 2022-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
Portfolio Recovery Associates, LLC at XXXX XXXX XXXX XXXX VA XXXX has been sending me collection notices in the amount of XXXX. The collection has been reported as past due balance. I do not know this company. The company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-01-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Army and Air Force Exchange Service
State: CA

Complaint narrative:
I disputed the charges listed below, as I did not make them. I believe I was the target of a identity thief. I went through a similar situation with a different account of mine around the time of the purchases listed below. I had not used the account since XX/XX/XXXX and did not notice it was in use until I checked my Credit report on XX/XX/XXXX ( the date I submitted the first time I filed for these charges ) and saw the Balance. When I logged on to the account I saw that my account information had been changed and I updated it immediately. I ve attached images of the Information that was on the account, you will be able to tell that am not associated with any of the Information on those images. 

Date Description Reference # Location Amount : XXXX XX/XX/XXXX Charge XXXX XXXX {$4700.00} XXXX XX/XX/XXXX Charge XXXX XXXX {$1500.00} XXXX XX/XX/XXXX Charge XXXX XXXX {$350.00} The last transaction I made on this account was to pay it off on : Date Description Location Amount : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Payment - {$810.00} -I was held liable on XX/XX/XXXX & XX/XX/XXXX. The representative I spoke with told me the reason I was held liable was because the items were ordered online and picked up on base. She repeatedly cited the company 's policy of checking IDs before Items can be released as the reason I was liable. I asked if there was a way to show that it was my ID that was logged or recorded, she would not give me an answer but kept citing company policy. 

-Through my own inquiries made with the loss prevention department at the XXXX XXXX ( the location the items were released ) I found out a female that is not associated with me calling from a number that is not associated with my account or me, called 7 times about the purchases in the time between the items where ordered online and picked up from the store. I was never alerted or informed about this by XXXX. Also I was informed that no request for security footage was made during the time of the investigation. Also I was told that the exchange in question had fired employees around that time for fraudulent activities and theft. 

-I was able to find out that my account was not showing the exact date and time in which the items were picked up, which is an abnormality. 

-I made repeated attempts to escalate my claim but the I found the same person handled my case both times I submitted. 

-After I was held accountable I made repeated requests to be sent all the Information regarding my claim and decision but the information was never sent me nor were my emails responded too. 

-I also inquired about further escalation after I was given a " final closure letter '' and was told there was nothing I could do

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 2022-01-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. These accounts are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove them from my personal credit file. Thank you. 

ARS ACCOUNT RESOLUTION ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$710.00} ; ARS ACCOUNT RESOLUTION ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$1000.00} ; ARS ACCOUNT RESOLUTION ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$1100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

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 2022-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: NY

Complaint narrative:
I have called Fay Servicing many times, emailed Fay Servicing many times about adding the loan number XXXX, address at XXXX XXXX XXXX XXXX, NJ XXXX to my existing online portal. After calling the company many times, speaking with XXXX and many other representative, the company still would not help to add my loan into the profile. I am afraid of losing the home because it is an intentional act and I can not make a payment at all or change the bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
On XX/XX/XXXX, XXXX contacted me via email about an unvalidated debt from XXXX from XXXX 's ( {$1000.00} ) that was purchased by LVNV Funding, LLC. I responded with an email requesting they not contact me, my friends or family, or employer about any debts they allege I owed. To my knowledge, I have never had a credit account with XXXX 's and I believe this debt collection to be incorrectly sent to my email address, regardless, I requested they cease contact with me. 

On XX/XX/XXXX, XXXX contacted me again via the same email address, to which I had previously requested they not send collection notifications, about another unvalidated debt from XXXX XXXXXXXX XXXX  in XXXX ( {$350.00} ), which again was purchased by LVNV Funding, LLC. I have responded again with a cease and desist contact email. Again, I have no knowledge of an account with XXXX XXXX XXXX and I believe they are again emailing an incorrect address. 

Both times the contact name attached to my email address had an incorrect middle initial, which, combined with my lack of knowledge of these accounts, leads me to believe they have not done their due diligence and are assigning my email address to another person 's collection account at XXXX. 

Both of the alleged debts are well over a decade old, and beyond any significant actionable collection methods. I would like XXXX to cease collection communications with me via email or phone unless they are certain the debt belongs to me and is of an age that collection is within the scope of Texas statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Marlette Funding, LLC
State: AZ

Complaint narrative:
Best Egg has continued communication in regards to the alleged debt after I gave notice that they cease and desist all communications with me in regards to the alleged debt pursuant to 15 USC 1692c ( c ). Best Egg has also failed to proved adequate documentation as request pursuant to 15 USC 1692g so that I can exercise my right as a consumer and accurately validate my obligation to the alleged debt, all I have received from Best Egg is copies of a loan agreement. I still have no information on who the original creditor is, there address and where the credit originated from. Pursuant to 15 USC 1681n ( a ) and 15 USC 1681o ( a ) Best Egg is noncompliant to my request to accurately validate my obligation to the alleged

Company response to consumer: Closed with explanation