vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-18 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$890.00}, {$8500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XX/XX/XXXXXXXXXX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$890.00} -This is not my account. 

-- AUTO ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$890.00}, {$8500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$890.00} -This is not my account. 

-- AUTO ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have contacted Experian Credit Bureau on three separate occasions by certifies return receipt mail via the United States Postal System., Each attempt has failed and been unsuccessful.. The problem is that on my account specifically that of XXXX XXXX XXXX XX/XX/XXXX, Account Number XXXX Date Opened XX/XX/XXXX., Experian has failed to correct my Payment Status to : Paid As Agreed not the the current Payment Status : Current but was 30 days past due., As XX/XX/XXXX and XXXX XXXX have Purported since XX/XX/XXXX, XXXX, Please let the record show and reflect that on this date of XX/XX/XXXX @ XXXX Eastern Standard Time XXXX that I hereby have no claims or disputes with the account and the way its been reported by XXXX XXXX XXXX XX/XX/XXXX..I have had no issues with the information being reported correctly on my XXXX XXXX and XX/XX/XXXX Credit File XXXX Only Experian XXXX They are in violation of the FCRA Subsection 623a which specifies that Experian has a DUTY to CORRECT and UPDATE INFORMATION., And that a furnisher that regularly furnishes information is also required to notify the Credit Reporting Agency if it has determined that previously furnished information is not complete or accurate and to correct that information., To this date Experian alone has failed to update my Payment Status to, Paid As Agreed. I have no disputes and or claims of erroneous reporting by XXXX XXXX as I will provide them a copy of this complaint which is strictly and specifically directed at Experian Solely.

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 2020-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: GA

Complaint narrative:
On XX/XX/2020 i filed a complaint against this company that is trying to collect a debt that i do not owe them i am asking them to show me proof of my signature on any contract with them either in person or electronically. I do not know this company nor have i signed a contract weather in person electronically by voice or any methods of agreement with them.

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 2020-11-18 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: VA

Complaint narrative:
Hello, I sent a total 7 disputed requests to Equifax regarding the XXXX account XXXX XXXX XXXX no longer being serviced by the company and has been discharged and sold with a company Im currently working with to fix the issue. However Equifax hasnt completed an In-depth investigation or have reached out to XXXX or they wouldve known this and removed the item from my credit reiport. Instead they keep reporting it on my report late and marked, as derogatory. What happen to credit reporting agencies being held accountable? 

They have done a poor job with reporting accurate information when it comes negative accounts. I have attached an letter from XXXX admitting this account is no long with them. The XXXX Account should be deleted right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R & B Corporation of Virginia
State: CA

Complaint narrative:
I was a customer of XXXX XXXX at my home in XXXX XXXX California. XXXX XXXX XXXX XXXX XXXX CA XXXX account : ( XXXX ). When I terminated the service ( XX/XX/2018 XXXX and moved overseas I had a credit balance on my account and had expected to have a check in the mail on hold at my PO Box . Months later I decided to just check on the account to make sure everything got processed I was told that I now owe {$220.00}. What? I learned that XXXX never turned off the service in their system despite me returning all of the equipment. I called three separate times over 12 months and each time I was told they would fix. Dispute XXXX / XXXX as agent - 2nd attempt with history. Not only did they not fix it, they turned it over to collections which has affected my credit score. The easy thing would be to pay this but it is a matter of principal. Honestly I just want this cleared. I do not care about getting my credit back at this point. The fact that a companies systems are so screwed up and focused on the customer being wrong that they can not even correct their own problems internally speaks volumes.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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: TX

Complaint narrative:
On XX/XX/2020 I applied for a loan with XXXX XXXX XXXX to purchase a used XXXX, I was approved for the loan which should have been the end of it there. But then on XX/XX/2020 another hard pull was added to my credit report. I proceeded to email the loan officer on XX/XX/2020, about the second hard pull and that I wanted it removed. I never received any response back from the loan officer I had contacted.

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 2020-11-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
On XX/XX/2020 I contacted Credit Control Corp in order to dispute several medical bills that were just placed on my credit reports without notifying me by mail of the debts and allowing me to dispute them. This killed my good credit rating. I asked for a debt validation letter and asked could they please provide contracts with my signature making me obligated, which they could not provide. I've had health insurance at the time the services were rendered, and I provided them with the proof of my health Insurance cards. They still did not remove the erroneous account. I sent them a second letter on XX/XX/2020 demanding that they comply with the law and remove this account that they could not verify. The company still continued to send me medical bills stating I owed the debt. On XX/XX/2020, I contacted the company for the 3rd time to hopefully resolve this issue and they will not comply with the law. I do not owe this debt and I continue to get harassed by them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Autovest, L.L.C.
State: CO

Complaint narrative:
In XXXX I was served for collection on a repossession. The debt was charged-off and sold to Autovest, LLC. I went to court, and worked out a payment arrangement with the creditor 's attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), so a judgement wasn't granted or entered in the court. I was paying on the payment plan for several months until I defaulted in XX/XX/XXXX. 

The creditor 's attorney sent me a letter, appearing as if it was responding to a judgement. The letter is on the county court format, and states " Notice to Judgement Debtor Pursuant To Section 24-33.5-704.3, C.R.S. '' The form is dated XX/XX/XXXX, but it states " This form is applicable until XX/XX/XXXX, unless extended by the Administrator to a date not later than XXXX, XXXX, XXXX '' I feel like the creditor is trying to intimidate me, or scare me into thinking that a judgment has been issued, but I contacted the county court and they have no record of the case number. Additionally, I did a statewide public record search, and checked my credit reports, and there aren't any judgements in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Capital One still has not provided me with all the information I have requested. I have submitted a XXXX Police Report and am in the process of filling out the packet for proper ID Theft Submission. Per the original request, I wish a paid in full letter sent to me by this company. Incident Report XXXX Police XXXX - XXXX attached. 

Capital One - ( {$430.00} ) ( certified Validation letter ( s ) etc. sent ) Company refuses to provide valid full information regarding the fair credit reporting act ( original application etc ). I provided this company with a notarized affidavit. Company Letter ( s ) Note : I am responsible for all charges after investigation, information regarding " how '' the investigation ( s ) were handled was denied. ( by phone )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: OK

Complaint narrative:
I was declined the opportunity to open a bank account as Chex Systems is reporting charge offs by several banks that is the result of Identity Theft. 

1. XXXX XX/XX/XXXX 2.XX/XX/XXXX XX/XX/XXXX 3XXXX 4.XX/XX/XXXXXXXX XX/XX/XXXX 5 XXXX XXXX XXXX XXXX XXXX 6 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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: PA

Complaint narrative:
on XX/XX/2020 i Contacted Transunion,XX/XX/XXXX And XX/XX/XXXX about inaccurate information reporting to my credit report. According to the fair Credit Reporting Act section 609 this companies are required to verify information being reported on my credit report. On XX/XX/2020 i followed up with the bureaus because i Didn't get a response. Today is now XX/XX/2020 and i still have not received a response. I have been waiting for well Over 60 days this a a violation.

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 2020-11-18 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: VA

Complaint narrative:
Hello, I sent a total 8 disputed requests to Experian regarding the XXXX account XXXX XXXX XXXX no longer being serviced by the company and has been discharged and sold with a company Im currently working with to fix the issue. However Experian hasnt completed an In-depth investigation or have reached out to XXXX or they wouldve known this and removed the item from my credit reiport. Instead they keep reporting it on my report late and marked, as derogatory. What happen to credit reporting agencies being held accountable? 

They have done a poor job with reporting accurate information when it comes negative accounts. I have attached an letter from XXXX admitting this account is no long with them. The XXXX Account should be deleted right away.

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 2020-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/2020, I authorized a purchase with XXXX XXXX for {$3000.00}. On XX/XX/XXXX, I realized it was the wrong item and purchased the right item. I called the merchant on XX/XX/XXXX who assured me that they would cancel the XX/XX/XXXX transaction. They never cancelled the transaction. So I returned the item and was credited XX/XX/2020. 
In my anger with the merchant for not canceling the first transaction, I declined delivery on the 2nd order. The order was sent back to the merchant with their XXXX  Tracking # XXXX There were 2 debits and one credit from my Capital One account from XXXX XXXX in XXXX. There should have been 2 debits and 2 credits. 
I tracked the declined delivery shipment and it says returning back to sender. I called XXXX to find out if this was a glitch but they refused to give me further information, saying they could only provide information to the shipper. If XXXX  does not have their package, they will need to call XXXX. 
I filed a dispute with Capital One in XXXX trying to get my money back. My initial claim was declined because the claim rep disputed the amount that was refunded. I filed another dispute with the same result. 
It is extremely frustrating as it appears Capital one is not taking the time to read the notes or go through the transactions. The lack of attention to detail and alarms me and I want no further involvement with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Numerous inquiries were added to my credit report 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 2020-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Williams & Fudge, Inc
State: AZ

Complaint narrative:
This company called my cell at dinner time asking if i knew how to contact a random person. They did not introduce themselves as the company they were calling from nor did they say that it was an attempt to collect a debt. They said the calls were recorded and asked if if I was myself and I responded yes. I was asked to give them my name again and then he immediately asked for a phone number so that they could reach this other person. When i tried asking who he was he did not want to give me any details about the company or why he was calling. I called back several times to try and get a different agent on the phone to find out more, as it seemed like a scam, but each time the call connected to the same guy. When i called again to ask how he could have possibly gotten my information, the guy says it was public information that I was married to this person. I have never been married in my life. I told them to stop calling people who did not offer their contact information to avoid this creepy situation and he says he can call anybody he wants to. He also stated he had 2 other ladies to call with my same name to try to track down this other person. Unfortunately, wont know thats the reason until its too late Im sure. The technique of collecting peoples information from other people in order to collect a debt does not seem moral.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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: PA

Complaint narrative:
on XX/XX/2020 i Contacted XXXX, Equifax, And XXXX  about inaccurate information reporting to my credit report. According to the fair Credit Reporting Act section 609 this companies are required to verify information being reported on my credit report. On XX/XX/2020 i followed up with the bureaus because i Didn't get a response. Today is now XX/XX/2020 and i still have not received a response. I have been waiting for well Over 60 days this a a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
on XX/XX/2020 i Contacted XXXX, XXXX, And experian about inaccurate information reporting to my credit report. According to the fair Credit Reporting Act section 609 this companies are required to verify information being reported on my credit report. On XX/XX/2020 i followed up with the bureaus because i Didn't get a response. Today is now XX/XX/2020 and i still have not received a response. I have been waiting for well Over 60 days this a a violation.

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