vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: FL

Complaint narrative:
Sent a debt Validation letter to company to I.Q Data international in order to Validate a debt they stated I owed.. In the letter of Validation I asked the company to provide me with a Signed copy of the agreement staying that I owe what they said I owe. i also asked company to provide me with the proof that they were able to collect in my state.. After request sent priority mailI, I.Q Data International responded with only a print out of charges that included a number that did not belong to me.. After receiving, I sent a followup letter to give them another chance of properly validating my debt as I asked but I have received no response of proper paperwork from them since and its been past 30 days since I sent the follow up letter priority mail..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
On Tuesday the XXXX of XXXX i received an email from lightstream that due to my excellent payment history of 131 months without a late payment and my FICO score of XXXX that i could qualify for a debt consolidation loan up to {$100000.00} at 5.95 %. I applied and was denied based on my credit score for the {$70000.00} loan. I was told to re-apply for a {$35000.00} loan, again i was denied due to my credit score. I called and was assured that i would receive a {$20000.00} loan for 36 months at 5.95 %. Again the computer denied me based on credit. I called and spoke to XXXX the operations manager who denies that a staff member would ever guarantee a loan, even though all there conversations are recorded.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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 — Was not notified of investigation status or results
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I initially sent a series of correspondence to the Credit Reporting Agencies as well as the Actual Creditor. 

I am fully aware of how reporting works and found demonstration of non-compliance in accordance to the XXXX and XXXX XXXX format formateignoring to report. 

Account XXXX After reviewing my credit report again, I have noticed that the item has been reinserted. It is my understanding that a deleted item can not be reinserted unless the original providers of the information have verified that it was being reported correctly. Is that what has happened? If so, I am requesting all documentation proving the certification of accuracy. 

Please see attached documents of proof of me sending the letter and the agencies receiving them. In addition to that, please note that they are ignoring my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of XXXX updates. XXXX XXXX XXXX XXXX 

It is very serious that you please investigate and resolve as this is harmful to my character and is obstructing my ability to obtain financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion has detrimentally hurt my reputation by reporting and exhibiting false/misleading information to my consumer reports - totally disregarding my consumer rights and also the consumer laws to which they are governed. 

I have tried to resolve this issue with this reporting agency on multiple occasions with certified mail and notarized factual documents. 
XX/XX/2021 XX/XX/2021 XX/XX/2021 **And I have kept a copy of all mail/documents for legal proceedings. 

I am also truly hurt that I have tried to resolve this issue with you all, the CFPB, as well and unfortunately you all have not yet held them accountable for total disregard of consumer rights and laws. 
XX/XX/2021 This info is exhibited by violations in my attachments. 

Enclosures : - Laws violated - Affidavit of Truth - notarization - Invoice to be paid by XXXX for each violation of my consumer rights ( {$5000.00} )

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 2021-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Source Receivables Management LLC
State: TX

Complaint narrative:
On XX/XX/2021 I sent by certified mail a dispute to Source Receivables. The collection agency is claiming that I still owe money to sprint, but everything was paid. Since then, the collection agency keeps reporting a balance to the credit bureau but they haven't responded to me. On XX/XX/2021 I decided to dispute the same account with the credit bureaus, but as of today, I haven't gotten any responses from neither of the credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is reporting inquiries that is over 2 years old which should have been deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
Sent me a bill for a debt that belongs to XXXX XXXX. My name is XXXX XXXX. This is not my bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
Sears/Citibank was allowed to run my credit report based off false pretenses. The company and its representatives advised me that I would be able to make the purchase immediately and the card information would populate immediately in my sears cart online. After maybe 5 different calls to their different departments I was advised to drive almost a hour away to make the purchase via phone in store to confirm with my identification. Once I arrived I was told that XXXX XXXX and Sears are not connected in anyway. After seven or more additional calls to Sears on the long drive back home. I received the same run around with each representative blaming other departments for the misinformation. Finally on Sunday XX/XX/2021 I was finally told the truth that the Sears card that was advertised on their site in the check out cart as being " Apply and Use '' on their website was found to be an false advertisement. they told me the card would arrive via mail within 10 - 14 days. This was for a refrigerator my family desperately needed at the time. I immediately told them to cancel this account that was promoted falsely. They told me they would like to apologize for the mix up and incorrect information I was given ( also in the same call told me that it usually works ). I explained to them that I allowed my account to be accessed based off what I was told online and via phone by their representatives. And although credit is an privilege it is also something each of us have to protect. My request that this inquiry be removed from my account based on it being an inquiry acquired off untruth and false advertisement was declined by Sears/CNBA. After two complaints with XXXX the inquiry still remains. These companies cant give false information on the products or reasoning they are requesting a persons information for an inquiry. Its not right and its fraud. Thank you for your time and help. Please Help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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: Terrill Outsourcing Group
State: SC

Complaint narrative:
The call is not for me. Somehow they got my direct line at work. They confirmed that the call is not for me and I was told that the number would be removed from the profile. However, their robocaller calls on a daily basis and leaves messages. However, I never witness the phone ring. I work from XXXX to XXXX which means the most be calling before XXXX or after XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Revenue Corporation
State: TX

Complaint narrative:
On XX/XX/2021 I sent a verification letter to excise my rights under the FDCPA to United Revenue Corp to verify the debt. On XX/XX/2021 the company sent me a response letter stated the account has been verified, without providing me with any proof on how they verified the accounts nor contact number to whom they spoken with. On XX/XX/XXXX I called United Revenue Corp due to their response, I stated I have no knowledge of these accounts and need for the company to send me proof of signed documents. The Rep at United Revenue Corp stated that she don't have my documents to verify and I need to call the Emergency Department and speak to the Physician. 

I also

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have these accounts that are not mine and i want them to be remove from the 3 credit reporting agencies.

XXXX  1. Identity Theft XXXX/XXXX  Account XXXX  : XXXX This is not mine. 

2. Identity Theft AMEX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft AMEX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine. 


XXXX  1. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft AMEX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft AMEX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX  1. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft AMEX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft AMEX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX tel # : XXXX amount of dollars : {$1000.00} claim # : XXXX This claim # XXXX is similar to this claim above for {$1000.00}. It didn't issue me a provisional credit nor questioning by phone call. So, please favor me with the amount of dollars above because it was a fraud claim and not a refund claim and it was just a prediction by the researcher. 





customer, XXXX XXXX  XXXX I have faxed into XXXX to reopen up my claim but it seemed they didn't receive it.

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 monetary relief
Consumer complaint received 2021-07-22 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: 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 {$450.00}.

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 ) -- OPEN ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2015 with a credit limit of {$450.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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: WA

Complaint narrative:
I was made aware of a fraudulent account opened in my name on XX/XX/2021. I immediately contacted the company ( XXXX ) that the account was opened with, who advised me they would open an investigation into the matter. They advised me to follow-up with Transunion as well so they could begin an investigation as well, which I did. I didn't receive any other communication from XXXX, or advisement of the outcome of Transunion 's investigation. When I checked my credit report, I found that the account had been 'charged off ' which I thought meant it was taken care of. My credit score took a huge dive, but I thought it was because I had charged up my credit cards during my home renovations. Come to find out, XXXX had been sending all correspondence regarding my claim to the person who had opened the account. I never received further communication from their company, nor did I know that this small load had gone into collections. Once I realized what was happening I called XXXX immediately to work on getting the matter resolved. Communication with them was ridiculous as apparently their fraud department doesn't have phones. I have sent letters to all credit agencies explaining the situation in hopes to get this removed from my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have been reaching out to TransUnion concerning to previous complaint about the inaccuracy being reported on my report. However, TransUnion have failed to provide me any feedback and updates with regards to my concerns. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Please see the following inaccuracy I found on my report : XXXX  XXXX  Date of inquiry XX/XX/2020

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all XXXX credit reporting agencies. 

1. Identity Theft BBVA USA Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX  OF XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX  Account Number : XXXX This is not mine. 

10. Identity Theft 08 COMPASS BANK Account Number : XXXX This is not mine. 

11. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: MA

Complaint narrative:
Dear CRA/ ERC/ XXXX CFPB ; 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 response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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 been reaching out to Experian concerning to previous complaint about the inaccuracy being reported on my report. However, Experian have failed to provide me any feedback and updates with regards to my concerns. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Please see the following list of the inaccuracies I found on my report : XXXX BANK XXXX Date of inquiry. XX/XX/XXXX XXXX  CARD Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry 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 2021-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Run Solutions, LLC
State: MD

Complaint narrative:
This debt is currently reporting on my XXXX consumer credit report and is disputed by the consumer, as follows. 

1 ) Debt validation has not been provided by the reporting debt collector 2 ) The debt collector has no contract with the consumer for the amount owed 3 ) The consumer does not acknowledge a debt owed to this debt collector 4 ) The debt collector has been notified by USPS mail of the nature of this dispute, per attached

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation