vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-01 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: MN

Complaint narrative:
ATTACHED TO THIS COMPLAINT IS A ID THEFT POLICE REPORT. There is a inquiry on my credit report that I don't have an account with, nor authorized to pull my credit file, as I do have a fraud alert on my Experian file. I did not authorize this inquiry. The inquiry is by " XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, GA XXXX. Contact : ( XXXX ) XXXX '' dated XX/XX/2019.

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 2019-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
Ability Recovery Services has never sent anything communicating with me. They have violated the FCRA/TDCPA by not providing me with the opportunity to dispute this information I am not able to request debt validation from them. This has been disputed with the CRA 's and is negatively affecting 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 2019-12-01 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$36000.00}. 
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.

-ACCOUNT- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$36000.00} -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 2019-12-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Grant Mercantile Agency
State: RI

Complaint narrative:
I had a small debt of {$50.00} for a medical co pay for an ambulance transfer. The debt was paid to the company and the check was cashed. I received a collection letter from a collection agency stating that I owed {$53.00}. Not only was the debt paid, the company had no right to charge another {$3.00}. I find this practice unfair, deceptive and predatory.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
I have been disputing this for the past 8 months. Not one time has this company provided me with any type of information to verify this debt as belonging to me. They have stated in the disputes that they will provide the information. However they still have not. I filed a complaint most recently with the CFPB on XX/XX/XXXX complaint ID XXXX and the company responded again saying they will provide me with information. Again they have not. This is far past the time frame by law that this company has to respond and Im not sure why they are continued to behave this way and not remove this from my credit report. It is clear they can not provide this any type of information. Im hoping this will be the last dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01 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:
To Whom It May Concern TransUnion is listing erroneous and fraudulent information on my credit report. I have written TransUnion last year XXXX and again on XX/XX/XXXX and have sent them the original documentation of my Identification and proof of address, that proves the information they have listed in my credit file is fraudulent. 

Fraudulent and erroneous Information listed on my credit report that needs to be removed Erroneous/Fraudulent Account : A. Creditor : XXXX XXXX XXXX : Unknown Account I wrote this creditor in XX/XX/XXXX and requested documents, contracts or agreements with my signature showing that I owe them money. They responded stating that there was no account found and requested my social security number and additional information. I did not send this information because we have no contract, and they would have this information. This account had been removed from all 3 credit bureaus and been added back. 

B. Creditor : XXXX XXXX Account Number is Unknown I also wrote twice to this alleged creditor requesting debt validation and an agreement with my signature and they had 30 days each time from receipt of letter to send to me, and they have not responded, but TransUnion somehow " verifies '' this item as belonging to me. 


C. Creditor : XXXX XXXX Account Unknown Previously deleted account re-appeared. 


TransUnion is not giving me a proper investigation and Trans Union is knowingly and willfully placing fraudulent and erroneous information on my credit report. As you know consumers credit reports must be 100 % accurate, my credit report is not and TransUnion is purposely violating the FCRA. Please make them remove the fraudulent and erroneous listed above off my credit report.

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 2019-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2019 a fraudulent charge was made at a XXXX XXXX store for {$430.00} using my Venture Capital One credit card account information. I was in a meeting when a pop up on my cell phone screen asked if I would authorize this charge.. I declined the charge. Then shortly after another charge was attempted. I called Capital One and cancelled the credit card. Capital One assured me that these charges were not charged and I would not be responsible..due to their policy of " 0 Fraud Liability '' for the cardholder. The charge of {$430.00} appeared on my XXXX card statement and was reversed. On my XXXX statement teh {$430.00} charge reappeared as an " adjusted charge ''. I called Capital One and they said- that because the purchase was made with a chipped card I was responsible for the charge- but if I could get a police report and information from XXXX XXXX they would re-open the case. So, I did get a police report, XXXX XXXX has surveillance of the transaction and a suspect is under investigation. All of this was documented and sent to Capital One Fraud as  requested by certified mail. My most recent call with a supervisor at Capital One confirmed that the case is closed on their end.. that I am responsible for the fraudulent charge and that there is nothing I can do to re-open the case. I feel totally betrayed and scammed by Capital One. How many people do they do this to you? 
How many people pursue them legally ...? Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01 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: AL

Complaint narrative:
Back in XXXX XXXX  one of the 3 major Credit Reporting agencies leaked the data of XXXX million Americans, including myself. The data breach exposed ( My Name, Birth Date, Address, Phone Number, Social Security Number, as well as my Drivers Licenses number ) As a result of this breach, I have become a victim of identity theft, leaving my credit file tarnished and my overall credit score destroyed. This negligent on XXXX part, will leave my personal information permanently available for access at any time. My name, date of birth and social security number are never changing ; therefore, I am at risk of identity theft at any time. Im a very private person therefore knowing that my personal information is in the hands of The XXXX  XXXX Hacker I will forever have to look over my shoulder, check my credit score for accuracies, and fear of someone using my personal information, this has caused me a lot of mental and emotional stress. Credit reporting laws ensure that your organization report only 100 % accurate information, due to the XXXX XXXX  Security Breach your company is in direct violation of the Fair Credit Reporting Act. XXXX was negligent in allowing my personal data to be breached, I am demanding the incorrect information reported as a result of this breach be removed upon receiving this letter. If you do not immediately remove this inaccurate information from my credit file, my lawyers in filing suit against your company in the State of Alabama Circuit Clerk of XXXX County on XX/XX/XXXX at that time I will seek for Punitive damages, cost for attorneys fees, court cost, as well as compensation for ongoing emotional distress, anxiety, and harassment due to this security breach. 

The following accounts are currently being reported to my Credit Report with Transunion, XXXX, and XXXX. These accounts are a result of the XXXX XXXX  breach. 

1.XXXX XXXX {$440.00} 2.XXXX XXXX {$450.00} 3.XXXX XXXX {$560.00} 4.XXXX XXXX {$300.00} 5.11 XXXX XXXX XXXX {$440.00} 6.01 XXXX {$450.00} 7.12 XXXX XXXX   {$560.00}

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 2019-12-01 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:
To Whom It May Concern Equifax is listing erroneous and fraudulent information on my credit report. I have written Equifax last year XXXX and again on XX/XX/XXXX and have sent them the original documentation of my Identification and proof of address, that proves the information they have listed in my credit file is fraudulent. 

Fraudulent and erroneous Information listed on my credit report that needs to be removed Erroneous/Fraudulent Account : A. Creditor : XXXX XXXX XXXX/XXXX : Unknown Account I wrote this creditor in XX/XX/XXXX and requested documents, contracts or agreements with my signature showing that I owe them money. They responded stating that there was no account found and requested my social security number and additional information. I did not send this information because we have no contract, and they would have this information. This account had been removed from all 3 credit bureaus and has reappeared.. 

B. Creditor : XXXX XXXX Account Number is Unknown I also wrote twice to this alleged creditor requesting debt validation and an agreement with my signature and they had 30 days each time from receipt of letter to send to me, and they have not responded, but XXXX somehow " verifies '' this item as belonging to me. 


C. Creditor : XXXX XXXX Account Unknown Previously deleted account and re-appeared as XXXX. This is the same organization which could not adequately verify the debt and had been deleted. 



Equifax is not giving me a proper investigation and Equifax is knowingly and willfully placing fraudulent and erroneous information on my credit report. As you know consumers credit reports must be 100 % accurate, my credit report is not and XXXX is purposely violating the FCRA. Please make them remove the fraudulent and erroneous listed above off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01 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: LA

Complaint narrative:
HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

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 2019-12-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I have filed a dispute with XXXX XXXX and the creditor has not provided any information to me to verify this account. I have reached out to them and gave them my name and social and they said I dont have a account 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 2019-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
1. Purchase an online cruise through XXXX  XXXX on XXXX XXXX 2. This charge represented the booking fee ( {$25.00} ) and trip insurance ( {$75.00} ) 3. The cruise was cancelled due to Hurricane Dorian ( XX/XX/2019 ) 4. XXXX XXXX refunded all fees and charges 5. A XXXX rep said the booking fee was not refundable but the insurance should be 6. After no refund, opened a dispute with Barclays 7. Barclays just closed the case so I reopened 8. Barclays then states that the refund policy was agreed at purchase but I was never informed. 
9. How does XXXX retain fees when a ) the cruise was cancelled but b ) more importantly the insurance was not activated nor used as full refunds were provided by the carrier XXXX XXXX. This is fraud and a complete rip off of all consumers

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 2019-12-01 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: LA

Complaint narrative:
HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01 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: LA

Complaint narrative:
HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

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 2019-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
LVNV Funding LLC Account # : Unknown Amount : {$830.00} To Collection Manager : This letter is the second time to inform you that the validity of this debt is disputed. I am unaware of this account and have no verification this debt is mine. I only know of this account based on it being reported in my credit report ( s ). As we both know, I have the right to dispute this account, request for verification, and/or request for validation of this debt. However, in order to quickly resolve this account, I would like to see the contract/agreement with my signature and any other supporting document you may have that I  have willingly entered into any sort of agreement with LVNV Funding LLC and if or where I agreed to have business with you or paperwork contracted for myself, XXXX XXXX & LVNV Funding LLC. I have made several attempts to reach your organization without resolve as each time because I am asked personal information which I do not feel obligated to give out to your representatives as I have no knowledge of being contracted to you in any way. Bills, and any statements that are originated from a secondary part are not considered validation of debt to you. 
Unless LVNV Funding LLC can provide proper validation as recognized in FCRA 15 U.S. Code 1692g ALL reported information regarding this account must be deleted from ALL credit reporting agencies immediately following receipt of this letter as specified above. 


Thank you for your time. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Slovin & Council Co., L.P.A.
State: OH

Complaint narrative:
I have recently discover that someone has been using my ID and personal
financial information to open up accounts for lines of credit and business
transactions with companies that I do no recognize. I have several lawsuits that I
was unaware of that have dubious origins and various jurisdictions. I was able to
locate the Franklin county items that are not mines and are fraudulent actives
starting on or around 2004 to present. I have file a FTC ID The Affidavit as well
as a CFPB compliant against these companies. The follow accounts and case are
fraudulent/unknown/unverified : RANDY T. SLOVIN SLOVIN & ASSOCIATES/
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 2019-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have attempted to send a debt validation letter to this company, at the address they provided to the CRA 's. This address is not a valid address and my certified letter was returned. This intentionally deceptive act has prevented me from requesting a validation letter. Furthermore it violates the Deceptive Trade Act as noted below. When you try to reach LVNV the phone dials Resurgent Capitol Services. The original debt owner took me to court, I won the case ( dismissed with prejudiced in my favor ). This behavior is is also in violation of the FDCPA/FCRA/TDCPA Sec. 17.462. LISTING OF BUSINESS LOCATION OF CERTAIN BUSINESSES.
b ) A person is considered to misrepresent the geographical location of a business for purposes of Subsection ( a ) if the name of the business indicates that the business is located in a geographical area and : ( 1 ) the business is not located within the geographical area indicated ; ( 2 ) the listing fails to identify the municipality and state of the business 's geographical location ; and ( 3 ) a telephone call to the local telephone number : ( A ) listed in the directory or database routinely is forwarded or transferred to a location that is outside the calling area covered by the directory or database in which the number is listed ; or ( B ) provided on the Internet website or in a print advertisement routinely is forwarded or transferred to a location that is outside the calling area of the geographical area as indicated by the name of the business.

Sec. 17.50. RELIEF FOR CONSUMERS. ( a ) A consumer may maintain an action where any of the following constitute a producing cause of economic damages or damages for mental anguish : ( 1 ) the use or employment by any person of a false, misleading, or deceptive act or practice that is : ( A ) specifically enumerated in a subdivision of Subsection ( b ) of Section 17.46 of this subchapter ; and ( B ) relied on by a consumer to the consumer 's detriment ; ( 2 ) breach of an express or implied warranty ; ( 3 ) any unconscionable action or course of action by any person ;

Company response to consumer: Closed with explanation