vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-19 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:
Collection Company attempting to collect a debt that is not mine, That's Identity Theft and Fraud.

Collection Company They co

mmitted more than 1 violation, 15 U.S. Code Sec 1692g Validation of debts, They didn't provide me with the 5 things that constitute to validating the debt and even that's not validation because if they send me that, It is an allegation unless I agree.15 U.S. Code Sec 1692i ( a ) and ( b ) and I can keep counting on violations.

Each of credit reporting agencies has a different amount of the alleged debt on my report, ( misleading information ) And Collection company has a different amount as well {$950.00} Interest due {$130.00} Pursuant of 15 U.S. Code 1692f A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.

Also they sent me a letter refusing to investigate the account.

I will invoice them for each violation ( illegal activity ) If they don't take care of this matter.

I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). I need them to : Provide breakdown of fees including how you calculated what you claim I owe. 2 Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 3 An Audit trail Cease any credit bureau reporting until debt has been validated by me as required under the FCRA.

Send me proof that you are licensed to collect debt in my state. Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA I have never give XXXX, XXXX, XXXX a written consent ( 15 U.S.C Sec 1681b ( a ) 2 ) to furnish anything in my credit report agency, specially a alleged debt that is not mine.

No consent is Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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: NY

Complaint narrative:
I am complaining through the Bureau because Transunion LLC has not reasonably determined that ( A ) the information was blocked in error or a block was requested by the consumer in error ; I did not write an FTC report in error whatsoever. I noticed fraud on my file and notified Transunion and other Consumer Reporting Agencies, promptly. I have attested to that fact in an affidavit under the penalty and perjury of the law. Can Transunion show me any error they have found, in writing. I request that.

( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ; No misrepresentations, I submitted all pertinent fact relating to the fraud on on my consumer file and have taken appropriate means to block and remove them.

( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.

Please have a senior representative of any data furnisher that appears on my consumer file attest to the fact that I am in receipt of ANY goods, services or money. Transunion has determined that I may have but has submitted no proof of this ; I am requesting proof and if not provided proceed with my request to remove the fraudulent account from my consumer file ending in XXXX. 

On XX/XX/21 Transunion wrote a letter claiming that they will not process the block but have not given specific reason why not. This is harming my reputation and prohibiting me from extending credit as a consumer.

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 2021-09-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: IL

Complaint narrative:
i signed a contract with elastic XX/XX/2016 not with ncb management my original account with elastic account number ( XXXX ) consumer reporting agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and thier responsibility must consist of something more than merely parroting information recieved from other sources. the collection account is also reporting open, please remove this account immediately from my credit report. and please provide me a copy reflecting this account removed,,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I submitted a dispute to the credit bureaus on XX/XX/2021 and still haven't received a response by mail. It has been over 60 days and i will not wait another 45 days for no response. I will file a complaint with the XXXX XXXX XXXX and the Federal Trade Commission since i am not aware of these accounts. This has caused stress to my life. Please remove these account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: IL

Complaint narrative:
i originally signed a contract XX/XX/2019 with speedycash account number XXXX I didnt sign a contract with ad astra recovery amount {$1000.00} consumer reporting agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information recieved from other resources .the collection account is also reporting open i have a right to a accurate credit report please remove this account immediately from my credit report and provide me a copy reflecting this account is removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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: NY

Complaint narrative:
I am complaining through the Bureau because XXXX XXXX has not reasonably determined that ( A ) the information was blocked in error or a block was requested by the consumer in error ; I did not write an FTC report in error whatsoever. I noticed fraud on my file and notified XXXX and other Consumer Reporting Agencies, promptly. I have attested to that fact in an affidavit under the penalty and perjury of the law. Can XXXX show me any error they have found, in writing. I request that. 

( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ; No misrepresentations, I submitted all pertinent fact relating to the fraud on on my consumer file and have taken appropriate means to block and remove them. 

( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 
Please have a senior representative of any data furnisher that appears on my consumer file attest to the fact that I am in receipt of ANY goods, services or money. XXXX has determined that I may have but has submitted no proof of this ; I am requesting proof and if not provided proceed with my request to remove the fraudulent account from my consumer file ending in XXXX. 

On XX/XX/21 XXXX wrote a letter claiming that they will not process the block but have not given specific reason why not. This is harming my reputation and prohibiting me from extending credit as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
ON XX/XX/2021 I attempted through the XXXX Dispute forum to dispute the validity of the debt as well as inform them and warn them for the third time that they are in violation of the FCRA, as both they as an organization that bought the debt and the original owner of the debt XXXX XXXX are both reporting the same debt which is not allowed. Bull City just keeps responding that the amount and debt is accurate and refuses to remove the item from Collections. Bull City needs to be fined for an FCRA violation and censored and have the privilege of reporting debt taken away from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: IL

Complaint narrative:
JUNK DEBT BUYER - IN VIOLATION OF THE FDCPA - IN VIOLATION OF MY FEDERALLY PROTECTED CONSUMER RIGHTS Commonwealth Financial Systems, Inc at XXXX XXXX XXXX XXXX XXXX, PA XXXX has been sending me collection notices and they are reporting a collection account - Account # XXXX - in the amount of {$90.00} the collection has been reported as a positive balance and a collection account. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. This is Aggravated Identity Theft. This debt collector is violating a number of my federally protect consumer rights according to the FDCPA. I have included several violations that you, Commonwealth Financial Systems , Inc, owe me in my Bill of Particulars.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Acra Intermediate Holdings, LLC
State: CA

Complaint narrative:
I was place in a repayment plan XXXX of XXXX. My original mortgage payment was for {$2700.00}, it increased to {$3300.00} once I was place in a repayment program for 24 months. I hace been consistent since XX/XX/XXXX. My original past due balance was {$14000.00}. I have made {$32.00}, XXXX since I have been on this program. 

I am in receipt of a notice informing me they are removing me from the program and I am due to pay {$16000.00} in full by XX/XX/XXXX otherwise they will start a foreclosure process. I should only owe for XXXX and XXXX total of {$5700.00}. This is the 2nd time I try to refinance and they have prevented me from obtaining a new loan. I had previously spent 7 months trying to have them correct their mistake when they reported me late to the credit agencies. I received letter of apology from them in XXXX and here we are in XXXX and I am going through the same experience when I tried to refinance the first time. 

I would great appreciate your help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I received a letter from a 3rd party offering legal services for a debt collection filed against me by LVNV Funding LLC on XX/XX/21. A docket sheet was included in this letter and when I searched the docket number I can see that there is a legitimate civil complaint filed against me and they are claiming I owe {$830.00}. This is scheduled to go to court on XX/XX/21 in Pennsylvania where I no longer even live. I have no debt showing on my credit report, have never been contacted by a company or collection agency regarding debt, and would not even have known about this civil complaint if it were not for the 3rd party ( XXXX XXXX XXXX ) sending the letter and offering legal services. I have tried to contact LVNV regarding this matter and have not been able to get any information about what debt they are claiming I owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
Applied for forbearance with ally bank in XXXX of 2020. After they admit they coded account incorrectly and XXXX of letters, emails and calls o am no closer to being able to make payment or fix my credit We even have payments we made with banking numbers given to us by ally never go through. 

We want our second mortgage to resume payments and have our credit fixed We send the documents they want many times and each time told thats all they need and then get another letter asking for exact same info Latest letter asks for my tax return while saying they have my tax return

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 2021-09-20 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:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I ordered XXXX sofa bed from XXXX and they charged me for two My bill should have been $ XXXX and I was charged {$1800.00}. Citi-card does accounting for XXXX and told me payment was {$850.00} which I paid immediately on linento Citi card XXXX continued to charge me for 2-3 months plus late fees. Citi card did not inform me the did not transfer payment to XXXX. I have a " thank you '' card that funds can not be transferred from to another company. They did not inform of this or I would have paid another way which I did immediately. XXXX reported late payment to XXXX who knew I carried perfect credit in XXXX 's. XXXX, Citi card and XXXX are at fault for this error. I jusst got my XXXX bill from XXXX. They credited my payment of {$850.00} but include a late charge of {$200.00}. I called and they kept telling me I was late. I contacted all 3 companies all along To have billing corrected but none realized not to cancel {$1000.00} bogus fee and end late fees. This all started in XXXX when I placed order. I paid as soon as billed so I should not be penalized in any way.

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 2021-09-20 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: IL

Complaint narrative:
EQUIFAX SENT ME A COPY OF THERE INVESTIGATION RESULTS XXXX. THEY DID NOT VERIFY THIS ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
After Starting an investigation with Equifax several times asking them to verified this Fraudulent information. Each credit reporting agencies has a different amount on my report, Equifax reported an alleged amount of {$1000.00}, Inaccurate Information, and the collection company also collecting a different amount. 
Equifax sent me few responses that the account has been verified. How can they verify this account if the collection company can not validate account, I have contacted the collection company several times ( XXXX XXXX XXXX ), and they have refused to investigate the account. 
After starting the investigation, I get a letter from Equifax saying that they were unable to locate my credit file in their data base with the identification information I provided. even thought I sent them everything required by law.

I have never give Equifax a written consent ( 15 U.S.C Sec 1681b ( a ) 2 ) to furnish anything in 
my credit report agency, specially a alleged debt that is not mine. No consent is Identity Theft.

15 U.S. Code 1681n - Civil liability for willful noncompliance Identity Theft Report, fraud report, and XXXX report with current address Id and SSC, collection letter with different alleged amount attached. 

Thank you, Look forward for your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
DEBT COLLECTOR IN VIOLATION OF THE FDCPA - IN VIOLATION OF MY FEDERALLY PROTECTED CONSUMER RIGHTS- I AM THE CONSUMER- I AM THE XXXX- I AM THE EXECUTOR XXXX XXXX XXXX ( XXXX ) Comenity Bank at XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX they are reporting a collection account on my consumer report - Account # XXXX. Comenity Bank is reporting that I do not owe them a past due balance? Yet they are on my consumer report giving the impression that I owe them. They also state that they sold my account to a third party. Firstly, I did not authorize them to sell the account to any third party, that is violation of my right to privacy according to the FDCPA and a violation of my right to be secure in my papers according to my 4th Amendment right. Secondly, they sold the account, I no longer owe them anything. In fact, I never owed them anything. I participated in a consumer credit transaction with you and extended YOU credit, and you took advantage of me by making me believe that you lended me your own assets when in reality you lended me my own federally protect money that is backed by my credit card ( social security number ) and the United States of America, according to 18 USC 8. Yet they are falsely stating that I owe them, that is a violation of 15 USC 1692e ( 8 ) and 15 USC 1692j. They are committing Aggravated Identity Theft against me pursuant to 18 USC 1028, they are unlawfully transferring my authentication feature electronically to unauthorized third parties. They are also conspiring against my rights with the Consumer Reporting Agencies and this third party that they sold my debt to, according to 18 USC 241. This debt collector is violating a number of my federally protect consumer rights. I have included several violations that you, Comenity Bank, owe me in my Bill of Particulars.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Village Capital & Investment LLC
State: NJ

Complaint narrative:
I am on forbearance with Village Capital until XX/XX/2021, they sold my mortgage to another lender and reported my account as delinquent on XX/XX/XXXX which is totally false! I contacted Village Capital and they stated that they were diligently working on the error. My credit score has dropped more than 20 points and the issue has yet to be resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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: NC

Complaint narrative:
Equifax is violating my consumer rights, damaging my creditworthiness, & sabotaging any chances of securing a new home for my family. Im currently trying to rent/buy a home for me and my family but inaccurate information on my Equifax credit report is preventing me from doing that. Equifax is not using reasonable procedures to assure maximum possible accuracy of information on my consumer credit report. 
The alleged account : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX  ). 

There is no proof and/or documentation this alleged debt belongs to me. I even sent written communication directly to the debt collector and they were unable to provide me any validation of this debt pursuant to FDCPA. If the debt collector is unable to validate the alleged debt how is Equifax able to verify this debt? I sent written communication to attempt to resolve this issue with Equifax but they refuse me a proper investigation pursuant to the FCRA. I asked in my written letter to Equifax to be provided with verifiable proof of the alleged debts and the procedure used to determine the accuracy and completeness of the information. Im invoking my specified remedy as a consumer. I demand this account is immediately deleted. Once deleted I demand an updated credit report be sent to any person you furnished my credit report to within the last 12 months. Im looking to move my family into a new home in the next 30 days ; an expedited response will be truly appreciated! 

See attached documents : Exhibit A - proof of written communication to Equifax.

Company response to consumer: Closed with explanation