vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I was going over my credit report today and I found quite a few inaccurate items. My name is XXXX XXXX XXXX my name is not XXXX XXXX XXXX or XXXX XXXX XXXX please delete these two errors in my name. 
I live at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. Please remove all the following addresses they are not mine : XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH 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 2021-06-24 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have a loan with SYNCB/BANANA REPUBLIC and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called SYNCB/BANANA REPUBLIC and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX XXXX  and SYNCB/BANANA REPUBLIC with no successful resolutionXXXX and XXXX  reporting me having late payments. There was an error on their part. I was never late.

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 2021-06-24 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings
State: WA

Complaint narrative:
Have sent out 4 letters of disputes ( 2 different times for 2 different accounts ) to collection company IQ DATA, neither response letter from them was responded to within the 30 days they're required by law, they also did not include information requested. Such as origin creditor documentation, sworn affidavit, valid contractual obligation with signatures, documentation from creditor to authorize them to collect said debts, proof that the are allowed to collect debt in this state, copy of business license, bond with bond stamp, no paper work with signatures or copy of original contract. Also called and asked them to please remove said debt from collections and they said they're legal team was within in their rights and do not have to send the requested information desired in the letter of dispute. They're is no proof that I owe this alleged debt so I request that they remove from collections and dismissed the account. I have certified letters, receipts showing my letters of diputes, and time stamped mail from collections agency showing they did not respond within the 30 days.Thank you for your time, XXXX XXXX. XXXX. XXXX. I also have more documentation showing the information they did send me, the certified letter I sent with date and times, the envelopes with dates showing they did not respond within the 30 days by law. Again there not the copies of original contracts shown for XXXX XXXX, just XXXX page with a signature, nit the XXXX pages we had to sign and initial. And zero copies of contract or signatures for XXXX XXXX XXXX XXXX. All documents that IQ DATA sent as a response are included in the file attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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: MO

Complaint narrative:
Equifax, XXXX, and XXXX is reporting information on my credit report that has not yet been verified. There has been a lack of response to debt verification requests made my me concerning XXXX XXXX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
I reported a fraudulent charge on a credit card issued by BARCLAYS. The fraudulent charge appeared on a XX/XX/XXXX billing statement in the amount of {$89.00}. The statement only indicates it was a charge for XXXX XXXX. I reported this charge as fraudulent immediately and received a letter confirming the reported fraud on XXXX XX/XX/XXXX. 

After a month, BARCLAYS issued a temporary credit, but subsequently told me that the charge had been investigated, and was valid. BARCLAYS never explained how they came to this conclusion. I wrote again in XX/XX/XXXX to ask what was discovered in the investigation, and also to find out what goods or services this charge represented. It was not possible for me to determine this from the statement. 

BARCLAYS again conducted an investigation, but with the same conclusion that the charge was valid. There was never any information provided on why this was the case. 

Attempts to speak to someone in the FRAUD department was unsuccessful. Phone wait times exceed 40 minutes.

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 2021-06-24 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:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXXXXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXXXXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
9. XXXXXXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
10. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 



FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I bank with Capital One.. XXXX XX/XX/2021, there was {$500.00} transferred out of my account through XXXX without my authorization. I called the bank and filed the dispute. They informed me who the transfer went to and asked if I knew the person and/or authorized the transaction. I informed them I did not know the person and did not authorize the transaction. I changed my password to my online account. On XX/XX/2021, I received a call from an unknown person asking for a code saying they were with a loan company. I did not provide a code but asked them to send the information to my email which they did only asking for the code. I did not provide my email address yet they already had it. I contacted Capital One and let them know someone had contacted me asking for a code. They then informed me someone had tried to change the password on my online banking. The employee helped me change my password again as well as my username. I tried to provide the information about the caller asking for the code and the email address that the email was sent from. They did not want the information. On XX/XX/2021, my account was put on restriction. When I called, I was informed my account was considered a risk because it had been accessed by several different devices and they could not verify my story that I had not provided my login information for online banking. I told the employee that was exactly what the dispute was about. XX/XX/2021, I received an email that my dispute had been denied. While I can not " prove '' or " verify '' that I did not provide my online banking login information, I can prove that I was not in the locations that my account was being accessed from. The bank has not been helpful or willing to help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Aldous & Associates, PLLC
State: CO

Complaint narrative:
I have been contesting an incorrect debt in the amount of {$64.00} that was sent to a Collections Agency/Attorney 's Office ( Aldous and Associates Attorneys at Law of Holliday, UT XXXX. I have contested the debt with the original vendor ( XXXX XXXX in XXXX and XXXX of 2020, as well as XXXX of 2020 XXXX, and my credit card company XXXX XXXX XXXX XXXX contested the incorrect charge of {$22.00} XXXX XX/XX/2020 XXXX which was an auto payment for a membership service incorrectly and unfairly applied due to Covid shutdown ). I have filed complaints with the Colorado and Utah Attorney General 's Offices, as well as with the Utah Consumer Protection office. I have also filed an official collections refusal with the collections agency on XXXX XX/XX/XXXX. I have not been able to clear the incorrect debt ( there is no debt owed, the original company charged my card incorrectly for a monthly membership due during the Covid shutdown ). I receive calls from the Attorney 's office XXXX times per day, usually without a voicemail, they call at all hours, including weekends. The original company claiming the debt XXXX XXXX XXXX XXXX has not responded to any of my attempts to clear the incorrectly reported debt as it is " in the hands of collections now. '' I am requesting this incorrect debt be cleared to {$0.00} and the phone calls to end.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian continues to be elusive and evasive concerning a fraudulent credit card. I complained previously and they didn't respond. This account was previously deleted and now its back on my report. According to 15 USC 1681 ( a ) ( 4 ) a consumer has a right to privacy. This or no account should be furnished without my consent. 15 USC 1681 ( b ) ( 2 ) This is a violation of section 605 I did not authorize, consent to, nor benefit from this account. Please block and remove 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 explanation
Consumer complaint received 2021-06-24 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: CT

Complaint narrative:
I sent a certified letter to all three bureaus and they have not properly handled my concerns. I asked them to send verified proof of the debt to which i was not supplied this verifiable proof. Here are the items : XXXX XXXX  XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX  XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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: MI

Complaint narrative:
I have contacted all three Credit Bureaus/Agencies ( XXXX, Equifax, XXXX  ) and the Creditors ( Bankruptcy Chapter XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. I also contacted the bankruptcy court and it is clear that they do not report to any credit bureau for that matter ; therefore the response verifying the item with the court is an error. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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: NY

Complaint narrative:
Experian has been reporting Erroneous and fraudulent information there for violating the FCRA ( Fair Credit Reporting Act ) section 609 - 811. I am currently seeking to bring litigation to Experian because my character has been defamed. I demand that these accounts below be removed immediately.

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 2021-06-24 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: TMX Finance LLC
State: VA

Complaint narrative:
I had a lone from TitleMax which is paid off about a month ago and asking them to send me my title in the mail and they agreed its been another month l have not got my title back l tried to call them several days and telling me that it takes three weeks now I have been told for the third time another three weeks so Im helpless to get my title since then they are not answering my phone call or telling me what to do to get my title back. 
Please..l believe I can get help from you to solve this problem

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I paid this collection company Caine and Weiner the amount agreed upon. Years later, the debt is still listed on my XXXX  credit report. It has been removed from the other bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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: MO

Complaint narrative:
XXXX, Transunion, and XXXX  is reporting information on my credit report that has not yet been verified. There has been a lack of response to debt verification requests made my me concerning 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 2021-06-24 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: MN

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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: Express Recovery Services, Inc.
State: AZ

Complaint narrative:
Express Recovery is reporting erroneous debts on my file that need to be removed. I have sent letters months ago stating that I needed validation and have yet to receive anything. I will attach the letter below but as stated not providing validation requires you to remove the accounts. This can also be considered fraudulent under both federal and state laws remove immediatley as the 30 day period has passed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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:
Transunion has been reporting Erroneous and fraudulent information there for violating the FCRA ( Fair Credit Reporting Act ) section 609 - 811. I am currently seeking to bring litigation to Transunion because my character has been defamed. I demand that these accounts below be removed immediately.

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 2021-06-24 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: TN

Complaint narrative:
Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

Equifax is in violation of 15 U.S.C. 1681a ( 2 ) ( B ) as the items listed below should be excluded from the consumer report. 
I never gave Equifax any written consent to report ANYTHING to my consumer report. Consent was not given to have my personal identifying information which is identity theft per 12 CFR 1022.3 ( h ). A copy of the law is attached for reference. 
As the consumer I am demanding that the inaccurate items circled on the attachment I included be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Bureaus, Inc.
State: TX

Complaint narrative:
THE BUREAUS , INC . 
After having asked for verification of the debt, that was never provided the third party debt collector changed the comment to say that it has been assigned to an attorney. This is a threat of legal action that they can not take or intend to take. This is a clear violation of the fair debt collection practices act, and they must be blocked from further credit reporting immediately and indefinitely. Cease all collection attempts including but not limited to credit reporting. Have a nice day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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: CCS Financial Services, Inc.
State: CO

Complaint narrative:
I was led to believe by a representative of the collection company that when i paid the collection that it would be removed from my credit report with the three credit bureaus and it hasn't been. Please help me get this resolved. I have tried disputing it with the credit bureaus but it still remains. There are 2 separate collections that are on there because we were never sent a bill so they shouldn't be on the report to begin with. Had we received a bill we would've paid it. Please help me resolve this issue as it should not have been on my report to begin with.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation