vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Asset Recovery Solutions, LLC
State: IL

Complaint narrative:
I received notice dated for XX/XX/2021 that I owed a debt to a company that I have never heard of before nor ever entered into a contract with. Asset Recovery Solutions , LLC claimed that I owed them a significant amount of money. On XX/XX/2021 I sent correspondence indicating that I was willing to pay any debt that I might lawfully owe and that letter is attached. The letter indicated that the company had 21 days to provide validation that I owed them anything and they failed to do that. Three months pass and then I receive another letter from them dated for XX/XX/2021 with accompanying phone calls to my place of employment. This is harassment as I already responded once indicated I was willing to pay if they could show where I entered into a contract with them. I responded on XX/XX/2021 displaying the various federal violations their company and their clients are currently breaking. This letter is also attached. This company is calling my place of employment multiple times a day even after I have sent two letters indicating to communicate with me via mail only.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I have been showing three hard credit inquiries on my credit report with all three major credit agencies including XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, with Equifax credit reporting ... ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX  XXXX, XXXX  XXXX, XXXX, all with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX  XXXX  XXXX XXXX XXXX all with XXXX Credit Reporting Agency.I have never filled any applications out with these companies nor have I ever provided a authorized signature with any of these companies to run my credit as these need to be removed from each credit agency accordingly and in conjunction with the FCRA.Will you please help me get these removed from all three credit reporting agencies as I did not authorize any of these inquires? Thank you for your help and time in resolving these matters. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EMCC Holdings, LLC
State: MO

Complaint narrative:
This is a complaint against EQUIANT FINANCIAL SVCS. I already disputed an account from them before, under the same name with the same account number XXXX and it was deleted from my credit reports under XXXX. However, the same account re-appeared in my reports still under XXXX. I want this to be removed as it is very illegal to add on removed fraudulent accounts. Furthermore, I did not authorize anyone to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my knowledge. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. This is a scam & I was defrauded. This inaccurate account is being reported in my credit records and is hurting my financial stability. I am a victim of fraud and theft. I have requested multiple times for verification of this account and send out dispute/demand letters on the following dates, as well as filing disputes to the credit bureaus : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The creditor has refused to provide any information. This willful neglect has not only caused much financial hardship, but is also a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance or obtain new lines of credit. I've been requesting for validation but had no responses. Our rights under Fair Credit Billing Act of 1974 is not being followed. There is improper billing, my financial information has been shared without my permission, and my rights are being violated. I want this account to be closed or validated. They're willfully neglecting the verifications to purposely cause harm and stress. I have disputed this account for validity it is not been verified & they continue to attempt to take money out of my account and threaten me with legal action which they are willfully not following the law and violating my rights under the fair credit reporting act. I feel I'm being profiled and neglected by these conglomerates for they only demand payment with no evidence of the right to collect. I need assistance in this matter and these companies should be penalized for violating federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX is reporting 60 late payment for the month of XX/XX/2020, while the payment was posted on XX/XX/2020. 
Attached is XXXX XXXX XXXX XXXX statement showing the payments posted on XX/XX/2020. 
Please adjust the information on my credit report for XX/XX/2020 to show on time payment.

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 2021-10-05 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: Fay Servicing, LLC
State: VA

Complaint narrative:
Fay Servicing LLC is reporting 60 late payment for the month of XX/XX/2020, while the payment was posted on XX/XX/2020. 
Attached is Fay Servicing LLC XXXX statement showing the payments posted on XX/XX/2020. 
Please adjust the information on my credit report for XX/XX/2020 to show on time payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: IL

Complaint narrative:
I have been disputing directly with the credit bureaus, as well as with the original creditor on the way a charge off is being reported on my credit profile.The charge off is from a voluntary repossession. The account reported has multiple inaccuracies and inconsistencies that Violate my rights as a consumer. The way this has been reported improperly on my credit profile for the past 2 years, has hurt my ability to obtain new credit. I requested removal of this account after I noticed that the balance was factually incorrect. I asked the credit bureaus to complete a full investigation of the true balance of this account, everything came back as Verified, and my dispute was closed. I asked the original creditor to send me documents that support the balance that they are reporting, because I had gap coverage for this vehicle in my contract, furthermore the vehicle was sold at Auction in 2019 and I asked them to furnish me the receipt of sale. The creditor responded saying ( In Writing ) They had no way to alternate the way they report, and any discrepancies should be filed with the Credit Bureaus to dispute. I then went back to the Credit Bureaus and disputed the account ( this time with proof attached ) due to inaccurate monthly payment. The account has been closed for 2 years, but still shows a monthly payment due of XXXX XXXX The results came back as Verified, no changes were made, My dispute was closed. I even disputed online and attached proof to the dispute that my Term Length and being reported inconsistently between the 3 Bureaus, Transunion shows Monthly, XXXX months, and XXXX-bi-weekly. 
Still no changes were made. In fact, a credit dispute specialist Modified my dispute 's reason, so they would not have to reopen the investigation in light of the new information given. ( I have proof of this ). 
The credit Bureaus have failed to do a thorough and reasonable investigation, and simply parrot information from the Original Creditor. Even though, the Original Credit has been reporting inconsistently between them, and Inaccurate Information.

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 2021-10-05 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:
I have been disputing directly with the credit bureaus, as well as with the original creditor on the way a charge off is being reported on my credit profile.The charge off is from a voluntary repossession. The account reported has multiple inaccuracies and inconsistencies that Violate my rights as a consumer. The way this has been reported improperly on my credit profile for the past 2 years, has hurt my ability to obtain new credit. I requested removal of this account after I noticed that the balance was factually incorrect. I asked the credit bureaus to complete a full investigation of the true balance of this account, everything came back as Verified, and my dispute was closed. I asked the original creditor to send me documents that support the balance that they are reporting, because I had gap coverage for this vehicle in my contract, furthermore the vehicle was sold at Auction in 2019 and I asked them to furnish me the receipt of sale. The creditor responded saying ( In Writing ) They had no way to alternate the way they report, and any discrepancies should be filed with the Credit Bureaus to dispute. I then went back to the Credit Bureaus and disputed the account ( this time with proof attached ) due to inaccurate monthly payment. The account has been closed for 2 years, but still shows a monthly payment due of XXXX XXXX The results came back as Verified, no changes were made, My dispute was closed. I even disputed online and attached proof to the dispute that my Term Length and being reported inconsistently between the 3 Bureaus, XXXX shows Monthly, XXXX48 months, and Equifax-bi-weekly. 
Still no changes were made. In fact, a credit dispute specialist Modified my dispute 's reason, so they would not have to reopen the investigation in light of the new information given. ( I have proof of this ). 
The credit Bureaus have failed to do a thorough and reasonable investigation, and simply parrot information from the Original Creditor. Even though, the Original Credit has been reporting inconsistently between them, and Inaccurate Information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: NC

Complaint narrative:
I purchased a laptop from best buy, XX/XX/XXXX, I then returned it on XX/XX/XXXX, I was told ins store that the person could refund the computer, but not the antivirus software that went with it ( free with computer ). I called XX/XX/XXXX to have virus software canceled, and asked if I would owe anything, I was told no since I didn't use software I wasn't going to be charged. On XX/XX/XXXX I checked to see if my bill had shown charges reversed for refund, they hadn't I called Best Buy and was instructed this was normal and it would reflect in a few billing cycles, the computer charges did. But what remained was a XXXX charge for antivirus software I never received or used, I proceeded to follow merchants instructions thinking this would be the same. I then was notified through credit reporting 2 months later, that my limit had decreased from XXXX to XXXX... I think immediately began repealing the process and found out I was never credited, until XX/XX/XXXX after a second phone call.. all which I can provide reference numbers for if need be. So basically my credit has been tarnished, lender is refusing to reinstate my credit, they are closing the dispute as the merchant refunded the money.. and now I'm told there's no guarantee.. into fixing the error since it wasn't a bank error.. I just want my credit fixed and my account back to normal.

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 2021-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I spoke to account services with American express... .account ending in XXXX ... in XXXX XXXX payments were made, one for XXXX and another for XXXX in XXXX American express withdrew XXXX .... my balance was XXXX. These payments reflect an overcharge... .yet when I addressed this to the account service they state that there were interest charges as well.all total XXXX was paid to American express . I got no XXXX statement so that should indicate that the account was paid. Also the representative that I spoke with was rude... .stated we went thru this yesterday. I don't think he wanted to take the time to look into my concern and just stated Interest charges was included in the account... XXXX dollars of interest charges ... ..!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: MS

Complaint narrative:
NCA at XXXX XXXX XXXX, XXXX Washington , DC XXXX has been sending me collection notices in the amount of $ XXXXthe collection has been reported as past due balance. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian is allowing a creditor to break the law as it continues to report a paid off item that the bureau refuses to stop reporting. Rather than taking ownership and helping the me, as a consumer, and addressing the NY state violation with the creditor, they have instead advised there is nothing more for them to do in order to permanently remove an old record from my consumer report. The creditor has total control of what continues to be reported. The creditor has no legal right to continue to report on this closed issue. Rather, Experian needs to take responsibility, as a consumer credit report bureau and inform the creditor that it can not legally report paid off accounts after 10 years. Experian is allowing the creditor dictate how long an item is allowed to stay on my credit report even if it violates the law. This is egregious and displays weak controls and the ownership of the information that Experian is allowing to remain on my credit report. I attempted to dispute this issue with Experian but it was to no avail. Experian deflected and was indifferent on the matter. The Experian dispute ID is 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 2021-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One changed terms regarding interest charged on account. Prior terms explained no interested charged on account when balance paid in full prior to statement date. New terms state " How can I Avoid Paying Interest Charges? If you pay your New Balance in full by the due date each month, we will not charge interest on new transactions that post to the purchase balance. If you have been paying in full without Interest Charges, but fail to pay your next New Balance in full, we will charge interest on the unpaid balance. Interest Charges on Cash Advances and Special Transfers start on the transaction date. Promotional offers may allow you to pay less than the total New Balance and avoid paying interest on new transactions that post to your purchase balance. See the front of your statement for additional information. '' I contacted Capital One XX/XX/2021 XXXX demanded for interest charges to be removed from account after submitting full balance payment on XX/XX/2021 and balance due date of XX/XX/2021. First representative was unable to assist and requested supervisor. Supervisor stated above statement. I demanded for interest charges to be removed three times from account and she stated she would look into " opportunities to waive the interest and at this time there are no opportunities. '' I inquired when the terms changed as I have paid balance prior and was not charged interest. Supervisor stated in the past that was the case and did not provide a date for when terms changed. All credit revolving accounts have the terms of " no interest is charged if account paid in full by statement date. '' Capital One by unwilling to remove interest and having a balance on the account is affecting my ability to obtain new credit and affecting my credit score to receive the best rates.

Capital One by changing its terms is using predatory lending tactics that guarantees Capital One interest on all accounts by consumers. Capital One unethical business practices and predatory lending terms are further placing consumers in debt during a National Crisis of the Covid 19 Pandemic. Capital One is violating the laws on predatory lending during a declared National Crisis.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
the following accounts has been disputed twice with TransUnion, XXXX and XXXX : 1 ) XXXX  XXXX XXXX # XXXX {$7300.00} XX/XX/XXXX 2 ) XXXX XXXX  XXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXX 3 ) XXXX XXXX XXXX XXXX XXXX # XXXX {$1600.00} XX/XX/XXXX I called them several time and they claimed they haven't received the certified letters that was sent out to them with proof attached to them from FTC of a company or person misusing my social security number to open fraudulent accounts and who knows what else. they received the letters and its been over 30 days without no response or changes on my credit report, I would like to let you know that not only they are in violation of 15 usc 1681b ( 2 ) since I never authorize or gave consent to no one including them to report any information on my credit report. 15 usc 1681b ( 2 ) permissible purpose of consumer report, ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

not only that these companies are in default because its been over 30 days with no response from them but they continue to violate my consumer rights and the FCRA

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 2021-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: IL

Complaint narrative:
I received a letter dated for XX/XX/2021 which was sent to my home indicating I owed this company money. I have never entered into a contract with this company nor did I consent to entering one. I sent this company a response on XX/XX/2021 indicating that I will pay any debt I might lawfully owe if the company can produce the required documents by federal law. I have attached my response here as well. 15 USC 1692g - Validation of debts indicates that a debt collection company must produce all documentation within 5 days of initial communication and cease all reporting and collection activity until those items can be produced. It is now XX/XX/2021 and this company has not produced any of the documents and continues to pursue collection activity and has reported information to the credit reporting agencies not only without my permission but in direct violation of the above referenced law. This is also a violation of FDCPA Section 807 False and misleading representation.

Company response to consumer: Closed with explanation