vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Hillcrest Davidson & Associates
State: TN

Complaint narrative:
I noticed that Hillcrest and Davidson Associates had reported negative information on my consumer report which is hurting my credit score and stopping me from purchasing my dream home. I sent a request of validation on XX/XX/2021 as well as a cease and desist letter along with an affidavit of truth on XX/XX/2021. They received this information on XX/XX/2021. On XX/XX/2021, they sent a letter that violated 15 USC 1692c ( c ). They were still trying to collect through the mail ( mail fraud ) after I sent my cease and desist. On XX/XX/2021, I sent another letter stating the 15 USC 1692c ( c ) and reminded them that the only reason that they should contact me is to make me aware of my remedy for injury. According to 15 USC 1692k ( a ) ( 2 ) ( a ), FDCPA violations are up to {$1000.00}. 15 USC 1692d ( 1 ) was violated because of the injury to my reputation. My consumer report is reputation ( 15 USC 1681 ( A ) ( 2 ) ) and this has hindered me from progressing with my goals. 15 USC 1692j ( A ) was violated. Furnishing my information without my consent is furnishing deceptive forms and identity theft. 15 USC 1692f ( 1 ) is another violation. I've never contracted with Hillcrest and Davidson Associates. There is no agreement between us to authorize this alleged debt. Last, they violated 15 USC 1692c ( c ) by trying to collect the alleged debt after the cease and desist letter was received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The following Child Support accounts are showing on my credit report in violation of Law 15 US Code 1681 B : Permissible Purpose. I would like them removed.

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 2021-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The following Child Support accounts are showing on my credit report in violation of Law 15 US Code 1681 B : Permissible Purpose. I would like them removed.

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 2021-05-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: FL

Complaint narrative:
Car was paid off and it was reported as a repossession. This problem needs to be deleted and removed from 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 2021-05-31 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: SC

Complaint narrative:
It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over thirty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed.

I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely effects me and is in violation of my rights. Thank you for helping me take this federal matter seriously!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 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: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
I don't know exactly what to do, I have been contacting these companies for months. I informed them that those accounts do not belong to me. I would like these accounts to be deleted from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 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 a victim of identity theft

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 2021-05-31 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 a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 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: CITIBANK, N.A.
State: DC

Complaint narrative:
On XX/XX/2019, I was fraudulently billed {$300.00} by XXXX XXXX. The agent charged this amount without my consent. A week later, I contacted the merchant who said they put their agents before their customers and would not refund the unauthorized charge. I contacted Citibank to help settle the dispute. I provided documentation and details on the incident to Citibank and was given a conditional credit. On XX/XX/XXXX, the credit was reversed and I was told to contact XXXX XXXX again. I contacted the merchant again, and was again told that no refund would be given despite the changes being fraudulent. I reopened another dispute with Citibank and simultaneously closed my credit card after receiving a conditional credit. Before closing my account, I spent 3 hours explaining to the account manager that I have been a loyal client for over 15 years and that I would be happy to continue doing business with Citibank if the issue could be resolved.

Two months later, despite the account already being closed, I received a bill for the {$300.00}. I immediately contacted Citibank again and informed them of my refusal to pay, and that I would be seeking legal action if the charges were sent to collection. My warning was completely disregarded and despite the account being close, more charges were added in subsequent months ( totaling {$240.00} in additional fees ) until the matter was sent on to the credit bureaus. I am now in the process of applying for a loan to purchase a house and am unable to do so because of this matter. 
I have spent an exorbitant amount of time and energy attempting to remedy a conundrum that rooted from a fraudulent charge. Additionally, I have suffered unwarranted financial hardship. Before seeking legal counsel, I am looking for an honest resolution for a good, long-standing customer.

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 2021-05-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent a complaint regarding some incorrect information to these companies on XX/XX/2021. I understand that these companies have 45-60 days to respond. It has been nearly 60 days with no response

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 2021-05-31 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: LA

Complaint narrative:
On XXXX XXXX. I sent a dispute to XXXX, Transunion and XXXX  Disputing 2 bankruptcies on my credit reports. The information is inaccurate, so I requested that the items be removed from my credit report. The bureaus stated the information was verified as accurate by the Bankruptcy Court in XXXX XXXX, Louisiana and refuse to remove from my credit report. I contacted the US Bankruptcy Court located in XXXX XXXX, Louisiana and I was advised that they didnt report such information to XXXX, XXXX  or Transunion. I have been disputing this for 9 months and the bureaus XXXX, XXXX  and Transunion are not legally reporting the correct 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 2021-05-31 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: LA

Complaint narrative:
On XXXX XXXX. I sent a dispute to XXXX, XXXX  and Experian Disputing 2 bankruptcies on my credit reports. The information is inaccurate, so I requested that the items be removed from my credit report. The bureaus stated the information was verified as accurate by the Bankruptcy Court in XXXX XXXX, Louisiana and refuse to remove from my credit report. I contacted the US Bankruptcy Court located in XXXX XXXX, Louisiana and I was advised that they didnt report such information to XXXX, Experian or XXXX. I have been disputing this for 9 months and the bureaus XXXX, Experian and XXXX  are not legally reporting the correct 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 2021-05-31 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have sent a letter requesting a copy of my consumer reports. I have talked to representatives over the phone and currently still waiting to receive through mail. It has been over 2 months now.

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 2021-05-31 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have sent a letter requesting a copy of my consumer reports. I have talked to representatives over the phone and currently still waiting to receive through mail. It has been over 2 months now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 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: TX

Complaint narrative:
I sent a complaint regarding some incorrect information to these companies on XX/XX/2021. I understand that these companies have 45-60 days to respond. It has been nearly 60 days with no response

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 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: NC

Complaint narrative:
I am a victim of identity theft

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 2021-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
This company calls from many different phone numbers trying to get me to pay for bogus things. Today, Sunday, XXXX XXXX  weekend, they called.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
portfolio recovery associates llc calls me everyday including at work when im in a meeting. 

Pursuant to 15 USC 1681a ( 2 ) ( b ) ''any authorization or approval of a specific extension of credit directly or indirectly by the issuer of credit card or similar device '' should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( i ) which is ''the term '' ''credit card '' means any card, plate, coupon or other credit device existing for the purpose of obtaining money, property, labor, or services on credit '' notice congress said ANY card. the credit card is my social security card. this is the credit card I used to originate every consumer credit transaction for portfolio recovery associates llc

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In XX/XX/2021, I received my 2nd PPP loan installment. Immediately, my account was frozen. Even though it was not capital ones place to determine if I qualified for loan because I didnt get the loan through them, I still provided all requested information. However, I was informed XX/XX/XXXX that it was not sufficient to capital one and the funds would be sent back to the lender and my account would be closed. This has yet to happen. Every time I call, I am on hold for at least an hour trying to reach a person. Then, almost every time the agent disconnects the call. My monthly statements have been turned off ( not by me ) even though I still have an open account in my name. 

The lender of the loan already did their due diligence and it passed the necessary requirements to be funded. There is a 2 step verification process that I had to pass. What Capital One is doing is holding up MINORITY borrowers whom which this money was intended for. Your role is to make the funds available for use and it is a shame they are holding money from disenfranchised sole proprietors that rely on this money to keep afloat.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 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: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: TX

Complaint narrative:
Community loan service reported me late while on forbearance which has since been corrected. However iam still showing 6 late payments that were never late and company seems to act ignorant to the fact they dont care they are ruining my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 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: Freedom Mortgage Company
State: TX

Complaint narrative:
Freedom Mortgage has me in the negative section of credit report because iam on forbearance

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 2021-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc.
State: NC

Complaint narrative:
Someone used my information without me knowing

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 2021-05-31 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: CA

Complaint narrative:
Im being charged from Best Buy credit card when Ive never gotten a credit card from them. They want to charge me over {$2000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc

Complaint narrative:
I'm having a lot of trouble because my PayPal still holds

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 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: FL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. XXXX without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in XXXX ( XXXX ) days to failure to comply with these federal regulations by the FTC XXXX XXXX, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 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:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1300.00}, {$1200.00}, {$0.00}, {$2400.00}, {$9100.00}, {$2600.00}. 
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 ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 


-- AUTO LOAN OR LEASE 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9100.00} -This is not my account. 

6. XXXXXXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, Equifax and XXXX  are reporting 7 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 5th dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation