vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-22 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: National Credit Systems,Inc.
State: CO

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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: AFNI INC.
State: CO

Complaint narrative:
On XXXX I sent a letter to validate that this alleged debt reporting was in fact mine. on XX/XX/2021 They responded with a generic letter stating that they verified the account, which by no means does their letter validate that this was me that had this account. I sent a letter to follow on XX/XX/2021. 

They are re-aging the account monthly- which is illegal to do so, and an FCRA violation. 

Please see all attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
Received a notification from XXXX  stating comenitycapital/XXXX, got a copy of my XXXX  credit report and i have no known knowledge of applying for anything with or related to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
This debt collection company reported an ALLEDGED debt on my consumer report. They never gave me the 5 requirements of validation of the debt or even a notice of the debt. This is a violation of 15 usc 1692g. They are also furnishing my report and creating misinformation of my character and this is also considered abuse which is also a violation of 15 usc 1692e and 15 usc 1692d. They are using unfair practices in constituent with 15 usc 1692f because they are furnishing my credit report for a means to collect an ALLEDGED debt which is also illegal. As a consumer I can only validate debts which I do NOT validate. This collection agency also collected my information from another company who said i owe this ALLEDGED debt without my consent which is also another violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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: VA

Complaint narrative:
I have been a victim of identity theft. I recently reviewed my credit report to find request for my credit that I did not do. I am not sure who the person is & how they got my information but this is all Fraudulent request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have disputed the accounts with all for the credit bureaus for the accounts reporting with XXXX XXXX  XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX and Chase are not mine, I have sent this info to each creditor along with the credit bureaus directly by mail on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I never repined any replies from any of the companies, but XXXX  and XXXX  have replied back, but the investigations are not completed accurately. I have sent over request to have the results of the investigation forwarded to me.,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
XX/XX/27 - contacted Chase to let them know a fraudulent purchase was made to XXXX XXXX for 6 tickets in the amount of {$1600.00} and they told me that it was taken care of and would not show on my next bill. 

XXXX statements were fine but when XXXX statements came the charges showed and I called to ask why its appearing on my statements. 

XXXX - contacted Chase to report the fraudulent claim again. 

XXXX sent a virtual letter letting me know that they reviewed my fraud claim again and that I am responsible for the amount!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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: MI

Complaint narrative:
I origianally noticed inaccurate information on my credit report after being denied for a home. I contact the credit bureau immediately on XX/XX/XXXX regarding this information. I did not get any reposnse so I followed up with another letter after 30 days. I've read according to law they should complete an investigation and notify me of results within 15 days after my second request. I have yet to hear anything from them regarding this matter. As a result I am making a formal complaint on the company for failing to maintain accurate records and refusing to respond to my disputes.

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 2021-07-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Consumer ID : XXXX It has been brought to my attention that inaccurate and unverifiable information has been listed on my ChexSystems file To my knowledge, I have never had these items and am therefore writing to request full validation of this debt as is my right under the FCRA. 

Please provide the following Agreement with that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number on file. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are implemented. 
Please provide the name and address of the bonding agent for your collection agency in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of ALL requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. 

In the absence of such documentation, I request that these accounts be permanently removed from my ChexSystems report. 

The accounts are listed below : incorrect information and violation of XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX, FL XXXX XXXX/ACCT # : XXXX / XXXXXXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2021-07-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
URGENT MATTER SEE ENCLOSED HSBC BANK XXXX AND ITS COLLABORATORS FRAUDULENT ACTIONS TO EVICT ME FROM MY HOUSE ON XX/XX/XXXX - WHILE NEW YORK STATE HAS A MORATORIUM FOR XX/XX/XXXX. 

I filed complaints with CFPB multiple times - HSBC Bank XXXX continue to lie and deny the facts. Please see below previous document submitted, and now re-submitted. 
Please see newly submitted documents ATTACHED also whereby HSBC Bank violated multiple FINANCIAL LAWS INCLUDING RICO .... 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - HSBC IS BARRED BY FRAUD - FOR FILING HOME FORECLOSURE ACTION AGAINST ME. Heres foul-proof/consummate proof that HSBC bank XXXX had INTENTIONAL plans to defraud me prior to XX/XX/XXXX. I have doled almost {$400000.00} to HSBC and there is no proof of them PROPERLY ACCREDITING SUCH FUNDS ON MY BEHALF. See HSB via XXXX XXXX XXXX XXXX, fraudulent use of the FBI logo to bully and intimidate me. HSBC intentionally, violated TILA, False Claims Act, Committed Financial Fraud, Mortgage Fraud, and my civil rights as they ignored RICO in the process. The fraudulent loan was obviously table-funded/ Hence, 1 dont know if all the moneys I have paid HSBC so far has been properly credited. Whereby, I have requested original documentation from them on numerous occasion -to no avail and HSBC also ignored Federal laws. HSBC intentionally defrauded me beginning on XX/XX/XXXX, prior to them giving me an assumed loan, interviewers name XXXX XXXX XXXX by assign MERS. Please note that i have additional multiple pieces of evidence to support my claims but i could only upload 4 docs. Ap # : XXXX MERS NUMBER THEY ASSIGNED TO ME FROM XX/XX/XXXX See also HSBC letter dated XX/XX/XXXX from XXXX XXXX XXXX ( Retail team 03, loan processor ), once more with MERS number XXXX See form " Direct Endorsement Approval for a HUD/FHA- Insured Mortgage '' pg. 3 of 4 with an approval date of XX/XX/XXXX with MERS number XXXX and XXXX XXXX XXXX signed off as HSBC Bank mortgage representative underwriter. Also, on the said form see HSBC fraudulent claims as lender in the shaded box to the left, and theres NO LOAN NUMBER FROM HSBC TO LINK THEM WITH THE FICTICIOUS LOAN IS AFFIXED on the form. See " Borrowers Certificate : pg. 4 of 4, dated XX/XX/XXXX and XXXX XXXX XXXX signs as lenders officer, MERS number XXXX is affixed, and Borrowers signature space is BLANK

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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: MD

Complaint narrative:
The items I need removed are listed in the report. I am a victim of identity theft and did not apply or open any of these accounts. I ask that the items be removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 

You Violated The United States Code Law 15 U.S. Code 1681b. I never gave you any written consent to report anything on my consumer report. 15 U.S. Code 1692g - Validation of debts ( You were to notify me of this in writing 5 days prior and as the original creditor, Im the only one that can validate this debt. I DO NOT validate this debt ). According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Which you have failed to do so which is a VIOLATION.

I have not supplied proof under the doctrine by silence Engelhart v Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exist. 
It has been well over 30 days and i have not recieved a response. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be REMOVED and if you are unable to provide me a copy of verifiable proof, you must remove this account. Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any documents/evidence I demand this following accountS be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
On XX/XX/2021 I entered into an agreement with XXXX resurgent to settle a debt from the creditor, XXXX XXXX. I entered an arrangement to pay {$310.00} a month for four months. ( XXXX XXXX, 2021 XXXX however, in XXXX I could not make the payment, I asked the XXXX resurgent if I could resume payment in XXXX. They said no. They said that I would have to set a new settlement and payment arrangement. They told me in order to do this that I would have to pay {$50.00}. I paid the {$50.00}. The agent called me back to set up a new settlement a few weeks later. However, the company went ahead ant took {$310.00} out of my account during the month of XXXX, 2021. This was after they told me that my settlement agreement was voided due to the XXXX missed payment. Also, when they called for a new settlement, they did not factor in any of the payments that had been made. They attempted to reach a settlement for the original amount from XXXX  XXXX. And not the four payments of {$310.00}. 22

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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: T.S. Holdings
State: GA

Complaint narrative:
I have no knowledge of this debt in the amount of {$1100.00}. I never received a debt validation notice and no one never contact me. 

*** Debt Collectors are required by Fair Debt Collection Practices Act to send consumer a written debt validation notice with information about the debt theyre trying to collect. It must be sent within five days of the first contact. 

**Debt collector is violating Fair Debt Collect Practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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: MI

Complaint narrative:
I origianally noticed inaccurate information on my credit report after being denied for a home. I contact the credit bureau immediately on XX/XX/XXXX regarding this information. I did not get any reposnse so I followed up with another letter after 30 days. I've read according to law they should complete an investigation and notify me of results within 15 days after my second request. I have yet to hear anything from them regarding this matter. As a result I am making a formal complaint on the company for failing to maintain accurate records and refusing to respond to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
The online payment system doesnt work ... the call in system doesnt work, Whenyoun call the support number it is only automated and no person will ever answer,, after the 2 hour hold time it disconnects the call I can't go anywhere in person to pay the bill, they do not allow that

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 2021-07-22 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: Credit Management Control, Inc.
State: TX

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... CREDMGMTCNTL ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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: TX

Complaint narrative:
On XX/XX/2021 letters were sent to XXXX, Equifax and XXXX  explaining there is no original contract or original ink signature to validate debt. On XX/XX/2021 I received letter from the three bureau and the debt is still reported on each one without the original instrument of indebtedness with original ink being provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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: TX

Complaint narrative:
On XX/XX/2021 letters were sent to XXXX XXXX  and Experian explaining there is no original contract or original ink signature to validate debt. On XX/XX/2021 I received letter from the three bureau and the debt is still reported on each one without the original instrument of indebtedness with original ink being provided.

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 2021-07-22 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: Credit Systems International, Inc.
State: TX

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX ... CREDIT SYSTEMS INTL IN ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: CA

Complaint narrative:
Aargon Agency has put a debt collection on my credit report. I tried to find out why and couldn't get in contact with them a year ago so I thought it was a scammer. I tried to call them and didn't get a response and I have tried to contact them on the contact us homepage and no response.

How in the world does a company commit fraud and kill my credit score without me knowing why I owe them?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation