vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-13 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: NJ

Complaint narrative:
called equifax approx XXXX ; XXXX XXXX  on XX/XX/2020 and spoke with a supervisor by the name of XXXX who refused to file my dispute i advised that according to FCRA AND CONSUMER CREDIT ACT I have submitted a written request sent certified that i am disputing these inquiries that is listed on my credit report, the 1st rep ( XXXX  ) acknowledged the receipt of the letter XX/XX/2020 received by EQUIFAX but the companies weren't listed so i advise XXXX XXXX supervisor ) i am calling to FOLLOW UP now, she then without me providing any companyy name proceeded with assumption to tell me that all of these inquiries are FACTUAL like XXXX, i responded by advising her I NEVER once mentioned XXXX XXXX XXXX so why would you assume thats who i was disputing instead of allowing me to give the names, i advised her under the consumer credit protection act and federal credit reporting act i have the right to dispute an inquiry that is unauthorized meaning a company obtained my information without authorization or permission and it should be DELETED she told me that is not a VALID reason and EQUIFAX does not take disputes on inquiries despite me reaching out to said companies and THOSE SAME COMPANIES do not or can not verify my information with their company what i would like to know why are reps at equifax making decisons or unwilling to accept disputes based on personal opinion and not defending the consumer yet is privILIGED to consumers PERSONAL INFORMATION but refuses to accept OR PROCESS disputes. 

Your Desired Resolution : i am seeking reps TO be educated on the LAW and the 4 inquiries that i have not been able to successfully dispute because the reps have shown no desire or interest to even investigate or provide me the opportunity to do so, they are reading a script and rejecting ANY HARD INQUIRIES DISPUTE when i have the right to have these inquiries DELETED. to which they did not even ASKED ME the names, they assumed which is shouldnt be the protocol of just simple customer service. i sent a written letter certified mail and I NEVER EVEN RECEIVED A REPLY OF ACKNOWLEDGMENT AS A COURTESY. I CALLED TODAY and these people treated me as its personal and rejected to assist me in any way, other to redirect me cause they simply did not want to do a job

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: National Credit Adjusters, LLC
State: MA

Complaint narrative:
Below is a copy of the email I received : From : XXXX XXXX XXXX Date : Tue, XX/XX/2020 at XXXX XXXX Dear Debtor, I am the attorney of the National Credit Collections ( Hereinafter Plaintiff ), I have received your case file today from XXXX XXXX. The accounts department XXXX National Credit Collections has decided to mark this case as a flat refusal and press legal charges against you. 



This Legal Proceedings Will be issued on Following Details : Docket no:XXXX Reference # : XXXX AMOUNT OUTSTANDINGXXXX Settlement out of court : XXXX ( Only valid for today ) And we apologies that the Arrest Warrant Which you will receive in your next email positively by Monday will also be sent to your current employer too. The opportunity to take care of this voluntarily is quickly coming to an end. We would hate for you to lose the option of resolving this before it goes to the next step which is a Lawsuit against you, but to do so you must take immediate action. 



We will be forced to proceed legally against you and once it is processed the creditor has entire rights to inform your employer and your references regarding this issue and the lawsuit will be the next step which will be amounting to XXXX and will be totally levied upon you and that would be excluding your attorney charges. If you take care of this out of court then we will release the clearance certificate from the court and we will make sure that no one will contact you in future. 



Thank you National Credit Collections XXXX XXXX XXXX # XXXX, XXXX, TX XXXX National Credit Collections 2020 XXXX XXXX Terms of Use | Careers | Complaints | Privacy Policy -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Confidentiality Statement & Notice : This email is covered by the Electronic Communications Privacy Act, 18 U.S.C. 2510-2521 and intended only for the use of the individual or entity to which it is addressed. Any review, re transmission, dissemination to unauthorized persons or other use of the original message and any attachments is strictly prohibited. If you received this electronic transmission in error, please reply to the above-referenced sender about the error and permanently delete this message. Thank you for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
LVNV Funding continues to keep two bogus alleged debts on my credit report for my PERSON. I sent to them professionally and politely both a 15 USC 1692 Notice and Demand to Verify Debt and a request for mutally signed and agreed NOVATION.

LVNV has NOT proven that a legitimate and legal debt even exists, and they certainly have not provided my PERSON with MUTUAL signed novation to  prove legally and lawfully that they have a right to attempt to colect on this bogus and alleged debt. 

I want these items removed. My PERSON will record a LIEN in these alleged amounts plus 3x the amounts and the associated costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I returned a lease with XXXX, it specifically was an XXXX, and upon return I was misinformed the next steps. Furthermore, I did not receive any correspondence about approximately {$140.00} owed to close out the lease. XXXX locked out my online account and did not send information via mail, but submitting a report to the credit union. Specifically I owed {$140.00} of final payments, my auto-payment did not pick up the fee owed, but it was also reported that I owed more than {$21000.00} to the credit union. I was also told I signed documentation that I did not sign, not was able to be produced by  XXXX upon request. I My issue is that I was mis-informed, and never contacted before the submission to a collection agency. Furthermore, XXXX has not provided any documented proof for their credit report. I paid the amount owed immediately upon notification, which unfortunately was based on seeing my credit score go down rather  than being contacted by XXXX. 

XXXX has a history of not communicating to vendors and submitting a credit issue before following the terms of notifying and collecting additional payments. I was a customer of Acura/Honda and have never missed a payment before, but this has lowered my credit score by more than 200 points due to not only the late payment submission but  also the submission that I owed more than {$21000.00} instead of the $ XXXX that was owed.

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 2020-10-13 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: WA

Complaint narrative:
I have submitted disputes every month for 6 months to all 3 credit bureaus - XXXX, XXXX  & Transunion. I've received confirmation that the bureaus have received my disputes, but I have never received a response, the account I'm disputing has never been listed as " in dispute '' and the inaccurate information is still on my credit report, damaging my score. Not one of the credit bureaus has responded to any of my dispute letters, this is not only illegal, but that means the account in question qualifies for deletion from all 3 bureaus.
The account I've been disputing is XXXX XXXX, it's a loan that was never personally guaranteed by me, it was a company I worked for, but had nothing to do with me personally. This is illegal and unjust.

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 2020-10-13 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have submitted disputes every month for 6 months to all 3 credit bureaus - XXXX, Experian & XXXX. I've received confirmation that the bureaus have received my disputes, but I have never received a response, the account I'm disputing has never been listed as " in dispute '' and the inaccurate information is still on my credit report, damaging my score. Not one of the credit bureaus has responded to any of my dispute letters, this is not only illegal, but that means the account in question qualifies for deletion from all 3 bureaus.
The account I've been disputing is XXXX XXXX, it's a loan that was never personally guaranteed by me, it was a company I worked for, but had nothing to do with me personally. This is illegal and unjust.

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 2020-10-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CMRE Financial Services, Inc.
State: OK

Complaint narrative:
Reporting a debt on all 3 of credit bureaus ( XXXX, XXXX, XXXX  ) Is the result of Identity Theft, police report and FTC Affidavit on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX I spoke with XXXX and later Supervisor XXXX of Citibankabout my completion of the reqirements for a XXXX XXXX XXXX miles offer I had accepted. They said I could not qualify because i didn't make " 2 Qualifying Bill Payments '' in 60 days. My statement shows I did.! 2 water bills.XX/XX/XXXX and XXXX XXXX. Their fine print says " Qualifing bill payments are those made using Citibank Online which I did. This is fraud and a scam. I want my XXXX promised miles.

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 2020-10-13 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: DISCOVER BANK
State: NY

Complaint narrative:
The account listed above do not reflect any correct transactions done by me.

My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained. I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 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: TX

Complaint narrative:
Paypal is emailing us courtesy notifications that are statement is ready for review. This implies it is also ready to pay. However, this is not the case. The dates that Paypal is providing are misleading and causing customers like me to make payments that are inaccurate. 

In XXXX I was notified by Paypay that my statement was ready. I logged in and paid the statement balance. Today, in XXXX, I was notified by Paypal that my statement is ready. I logged in and discovered i was assessed a late fee and there was a balance due for XXXX. 

Subsequently, the 1st customer service rep had an attitude and I hung up. The 2nd rep was boggled by this issue as well. But credited my account for the late fee.

I spent alot of time in the above discussions.

Afterwards, I began to review all the emails and statements and balances to see where the problem was. And I concluded that it is 100 % Paypal and Synchrony Bank for providing us with misleading information about our the dates of our statements.

The attachments I am providing will show that Paypal notified me that my current statement is ready to review ( and pay ). When viewing the
Paypal Account, the due date is for last week and not for the end of the month. Then when going to Synchrony to make a payment, there is no statement for this month. Instead its last month statement. And then we customers pay inadvertently pay that amount

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-13 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: IL

Complaint narrative:
Experian and XXXX  credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine.

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 2020-10-13 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: MI

Complaint narrative:
Hi my name is XXXX XXXX XXXX and i am the victim of IDENTITY THEFT and i have filed a police report and filed a federal identity theft report with the FTC. I sent a copy of my FTC IDENTITY THEFT REPORT ( which is the only document i am required to send by law ) to Transunion CERTIFIED MAIL on XX/XX/2020 along with a request for the fraudulent accounts to be blocked as my rights according to FCRA 609 ( e ) ( 15 U.S.C. S 1681g ( e ) and was sent a response that they would not investigate my claims because they believe my claims were false and my ftc report was not official ftc report which is false. Transunion has denied me my rights as a consumer and  according to FCRA they are breaking the law. i am including in this complaint a copy of my FTC IDENTITY THEFT REPORT, AN OFFICIAL COPY OF MY POLICE REPORT, THE NUMBER TO THE DETECTIVE HANDLING MY IDENTITY THEFT REPORT AND THE POLICE DEPARTMENT WHERE MY POLICE REPORT WAS FILED ALONG WITH THE NUMBER TO THE POLICE DEPARTMENT, ALSO I AM INCLUDING THE RESPONSE LETTER FROM TRANSUNION SAYING THEY WONT INVESTIGATE OR BLOCK THE FRAUDULENT INFORMATION, ALONG WITH THE RECEIPTS FROM THE U.S. POSTAL SERVICE WHICH SHOWS THE DATE AND TIME THE LETTERS WAS RECEIVED BY TRANSUNION, ALSO I AM INCLUDING IN THIS COMPLAINT A COPY OF MY STATE DRIVERS LICENSE ALONG WITH MY SOCIAL SECURITY  CARD SO THAT TRANSUNIO CAN SUCCESSFULLY IDENTIFY ME.

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 2020-10-13 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:
The account listed above do not reflect any correct transactions done by me.

My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained. I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE 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 explanation
Consumer complaint received 2020-10-13 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: I.C. System, Inc.
State: UT

Complaint narrative:
IC Systems accounts : XXXX XXXX XXXX IC systems is reporting a debt on my credit file that I do not owe. I am unaware of any debts that I owe them because I have been working with the hospital. I called the hospital and they assured me they would take the accounts out of collections and transfer it back to the hospital. This debt should have never been sent to collections, it is erroneous and needs to be 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 2020-10-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
Hello - I have Auto debit on my honda finance account. There was a problem with some bank transfers in the middle of our shutdown in NY, and I transferred by account to my savings account to auto debit from there. Their website is very wonky, but Ive done it before and had no issues. I did not print out my confirmation because of past experience. 

I then got a late payment call in XXXX ( no email, no letters ) and I was told that payments were not received. I had no idea. The *moment* I got the call I paid off my balance immediately. 

I told this to American Honda finance and they responded with a cold distant form letter. I've had four vehicles with them with NEVER a late payment.

Company response to consumer: Closed with non-monetary relief