vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-10 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
This is a formal complaint that XXXX XXXX is in violation of the law. I find that XXXX XXXX is in violation of 15 U.S. Code 1692g - Validation of debts : ( a ) Notice of debt ; Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; XXXX XXXX  XXXX is illegally reporting on my consumer credit report alleging that I owe them money for a loan. I have never consented to do business with this entity, signed any loan documents with them, or granted them permissible purpose to obtain my personal information let alone furnish it on my consumer report. I demanded that XXXX XXXX validate the alleged debt they are reporting on my consumer report and they failed to comply with any sections of 15 U.S. Code 1692g. 
XXXX XXXX is willfully reporting misleading and inaccurate information. They responded to my request with : all credit reporting is valid and accurate along with we do not offer courtesy credit reporting retractions. This is unacceptable and unlawful as this does not validate any debt. I am very concerned and damaged by their actions. I am seeking legal counsel and would like to file a formal complaint.

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 2022-01-10 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: AR Resources, Inc. (FL)
State: NC

Complaint narrative:
I have not received any confirmation on how the company has validated the alleged account attached in Exhibit A reporting on my Consumer Report, which I refer to in a sworn affidavit testimony I sent to them. Therefore I request that you consider this a final notice to the offices. Past this point, the company is willfully -Defamation my Character - Violation of the Fair Credit Reporting Act - Violation of the Fair Debt Collection Practices Act - Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ).

The CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that they are reporting. ***** ( copied from the affidavit attached ) ******

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: FL

Complaint narrative:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on 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 non-monetary relief
Consumer complaint received 2022-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
In pursuit to the fair debt collection act, 15USC 1692 sec. 809 ( b ) PORTFOLIO RECOVERY ASSOCIATES LLC is required under the above named titled and section, to show their lawful authority to collect on an alleged debt claim.. The documents that was sent too me in response too a debt validation letter that was sent too said company as a attempt to validate the debt does not conclude that a debt is owed too portfolio recovery associates llc.. I informed portfolio recovery associates llc that the fact that a debt is owed does not give them legal right to collect on the debt.. I've sent them a XXXX debt validation latter demanding them to show me their legal standing to collect this debt by showing me their lawful authority to collect the debt without my consent or a copy of the original contract between myself and the original creditor where i agreed to the assignment of the debt ; WITH MY INK SIGNATURE anything outside the scope of this evidence constitutes defamation of my character and i would be forced to take legal action against portfolio recovery associates llc

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: CA

Complaint narrative:
Notice of Error XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX The Money Source assumed my loan in XX/XX/2021. My property taxes have not been paid and were due on XX/XX/XXXX. I have called at least 4 times since XXXX to discuss this. My property taxes are now past due. 
XXXX XXXX I spoke with XXXX XXXX I was on the line with him for over an hour. He could not explain why they have not been paid. He tried 4 times to reach a manager to help us but no one was available. He said that he would escalate this and that someone would call me back with in XXXX hours. Today is XX/XX/XXXX and I have not heard from anyone. 
XXXX XXXX I spoke with a very nice man. We were also on the phone for over an hour. He said he would escalate my case and I never heard from anyone nor did my taxes get paid. He assured me that if they are paid late, that I would not be responsible for paying the late fees. 
-I had XXXX different calls on XXXX different days prior to XX/XX/XXXX. 
XXXX XXXX I sent them a message similar to this one with a request that a manager call me on Monday XX/XX/XXXX. 

This is sloppy and unacceptable business practice. No managers are available to help rectify the situation. No one returns calls. It is a helpless feeling to have no one at the other end of the line who is actually able to help. 

Amount Due before XX/XX/2021 {$10000.00} 10 % Penalty after XX/XX/2021 {$1000.00} The Money Source Inc . 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CT XXXX Please help me get my property taxes paid. Is there a way to have someone else service my account? 

Thank you for your assistance in this matter! 
Best, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This account is very old they acting like this account was just open. They are reporting inaccurate information on my credit saying it is 30 days late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: CL Holdings LLC
State: TX

Complaint narrative:
This account is very old they acting like this account was just open. They are reporting inaccurate information on my credit saying it is 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
In pursuit to the fair debt collection act, 15USC 1692 sec. 809 ( b ) XXXX  XXXX XXXX XXXX is required under the above named titled and section, to show their lawful authority to collect on an alleged debt claim.. The documents that was sent too me in response too a debt validation letter that was sent too said company as a attempt to validate the debt does not conclude that a debt is owed too XXXX XXXXXXXX XXXX XXXX I informed XXXX XXXX XXXX XXXX that the fact that a debt is owed does not give them legal right to collect on the debt.. I've sent them a 3rd debt validation latter demanding them to show me their legal standing to collect this debt by showing me their lawful authority to collect the debt without my consent or a copy of the original contract between myself and the original creditor where i agreed to the assignment of the debt ; WITH MY INK SIGNATURE anything outside the scope of this evidence constitutes defamation of my character and i would be forced to take legal action against XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: IL

Complaint narrative:
I, XXXX XXXX never gave EQUIFAX any written consent to report anything on my consumer report. No consent is Identity theft. A copy of the law is attached with this dispute letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Dear Sir or Madam : The purpose of this complaint is that my bank, Capital One has been very unresponsive to my inquiries and complaints. This is either because I am dealing with very stupid people, or because Capital One likes to violate Federal law. 

Let me start writing this complaint from the beginning. During late XXXX I applied for a credit line increase from Capital One. It was my fourth request. All of my requests were declined. Capital Ones XXXX declination letter dated XX/XX/2021 is attached as Attachment XXXX XXXX XXXX. I decided to respond to this complaint and a copy of my response dated XX/XX/2021 is attached as Attachment XXXX, XXXX pages. My response is so clear and concise that even a XXXX XXXX XXXX could understand it. 

Capital One responded to my letter with a response dated XX/XX/2021. This response was made on their website as Capital One is too lazy to respond to my letter by mail, like I did with mine. Capital One titled their letter Generic Prefill Letter, which on its face sounds like an insult to me. Now I am very angry. A copy of Capital Ones response is attached as Attachment 3. As the reader will easily see, Capital Ones response to my letter is totally unresponsive to my letter dated XX/XX/2021. What kind of people am I dealing with here? 

I responded to Capital Ones XX/XX/XXXX letter with another response dated XX/XX/2021. A copy of that letter is attached as Attachment XXXX. I made sure that I conveyed that I was angry with Capital Ones last response. I also conveyed that I thought Capital Ones response was highly insulting to me. In my response I gave Capital One XXXX business days to respond to my original concerns or I would escalate the matter to the CFPB. Capital One responded on XX/XX/2021, clearly outside of the XXXX day limit I gave them. A copy of Capital Ones XX/XX/XXXX response is attached as Attachment XXXX. 

Again Capital Ones response was totally unresponsive to my concerns and basically Capital One had no understanding of what I was talking about. I think this is an important point. The reader of this complaint will note that on each one of Capital Ones letters they point to a case number that I also noted in my XX/XX/XXXX response. That case number is XXXX. Capital One is clearly tracking my file, but claims they have no idea of what I am talking about. I think that this point to stupidity on the part of Capital One. Capital One is very good at collecting money and little else. I am asking the CFPB to take sanctions against Capital One for their conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
Approximately XX/XX/2021 I opened a checking account with HSBC USA. I was eligible for an account opening bonus approximately XX/XX/2021. To date the bonus has not been paid. I have made several inquires and each time I am told it is being investigated and should be resolved in four weeks. Most recently I was advised if I did not continue qualifying transactions that I would not receive the bonus. This is misleading as I should have received the bonus shortly after qualifying in XX/XX/2021. 

I have learned HSBC USA is selling some of its retail banking to XXXXXXXX XXXX. I suspect this is any attempt to delay payment of account opening bonuses until bank ownership changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: FL

Complaint narrative:
I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on 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 non-monetary relief
Consumer complaint received 2022-01-10 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: CBC Companies, Inc.
State: PA

Complaint narrative:
I am writing to dispute the following information in my credit report. The credit report showed credit inquires that I dont recall authorizing. I understand that you shouldnt be allowed to put any inquiries on my file unless I have authorized it. Please have the inquiries removed from my credit file because it is making it very difficult for me to acquire credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: FL

Complaint narrative:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: FL

Complaint narrative:
I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on 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 non-monetary relief
Consumer complaint received 2022-01-10 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: GA

Complaint narrative:
So i was forced to file Bankruptcy do to the fact that my father information was attach to my credit. His name and mine is very close. but on the credit report it had his creditors his date of birth and his address. I did dispute but my credit has not got pass XXXX and each time it get to the point that maybe i can buy a house or purchase a vehicle that im in need of it drops. I've been trying to get it off my credit because if i was told the only way i could get his items off was to file. It showed that they weren't mine. i tried to fight it. i called the lawyer but he never reply. i think it isnt right do to the fact that i had a XXXX it made me handicap..this bankruptcy with zero balance from the beginning because the accounts wasnt my creditors

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 2022-01-10 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: GA

Complaint narrative:
So i was forced to file Bankruptcy do to the fact that my father information was attach to my credit. His name and mine is very close. but on the credit report it had his creditors his date of birth and his address. I did dispute but my credit has not got pass 600 and each time it get to the point that maybe i can buy a house or purchase a vehicle that im in need of it drops. I've been trying to get it off my credit because if i was told the only way i could get his items off was to file. It showed that they weren't mine. i tried to fight it. i called the lawyer but he never reply. i think it isnt right do to the fact that i had a trach it made me handicap..this bankruptcy with zero balance from the beginning because the accounts wasnt my creditors

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