vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: TX

Complaint narrative:
HI - WHY??? : Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

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 2021-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have disputed this account, by send dispute letters with XXXX XXXX XXXX, as well as with Capital One, and none of the listed companies has yet to respond to my dispute. 

CAPITAL ONE Account Number : XXXX Amount : XXXX I've send letters in for this account dated : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 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've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 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: TX

Complaint narrative:
Im confused and stressed  and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3  major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rhodes, Kelly Assoc Inc
State: NC

Complaint narrative:
Rhodes, Kelly & Associates Inc. at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX has been sending me collection notices in the amount of {$1700.00}. The collection has been reported as pasted due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company 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 2021-03-15 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:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
On XX/XX/2021 I saw fraudulent charges on my credit card statement, I called Capitol one right away to cancel card. My computer was hacked remotely, and my information was stolen. I then called the credit bureau to place a fraud alert on my credit reports. The hackers had placed almost {$1000.00} worth of fraudulent charges, which capitol one reversed all but 2 charges.1 for XXXX and the 2nd for XXXX. Telling me that these were legitimate due to the address verification, which they had because they hacked remotely and charged through my computer. And Capitol one is supposed to have 0 liability for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: PA

Complaint narrative:
I am refinancing a mortgage through better.com. They have made several errors throughout the application process, which I have tolerated in order to close the refinance. However, we have now exceeded the lock-in period, due to a delay in receiving archived documentation from a subordinated forgivable loan. To extend my rate, I am being charged in points at a total of {$490.00} per week until a promissory note is provided by the subordinating subordinating lender. 
As I submit this complaint today, it is XX/XX/XXXX. I was told on XX/XX/XXXX " not to worry '' about these documents, but then on XX/XX/XXXX, that they are " needed ''. 
In addition, I am also asked to provide " monthly statements '' for this loan, which do not exist as it is a forgivable loan. These are the 2 reasons Better.com have given for not being able to close and charging me these fees. 
The subordinating lender does not have any idea how long it will take then to find the promissory note - they are a small office hampered by COVID-19. They have provided written assurances to the lender regarding the terms of the forgivable loan, but these have been deemed unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian de-facto prevents consumers like myself from placing a security freeze. This action is either due to extreme negligence as a minimum, or, possibly deliberate. I had provided all the necessary information to Experian via their online system to identify me and place a security freeze ( SSN, address, answered numerous questions ), however, Experience refuses to place a freeze and requests me to send them highly sensitive and private information by mail, thus exposing me to extreme identity theft risk. I have 25 years of credit history and I even have online account with Experian - and they had no problem creating an account for me earlier and trying to sell me their rip-off services ( that should be free in a civilized country ), so clearly they have no problem with my identity for purposes of selling me my own credit info-related stuff yet they refuse to place a freeze. US mail is disappearing right now and I had an instance of open mail/theft by USPS employee last year ( that is being investigated by Postal Inspector ). It is not safe to send SSN and similar document copies requested by Experian by mail. Neither I see why I should spend a lot of money for overnight/signature-required mail ( which is more secure ) just to play along illegal games by Experian agency. I had no problems with other consumer agencies ( XXXX XXXX ) and was able to place a security freeze with no hassle with them, I also was not prevented from placing a XXXX freeze : clearly the problem is limited to Experian and their illegal practices exposing US consumers to identity theft.I already was victimized by XXXX information breach : why does US government continues to allow this abuse to happen and for these monopoly agencies, that destroy Americans ' livelihoods, to expose people to identity theft? Please act to immediately stop Experian from continuing these illegal and abusive practices. There's evidence online that Experian does the same to people trying to lift their freeze, refuses to take a correct pin and requests sensitive info sent by mail. I was not able to place a freeze with Experian after spending long time entering all my information, yet, Please stop consumer abuse by Experian.

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 2021-03-15 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:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I recently received a copy of my ( Transunion ) credit report and I notice there is an unauthorized/fraud credit inquiry made by ( the companies listed in this complaint ). I did not authorize these credit inquiry and I understand you shouldn't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate the removal process for these inquiries. Each company has received a letter sent by certified mail stating that the inquiries were not authorized, and I have requested them to be stopped. In addition, I have asked for their removal from my credit report. 

Under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. 

These unauthorized/fraud inquiries have been the reason for my credit denial and hardship. 

I found I was not the one who authorized this inquiry, I'm asking that that be removed immediatelyfrom my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 

If you find that I am in error, then please send me proof of this. 


My contact information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MN XXXX SSN : 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 2021-03-15 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: GA

Complaint narrative:
I am becoming more and more frustrated with your company. Upon finding these errors being reported on my credit report I have taken the necessary steps in order to inform you all of the errors. Nevertheless you all are not doing your part to resolve my issues. My family and I are becoming very impatient. My attorney told me to send this letter in order to alert you all of these errors before taking legal action. I am a person that goes to work everyday in order to make sure my family have equal opportunities just like everyone else. I am a consumer that refuses to be a victim of harassment or abuse. According to 15 USC 1692d 1. ( 1 ) the use or threat of violence or other criminal means to harm the physical person, REPUTATION, or property of any person ; is a violation of the Fair Debt Collection Practice Act. Reporting false information on someone's credit report is detrimental to a consumer 's reputation. Sending letters an a attempt to collect debt from a consumer who debts do not belong to is also a form of harassment which is another violation of 15 USC 162d 1. ( 1 ) Constantly sending mail that has symbols of a debt collector on the outside of letter is a violation of the use or THREAT OF VIOLENCE or other criminal means to harm the physical person, reputation, or property of any person ; is an violation of the Fair Debt Collection Practice Act. Also according to 15 USC 1681 ( A ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and GENERAL REPUTATION OF CONSUMERS. You can review my credit report as evidence to see that my reputation in fact has been ruined. This section clearly says that a consumer 's credit report was established to identify a GENERAL REPUTATION OF CONSUMERS. Also I stated before I was a victim of the XXXX Data Breach.

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