vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-16 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: CA

Complaint narrative:
I am a victim of identity theft. FCRA 605B ( 15 U.S.C. 1681c-2 ) Block the Information Resulting from Identity Theft. The accounts do not belong to me. I am writing to request that you block the following fraudulent accounts from my credit report immediately. 
The information is not information relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to block or remove this information from my credit report. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: SinglePoint GI
State: FL

Complaint narrative:
I owed General Revenue {$600.00} collection from a college I didnt attend back in 2019. I agreed to a pay in full settlement of {$300.00} on XX/XX/XXXX. A week goes by it says I owe a collection of {$300.00} and Im like XXXX so I call them they tell me the account was closed I just need to wait for XXXX XXXX to update. Now 2 more weeks have passed now it says I have a missed payment and the collection is now back at {$600.00}. I tried calling over and over but was told agents were busy until I finally got through to hear someone say end call and hung up the phone on me which this happened multiple times and I grew more and more frustrated. I have a copy of the receipt they sent me where I paid for it but this company has been nothing but rude and disrespectful they whole time dealing with this stuff.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
According to reply submitted to CFPB by XXXX with Capital One, an affidavit was supposedly sent via XXXX to my old address, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX I have moved from this address as of XXXX of this year, needless to say, anything sent to old address by XXXX would not be received.. I've checked with my online XXXX account and delivery manager, there is no record of any package sent on XX/XX/XXXX from Capital One or anyone for that matter.. In the reply, the affidavit is referred to as another investigation, in which case I am not aware or familiar with any prior investigation as I do not believe there was one ... As far as I know, the only investigation done was by a XXXX XXXX whom attempted to imply I received check and or funds from it as she tried to claim the person whom intercepted and cashed check is related .... The person is not related and I've provided info in past CFPB complaints as to whom the person might be, those complaints were marked as duplicate numerous times to avoid acknowledging/addressing it ... Also, I've provided proof of whereabouts at time of check cashing including statement from driver whom picked me up on XX/XX/XXXX, statement from XXXX of XXXX XXXX, hotel where I stayed with check in/check out dates, XXXX Itinerary as well ... All documents show I left address on XX/XX/XXXX, arrived back on XXXX, these dates are within time frame check was cashed.. These documents were also ignored, no one with Capital One has reviewed them as far as I know.. XXXX XXXX also attempted to state a XXXX account is linked to myself and person whom cashed check, which it is not ... A statement from XXXX was provided showing no transfer of funds into or out of account for amount of check, XXXX, also ignored by Capital One rep ( s ) .. I believe any prior investigation to this one to be bogus.. I request Capital One mail me the affidavit to my current address, XXXX XXXX XXXX, XXXX XXXX, CT XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: HCFS Healthcare Financial Services of TeamHealth
State: IL

Complaint narrative:
I have several collection accounts on my file from a collection agency named Account Resolution Services i sent a written request via mail on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX all 2020 requesting debt validation of these accounts and the above company failed to respond. Also this company is not licensed to collect in my state i have called several times and requested the company license number to look up the company all they do is transfer me to a supervisor that never answers or return my calls after leaving messages. Please be advised that i am disputing these collections due to the fact that the collection agency account resolution services XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX fl XXXX does not currently have a valid license in illinois to collect on debts. According to the illinois department of financial and professional regulation i am requesting that you investigate this matter and delete these accounts from my credit file immediately or provide me with physical proof that ARS are licensed to collect debt in illinois. Your immediate response will be greatly appreciated.

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 2020-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: IN

Complaint narrative:
I was told over the phone on XX/XX/2020 that I would receive a deletion letter after I paid the collection account. I received a letter only stating that it was paid. The collection was NOT deleted off of my reports. I disputed it with the bureaus and it is still reporting on 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
Consumer complaint received 2020-11-16 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: Nelnet, Inc.
State: TX

Complaint narrative:
I AM VICTIM OF IDENTITY THEFT AND THESE ACCOUNTS WERE OPENED WITHOUT MY KNOWLEDGE NOR CONSENT. I HAVE PREVIOUSLY FILED COMPLAINTS WITH THE COMPANY AND WAS REMOVED FROM MY CREDIT REPORT AND NOW IS BACK ON THERE UNDER A DIFFERENT NAME. THIS COMPANY IS COMMITTING FRAUD BY ME BEING VICTIMIZED OF ID THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Back in XX/XX/2012 I co-signed a car for my ex wife. She began making late payments on the account two month later making the first day of delinquency XX/XX/2012. According to the Fair Credit reporting act the length of time that a collection account may remain on a consumer credit report is 7 years and 180 days from the 1st date of the delinquency. Therefore the account XXXX XXXX showing a balance of {$7600.00} needs to be removed. This creditor is not properly reporting all dates of delinquency preventing the delinquent report from being removed from my consumer report. Violating the 7 year Fair Credit act statue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
they claim that I owe them money for " gap insurance '' I proved it to them by showing them and sending an email of the copy that I had insurance with another company " progressive insurance ''. Hit for almost a year now they've been actively trying to collect what was once {$100.00} to around {$300.00} in auto insurance premium. for what reason I have no idea

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I was a XXXX XXXX XXXX at the time, under XXXX, without a job when I received the XXXX ( {$400.00} ) and Apple Card ( XXXX ). I have XXXX XXXX XXXX, and suffer from XXXX. At the time had been experiencing a XXXX XXXX where I spent unnecessary money and could not help myself, this was especially apparent with the Apple Card. There is another card ; Wayfair ( XXXX ), with XXXX XXXX  that I can not pay. 

During the pandemic, starting in XXXX, they made efforts to stop the accruing of interest. Although I expressed to them multiple times that this was a debt I could not pay as I was a XXXX XXXX, without a job. They gave me the contact information for XXXX, a debt consolidation program. Hopeful, I signed up with them, only for XXXX to inform me that Apple does not participate in this program. XXXX has not heard from XXXX at all, so whether or not they participate is unknown. 

I am XXXX years old currently, and my mother has been assisting me with the payments, completely. I am unemployed, unable to work due to the XXXX XXXX and working with XXXX XXXX professionals to receive social security benefits. My condition has hindered me in multiple ways, even preventing me from attending school this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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: WA

Complaint narrative:
Two years ago I filed a dispute with Experian regarding a vehicle that I had given back to the lender due to my spouse losing his income. Even though I disputed it, Experian allowed XXXX XXXX to keep reporting the vehicle as a bad debt for five full years. Recently, I received a cashiers check along with a letter of apology from XXXX XXXX for their error. Experian still refuses to remove the offending account from my credit report. 
To add insult to injury, I noticed that when I applied for a loan with my credit union, that Experian has several different credit scores for each consumer ; one for us to see, that, in my case, shows XXXX, but the one they gave my credit union was XXXX? I went to their site to try to ascertain what the issue is and was forced to pay for the privilege. They charged me {$10.00} on XX/XX/2020, then they charged me {$5.00} on XX/XX/2020 and finally they charged me {$16.00} on XX/XX/2020. When I called to find out why all the charges, I was informed that consumers need to pay EACH time they want to look at all the scores Experian has for them. It is time that the Federal Government reign in these PRIVATE organizations that have so much control over our financial lives.

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 2020-11-16 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I was contacted in XX/XX/XXXX by a debt collector from XXXX XXXX  XXXX , XXXX, regarding a private student loan issued by PNC Bank , National Association, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX, PA XXXX ( XXXX phone ) in XXXX ; the student loan was in the amount of {$9100.00}. I explained to the debt collector that I had no knowledge of the debt and followed up by submitting an ID Theft Affidavit to PNC XXXX XXXX as directed by the debt collector. I contacted the school I attended in XXXX and my credit union at that time ; both institutions have no record of receiving the money or any deposits resembling the amount of the money the debt collector alleges was issued in my name. I received a 1099-C, Cancellation of Debt, from PNC Bank and had to pay taxes on the debt reported in box 1 of the form of {$9100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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: IL

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 ACCOUNTS LISTED BELOW Dear Transunion, Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors docum
entation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be deleted immediately.

1, XXXX XXXX Account # : XXXX  2. DEPARTMENT OF TREASURY ( XXXX  ) xxxxx XXXX 3. DEPARTMENT OF TREASURY ( XXXX  ) xxxxx XXXX  4. XXXX XXXX account # XXXX** 5. XXXX XXXX XXXX XXXX, IN # # # # # XXXX  6. XXXX XXXX XXXX XXXX**** 7. XXXX XXXX XXXX XXXX XXXX**** 8. 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 2020-11-16 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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE ACCOUNTS THAT DO NOT BELONG TO ME I AM A VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-11-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2020 i sent a letter regarding and unknown things on my credit report. to this day over 30 days i have not received a response yet. i feel like im being taken advantage of and being completely ignored of my disputes. sections 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly i demand these accounts be deleted immediately or i will file for litigation due to the stress you caused 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 2020-11-16 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: OK

Complaint narrative:
I have a fraudulently account reporting to my credit by XXXX XXXX XXXX. I have submitted the FTC paperwork and my CFPB complaint to all three credit reporting companies. The only company that did a proper investigation was XXXX. Which deleted this fraudulently account from my credit report. XXXX and Trans union didn't respond to my paperwork, nor did they do a proper validation. 

This account has fraudulent charges that were added to it and I have provided all of the proper documentation but the only company taking it seriously was 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 2020-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Dynamic Recovery Solutions, LLC
State: MI

Complaint narrative:
Received a letter from Dynamic Recovery Solutions for a debt. I do NOT know who the Original debit is from. I do NOT owe this debit. Past STATUE OF LIMITATION! Have NO clue where this debit come from. This is a 3rd Party who bought this for XXXX  's on the dollar to collect a old debit that is PAST STATUE OF LIMITATION!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-16 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have two complaints already in with the CFPB stemming from the same issue, complaint nos. XXXX and XXXX. I have to open up a new complaint because the complaint portal won't allow me to add information. But, this is required. 

My new scores are as follow XXXXXX/XX/XXXX, XXXX from XXXX, operated by XXXX XXXX. I'm glad JP Morgan Chase is one of previous parties on the first complaint, because I see credit inquiries on XXXX  that from Chase but I have absolutely no idea where it is originating from. 

Something needs to be about the sensitivity of these scores. I believe my score went down from the original reported of XXXX to XXXX for unjustified reasons. I've said this before to the CFPB, regardless of what reporting company I log into, I see that half of my credit inquiries aren't acknowledged or recognize. And this doesn't become an issue until one gets denied credit for that specific reason. And I am at that stage now. 

XXXX XXXX XXXX  reported my credit limit over on XXXX dollars, and it's probably done immediately prior to me making any payments. I make my monthly payments and have no knowledge that they did something. 

With the number of my open accounts and my billing routine, I can tell you that my credit usage is high but I most certainly shouldn't be categorized as poor or even a fair score. These credit cards marketing applications are not properly sourcing their reports, third party companies are running random credit inquiries, and furthermore, it could done predatorially. 

I find XXXX  to be the least obtrusive credit reporting company, however they still go the extra mile and ask consumers to link their bank accounts. I am banking with XXXX XXXX and that connection between the two companies does not link easily and who knows what security might get breached as a result.

Credit Reporting companies need to avoid particulars. I wouldn't have so many credit inquiries if these pre-approval offers weren't considered sales by networking professionals. 

My score is XXXX ... my inner conscience tells me this. And isn't that what we are really struggling with, conscience.

Company response to consumer: Closed with explanation