vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
On XX/XX/2020 I sent a letter to all 3 Bureaus requesting an investigation of inaccurate and and unverified information on my credit report. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent account. 

On XX/XX/2020 I followed this letter with a demand to comply letter. At that point had not received any response. I also filed a complain with the CFBP incorrectly and included the collection agency as the company who was falsely reporting on my credit report. My complain is with the 3 major credit bureaus and their lack of follow up with me about their physical investigation to my request on a timely manner within the letter of the law. 

I am also concerned I may be a victim of the XXXX  information breach and want to have these issues rectified as soon as possible. 

For these reasons I want all derogatory information from XXXX  XXXX XXXX removed from all 3 major credit bureaus 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 explanation
Consumer complaint received 2020-11-09 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: KS

Complaint narrative:
On XX/XX/2020 I sent a letter to all 3 Bureaus requesting an investigation of inaccurate and and unverified information on my credit report. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent account. 

On XX/XX/2020 I followed this letter with a demand to comply letter. At that point had not received any response. I also filed a complain with the CFBP incorrectly and included the collection agency as the company who was falsely reporting on my credit report. My complain is with the 3 major credit bureaus and their lack of follow up with me about their physical investigation to my request on a timely manner within the letter of the law. 

I am also concerned I may be a victim of the XXXX information breach and want to have these issues rectified as soon as possible. 

For these reasons I want all derogatory information from Account XXXX XXXX removed from all 3 major credit bureaus 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 explanation
Consumer complaint received 2020-11-09 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: OH

Complaint narrative:
I checked my XXXX  report XX/XX/2020 I seen a collection for XXXX  XXXX  for a XXXX XXXX account for {$340.00} I disputed the account but they said they verified it Ive never did any business with either one of these companies

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BBVA FINANCIAL CORPORATION
State: OH

Complaint narrative:
XX/XX/2020, I requested a wired Transfer of {$40000.00} from my Bank in XXXX ( XXXX XXXX ) to be deposit in my bank account that I have with Simple ( BBVA USA ) here in the US. My bank in XXXX confirm that the transfer was completed on their end, to this day XX/XX/2020, I have not received the money. I have called multiple times my bank ( Simple ) regarding this issue and also email them all the information that the Bank in XXXX gave me. Each time I spoke with an agent over the phone, they keep requesting me a 15 digits number so they can trace this fund. But my bank in XXXX did send me a list of all the details they have. For weeks now I have been calling my back in XXXX to make sure the money did not go back into my account, but they told me that no fund came back and to check with my back in the US. I have been late on a lot of my bills and I find myself in a hard situation, I hope to have more clarity about where the fund is. 
My bank is with Simple but the parent company is BBVA USA

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have paid off in aggressive amount of money through collection companies signed up with agreement to the bureaus experian and i have paid XXXX in XXXX with agreement that 30 days max that it will not show on report. Now i have a son to support and my score has went up but the accounts i paid off still shows even though it shows paid its stops me from getting a loan, in desperate need to get an place to live and support my son. I want the accounts paid all taken off my report. My score Jumped 70 points since XXXX, i was victim of fraud in 2017 amd the credit bureau promised it would not be shown paid but off my record 100 % that was deal with the lawyer said 60 days max. I need my score to go up snd will jump another to tier 2 maybe even 1 i have done my part i have no more $ $ for companies to want to fight for me. Im close to losing everything cause i have done what was rite snd paid debt. Please please just help and look that i have paid snd please take off my report the things i have paid

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 2020-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: OH

Complaint narrative:
IC system has been reporting on my credit report for a {$760.00} XXXX bill Ive never had t-mobile account or an account with IC systems they are hurting my credit score

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 2020-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: MI

Complaint narrative:
Debt buyer has violated the Fair Credit Reporting Act ( FCRA ) by attempting to collect an alleged debt when the company Calvary stated around XX/XX/2020 that they would cease and desist all attempts to collect the alleged debt. The debt buyer has refused to be removed from my credit reports and has violated my privacy, defamation of character, and assuming that the debt was not disputed within 30 days makes the debt valid. This is not true and violates both the Fair Debt Collection Practicing Act ( FDCPA ) and ( FCRA ). The debt collector must remove themselves from all three credit reports that is XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have paid off in aggressive amount of money through collection companies signed up with agreement to the bureaus XXXX and i have paid XXXX in XXXX with agreement that 30 days max that it will not show on report. Now i have a son to support and my score has went up but the accounts i paid off still shows even though it shows paid its stops me from getting a loan, in desperate need to get an place to live and support my son. I want the accounts paid all taken off my report. My score Jumped 70 points since XXXX, i was victim of fraud in 2017 amd the credit bureau promised it would not be shown paid but off my record 100 % that was deal with the lawyer said 60 days max. I need my score to go up snd will jump another to tier 2 maybe even 1 i have done my part i have no more $ $ for companies to want to fight for me. Im close to losing everything cause i have done what was rite snd paid debt. Please please just help and look that i have paid snd please take off my report the things i have paid

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 2020-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Weber & Olcese, PLC
State: MI

Complaint narrative:
The attorney is attempting to collect a debt and is subject to the rules and debt collection practices of the Fair Debt Collection Practice Act ( FDCPA ). Heintz v. Jenkins, 514 U.S. 291 ( 1995 ). Attorney violated the ( FDCPA ) around XX/XX/XXXX, and XX/XX/XXXX, by refusing to submit a full chain of assignments, the original contract between the debt buyer and alleged original creditor with the terms and conditions also can not produce a signed original contract between the alleged creditor and me, also I have no contractual obligation with the debt buyer also under the 30 day validation period of the ( FDCAP ). An attorney can not claim any privileges under the ( FDCPA ) and is not shielded from the ( FDCPA ) and has failed to comply with the validation process also the discovery process and is still attempting to collect the alleged debt The attorney is using false and deceptive tactics by claiming that I owe the debt because the debt was not disputed within 30 days. This is a violation of the ( FDCPA ) and the attorney also the debt buyer must comply with the procedures of the ( FDCPA ) and stop trying to collect an alleged debt they have failed to prove any legal standing to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I am a federally protected consumer and Trans World Systems Inc. has violated me under the provisions of 15 USC 1692. Please review attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I have a primary account with capital one that belongs to me. I am listed as the individual account holder. I was added as an authorized user to another capital one account. Now I have two hard inquires from capital one. I did not give permissible permission to authorize this inquiry and it isnt for my own account that I applied for. I disputed the inquiry but not the account since I did not provide or authorize another hard inquiry. Since then the card is now closed and I still have both capital one hard inquires on my credit reports which I am working hard on my credit and do not need an extra inquiry. I am getting no help from anyone at this point. My individual primary account that I did authorize on XX/XX/2020 and I am not disputing this account it is mine which I am the individual primary account holder. The other account which I am only an authorized user on is dated XX/XX/2020 which I disputed. I cant get help getting this second inquiry off from capital one after explaining the situation - since being added as an authorized user there should be no inquiry for this. I did authorize the initial inquiry for the account that is mine but not for the additional which by law should not be on my credit reports since its hindering me from other credit opportunities. I am in desperate need for help since Ive tried everything to get the AU hard inquiry off my credit reports. This is inaccurately reporting which is against the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-09 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: MN

Complaint narrative:
The following accounts and credit inquiries listed on my Trans Union, XXXX and XXXX credit report is fraudulent accounts and credit inquiries : XXXX XXXX for {$220.00}XX/XX/XXXX for {$100.00}, XXXX XXXX XXXX XXXX XX/XX/2020, XXXX/XXXX XXXX, XX/XX/2020, XXXX XXXX XXXX , XX/XX/2020, XXXX XXXX XXXX XXXX XX/XX/2020, XXXX XXXX, XX/XX/2020 and XXXX XXXX XXXX XX/XX/2020

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 2020-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: TN

Complaint narrative:
I called your company on XX/XX/2020 I contacted your company certified mail, I provided documentation of the XXXX breach and asked for your company to remove this account from my credit file as soon as possible. I also asked for you to provide me with legal debt validation ( Proper paperwork showing how this account was added in my name, documentation with my signature, along with proof that your company is legally allowed to collect this debt from me. As of XX/XX/2020, I have yet to receive any response from your company. 

This is my second attempt to correct this error, your company is fraudulently reporting information to my credit report that legally should not be listed on my credit report or in my name at all. Please remove this account from my credit report as soon as possible, it is impossible for me to owe you any monies, you have also violated ( Section 609 Of the Fair Credit Reporting Act ) by not responding to my debt validation request which is illegal. I really hope this matter can be resolved quickly. 

If this information is not removed from my credit file, I will move forward to a judge in my area to bring this account into small claims court for this fraudulent account being placed on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 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: LA

Complaint narrative:
I have spoke to Experian, XXXX and XXXX and have submitted all the proper documentation to show that I was a victim of identity theft and nothing has been fixed or removed from my credit nor have they responded. I work extremely hard and in need of a new vehicle to get to and from work. This is really impacting my credit score and personal life.

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 2020-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: TN

Complaint narrative:
{$170.00} Caine Weiner {$110.00} Caine Weiner ( Identity theft accounts ) I called your company on XX/XX/2020 I contacted your company certified mail, I provided documentation of the XXXX  breach and asked for your company to remove this account from my credit file as soon as possible. I also asked for you to provide me with legal debt validation ( Proper paperwork showing how this account was added in my name, documentation with my signature, along with proof that your company is legally allowed to collect this debt from me. As of XX/XX/2020, I have yet to receive any response from your company. 

This is my second attempt to correct this error, your company is fraudulently reporting information to my credit report that legally should not be listed on my credit report or in my name at all. Please remove this account from my credit report as soon as possible, it is impossible for me to owe you any monies, you have also violated ( Section 609 Of the Fair Credit Reporting Act ) by not responding to my debt validation request which is illegal. I really hope this matter can be resolved quickly. 

If this information is not removed from my credit file, I will move forward to a judge in my area to bring this account into small claims court for this fraudulent account being placed on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 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: MN

Complaint narrative:
The following accounts and credit inquiries listed on my XXXX XXXX, Equifax and XXXX  credit report is fraudulent accounts and credit inquiries : XXXX XXXX for {$220.00}, XXXX/XXXX  for {$100.00}, XXXX XXXX XXXX XXXX XX/XX/2020, XXXX/XXXX XXXX, XX/XX/2020, XXXX XXXX XXXX  XXXX XX/XX/2020, XXXX XXXX XXXX XXXX XX/XX/2020, XXXX XXXX, XX/XX/2020 and XXXX XXXX XXXX XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 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: MN

Complaint narrative:
The following accounts and credit inquiries listed on my XXXX XXXX, XXXX  and Experian credit report is fraudulent accounts and credit inquiries : XXXX XXXX for {$220.00}, XXXX/XXXX for {$100.00}, XXXX XXXX XXXX XXXX XX/XX/2020, XXXX/XXXX  XXXX, XX/XX/2020, XXXX  XXXX XXXX XXXX XX/XX/2020, XXXX XXXX XXXX XXXX XX/XX/2020, XXXX  XXXX, XX/XX/2020 and XXXX XXXX XXXX XX/XX/2020

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 2020-11-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Management Partners, LLC
State: GA

Complaint narrative:
I am a federally protected consumer and Receivables Management Partners LLC has violated me under the provisions of 15 USC 1692. Please review attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 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: LA

Complaint narrative:
I have spoke to XXXX, XXXX  and TransUnion and have submitted all the proper documentation to show that I was a victim of identity theft and nothing has been fixed or removed from my credit nor have they responded. I work extremely hard and in need of a new vehicle to get to and from work. This is really impacting my credit score and personal life.

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 2020-11-09 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: LA

Complaint narrative:
I have spoke to XXXX, Equifax and XXXX  and have submitted all the proper documentation to show that I was a victim of identity theft and nothing has been fixed or removed from my credit nor have they responded. I work extremely hard and in need of a new vehicle to get to and from work. This is really impacting my credit score and personal life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4700.00} {$8500.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$4700.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account. 


-- XXXX XXXX XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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