vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc.
State: MO

Complaint narrative:
AARGON is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA.

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 2018-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
1. On XX/XX/2018, I sent an initial letter to XXXX XXXX ( " Initial Letter '' ) requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay {$250.00}. 

2. I also notified XXXX XXXX that my Initial Letter also served as formal notice that I was disputing the claim. 

3. I sent the Initial Letter via Certified Mail. The Initial Letter was delivered to XXXX XXXX XXXX   Front Desk/Reception on XX/XX/2018 at XXXX XXXX A copy of the Certified Mail Receipt is attached to the Initial Letter. 

4. Thus, XX/XX/2018 was the 30-day deadline for the notice of dispute to be reported to my Experian and XXXX  credit reports. 

5. Upon investigation of my Experian credit report dated XX/XX/2018 and my XXXX credit report dated XX/XX/2018 ( copies are attached ), XXXX XXXX did not furnish neither Experian nor XXXX with the required disclosure within the period required by law. XXXX XXXX is required by federal law to place a " notice of dispute '' on my accounts within 30 days of my dispute, which was received on XX/XX/2018. 

6. More specifically, XXXX XXXX violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act, Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. 

7. Thus, it is my request that XXXX XXXX delete the {$250.00} entry as a result of it not placing the required notices of dispute on my credit reports. 

8. Additionally, I never received competent evidence of the debt bearing 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 2018-10-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I have been more than 4 months, since XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018 and XX/XX/2018, trying to fix my credit with this company ( Transunion ), and it indicates in its reports that the results are verified or updated, but Check the update date does not change, which turns out to be never investigated in the 30 day period. I sent my last claim on XX/XX/2018 and guess what, that 16 accounts never been update date and their still claiming that this accounts are accurate and verified. In addition to other accounts that have not investigated, they hide with the word not specified, when it is assumed that all change and investigation has not been hidden or hidden from the eyes of the consumer.

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 2018-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
1. On XX/XX/2018, I sent an initial letter to XXXX XXXX ( " Initial Letter '' ) requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay {$250.00}.

2. I also notified XXXX XXXX that my Initial Letter also served as formal notice that I was disputing the claim.

3. I sent the Initial Letter via Certified Mail. The Initial Letter was delivered to XXXX XXXX 's Front Desk/Reception on XX/XX/2018 at XXXX XXXX. A copy of the Certified Mail Receipt is attached to the Initial Letter.

4. Thus, XX/XX/2018 was the 30-day deadline for the notice of dispute to be reported to my XXXX and TransUnion credit reports.

5. Upon investigation of my XXXX credit report dated XX/XX/2018 and my TransUnion credit report dated XX/XX/2018 ( copies are attached ), XXXX XXXX did not furnish neither XXXX  nor TransUnion with the required disclosure within the period required by law. XXXX XXXX is required by federal law to place a " notice of dispute '' on my accounts within 30 days of my dispute, which was received on XX/XX/2018.

6. More specifically, XXXX XXXX violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act, Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.

7. Thus, it is my request that XXXX XXXX delete the {$250.00} entry as a result of it not placing the required notices of dispute on my credit reports.

8. Additionally, I never received competent evidence of the debt bearing 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 2018-10-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: MO

Complaint narrative:
Credence Resource Management is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EOS Holdings, Inc.
State: CA

Complaint narrative:
1. On XX/XX/2018, I sent an initial letter to EOS CCA ( " Initial Letter '' ) requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay {$520.00}.

2. I also notified EOS CCA that my Initial Letter also served as formal notice that I was disputing the claim.

3. I sent the Initial Letter via Certified Mail. The Initial Letter was delivered to EOS CCA on XX/XX/2018 at XXXX XXXX. A copy of the Certified Mail Receipt is attached to the Initial Letter.

4. Thus, XX/XX/2018 was the 30-day deadline for EOS CCA to send me verification of the debt. I havent received anything.

5. The entry of {$520.00} on my XXXX  and XXXX  credit reports is entirely inaccurate, incomplete, and represents a very serious error in reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07 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: Navient Solutions, LLC.
State: VA

Complaint narrative:
Sallie Mae has constantly been on my credit report as closed and 120 days past due. They no longer handle my loan but on my credit report instead of taking it off my credit reports they just put transferred in the notes but it still shows up negative closed account on my report. They have removed one or two so I know it can be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07 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: VA

Complaint narrative:
XXXX XXXX has constantly been on my credit report as closed and 120 days past due. They no longer handle my loan but on my credit report instead of taking it off my credit reports they just put transferred in the notes but it still shows up negative closed account on my report. They have removed one or two so I know it can be done.

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 2018-10-07 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Capital One Auto has refused to delete this fraudulent account from my credit report. They are in breach of contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Midwest Recovery Systems
State: OK

Complaint narrative:
On XX/XX/2018 I received a notification from XXXX XXXX that a new derogatory account had been added to my credit reports. Upon logging in, I saw that on XX/XX/2018 Midwest Recovery systems had added a new collection account in the amount of {$220.00}. I sent them a certified letter on XX/XX/2018 requesting validation of the debt within the next 30 days and also telling them that they needed to remove the unvalidated debt claims from all 3 of my bureau reports. As of XX/XX/2018, I have not heard anything from them nor has anything been removed from my bureau reports. I was never contacted by them in writing or by phone before they threw this alleged debt collection onto my credit reports causing my fico scores to drop.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
1. On XX/XX/2018, I sent an initial letter to XXXX XXXX ( " Initial Letter '' ) requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay {$520.00}.

2. I also notified XXXX XXXX that my Initial Letter also served as formal notice that I was disputing the claim.

3. I sent the Initial Letter via Certified Mail. The Initial Letter was delivered to XXXX XXXX on XX/XX/2018 at XXXX XXXX. A copy of the Certified Mail Receipt is attached to the Initial Letter.

4. Thus, XX/XX/2018 was the 30-day deadline for XXXX XXXX to send me verification of the debt. I havent received anything.

5. The entry of {$520.00} on my Experian and XXXX  credit reports is entirely inaccurate, incomplete, and represents a very serious error in reporting.

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 2018-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Capital One has refused to delete this fraudulent account from my credit report. They are in breach of contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
It is believed that Capital one has opened an account for someone with a a similar name or possibly one without my consent. This company reported an address to my credit profile in XXXX, NY ( XXXX XXXX ) I have NEVER lived in NEW YORK! Also, I will need this company to delete any negative credit reporting information ( if any ) and delete this unknown address from my credit profile as this could be used to open credit under my name without my knowledge. I will also need capital one to furnish me with proof that it has deleted the address and any reporting information. If capital one can not comply, I will be forced to escalate this up to the full extent permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07 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: OH

Complaint narrative:
its asll on transunion on my credit I have never had XXXX or checking just please look at it I have never that XXXX on my credit is not mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Portfolio Recovery Associates, LLC
State: RI

Complaint narrative:
I fell victim to identity theft in XX/XX/XXXX and was made fully aware of its extent by XX/XX/XXXX. I asked for an investigation by the companies feud department and never heard a response. I sent certified U.S. mail dispute letter to the collection agency under the authority of the FDCPA requesting verification. I have not received any response. The company now is suing me in Massachusetts District Court, and I do not live in Massachusetts. The Court have given me 20 days to answer the complaint which Ive chosen in lieu to file a motion for dismissal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
Citibank ( XXXX Loan Acct # XXXX ) in the amount of {$3100.00} Citibank ( XXXX Loan Acct # XXXX ) in the amount of {$2100.00} The above two accounts were originated between years XX/XX/XXXX-XX/XX/XXXX. A detailed debt validation letter was sent on XX/XX/XXXX ( USPS Certified Mail, reference # XXXX ). As of today, more than 30 days have passed without a reply from Citibank.

Please investigate this matter as I believe Citibank is in violation ( again ) in accordance to the Fair Debt Collection Practices Act.

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 2018-10-07 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: VA

Complaint narrative:
After careful review of my credit report, I disputed a public record on my credit file and asked that the credit agency send me information on how this account was verified. I have send two letters requesting this information and all they will send me back is that the item was verified. They have ignored my request and sent back information that is not accurate. They have acted in bad faith and not complied with the Fair Credit Reporting Act. They have sent that I have a derogatory credit status when I have over 11 accounts with 100 % on time payment history. XXXX loan accounts PAID in full. I have worked hard to improve my credit and if they are not going to keep the file accurate it is Defamation of character, negligent on their behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07 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: DC

Complaint narrative:
I am a victim of identity theft and did not open these accounts. Per The FCRA, accounts which are not demonstrated in clarity to be true, correct, complete and timely must be removed from a credit report.. Since credit bureaus failed to properly investigate and send me evidence of the said responsibility, I demand an immediate removal on the following accounts : XXXX XXXX, XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX ( XXXX Loan Acct # XXXX ) in the amount of {$3100.00} XXXX ( XXXX  Loan Acct # XXXX ) in the amount of {$2100.00} The above two accounts were originated between years XX/XX/XXXX-XX/XX/XXXX. A detailed debt validation letter was sent on XX/XX/XXXX ( USPS Certified Mail, reference # XXXX  ). As of today, more than 30 days have passed without a reply from XXXX.

Please investigate this matter as I believe XXXX is in violation ( again ) in accordance to the Fair Debt Collection Practices Act.

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 2018-10-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
Portfolio Recovery is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA.

Account # s XXXX/ XXXX/ XXXX This company is reporting the amounts of $ XXXX/ $ XXXX/ $ XXXX/ $ XXXX/ {$470.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-07 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 — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
When I received my XX/XX/2018 statement, I noticed a charge from XXXX XXXX XXXX XXXX had been posted to my account on XX/XX/XXXX. I did travel on XXXX XXXX in XX/XX/XXXX, but not in XX/XX/XXXX, and I definitely did not authorize any charges for {$1400.00}. I reported this to Citibank, and that account number was closed.

As a result of my report, representatives from XXXX XXXX contacted me. They explained that this charge was for an online flight upgrade on my flight in XX/XX/XXXX. They explained that I had authorized an upgrade in the amount of XXXX XXXX Rupees. Unfortunately, this amount was not properly converted this to US dollars. Instead of XXXX Rupees, I was charged XXXX dollars. They were unable to explain why the charge was posted in XX/XX/XXXX, rather than XX/XX/XXXX. They said that I should check with Citibank.

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 2018-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
I fell victim to identity theft in XX/XX/XXXX and was made fully aware of its extent by XX/XX/XXXX. I asked for an investigation by the companies feud department and never heard a response. I sent certified U.S. mail dispute letter to the collection agency under the authority of the FDCPA requesting verification. I have not received any response. The company now is suing me in Massachusetts District Court, and I do not live in Massachusetts. The Court have given me 20 days to answer the complaint which Ive chosen in lieu to file a motion for dismissal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07 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: DISCOVER BANK
State: NM

Complaint narrative:
XXXX XXXX XXXX made an error in reporting my payment status and is not willing to fix it. They are reporting me as paying late in XX/XX/2018 and I was never late in paying my account. It was an error on XXXX XXXX XXXX part.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LJ Ross Associates
State: NJ

Complaint narrative:
A debt validation letter was sent out to collection agency, LJ Ross Associates ( account # : XXXX ) during the earlier part of XX/XX/2018. Collection agency promptly replied and validated that debt was paid in full to the original creditor ( see attached ).

However, said collection is still listed on my XXXX  credit report. A letter dated XX/XX/2018 was sent to XXXX  to contest the negative item.

Please assist in resolution of this matter. I appreciate the help! 

Thank you!

Company response to consumer: Closed with explanation