vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc.
State: KS

Complaint narrative:
Credit Collection Services also known as CCS is violating the FDCPA laws by incorrectly reporting inaccurate derogatory information to my credit report. The company is reporting I owe them money. Ive never had any business or any accounts w/CCS. I was never notified by mail, or by phone of this debt. I received a collection notification and called CCS. I spoke w/XXXX, who confirmed the address on file was incorrect and not updated. We confirmed that the amounts being reported of {$58.00}. Is not correct. The actual amount they have a request for is XXXX. I informed XXXX that I had no knowledge of the debt and that I can resolve issue w/fair opportunity. I asked XXXX, due to him verifying the wrong address is on his file, the wrong amounts is being reported, and that I had no knowledge and willing to resolve could this derogatory information be removed. XXXX refused and escalated me to XXXX, a XXXX supervisor. 

XXXX, also confirmed the address they had on file was wrong. She confirmed that they tried to call a number on file but was NOT able to reach a person. She confirmed that I had no account or business w/Credit collection services. She said that they were a debt collection agency and that the company I actually owe is XXXX XXXX. She said theyre are 2 collections. One for XXXX and another for {$50.00}. I exclaimed to XXXX, that the information they were reporting was incorrect and that I had no knowledge of any debt or money owed. I advised XXXX of my correct number. I also educated XXXX, that my FDCPA rights were being violated because CCS were violating the FDCPA laws.1. I never received notification of debt which prevented me from being able to have a fair opportunity to pay balance Im presumed to have owed. 2. They are reporting the incorrect amounts that I owe to XXXX. 3. XXXX, told me the only way their willing to update my file and remove this derogatory, inaccurate reporting is that I send in proof of my personal address. Thats a violation of my privacy rights. I have no account w/CCS. 4. CCS is reporting the derogatory information to my credit report 3x in the month of XXXX. She still refused to remove this inaccurate reporting. I also spoke w/a manager by the name of XXXX. She was very rude and condescending. I advised her that I contacted the company I question and that the monies owed have been resolved w/XXXX XXXX. She has still chose to violate FDCPA laws and not remove this derogatory report thats inaccurate and I also was never given knowledge of.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I submitted a letter on XX/XX/2021, about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 60 days. I feel as though I'm being used and that my complaints are being ignored. I demand that these accounts be removed immediately, or I will file a litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: Blackhawk Network Holdings Inc.
State: CO

Complaint narrative:
I bought a {$100.00} XXXX XXXX gift card at a XXXX on XX/XX/21. When I opened it, card numbers and pin were covered tampered with superglue. I was not able to use the card at XXXX XXXX. 
I went back to the store I bought the card and was told that they are third party they cant do anything at the store level and asked me to contact XXXX at XXXX for help. 
I then did and opened a case. After 3 weeks of waiting for the updated status of the case, a rep told me the card was redeemed but was not able to tell me where and when it was redeemed. She then told me to contact XXXX  for help. 
I went to a XXXX  store and a lady at customer service desk made couple phone calls and about 20 ' on the phone of investigating the issue, she finally got the card number and pin and the card was indeed redeemed by someone in TEXAS right after I bought the card and was activated at the XXXX. 
She said that they got card numbers and pin, put superglue on so buyers can't see it, they wait until cards are activated so they can redeem them. 
She also said there are multiple people who have come to her store with gift cards that tampered with superglue like I have. 
A XXXX rep also told me to contact the gift card provider/maker to solve the problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-09 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: PA

Complaint narrative:
Someone was suppose to handle the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I received an email on XX/XX/XXXX and a letter on XX/XX/XXXX from what appeared to be Chase bank saying I had an account opened, even though I did not. I called the customer service number, and it was very realistic, so I gave them my social security number and they said there was an account in my name and put me on hold. On hold, I decided to double check that the Chase customer service number was the same but it was not. I called XXXX instead of the real customer service number. I immediately hung up and froze my credit but now I know my information is out there. No money was stolen to my knowledge but I am very concerned.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I have sent a certfied latter and police report to Equifax about inquiries on my report i have no idea about and here today XX/XX/XXXX i get my results back and it says all inquiries i disputed are factual .... And may i add they took 1 day to do this i see it clear XXXX  day on my Equifax. Com i want a re investgation its the law to remove all Fraud inquiries that i have not approved here are all the inquiries ... XX/XX/XXXX XXXX XXXX XXXX XXXX ... XX/XX/XXXX XXXX XXXX XXXX ... XX/XX/XXXX XXXX XXXX .... XX/XX/XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ... XXXX.. XXXX XXXX- XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX .. XXXX XXXX XXXX .. XXXX XXXX ... These are all FRAUD INQUIRIES PLZ fix and remove with 30 days or i will take legal Action ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
On XX/XX/2021 I disputed the balance of my mortgage with XXXX XXXX to Transunion through XXXX XXXX. Instead of updating the balance, XXXX XXXX was totally removed from my credit report. I have been going back and forth with XXXX XXXX and Transunion. XXXX XXXX says Transunion has to request information to put XXXX XXXX back onto my credit report and Transunion says the XXXX XXXX has to report my mortgage to Transunion. I was also told by XXXX and by XXXX at Transunion that even if I send a letter to Transunion from XXXX XXXX stating my mortgage is in good standing along with my mortgage statement, they will question the validity of the documents because they are coming from consumer ( me ) and not from actual creditor, XXXX XXXX. Pease help. My credit score is affected.

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 2021-08-09 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: FL

Complaint narrative:
I am writing to you and attaching the court report proving that these accounts are not mine. I do not have anything in common with these accounts and its identity theft. Remove them please ASAP

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 2021-08-09 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: FL

Complaint narrative:
I am writing to you and attaching the court report proving that these accounts are not mine. I do not have anything in common with these accounts and its identity theft. Remove them please ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
review these accounts that appear on my credit report, without any authorization, they are not mine. 
Identity Theft 08 CAPITAL ONE BANK USA N A Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX  XXXX  Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
Theres an account on my credit with BARCLAYSBK thats an fraud account and I didn't authorize. I've sent letters to company and it still remains on my XXXX  report from XX/XX/2014 2014

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 2021-08-09 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: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
Someone was suppose to handle the situation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
I am in XXXX XXXX. I was admitted to Hospital XXXX. However, I did not sign any voucher or invoice for the charges on my card of {$5000.00}, I did not authorize this charge at all. I disputed the charge with Chase, they did not resolve it. I was sent a new card because I made a fraud claim on the {$5000.00} charge from XXXX. Chase apparently validated the charge. I did not sign anything, did not give authorization to anyone to sign on my behalf. I will not pay the {$5000.00} charge to XXXX XXXX. This is having a negative effect on my credit. I want the charge reversed. 

I do not understand how they did not validate the fraud charge. XXXX did not treat me, I was there against my will and moved to a different hospital where my covid was resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I submitted a letter on XX/XX/2021, about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 60 days. I feel as though I'm being used and that my complaints are being ignored. I demand that these accounts be removed immediately, or I will file a litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: MO

Complaint narrative:
My identity has been compromised. I was just made aware today when I received a letter in the mail confirming my address change that I did not make. I live in Illinois where Ive lived for over 20 years. I have never lived in XXXX GA nor do I know anyone at that XXXX address. XXXX XXXX ( XXXX XXXX XXXX XXXX ) will not help me correct this issue. Someone not only updated the address but changed my phone number which has been XXXX for 15 yrs. they also change my email address and requested a new card. I'm not sure what is going on but I am in no way responsible for this account. Ive reached out multiple to times trying to get XXXX XXXX to understand that my identity is being used fraudulently.

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 2021-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paradigm Assets, LLC
State: GA

Complaint narrative:
I didn't authorize this company to have my information nor, did I authorize this account. This account was placed on my credit from a fraudulent account that I didn't authorize and I demand that its removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
This letter is regarding account # XXXX, which you claim I owe {$940.00}. This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 


I sent a letter responding to an item on my credit report that should not be there. I have no recollection of the amount this company says I owe to them. It seems to be an apartment building, but I have never lived here nor know anyone that has lived here. I submitted a dispute letter on XX/XX/2021 and they responded back telling me that I can settle the amount. I am not paying any amount because this is being reported inaccurately. There is no proof that I am obligated to this place. Please have them remove this from my credit report as it is impacting my ability to apply for a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: PA

Complaint narrative:
I fell behind on my mortgage payments a few years ago due to some financial problems, and tried for a loan modification with the company. I made all of my trial period payments only for them to cancel the modification because according to them I missed a payment in the beginning of the trial period. So me being stubborn and already mad I quit making the mortgage payments. Fast forward 4 years later I filed for bankruptcy because I got tired of them not trying to work with me to resolve my problem. After filing for bankruptcy in the spring of XXXX the mortgage company was willing to work with me and apply for a loan modification my trial payments were a little over {$2100.00} a month for 6 months starting in XXXX of XXXX thru XX/XX/XXXX, which I paid them all. Now they are telling me my new monthly mortgage payments will be {$2100.00}. I filed a petition for the payments to be reduced back to my original amount of {$1200.00}, which they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: NJ

Complaint narrative:
I have been in the process with Rocket Mortgage for the last 3 months to close on a property. They have had all my documentation for the last 2 months and only began the underwriting process 1 week before our agreed-upon closing date which is XX/XX/XXXX. More than likely now our closing will have to be delayed which is completely unacceptable. 

They continue to request documentation about a gift letter, but purposely send me a different document to sign in order to make it seem as if the delay is my fault. They simply just started the process too late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX. Re : Account Number : XXXX Original Creditor : XXXX XXXX XXXX To whom it may concern, XXXX XXXX XXXX XXXX a subsidiary of XXXX XXXX has had 728 XXXX XXXX XXXX Complaints in the last 3 years and 36 complaints filed with the CFPB recently. Errors are being made and it is defamation against me which is costing my family money and making me XXXX ; my families blood is on their hands and they don't care because I'm just a poor XXXX man. I'm not XXXX  though and I will save to fight this in court. On multiple occasions I requested proof of this debt with from Transunion. Absent such proof, they must terminate this from my report, and correct any erroneous reports of this debt as mine IMMEDIATELY. Their continued silence in this matter is unacceptable. Either provide the proof or correct the record and remove this invalid debt from my credit report ITS SO SIMPLE AND SEEMS " FAIR '' AND CORRECT!!! This is a request for the REMOVAL OF THIS ACCOUNT FROM MY REPORT! I have copied the XXXX XXXX XXXX, FTC & Attorney General of Washington and the CFPB. I will be taking legal action against Transunion if this erroneous item is not removed from my report. Sincerely, 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 2021-08-09 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: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX. XXXX : Account Number : XXXX Original Creditor : XXXX XXXX XXXX To whom it may concern, XXXX XXXX XXXX XXXX a subsidiary of XXXX XXXX has had 728 XXXX XXXX XXXX Complaints in the last 3 years and 36 complaints filed with the CFPB recently. Errors are being made and it is defamation against me which is costing my family money and making me XXXX  ; my families blood is on their hands and they don't care because I'm just a poor XXXX man. I'm not XXXX though and I will save to fight this in court. On multiple occasions I requested proof of this debt with from Transunion. Absent such proof, they must terminate this from my report, and correct any erroneous reports of this debt as mine IMMEDIATELY. Their continued silence in this matter is unacceptable. Either provide the proof or correct the record and remove this invalid debt from my credit report ITS SO SIMPLE AND SEEMS " FAIR '' AND CORRECT!!! This is a request for the REMOVAL OF THIS ACCOUNT FROM MY REPORT! I have copied the XXXX XXXX XXXX, FTC & Attorney General of Washington and the CFPB. I will be taking legal action against Transunion if this erroneous item is not removed from my report. Sincerely, 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 2021-08-09 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 — Investigation took more than 30 days
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
On XX/XX/2021 and XX/XX/XXXX disputing the claimed debt from LVNV Funding LLC- In my requests I asked for validation of the debt and the signed contract to verify the agreement. The company, within 30 days, has failed to comply or remove damaging information from my credit report. 

The unvalidated debt for {$670.00} remains on all three of my credit reports. It is now XX/XX/2021 - and despite my two attempts to dispute the unverified data and request for proof of validation, remains ( 18 days past the limitations ).

Company response to consumer: Closed with explanation