vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-29 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:
XXXX 's account is identity theft. I have sent FTC reports to Experian, they still will not remove the XXXXXXXX account. Experian is playing dirty games ....

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 2020-11-29 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: NC

Complaint narrative:
I sent a letter to TransUnion on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been almost 5 months and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 60 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.

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 2020-11-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
Since XX/XX/XXXX I've written to National Credit System requesting debt validation on alleged account # XXXX, and have had no response and it is still being reported. Other requests were mailed on XXXX, XX/XX/XXXX, and XX/XX/XXXX. How could the matter be resolved when I have NEVER received debt validation from NCS or debt verification from the bureaus? So it is so just because NCS says it's so? I thought the whole purpose of the law was from them to provide proof within 30 days. It's been almost 6 months. Why hasn't this company sent to me whatever information they are sending to the credit bureaus that the account is " verified as accurate and updated ''? I don't believe the debt can be validated. I don't believe the bureaus did an investigation because when I asked how was it verified the bureau 's response was contact the creditor. I did that and they didn't answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29 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: NC

Complaint narrative:
With no open accounts I started with a XXXX credit score the first time I ever had my credit checked. Ive had to pay to get secured credit cards and years later I finally have just over XXXX. I cant get approved for an unsecured card or loan. Ive worked hard and obsessed over this just to try to get it high enough to be able to buy a work truck and a house. This has held me back in life and I believe my original score was chosen for me based on where I grew up and my background. I never had a fair chance at credit and it seems like Im never going to get a house. Meanwhile I have friends that start out with a high score and are able to get unsecured credit cards and loans and are able to live a higher level of life. I am unable to advance in life because of this.

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 2020-11-29 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: NC

Complaint narrative:
I sent a letter to Equifax on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been almost 5 months and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 60 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pickett Law, LLC
State: MD

Complaint narrative:
On XXXX XXXX, I received debt collection notice for {$3500.00} ( copy is attached ). It states that my account is delinquent for non-payment of the repair or replacement of Air Handler Unit on XX/XX/XXXX by XXXX XXXX XXXX XXXX. 
I sent letter disputing this debt for the following reason : I've never received the item or service from XXXX XXXX XXXX XXXX. 
I contacted the management office and they told me that it is for installation of AC unit on XX/XX/XXXX by XXXX XXXX XXXX XXXX, XXXX. 
I've never contacted to XXXX XXXX XXXX XXXX, XXXX and didn't make a maintenance request to XXXX. Copy of invoice is attached, there is no customer signature authorizing work. 
According to XXXX XXXX of XXXX XXXX, maintenance of AC unit is owner responsibility ( copy is attached ). 
I sent letter to the Board of Directors, no reply. 
Therefore, I believe that XXXX placed unauthorized charge on my account for unauthorized service

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX, XXXX XXXX The purpose of this letter is to you that an improper investigation was conducted by your agency. You have to provide me with a copy of the original documentation for example, 1. A consumer contract a with my wet-ink signature on as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. 
2. Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 
3. Please be advised that under section 611 ( 5 ) ( A ) of the FDCPA you are required to ... .promptly DELETED all information which can not be verified. 
4.Under The FCRA in Section 609 ( c ) ( 2 ) ( E ) it states : A consumer reporting agency is not required to remove accurate derogatory information from a consumer file, unless the information is outdated under the section 605 or can not be verified. 
5. Pursuant to the Fair Debt Collections Practices Act, I requested verification/ validation of the debt including the following : 6. Copies of the information regarding the above-referenced debt, including statements, report, ledges, correspondence, notes organizations documents ( including any all application and usage/activity signature ) and documents relating to any assignment of such accounts to and/or from ant third parties. 
7. Please label all quantitative entries, such as dates, payments, credits identity, including its full name, address, state, and local license and state and federal tax numbers.

8. Also, please provide me with a complete description of clients identity, including its full name, address, state and local license and state and federal tax numbers.

9. Last but not least, you need to provide an original consumer contact with my wet-ink signature on it. 

Copies of copies are not a form of validation, and by law are not considered proof. Under the Fair Credit Reporting Act, unverified, invalid accounts must be removed. If you are unable to to prove me with a copy of the verifiable/validation proof that you have on file, within 30 calendar days from receipt of this notice, by the law you have to immediately remove the aforementioned item in dispute from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Colony Brands, Inc.
State: MA

Complaint narrative:
I filed a former complaint on XX/XX/2020. The company responded with an address that didn't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTAGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A METHOD OF VERIFICATION TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INTIAL DISPUTE 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 2020-11-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Since XX/XX/2020 I've written to LVNV Funding requesting debt validation on alleged account # XXXX, and have had no response and it is still being reported. Other requests were mailed on XXXX, XX/XX/XXXX, and XX/XX/XXXX. How could the matter be resolved when I have NEVER received debt validation from LVNV Funding or debt verification from the bureaus? So it is so just because LVNV Funding says it's so? I thought the whole purpose of the law was for them to provide proof within 30 days. It's been almost 6 months. Why hasn't this company sent to me whatever information they are sending to the credit bureaus that the account is " verified as accurate and updated ''? I don't believe the debt can be validated. I don't believe the bureaus did an investigation because when I asked how was it verified the bureau 's response was to contact the creditor. I did that and they didn't answer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-29 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: AR

Complaint narrative:
I reviewed my report again after submitting multiple disputes without a response back and this account still remains on my credit report, These two accounts are 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 2020-11-29 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: AR

Complaint narrative:
I reviewed my report again after submitting multiple disputes without a response back and this account still remains on my credit report, These two accounts are not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29 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: AR

Complaint narrative:
I reviewed my report again after submitting multiple disputes without a response back and this account still remains on my credit report, These XXXX accounts are 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 2020-11-29 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: Bread Financial Holdings, Inc.
State: AR

Complaint narrative:
this account is still reporting on my credit report after multiple disputes. the credit card company hasnt sent me any information to verify that this account is mine although i know that it is not. They have not responded to my disputes and have been negligent when it comes to resolving this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29 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: WA

Complaint narrative:
I have three time now provided Equifax with a letter of explanation from XXXX XXXX removal of late payments on my credit report. Which is attached with this file. I filed my 3 rd dispute with Equifax apprx XXXX, XXXX 2020. Equifax responded with a generic response and did not remove the codes but requested I go back to XXXX XXXX. However I provided the letter from XXXX XXXX clearing up the issue and included it with the recent dispute.. No one at Equifax looked at the documents otherwise it would have been removed immediately. I have attached page 4 of Equifax standard dispute response letter along with two pages from XXXX XXXX with the removal information on page 2 of the XXXX XXXX document.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29 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: AR

Complaint narrative:
this account is still reporting on my credit report after multiple disputes. the credit card company hasnt sent me any information to verify that this account is mine although i know that it is not. They have not responded to my disputes and have been negligent when it comes to resolving this matter

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 2020-11-29 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: AR

Complaint narrative:
this account is still reporting on my credit report after multiple disputes. the credit card company hasnt sent me any information to verify that this account is mine although i know that it is not. They have not responded to my disputes and have been negligent when it comes to resolving this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29 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: AR

Complaint narrative:
this account is still reporting on my credit report after multiple disputes. the credit card company hasnt sent me any information to verify that this account is mine although i know that it is not. They have not responded to my disputes and have been negligent when it comes to resolving this matter

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 2020-11-29 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: AZ

Complaint narrative:
I filed bankruptcy and it was discharged Chapter XXXX on XX/XX/XXXX, but Experian is allowing a company called XXXX XXXX XXXX to report on my credit report. 
1. I have never signed contract nor done any business with this company, the company is reporting negative information on Experian for a debt that was included in my bankruptcy. The company XXXX apparently handles debt for XXXX or they are XXXX but the debt was discharged in bankruptcy court. 
Experian allow them to report as falling off XXXX, as due {$2000.00} and active debt. XXXX should not be reporting anything the debt was discharged. 
Experian was demanded to remove the debt all debt was forgiving. XXXX should be reporting as closed, current, {$00.00} and surely know date when it will be removed and XXXX should be removed off my credit all together. 

Experian is also reporting my history as NONE, but so long as they report my credit on there files they need to report the length I had the credit. I asked that this be corrected they have not complied. My credit history is 9years and 3 mths.

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 2020-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NM

Complaint narrative:
On or around XX/XX/XXXX Midland Credit management obtained my credit report and filed a collection account on my credit report. Upon realizing later on that this account was filed and it did not belong to me, I submitted a dispute. The dispute was completed on or around XX/XX/XXXX through XXXX  and around XX/XX/XXXX for XXXX  and the credit bureaus found this account to be inaccurate and did not belong to me and resulted in a deletion. On XXXX XXXX, I was served with a lawsuit. I did not get any communication during the entire time from the date it was placed in my credit file ( which I noticed by being diligent with checking for errors ) following this lawsuit regarding an attempt to collect a debt. On XXXX XXXX I filed an answer in court that the account does not belong to me. I followed up with the law firm representing the collection agency on XX/XX/XXXX spoke to XXXX and she said that the account is in dispute ( for the second time ) and I have not been given any communication about the debt or dispute. I have proof that the original account they claim I have ownership of, is not mine and I have proof of the dispute. I would like to file a complaint. Please contact me regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
This is an issue with the Goldman Sachs Apple Card. They are charging me for two monthly installment purchases I put on the card, when they should only be charging for one. These two installments are tied to two XXXX purchases I made. The first XXXX was returned in mid-XX/XX/XXXXXXXX ( Apple confirmed return receipt ), yet I'm still being charged for it along with the second XXXX I purchased. I contacted them on XX/XX/1920 via chat and got bounced around from Goldman to Apple multiple times so I finally called Goldman Sachs. When I explained the situation they said they were submitting a " case '' but could not provide a case number. Two weeks have passed and now I'm about to get charged again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: STERLING JEWELERS, INC.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
HSBC bank has been misleading, unfair and has discriminated against me as a XXXX Veteran. I believe HSBC has violated federal consumer protection laws or regulations. I was enticed by hungry reps into opening another checking account on XX/XX/2020 with a promise of {$220.00} dollar bonus after 3 months of continued direct deposit. Even though I already had a checking account I was misled into believing that if I opened a new checking account I would get a bonus of {$220.00} and approved without an issue. The bank failed to honor the bonus of {$220.00} and now have repeatedly discriminated against myself as a XXXX Veteran. I have tried contacting them and I have been told there is no record of calls, that I was mistaken, and that the offer has expired.

Company response to consumer: Closed with explanation