vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-10 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: OH

Complaint narrative:
Re-aging of a 20 year old account. I have included evidence of how this company re-aged this account making the account appear as newly neglected debt. I have been denied credit so many times and I have kept every denial letter because i will need it for damages. 

I want to bring it to your attention just what these reporting agencies are fraudulent doing to deceive unsuspecting innocent consumers. 

While in good faith working on my credit, something I was never taught before, But always told to get your credit report to check for any errors and dispute anything thats not accurately reporting. I did that. Of course I see things I know shouldnt be there and I attempt to dispute online. I learned quickly that was a waste of time. I then decided to dispute by mail and requesting the information be validated and verified with the original agreement, account or document with my signature to match what they are inaccurately reporting. Absolutely noone honored my request. However most of the accounts are still inaccurately being reported. Every time I dispute an issue XXXX, XXXX and trans union comes with results saying it's been verified or its been updated. During my re investigation from the monitoring site only a few things changed. So it appeared. it appeared an account or two were claimed to be removed. And a few accounts what they did was changed and altered a name or date or something small they dont expect to be noticed. However I would print as I go because I know not so honest people will change and continue to alter things and if not paying attention, it would be missed. I noticed most or all and I took notice that whats being reported on requested credit reports is only fixed so the consumer sees what they want you too see. While i applied for new credit, i couldnt understand why the reason I was denied was, too many accounts with balances, collections, charge offs and derogatory. I was really confused. Because none of my reports showed me this. What I did was I subscribed to many other monitoring programs and I noticed HIDDEN ACCOUNTS! that I couldnt see on the report supplied to me. I dont see how XXXX, XXXX and Transunion can do this to consumers! I will attach evidence during my next few cases that I have to open because these agencies arent resolving the issue and are violating the FCRA and my rights to fair reporting. If i have to seek legal action for this fraudulent activities I am ready with all my evidence.

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 2021-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Re-aging of a 20 year old account. I have included evidence of how this company re-aged this account making the account appear as newly neglected debt. I have been denied credit so many times and I have kept every denial letter because i will need it for damages. 

I want to bring it to your attention just what these reporting agencies are fraudulent doing to deceive unsuspecting innocent consumers. 

While in good faith working on my credit, something I was never taught before, But always told to get your credit report to check for any errors and dispute anything thats not accurately reporting. I did that. Of course I see things I know shouldnt be there and I attempt to dispute online. I learned quickly that was a waste of time. I then decided to dispute by mail and requesting the information be validated and verified with the original agreement, account or document with my signature to match what they are inaccurately reporting. Absolutely noone honored my request. However most of the accounts are still inaccurately being reported. Every time I dispute an issue XXXX, equifax and XXXX XXXX comes with results saying it's been verified or its been updated. During my re investigation from the monitoring site only a few things changed. So it appeared. it appeared an account or two were claimed to be removed. And a few accounts what they did was changed and altered a name or date or something small they dont expect to be noticed. However I would print as I go because I know not so honest people will change and continue to alter things and if not paying attention, it would be missed. I noticed most or all and I took notice that whats being reported on requested credit reports is only fixed so the consumer sees what they want you too see. While i applied for new credit, i couldnt understand why the reason I was denied was, too many accounts with balances, collections, charge offs and derogatory. I was really confused. Because none of my reports showed me this. What I did was I subscribed to many other monitoring programs and I noticed HIDDEN ACCOUNTS! that I couldnt see on the report supplied to me. I dont see how XXXX, Equifax and XXXX can do this to consumers! I will attach evidence during my next few cases that I have to open because these agencies arent resolving the issue and are violating the FCRA and my rights to fair reporting. If i have to seek legal action for this fraudulent activities I am ready with all my evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: NY

Complaint narrative:
Received a debt to collect letter for cellular services from a provider that I do not have a contract nor receive services from for the amount of {$980.00}. 

Submitted a previous claim ( claim # XXXX ) that contains inaccurate company 's response. Proof of signature was not received for services and notification of debt was not received back in XX/XX/XXXX1.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
My wallet been missing for over a month & Half, and in that card I have my ID, Debit Cards, Social, And A Lil Slip With My Online Bankin & Password, so come to find out someone been dropping fraudulent checks & Withdrawlin Money, For Over Months, I couldnt log into online log in for weeks, then when I finally got in and checked it say I have XXXX balanced wid a returned check off XXXX, so now I think I have to pay these banks back, and come to find out I think they tried opening other bank accounts, I dont even know what to do

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 2021-09-10 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: FL

Complaint narrative:
I found some fraudulent inquiries reporting on my credit report so I sent a letter to the credit reporting agencies on XX/XX/2021 but as of today XX/XX/2021 I have not received the results from the credit reporting agencies. I have filed an identity theft affidavit and sent into the bureaus with my personal identification and proof of address. These fraudulent inquiries still remain despite my submission of supporting documents. The list of creditor attached did not have my consent to run my credit and is a result of identity theft result.

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 2021-09-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
TransUnion updated my credit score -46 points, but the only thing that changed on my file was a {$4.00} increase in One credit card account and a {$20.00} decrease in another credit card account. Despite my on-time monthly payment lowering my debt last month by {$16.00} and my credit score went down 46 points In other words if my debt goes up {$4.00} a month TransUnion drops my score -50 points, then when I reduce my debt by hundreds of dollars each month my score would increase 3-6points. This shows a pattern or practice of irresponsible financial practices and needs to be stopped

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 2021-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I have try to explain this company that this debt was already remove from my credit file due to identity theft XXXX XXXX sold my information to ARS Account with out my permission. I advised them to remove from my credit file.

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 2021-09-10 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: EQUIFAX, INC.
State: OH

Complaint narrative:
On XX/XX/XXXX I wrote Equifax a Method Of Verification request letter, sent certified mail ( copy of letter attached ), regarding ; Account # : XXXX Open Date : XX/XX/XXXX Equifax claimed was verified by Original Furnisher : US BKPT CT OH XXXX. My Method Of Verification request was received by Equifax on XX/XX/XXXX XXXX ( proof of service attached ). Equifax had 30 days to respond to the request per FCRA. As of today XX/XX/XXXX. I have yet to receive a response to my request. I have attached copies of all correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I contacted XXXX collection several months ago because of COVID 19 I was not able to make my payment. The collector advised me that it would not be a problem to extend my payment one month. Unfortunately he never extended the account causing it to report to my credit 30 days late.

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 non-monetary relief
Consumer complaint received 2021-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
I filed a dispute in XXXX of this year and it was removed. Now they are using a new collection agency to collect payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
In 2019, my credit card account fell behind and it was sent to collection at the descretion of Stein Mart, the credit card company.

I paid the collection as requested by Stein Mart 's collection agency. 
The account was still showing as the full balanced owed on my credit report. 
I filed a dispute with the collection letter and the payment confirmation of such. The dispute from this creditor now shows it as a charge off and still with the full balance owed.

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 2021-09-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I sent a Validation Of Debt letter to CAPITAL ONE AUTO FINANCE via certified mail ( copy of letter attached ). It was received on XX/XX/2021 ( proof of service attached ). As of today XX/XX/2021, CAPITAL ONE AUTO FINANCE has YET TO APPROPRIATELY RESPOND WITH ANY VALIDATION OF DEBT they are claiming, but are continuing to report to the credit bureaus & the bureaus, having been notified of this violation, are continuing to allow this non validated information to be reported. This is a violation of my rights per FCRA & FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: OH

Complaint narrative:
I sent a Validation Of Debt letter to XXXX XXXX XXXX XXXX via certified mail ( copy of letter attached ). It was received on XX/XX/2021 ( proof of service attached ). As of today XX/XX/2021, XXXX XXXX XXXX XXXX has YET TO APPROPRIATELY RESPOND WITH ANY VALIDATION OF DEBT they are claiming, but are continuing to report to the credit bureaus & the bureaus, having been notified of this violation, are continuing to allow this non validated information to be reported. This is a violation of my rights per FCRA & FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: DCN Holdings Inc.
State: KS

Complaint narrative:
On XX/XX/2021 I received an email from a XXXX XXXX with XXXX  XXXX  based out of XXXX, FL stating I owed a debt. I sent the attached email to him. ( attached as email 1 ) On XX/XX/2021 I received a phone call from the same company but this time it was a woman. I told her my rights, I told her to stop contacting me and she got very aggressive and abusive on the phone, yelling at me, threatening lawsuit and being able to seize my assets. I told her to review the letter sent to her colleague XXXX XXXX and I hung up the phone. 

On XX/XX/2021 I received another letter stating " here are the documents '' that you requested. I was not able to open the documents and an IT friend of mine who stated not to open them as they looked like potential documents with at could infect my computer. I also told them on XX/XX/2021 to only contact me via USPS mail and that email, phone calls, faxes and contacting anyone must stop immediately. They have not stopped. ( attached as email 2 ) I will file a lawsuit against this company if I receive correspondence of any kind going forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: PA

Complaint narrative:
I sent you a letter regarding inaccurate things on my credit report but to this day over 45 days already, I still don't hear from you. FCRA requires you to investigate these negative items within 30 days and remove them if nothing is found, but it has been over a month now, and your inaccurate reporting still affects my credit. Apparently, you are ignoring my disputes. I demand these inaccurate items to be deleted immediately or I will file for litigation due to all the troubles you've caused me. My information was impacted by Equifax data breach and may got into hands of the wrong person and its your obligation to fix all these errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: DISCOVER BANK
State: NY

Complaint narrative:
I have this account that is not mine and i want it to be removed from my credit. 


1. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-10 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
BANK OF AMERICA XXXX XX/XX/2021 XXXX Direct Deposit Funds Transfer to checking/savings $ XXXX BANK OF AMERICA XXXX XX/XX/2021 XXXX Direct Deposit Funds Transfer to checking/savings $ XXXX Totals {$0.00} $ XXXX BANK OF AMERICA XXXX XX/XX/2021 XXXX XXXX Deposit Funds Transfer to checking/savings $ XXXX BANK OF AMERICA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX Transfer Return {$5000.00} BANK OF AMERICA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX Transfer to checking/savings $ XXXX CA XXXX XXXX XXXX XX/XX/2021 XXXX ACH Load Credit {$1500.00} CA XXXX XXXX XXXX XX/XX/2021 XXXX ACH Load Credit {$1500.00} CA XXXX XXXX XXXX XX/XX/2021 XXXX ACH Load Credit {$1500.00} CA XXXX XXXX XXXX XX/XX/2021 XXXX ACH Load Credit {$1500.00} CA XXXX XXXX XXXX XX/XX/2021 XXXX ACH Load Credit {$1500.00} CA XXXX XXXX XXXX XX/XX/2021 XXXX ACH Load Credit {$1200.00} CA XXXX XXXX XXXX XX/XX/2021 XXXX ACH Load Credit {$900.00} Totals {$14000.00} $ 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 2021-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I had a Synchrony Bank credit card XXXX account that was charged off. I settled this account out directly with Synchrony Bank for {$840.00} and the payment cleared my bank account. Months later now I am getting contacted by a collection company called XXXX XXXX trying to collect on the same debt. Not only has the account been resolved it is still on my credit file as if I owe and now a collection company is reporting I owe as well. 

Please help

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 non-monetary relief
Consumer complaint received 2021-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
This account does not belong to me and I would like for it to removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Our paypal credit account was charged {$99.00} by XXXX XXXX for a subscription to XXXX XXXX. XXXX was contacted and they stated that they were unable to reverse the charge but could delete the subscription. They directed us to dispute the charge with our credit card ( Paypal ) and that the charge would be reversed without any contest. When this was done Paypal stated that the charge was valid and offered no other recourse. Upon contacting XXXX again the XXXX XXXX account subscription and account had been deleted, and there was still no way to reverse the charge, especially now that the subscription was no longer present. Paypal still refused to reverse the charge even when the company in dispute and ourselves have asked them to do so. 

Transaction ID XXXX Invoice ID XXXX Case ID 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 monetary relief
Consumer complaint received 2021-09-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am a victim of Identity theft. Please delete or remove this item on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: OH

Complaint narrative:
I sent a Validation Of Debt letter to XXXX XXXX XXXX XXXX via certified mail ( copy of letter attached ). It was received on XX/XX/2021 ( proof of service attached ). As of today XX/XX/2021, XXXX XXXX XXXX XXXX has YET TO APPROPRIATELY RESPOND WITH ANY VALIDATION OF DEBT they are claiming, but are continuing to report this non validated information to the credit bureaus This is a violation of my rights under FDCPA. The bureaus are allowing this non validated information to appear on my credit report, which is a violation of my rights under FCRA. I have attached all correspondence.

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 2021-09-10 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: EQUIFAX, INC.
State: KS

Complaint narrative:
equifax showing XXXX XXXX XXXX XXXX in collections and stil la balance

Company response to consumer: Closed with explanation