vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
On XX/XX/XXXX, I sent a letter by certified mail to XXXXXX/XX/XXXX XX/XX/XXXX regarding an account on my credit reports from XX/XX/XXXX, TransUnion, and XX/XX/XXXX, claiming that I owed XXXX money on an account that has been closed and written off since XX/XX/XXXX XX/XX/XXXX. I requested validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. I have proof of delivery of my letter to XXXX on XX/XX/XXXX at XXXX. XXXX is required by law to respond to my dispute within 30 days of receipt. On XX/XX/XXXX, 31 days from the day XXXX received my letter, I had not received a response from them. On XX/XX/XXXX, I sent another letter by certified mail to XXXX, giving them another goodwill attempt to respond to my dispute regarding the claim on my credit reports that I owed them money. I have proof of delivery of my 2nd letter to XXXX on XX/XX/XXXX at XXXX. As of XX/XX/XXXX, which is 31 days from the day XXXX received my letter, I still did not receive a response from them. This is two times that I have contacted XXXX and they have failed to provide me with any proof or validation that the debt they claim I owe is valid. There has been no data reported to any of the three main credit agencies from XXXX regarding this account they claim I owe money on since XXXX,XX/XX/XXXX. Since I have sent them two letters of dispute, XXXX has now reported to all three credit agencies on XX/XX/XXXX that I am 30 Days Past Due Payment. This has made my credit score drop at least 8 points. Not only have they not been reporting any data for 2 and a half years, but they also did not reply to either of my disputes, nor did they send me a bill in the mail. XXXX has my current address because it was listed on both letters I sent. Along with reporting that I am 30 Days Past Due Payment, there is also a comment on both XX/XX/XXXX and TransUnion credit reports from XXXX that Completed investigation of FCRA dispute consumer disagrees. The disputes can not be complete when XXXX never replied to them. This company never furnished any proof or validation that I owe this debt they claim I owe.

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 2020-12-06 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
On XX/XX/XXXX, I sent a letter by certified mail to XXXXXX/XX/XXXX XX/XX/XXXX regarding an account on my credit reports fromXX/XX/XXXX, XX/XX/XXXX and Experian, claiming that I owed XXXX money on an account that has been closed and written off since XX/XX/XXXX. I requested validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. I have proof of delivery of my letter to XXXX on XX/XX/XXXX at XXXX. XXXX is required by law to respond to my dispute within 30 days of receipt. On XX/XX/XXXX, 31 days from the day XXXX received my letter, I had not received a response from them. On XX/XX/XXXX, I sent another letter by certified mail to XXXX, giving them another goodwill attempt to respond to my dispute regarding the claim on my credit reports that I owed them money. I have proof of delivery of my 2nd letter to XXXX on XX/XX/XXXX at XXXX. As of XX/XX/XXXX, which is 31 days from the day XXXX received my letter, I still did not receive a response from them. This is two times that I have contacted XXXX and they have failed to provide me with any proof or validation that the debt they claim I owe is valid. There has been no data reported to any of the three main credit agencies from XXXX regarding this account they claim I owe money on since XXXX, XXXX. Since I have sent them two letters of dispute, XXXX has now reported to all three credit agencies on XX/XX/XXXX that I am 30 Days Past Due Payment. This has made my credit score drop at least 8 points. Not only have they not been reporting any data for 2 and a half years, but they also did not reply to either of my disputes, nor did they send me a bill in the mail. XXXX has my current address because it was listed on both letters I sent. Along with reporting that I am 30 Days Past Due Payment, there is also a comment on both Experian and XX/XX/XXXX credit reports from XXXX that Completed investigation of FCRA dispute consumer disagrees. The disputes can not be complete when XXXX never replied to them. This company never furnished any proof or validation that I owe this debt they claim I owe.

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 2020-12-06 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: Continental Finance Company, LLC
State: NY

Complaint narrative:
Im going through a credit repair place that is making my payments for me and in XXXX and XXXX of this year the original creditor continental finance placed late payments on my report Ive called 3 times and disputed through credit bureaus nothing I keep getting the run around from them one person tells me I have no late payments and then another person tells me I do have them so I got the check numbers from my credit repair service XXXX  XXXX  XXXX for the 2 months XXXX check no:XXXX  they sent it out XX/XX/XXXX and it cleared on XX/XX/XXXX and XXXX check no:XXXX sent out on XX/XX/XXXX and cleared on XX/XX/XXXX and my payment date is the XXXX of every month for my account ending in 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 2020-12-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
Notice for Proof of Claim Account : CREDIT COLLECTION SVCS XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX Id XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
LVN Funding had added something to my credit that was not mine, I disputed the account & it was deleted. A male called me with intimidating tactics & yelling out my address & info like I know where youre at. That was XX/XX/XXXX I also told the to cease & desist. The next day XX/XX/XXXX I was alerted byXX/XX/XXXX that LVNV Funding added a derogatory account to my credit report. An account that was deleted because it wasnt mine. I want them to send $ XXXX for continuing to contact me after I said dont call me & adding a fraudulent derogatory account to my credit report. It shows I opened an account XX/XX/XXXX with LVNV Funding. Please escalate because they must be doing this to lots of people.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 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: TX

Complaint narrative:
I have written letters toXX/XX/XXXX and TRANSUNION in compliance with the CRA on XX/XX/2020, again on XX/XX/2020, and on XX/XX/2020. 
They have failed to remove information that was affiliated with personal details that were challenged in the past, along with none verification from the collection agency XXXX XXXX XXXX ) Acct # XXXX I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2020-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint on Experian and XX/XX/XXXX due to non-compliance with the CRA. 
I have written letters to Experian on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020, along with letters sent to XX/XX/XXXX on XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020. 

They have failed to remove information that was affiliated with personal details that were challenged in the past and were not verified by the credit bureaus nor the charge-off company XXXX XXXX XXXX. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2020-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: OH

Complaint narrative:
Notice for Proof of Claim Account : I.C. SYSTEM, INC # XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is voidab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Id XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.

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 2020-12-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
I have a loan with Credit Acceptance and have called to ask if payments could be placed on back of loan do to loss of work during covid. Flat out told no and asked when I could make a payment. I have fallen behind and try to pay something but I will never catch up. Then they are only acknowledging Covid Relief for certain States. I live in NC a Hotspot state and nothing is being done. I feel as though I'm denying discriminated against and its not right. They are reporting to all credit agencies and I'm trying this is ridiculous and needs to cease. They already charge astronomical interest and fees I can't see how they are a legal entity.

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 2020-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I received the attached letter simply stating no signs of fraud were found on my credit card account. I need details and an explanation for the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
I am the co-signer for a student loan and through the interference of an attorney obtained by student because of the continued harassment calls and email messages from XXXX XXXX the attorney was able to obtain an extension through XX/XX/XXXX. Per XXXX XXXX XX/XX/XXXX, I am still responsible for payments dating back from XX/XX/XXXX hrough XX/XX/XXXX. Although no payments were due from XX/XX/XXXX through XX/XX/XXXX, interest in the amount of {$3000.00} was accrued during that period. 
I was never informed by XXXX XXXX XX/XX/XXXX that the student 's loan was granted an extension nor received communication from them regarding payments due. 
I became aware of this situation through an email from XXXX XXXX, a service provided by my XXXX credit card, that advised me of the activity and how it impacted my credit score. Through their service I read that XXXX XXXX Bank had furnished negative information regarding non-payment of student loan to the 3 credit reporting agencies without informing me first that I was responsible for paying loan and non-payment will result in negatively impacting my credit. 
I contacted XXXX, Account Manager at XXXX XXXX on XX/XX/XXXX to inquire about the student 's loan being extended until XX/XX/XXXX, where she could not find documentation regarding the extension and informed me that I was still responsible for monthly payments even though I never received any written communication from XXXX XXXX. 
I do not understand how the student gets an extension on her loan but I, as a co-signer am still responsible for payments.

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 2020-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
I am the co-signer for a student loan and through the interference of an attorney obtained by student because of the continued harassment calls and email messages from XXXX XXXX the attorney was able to obtain an extension through XX/XX/XXXX. Per XXXX XXXX XX/XX/XXXX, I am still responsible for payments dating back from XX/XX/XXXX hrough XX/XX/XXXX. Although no payments were due from XX/XX/XXXX through XX/XX/XXXX, interest in the amount of {$3000.00} was accrued during that period. 
I was never informed by XXXX XXXXXX/XX/XXXXthat the student 's loan was granted an extension nor received communication from them regarding payments due. 
I became aware of this situation through an email from XXXX XXXX, a service provided by my XXXX credit card, that advised me of the activity and how it impacted my credit score. Through their service I read that XXXX XXXXXX/XX/XXXXhad furnished negative information regarding non-payment of student loan to the 3 credit reporting agencies without informing me first that I was responsible for paying loan and non-payment will result in negatively impacting my credit. 
I contacted XXXX, Account Manager at XXXX XXXX on XX/XX/XXXX to inquire about the student 's loan being extended until XX/XX/XXXX, where she could not find documentation regarding the extension and informed me that I was still responsible for monthly payments even though I never received any written communication from XXXX XXXX. 
I do not understand how the student gets an extension on her loan but I, as a co-signer am still responsible for payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
I am the co-signer for a student loan and through the interference of an attorney obtained by student because of the continued harassment calls and email messages from XXXX XXXX the attorney was able to obtain an extension through XX/XX/XXXX. Per XXXX XXXX XX/XX/XXXX, I am still responsible for payments dating back from XX/XX/XXXX hrough XX/XX/XXXX. Although no payments were due from XX/XX/XXXX through XX/XX/XXXX, interest in the amount of {$3000.00} was accrued during that period. 
I was never informed by XXXX XXXX XX/XX/XXXX that the student 's loan was granted an extension nor received communication from them regarding payments due. 
I became aware of this situation through an email from XXXX XXXX, a service provided by my XXXX credit card, that advised me of the activity and how it impacted my credit score. Through their service I read that XXXX XXXX XX/XX/XXXXhad furnished negative information regarding non-payment of student loan to the 3 credit reporting agencies without informing me first that I was responsible for paying loan and non-payment will result in negatively impacting my credit. 
I contacted XXXX, Account Manager at XXXX XXXX on XX/XX/XXXX to inquire about the student 's loan being extended until XX/XX/XXXX, where she could not find documentation regarding the extension and informed me that I was still responsible for monthly payments even though I never received any written communication from XXXX XXXX. 
I do not understand how the student gets an extension on her loan but I, as a co-signer am still responsible for payments.

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 2020-12-07 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: OneMain Finance Corporation
State: TN

Complaint narrative:
On XX/XX/XXXX I tested XX/XX/XXXXXX/XX/XXXX. At the time I had already been out of work a week as I was not feeling good. My condition slow begin to worsen, which made talking difficult. I reach out to all my creditor to let them know I was suffering from covid and it was causing financial difficulty. Unfortunately one main email was not working on several occasion inside the portal. When I select having payment difficult it state to call which I could not. I had my husband make payments in XXXX as well as XXXX. Unfortunately in XXXX we were {$26.00} short on my payment. Which result in One main reporting XXXX as 30 days late. When I started to feel better and was able to call and talk to one main I notice they report me 30 days past due. Which 1 I was not and 2 directly valid sect XXXX of the cares act signed in to law on XX/XX/XXXX. Protecting the credit reports and individual effect by covid whose accounts were not in collections. I reached out to inform them that they were in effort and both my local office and their corporate office stated they would not change it. So now Im filing a complaint has this violation of the law is sufferly damaging my credit and has prevent me from purchasing furniture on credit for my children.

Company response to consumer: Closed with non-monetary relief