vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-29 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: IL

Complaint narrative:
XXXX and TransUnion have been reporting these fraudulent accounts under my name XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX SEC ADMIN OFFICE O is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX I didnt benefit, apply for, and authorize these accounts

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 2020-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have two open fraud cases here against capital one. They are clearly guilty and now passively threatening to close my account due to funds they illegally withdrew. I have a PIN number restriction on my account to stop it from going under XXXX. 


They are attacking the victim while putting off the resolution. 

They ha e hacked my phone to steal the screenshots I already sent copies of as well. 

Arrest them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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: AL

Complaint narrative:
XXXX and TransUnion credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be 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 2020-07-29 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: AL

Complaint narrative:
Request for method of validation To Whom It May Concern : I recently received a response to a CFPB complaint that I made under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) ) regarding the validation of the below accounts which you show as validated and belonging to me on your records. I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. I am extremely interested to learn how your XXXXnvestigator ( s ) arrived at this conclusion. I would like to see a complete list of all documents and correspondence between the credit bureau, existing creditor, and original creditor. Please include all names and contact information of employees that you spoke to as part of your investigation. All previous letters and documents that I sent to you attached along with this correspondence in order to help you process this request. I would like to request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. I expect to receive a response within 15 days of receipt of this complaint, or I will expect to see the item in question permanently expunged from my record. Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. Acct XXXXXXXX XXXX XXXX   XXXX, XXXX XXXX XXXXXXXX, XXXX/XXXX 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 2020-07-29 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: CA

Complaint narrative:
When the vehicle was repossessed and then sold at an auction. I was not given any information as to where or when the auction was taking place nor given any written letter giving me a chance to redeem the vehicle. Once vehicle was sold they tried to still report the whole amount owed on the vehicle u set my credit report vs updating the amount left after the vehicle was sold. I have requested multiple times including filed a legal notarized FCRA dispute forms to all 3 credit bureaus to provide all the original documents proving they have followed the legal steps after the vehicle was repossessed and have not wrongfully reported incorrect information but have not received anything in over 60 days as the documents I sent gave a 30 day notice to do so or delete. They have failed to follow any and all request for proof and original documents. They have reported inaccurate information to the credit bureaus and are trying to have me still pay full amount after they have sold the vehicle and received money for it. I have tried to talk with them over the phone and received very hostile conversations with the representatives.

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 2020-07-29 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: PA

Complaint narrative:
I have disputed this account from Equifax, I mentioned to them that this account is not mine and I also included my police report and FTC report. The account from XXXX XXXX XXXX XXXX is still reporting despite that I asked Equifax to remove it from my file multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
In XX/XX/2019 I opened a XXXX store brand credit card. At the time I was working to repair my credit with a score around 500 and 5 accounts in collections. After paying off 4 of the accounts in collections and improving my score by 100 points Synchrony bank closed my account based on my credit report. My account was in good standing and on auto payment.

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 2020-07-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC
State: TX

Complaint narrative:
Hello. I am continually being harassed by Receivable Performance Management about a debt that has false charges on the account.  On XX/XX/XXXX, I spoke with a representative and was told that they would put in a dispute for the amount of the false charge, they did not, instead they put in a dispute for something that i said nothing about and refused to review the recording so that they could hear that was not what I said. Also in the same conversation I was told that I could do a payment plan for a the amount of {$5.00} per month, when I received another call from them and told them I want to proceed with that plan once the false charge is settled, I was then told that I can't do a payment plan for that amount when I was clearly told I could. Also any time I ask to speak with a manager either they lie and send me to another rep, or when I insist on speaking with one they hang up in my face ( that conversation is recorded also XX/XX/XXXX ). I also attempted to get the recording of my conversations, I was told that I was being transferred and was hung up on twice. The manager that did this is XXXX XXXX. This company is very aggressive, deceitful and very disrespectful. This type of treatment is unacceptable. 

Best.

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 2020-07-29 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: IL

Complaint narrative:
Experian and TXXXX credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be 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 2020-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Re : Capital One Fraudulent Reporting of Account # XXXX To Whom It May Concern : I was checking my credit and to my dismay I have an entry on my credit report from Capital One. Capital One decided to change the dates on an alleged debt and to state a false reason saying that the last payment was in XXXX. This is a charge off debt according to Capital One, sold to a debt collector and allegedly mine which I deny. The law states that the Statute of Limitations is 6 years for credit card debts and that no collector will use abusive practices i.e, change the dates of a debt, which is when the last payment is made, that is what makes the clock run on time for debt collection, making this past the statute of limitations of collection. The FDCPA prohibits a debt collector from using a false, deceptive, or misleading representation or means in connection with the collection of any debt and prohibits a debt collector from using unfair or unconscionable means to collect or attempt to collect any debt. 15 U.S.C. 1692e, 1692f. 

According to XXXX in XXXX, please note it was reported I was allegedly my last payment was on XX/XX/XXXX. ( REPORT ( s )  ENCLOSED ) According to Capital Ones own reporting the last payment made was XX/XX/XXXX, which makes the last payment on or around in XX/XX/XXXX. Further a collection account is considered a continuation of the original debt. It is a violation of law for a collection agency or original creditor to report old past-due amounts as if they are new again when the debts are sold. They are in violation of CT Gen Stat 36a-646 No creditor shall use any abusive, harassing, fraudulent, deceptive or misleading representation, device or practice to collect or attempt to collect any debt. This is also a violation of the FCRA ( Carbajal v. Capitol One, 2003 ). in reporting old debts with updated activity dates. According to the research I have done, it is illegal for a Creditor to falsely report dates on an expired date in order to collect any debt by changing those dates to suit their needs. This violates the FDCPA, Connecticuts state laws and FCRA. This is fraud and a deceitful practice. 

They are falsifying the dates to XXXX. Evidently they have a pattern since they were sued previously sued a collector under 15 USC 1692e ( 2 ) ( A ) ( see Rosenberg v Calvary, 2005 ). 

I want you to charge them and fine them for their willful and wanton conduct. This is disgusting and its a danger to consumers. All credit reports attached including one from XXXX. So were they lying in XXXX? I sent this to Capital One. Whether they choose to respond or not they lied and broke the law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: SC

Complaint narrative:
On XX/XX/XXXX a processor for XXXX XXXX 's locating office called and left a voicemail about a company, XXXX XXXX XXXX, XXXX attempting to sue me on counts of breach of contract and fraud. After leaving me a voicemail, the processor, XXXX XXXX, also contacted my employer and a friend of mine. These actions prompted my employer and my friend to call me and provided me with a case number as well as a contact number. When I called into the number for the collection agency, the agent claimed there was an amount of {$1200.00} due to a Cash Central creditor. The agent requested payment with a payment plan option and sent a vague validation letter to my email address. The agent also did not have my correct address on file and my gender in the letter is not correct. I have not received a written notice of debt. I even tried obtaining this information from the original creditor when the debt first appeared over 4 years ago and was not given a response. The last date the original creditor, Cash Central,  reported any kind of debt was XXXX of XXXX. The account has shown closed since XXXX of XXXX and no further communication was put out from the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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: GA

Complaint narrative:
SOMEONE HAS STOLEN MY IDENTITY. I DONT RECOGNIZE ANY OF THESE ACCOUNTS.PLEASE REMOVE THESE ACCOUNT FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
XXXX XXXX Credit card paid off on XX/XX/XXXX. Was taking out loan with XXXX XXXX XXXX and this debt had to be paid in order to get loan. Therefore the amount of XXXX was paid to resolve this outstanding debt. Unfortunately a Midland Funding approx XX/XX/XXXX rcvd. Account records sold to them This is where the  injustice bean!!! I have attempted to reach them throughout the years to no avail. Now I find out reason is it was turned over to XXXX XXXX XXXX ( yes I just spoke with them ). And then on XX/XX/XXXX got court order frl. XXXX XXXX XXXX. To appear in court. I have been paying XXXX a month to XXXX for 2 yrs. I now found printed evidence from XXXX XXXX that this debt was paid!!! I made copy and sent certified mail! They say isn't enough proof! I have contacted all involved and they pass the buck. XXXX was.not even aware of XXXX XXXX. Therefore Midland Funding was not even one ta! ing me to coudt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI

Complaint narrative:
I filed a claim/dispute with Capital One Bank in regards to International fraudulent charges to my new checking account. It looks to have been done all over the internet from foreign countries such as XXXX and XXXX through fake sites or online portals. 
Capital One has all my information on file but yet denied my dispute and is claiming all charges were valid. I live in Hawaii and have never been or bought anything from XXXX or especially XXXX!! 
Capital One refuses to help me any further with my disputes or with getting my money back! Now I'm out XXXX!!! I've been trying desperately to get this fixed because I need my money back! They keep brushing me off or they just deny my disputes in general saying that someone confirmed some purchases via text. 
This is ridiculous and I want justice! I want my money back!! I was told you folks could help me out, if not I will need to take legal action against Capital One. 

Here are claim numbers and amounts : XXXX, XXXX If you have any questions please contact me directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian has not responded to my multiple request for validation or confirmation of validity of the following accounts reporting to my credit report : Bankruptcy ( removed from XXXX & XXXX ) US DEPT OF EDXXXX {$20.00} & {$59000.00} ( removed from XXXX  and XXXX ) XXXX {$4300.00} ( Removed From XXXX  and diffrent amount shows on XXXX  report {$4400.00} ) XXXX XXXX {$870.00} ( removed from XXXX  and Balance shows as {$0.00} balance on Transunion ) XXXX XXXX XXXX ( Removed from XXXX  and XXXX  ) XXXX XXXX XXXX ( Removed from XXXX  and XXXX ) XXXXXXXX XXXX XXXX ( Removed from XXXX  as invalid ) Letters have been sent requesting proof that I am responsible for these accounts and documentation used by experian to validate. All student loans were paid off and reported to all credit agencies. The bankruptcy was never verified by the furnisher as they have provided documentation that they do not provide such information to credit agencies. Experian fabricated there means of verifying this information and stated that they verified using XXXX XXXX I have attached documentation showing that my XXXX   XXXX  account has been frozen sinceXX/XX/2018 

I have made multiple complaints with CFPB and Experian always avoids responding by stating that I am not XXXX XXXX and that I am some sort of agency. They have been stalling for years using the same tactics. They have no right to report this information and have not provided any documentation explaining how the student loan accounts showed as paid off on all 3 credit bureaus then placed back on my experian account without notice or how they verified the public record with the court which does not provide this information to Experian. All request for validation on all other accounts remaining have also been ignored. Please see all documents attached as well as the recored call with Experian confriming Student Loans are paid off. ( they will not take calls from me anymore at this point ) They are avoiding me and by doing so they are committing fraud and causing so much damage by their negligence and refusal to abide by the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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: IL

Complaint narrative:
Experian and XXXX  have been reporting these fraudulent accounts under my name XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX CHILD SUPP is fraudulent on my credit Account # XXXX XXXX XXXX CHILD SUPP is fraudulent on my credit Account # XXXX XXXX XXXX, XXXX is fraudulent on my credit Account # XXXX I didnt benefit, apply for, and authorize these accounts.

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 2020-07-29 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX their was charged made for {$710.00} and some cents. This charge was made from my visa CHASE debt card. I disputed the above charge around the end of XXXX XXXX due to having a large amount of money in my account I didn't notice the above amount was taken out from my account. ) The money was giving back into my account Around XX/XX/XXXX with a new card ; then i went to retrieve my money the middle of XXXX and that I had negative - {$590.00} which Chase had not correct or contact me about resolving this dispute about a purchase made without my permission.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NJ

Complaint narrative:
I have a collection account that popped in my credit report in the Covid 19 areas collection companies should seize operations during this period. 
I called then to get a verification of debt but havent received it yet and never was sent a collection letter to collect this debt. 
I want this removed immediately from the credit bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, I contacted XXXX XXXX on my cell phone after she made threatening calls to my house, and by calling my mother. The number called for XXXX XXXX with XXXX XXXX  XXXX XXXX XXXX XXXX is XXXX. XXXX XXXX stated she was collecting a debt for HSBC Card Services for the settlement amount of {$500.00}. The amount was paid on XX/XX/XXXX with a fee charge of {$10.00} to charge my husband 's credit card for the payment. Another number that called me was XXXX same person XXXX XXXX allegedly with the same company. After I received via my personal email a confirmation letter to state this debt was paid in full I still received calls from other companies stating I owe a debt to XXXX. The multiple dates range from XXXX-current XX/XX/XXXX. The main one is XXXX  XXXX XXXX calling from various numbers each time : XXXX, XXXX, XXXX, XXXX, XXXX XXXX form XXXX ext. XXXX, XXXX XXXX XXXX. In addition, the company XXXX XXXX called reporting a different amount owed to HSBC on XX/XX/XXXX the person 's name is XXXX XXXX at XXXX ext. XXXX. Another agency is called XXXX XXXX XXXX which they did mail there letter however, the original debt was from XXXX and their number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Account Services Collections, Inc
State: TX

Complaint narrative:
I noticed on my credit report a derogatory mark. When i called the creditor i asked to dispute the debt because i never received a bill. On XX/XX/2020 XXXX from the creditors office stated that this is not a valid reason to dispute medical 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