vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rickart Collection Systems, Inc.
State: NJ

Complaint narrative:
THE COMPANY, RICKART COLLECTIONS SYSTEMS, INC, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION. ACCORDING TO 15 USC 3002 ( 1 ). I AM AN NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX . 15 USC 1692 ( A ) ( 1 ) The term Bureau means the Bureau of Consumer Financial Protection. XXXX, XXXX and XXXX are assumed to be credit bureaus and there is only one Bureau and that is the Consumer Financial Protection Bureau. On XX/XX/1933, Congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that Wheras the holding or dealing in the gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... Are inconsistent with the declared policy of congress in the payment of debts. This resolution declared that any obligation requiring payment in gold or a particular kind of coin or currency, or in a amount in money policy ; and.. .Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public or private debts. 15 USC 1681 ( 3 ) ( E ) ( e ) The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
On XX/XX/2021 eastern account systems reported a collection of XXXX dollars to XXXX, XXXX, and XXXX. This account is not mine and I have no knowledge of it

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have been disputing errors on my credit report on accounts thats reporting inaccurate information on XXXX, equifax and XXXX for last 6-8 months all three reporting bureau are all different with different information. I feel violated and discriminatory by what is being reporting unable to buy home or access credit. I feel its reporting incorrectly because they make money to report inaccurate information and I suffer the consequences. I have disputed information such as 2 XXXX, XXXX, XXXX XXXX account I gave written consent for those companys nor did I ever had dealings with. All inaccuracies thats reporting from three credit bureaus are in violation of my consumer rights. Each time I dispute it comes back as meets guidelines or accurate with no proof. XXXX and XXXX XXXXXXXX listed as charge off with past due balances which inaccurate on all three reporting agency i really feel they are discriminating because I of my demographic I feel like this is being done intentionally. I work hard to keep my credit in order but just want move because of the inaccuracies thats being reported. What is the point to have consumer laws if the reporting agency not abide by them and can do whatever they like to people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with overdraft — Overdraft charges
Company: Netspend Corporation
State: OK

Complaint narrative:
I have had direct deposit to this account biweekly on fridays since XX/XX/XXXX. I have had overdraft availability since XX/XX/XXXX. On XX/XX/XXXX a transaction showed up on my account in error, showing a Charge Off debt of {$140.00}. Stating my account had been negative - {$140.00} for 90 days. That is impossible and not correct. I also received an email saying my overdraft had been Deactivated. I called cust service the next day and explained the situation and the rep said she fixed it and she turned my overdraft back on. It was fine until XX/XX/XXXX when I received another email saying my Overdraft had been Deactivated. And a transaction with Write Off recovery of {$140.00} showed in transactions. I called cust service over the next few days and was told several reasons that made no sense. But ultimately was told that yes, they see Ive had direct deposit to cover any negative balance within 14 days maximum. And that Ive never been negative longer than 14 days, if that. The account has several transactions and deposits showing activity the entire time since XX/XX/XXXX and during incorrect negative claim time period. However they refused to remove these incorrect transactions and told me my overdraft is suspended for 6 months because they dont like the way I use it and they have the right to take it away at any time with no notice.

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 2021-11-15 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: MD

Complaint narrative:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: LA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on XXXX XXXX  XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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: NV

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my credit report : CAPITAL ONE BANK USA N XXXX Date Opened : XX/XX/2016 Balance {$6300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: TN

Complaint narrative:
I applied for an Apple credit card through Goldman Sachs Bank USA on XX/XX/2021, and my application was denied. I was discouraged and discriminated against through their application process. Their institution did it against my will. I do not agree with their decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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: GA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This company is currently showing 30 days late for the month of XX/XX/2018. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AUTOMOTIVE CREDIT CORPORATION
State: FL

Complaint narrative:
Hello, I am showing a hard inquiry on my credit report from AUTOMOTIVE CREDIT CORP I have not been to a dealership/car lot to purchase a vehicle, and I certainty have not given anyone permission to use my information, nor agreed to co-sign for anyone. Please investigate into this a remove if possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In XX/XX/2017 a delinquent balance was reported to all credit bureaus of XXXX dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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: Exeter Finance, LLC.
State: AL

Complaint narrative:
I have been writing to Exeter Financial and the credit reporting agencies for months disputing the incorrect reporting that Exeter has put on my credit reports. Exeter is reporting late payments for months after my account with them was paid in full and closed. I received letters from Exeter stating that they are not willing to change their reporting on my credit report. This letter was sent certified mail with tracking # XXXX. I tracked the letter sent to Exeter to be sure that they received it. I have written to Exeter 's dispute dept, XXXX XXXX XXXX ( CEO ), XXXX XXXX ( President & COO ), and XXXX XXXX ( XXXX ). Exeter absolutely refused to correct their reporting of this account. I have all the letters that i sent to them and all of the letters that they sent back stating that they would not correct their listing on my credit report. Under the Fair Credit Act this is illegal reporting and bad business practice. 

I have disputed this with XXXX, XXXX, and XXXX. I only get letters from all the agencies stating that the listing has been investigated and it is an accurate reporting. I know that this has not been investigated because it is clearly reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
The company Portfolio Recovery purchased a debt from another company and I had no involvement with this transaction. As a natural person pursuant to 15 USC 3002 I, XXXX XXXX am a consumer and am not in charge of this name in all caps. Pursuant to 15 USC 1692b2 this company has reported that I owe them {$450.00} via the three credit reporting agencies ( XXXX XXXX and XXXX ) which is a direct violation. 15 USC 1681 states that the only ways information could be furnished in a credit report is by court order or with a consumers written consent and in this case neither was furnished. Also on XX/XX/1933 congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declaration that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency, or in an amount in money policy ; and ... every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment legal tender for public and private debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Trident Asset Management, L.L.C.
State: AL

Complaint narrative:
I received a letter from Trident Asset Management stating that they sold the account that I previous filed a complaint on with the CFPB. In the letter that was sent to me it says that the account was sold to XXXX XXXX XXXX XXXX XXXX. It fails to inform me that I have the right to dispute, It fails to inform me of the date that XXXX purchased the debt, It failed to inform me that I have the right to request validation for the assumed debt. The letter sent to me only informs me of the original creditor, the original creditors account number, current credit who owns the account now, balance due, and Trident Acc number. The information that is required by law is left out. 
The letter was written on XX/XX/2021 so I can only assume that the account was sold to XXXX on or before XX/XX/2021. Trident/Orion had to have a letter mailed out to me within ( 5 ) days after XXXX purchased the account with the necessary information included in the letter that is required by federal law. I previously filed a complaint with the CFPB about this account requesting that the account was not being validated by Trident, I never received a validation, instead they sold the account to their sister company named XXXX XXXX XXXX XXXX XXXX. 
It is now past the ( 5 ) day window allowed by federal law and the Fair Credit Reporting Act and other government entities that set forth and enforce these laws and regulations that has to be followed. 
I have requested for debt validation numerous times and Trident has refused to validate the assumed debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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: VA

Complaint narrative:
I have told Experian several time that this account : XXXX XXXX XXXX XXXX ( closed ) for {$24000.00}, is NOT mine. XXXX XXXX got it and put my information to co-sign without my permission. You guys have even removed it before then put it back on. Please remove 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 2021-11-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

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 2021-11-15 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: CA

Complaint narrative:
The Consumer Protection Bureau and Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Experian has failed over four times to investigate incorrect items on my credit report. 
There is two incorrect information on my credit file which is 2 bankruptcy which is impossible for somebody to file to bankruptcy. I have a XXXX XXXX in Experian and am aware of that and they are failing to investigate the incorrect information and remove it from my credit report. I have sent them 3 registered letters and I have tried to dispute it online but no 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 2021-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In XXXX of year 2017 a delinquent balance of XXXX was reported to the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In the month of XXXX in the year 2017 a balance of XXXX was reported as delinquent to all the credit reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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: IL

Complaint narrative:
Ive been a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This account is inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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: EQUIFAX, INC.
State: OK

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The XXXX XXXX XXXX has not complied with the XXXX XXXX XXXX XXXX, XXXX USC Sections XXXXi within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update from reporting. XXXX XXXX-Balance {$2000.00} XXXX XXXX-Balance {$2000.00} XXXX XXXX-Balance {$1200.00} XXXX XXXX-Balance {$1200.00} XXXX XXXX-Balance {$4100.00} XXXX XXXX-Balance {$3300.00} XXXX XXXX-Balance {$5000.00} XXXX XXXX-Balance {$4100.00} XXXX XXXX-Balance {$2500.00} XXXX XXXX-Balance {$6600.00}

Company response to consumer: Closed with explanation