vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Maury Cobb, Attorney at Law, LLC
State: OH

Complaint narrative:
THIS IS A REQUEST FOR ACCOUNT CHAIN OF TITLE/OWNERSHIP VERIFICATION OF DEBT. 
RE : MAURY COBB ATTY AT LAW/ XXXX XXXX  XXXX # XXXX To whom it may concern this is the 3rd or 4th Debt collection agency attempting to collect a debt that has never been verified, never sent noticed before placing it on my credit file violation of both FDCPA & FRCA FEDERAL LAWS. This account has been illegally re-aged 4 time prior to landing in the current office database of MAURY COBBATTORNEY AT LAW LLC. XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX. 
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 assignability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab into. 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, UnderOHIO 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. PLEASE DELETE THIS FILE AT ONCE. IT HAS BEEN IN DISPUTE SINCE XX/XX/XXXX BEFORE IT WAS TRANSFERRED TO THE COBB LAW OFFICE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: NY

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
on XX/XX/2021, i sent a letter to the creditor disputing an unauthorized inquiry made on my account. I would now like to take legal action if this fraudulent item isnt removed from my credit report because its having a major negative effect on my current score. The failure to provide investigation results after 60 deems violation of the fair credit reporting act and must now be removed. thank you for your help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-30 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: GA

Complaint narrative:
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS  YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: OH

Complaint narrative:
THIS IS A REQUEST FOR AN ACCOUNT CHAIN OF TITLE/OWNERSHIP VERIFICATION OF DEBT. RE : I C SYSTEMS / XXXX XXXX XXXX XXXX To whom it may concern this is the 3rd or 4th Debt collection agency attempting to collect a debt that has never been verified, never sent noticed before placing it on my credit file violation of both FDCPA & FRCA FEDERAL LAWS. This account has been illegally re-aged 4time prior to landing in the current office database of XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX. 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 assignability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab into. 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, UnderOHIO LAW U.C.C 1319.12Taking 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. PLEASE DELETE THIS FILE ONCE. IT HAS BEEN IN DISPUTE SINCE XX/XX/XXXX BEFORE IT WAS TRANSFERRED TO THE I C SYSTEMS.

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 2021-07-30 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:
XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX - permissible purposes of consumer reports ( a ) in general Subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other ( XXXX ) In accordance with the written instructions of the consumer to whom it relates I, XXXX XXXX, never gave you any written consent to include any of this information to my consumer report. 


XXXX XXXX, BEST B Inquiry : XXXX XXXX, 2020 As a consumer by law these inquiries on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state pursuant to XXXX XXXX XXXX, also Ive XXXX involved and sent this letter to the CFPB, attorneys general XXXX and the better business bureau and Federal Trade commission XXXX 

PLEASE MAIL ME AN UPDATED CREDIT REPORT SHOWING THE REMOVAL OF THESE INQUIRIES

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SOUTHWEST COLLECTION SERVICES INC.
State: CA

Complaint narrative:
Fraudulent account. Opened without my knowledge, consent or authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I sent validation letters for this debt and the collection company along with XXXX  did not provide proper documentation for the debt. The debt was removed from my credit report in XX/XX/2020 and now it is back on in XXXX by the same company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: GA

Complaint narrative:
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX XXXX BREACH AND XXXX HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
I received an email from XXXX on XX/XX/2021, informing me that I am all set to earn XXXX additional points on everyday purchases ( earn an additional XXXX points for every {$1.00} spent on grocery store, drug store, and restaurant purchases, up to XXXX points, from XX/XX/2021 to XX/XX/2021, plus earn an additional XXXX points if you spend at least {$3000.00} on purchases from XX/XX/2021 to XX/XX/2021 XXXX. 

The email did not provide me any link or option to activate the offer. The offer says Youre all set When I called XXXX on XX/XX/2021, to inquire about this offer I was told by the representative that I needed to activate this offer prior to XX/XX/2021. I explained that I never received any emails informing me about this offer until XX/XX/2021. How can I activate an offer I was not aware of? 

After reviewing my account, the representative stated that he does not even see this offer on my account ( which further proves that I did not receive any emails to activate this offer ) and yet I received an email telling me that I am all set to earn XXXX additional points. The email expressly states that the advertisement/solicitation was intended for me. 

I would have loved to activate this offer especially since I just started using my XXXX card again and made purchases totaling more than {$3000.00} from XX/XX/2021 to XX/XX/2021 XXXX promotional period ), which would have qualified me for the additional XXXX points. 

I sent XXXX a detailed letter with a copy of the email included and respectfully requested that they review my account and confirm that I was never given an opportunity to activate this offer. If I had, I would have activated this offer and been qualified to earn an additional XXXX points based on my spending of over {$3000.00} from XX/XX/2021 to XX/XX/2021. I further asked that after they confirm that I was never given the opportunity to activate the offer, and that I had spent the qualified amount, to please give me the additional XXXX points that I believed was fair for me to receive based on the advertisement/solicitation I received. 

In response, XXXX sent me a generic letter stating : " We are currently unable to complete your request. '' I would XXXX to honor the advertisement/solicitation that the email expressly states was intended for me.

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 2021-07-30 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: MO

Complaint narrative:
My idenity has been compromised and now looking at my credit file, I see a lot of accounts on there thats unfamiliar, unknown and unauthorized by me. So these following accounts are fraudently placed on my report. Im demanding these accounts be removed immediately. 

1. Acct XXXX XXXX {$170.00} 2. Acct. XXXX XXXX {$170.00} 3. XXXX XXXX XXXX - XXXX 4. XXXX XXXX {$2100.00} 5. XXXX XXXX {$2100.00} 6. XXXX XXXX {$790.00} 7. XXXX {$180.00} 8. XXXX {$370.00} 9. XXXX XXXX XXXX  {$800.00} 10. XXXX XXXX {$710.00} 11. XXXX XXXX {$2100.00}

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 2021-07-30 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: NC

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Designed Receivable Solutions, Inc.
State: CA

Complaint narrative:
Fraudulent accounts. Opened without my knowledge, consent, or authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: CCS Financial Services, Inc.
State: CA

Complaint narrative:
Credit Collection Services is reporting an account that is fraudulent to the credit bureaus. I do not owe money to their client XXXX. I have never owned a property in XXXX XXXX, CA that required services from XXXX. CCS, nor XXXX has never contacted me about said debt. This account is bogus.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: LEXISNEXIS
State: NC

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: ID Analytics, Inc.
State: NC

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: IL

Complaint narrative:
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX XXXX BREACH AND XXXX HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: CA

Complaint narrative:
XXXX XXXX XXXX is reporting a fraudulent account XXXX {$270.00} on my credit files. I have filed a cfpb complaint against XXXX and uploaded the FTC Report # XXXX for their records. Also, attached is my license, utility bill, and ssn card to verify and process my block and delete request of this fraudulent account. There are fraudulent inquiries as well on TransUnion and XXXX  that are list in the FTC report. I have never had any business relationship with XXXX XXXX XXXX or the original creditor.

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 2021-07-30 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Ct XXXX CA XXXX ATTN : I am reaching out to your company because there are fraudulent inquiries on my credit report. 

Pursuant to XXXX Permissible purposes of consumer reports I also never gave you any written consent to report anything on my consumer report. 

By law these inquiries on this letter must be deleted immediately Under XXXX XXXX XXXX XXXX permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
No consent is IDENTITY THEFT! 

XXXX XXXX : XXXX XXXX, XXXX FACTUAL DATA Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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:
Called multiple times after submitting disputes for the same items involving identity theft. Uploaded multiple copies of FTC report obtained from from the Idtheft.gov website. Was told each time Experian was unable to validate the report. I explained that the report was downloaded from the correct website and then uploaded directly to Experian. Each time I was told to start the process all over again, do exactly what I had done before, hoping each time they were able to finally validate my dispute. I finally asked for a supervisor. She told me they had checked the report with the FTC and they said it wasnt a valid report! How could this be?! One of the reports was filed over the phone with them directly. I asked the supervisor if there was some way to figure out how to rectify the problem. She tells me to call the FTC, file another report, and do the exact same thing again. At this point I realize it would be best for me to contact the FTC and see if they can help me. I asked the supervisor for her name and employee number or some way to identify her. She tells me she put it in the internal notes of my file. I then explain that I would like the information for myself so that when I call and explain the situation to the FTC, I can tell them who I spoke with. The supervisor then advised me that if that was the case, she would no longer speak with me and hung up. Im still at a loss for words on just how bad the customer service was even from management.

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 2021-07-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: MO

Complaint narrative:
My idenity has been compromised and now looking at my credit file, I see a lot of accounts on there thats unfamiliar, unknown and unauthorized by me. So these following accounts are fraudently placed on my report. Im demanding these accounts be removed immediately. 

1. Acct XXXX XXXX {$170.00} 2. Acct. XXXX XXXX {$170.00} 3. XXXX XXXX XXXX - XXXX 4. XXXX XXXX {$2100.00} 5. XXXX XXXX {$2100.00} 6. XXXX XXXX {$790.00} 7. XXXX {$180.00} 8. XXXX {$370.00} 9. XXXX XXXX XXXX  {$800.00} 10. XXXX XXXX {$710.00} 11. XXXX XXXX {$2100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: MO

Complaint narrative:
My idenity has been compromised and now looking at my credit file, I see a lot of accounts on there thats unfamiliar, unknown and unauthorized by me. So these following accounts are fraudently placed on my report. Im demanding these accounts be removed immediately.

1. XXXX XXXX XXXX {$170.00} 2. XXXX XXXX XXXX {$170.00} 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$2100.00} 5. XXXX XXXX {$2100.00} 6. XXXX XXXXd {$790.00} 7. XXXX {$180.00} 8. XXXX {$370.00} 9. XXXX XXXX XXXX {$800.00} 10. XXXX XXXX {$710.00} 11. XXXX XXXX {$2100.00}

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