vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-03 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: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
Been threatened multiple times of lawsuits. Challenged multiple times the debt for accuracy never received any kind of documentation stating that these debts are mine. Try to make a deal with one of the companies followed my end of the bargain they did not follow theirs. Even the ones that resulted in the deletion on my credit somehow reappear. These companies are definitely violating the rules.

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 2021-08-03 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC
State: FL

Complaint narrative:
This is a car that I purchased for my child and what she hit a XXXX. The insurance paid off most of the debt and I contacted them to pay off the rest I settled for a less amount and paid over half of the amount. This that was not even theirs it was to a totally different company that went out of business. They did not follow through with their part of the bargain and remove this from my credit.

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 2021-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ECMC GROUP, INC.
State: TX

Complaint narrative:
These are not my accounts i also asked the company can they please send validation of the debt and they could not provide me with the information

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 2021-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I made a payment settlement to my charged off credit card account. I would like this updated on my credit repot ASAP as I am trying to open a bank account and buy a car in a timely manner. Your timely response is very much appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
i contacted this company about this issue i also asked them to validate the debt they refused this is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
XXXX XXXX Student Loan on my Experian Credit Report Has is outdated and as per FCRA guideline it should have been removed of my credit in XX/XX/2021 but it is still on my credit. I have spoken to agents at Experian several times and they have been unwilling to delete this from my credit report. I have also contacted XXXX XXXX to stop reporting it to my credit report but they have also been unwilling to cooperate and are bent on continuing to violate my rights. 
As you will notice in the attached documents. XXXX XXXX willfully and intentionally reported inaccurate information about the initial date of delinquency in an attempt to circumvent the law and try to keep reporting this loan on my credit report longer than the law allows them to and this has hurt me financially for every month it was reported on my credit report beyond the 7 years the law allow it to be reported

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 2021-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Ive contacted this company on several occasions this is not my account i also asked them can they validate the debt they have not this is not my account

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 2021-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: TX

Complaint narrative:
Ive contacted this company on several occasions this is not my account i also asked them can they validate the debt they have not this is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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:
The items I need removed are listed in the report. I am a victim of identity theft and did not apply or open any of these accounts. I ask that the items be removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 

You Violated The United States Code Law 15 U.S. Code 1681b. I never gave you any written consent to report anything on my consumer report. 15 U.S. Code 1692g - Validation of debts ( You were to notify me of this in writing 5 days prior and as the original creditor, Im the only one that can validate this debt. I DO NOT validate this debt ). According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Which you have failed to do so which is a VIOLATION.

I have not supplied proof under the doctrine by silence Engelhart v Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exist.

It has been well over 30 days and i have not recieved a response. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be REMOVED and if you are unable to provide me a copy of verifiable proof, you must remove this account. Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any documents/evidence I demand this following accounts be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Hard credit inquiry to my account without any open accounts or any applications to my name initiated by me for credit by capital one bank. 
Made within past 6 mo. 2021 ( might have been XXXX, I cant remember ). Hard inquiry impacting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Zip Co US Inc.
State: OH

Complaint narrative:
I've been attempting to reach someone at quadpay whom can help me for months. 4 months after first attempt I received response regarding late fees. They are taking way too many payments for accounts already paid or from multiple accounts..

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION

Complaint narrative:
I have received 2 emails from the bank, stating that my online banking access has been processed, and that my email address has been changed, respectively. Both transactions were NOT initiated by me. 
I have called the bank. For the online access I have received a reference number and the assurance that online access has been blocked. For the email address, the back refused to revert the fraudulent change, for reasons which I not fully understand. 
I am concerned that the fraudsters will try again and be able to access my account, whilst I am not able to prevent 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 non-monetary relief
Consumer complaint received 2021-08-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
My name is XXXX and my mother XXXX is assisting me with writing this letter. On XX/XX/2021 my mom was going out of town and gave me a debit card with {$50.00} on it for snacks. I had my card for a short while before I lost it.. I wrote my pin number on my card because I have a very poor memory. I have a low XXXX and I'm on an XXXX for school. I still have not graduated from high school and I am over XXXX years old. I have an XXXX of only XXXX. I did not tell my mother that I lost my card because I was embarrassed. My mom Nor myself did not know that this card was also connected to my savings. Someone must have found my card with my pin number on it and they took out XXXX XXXXXXXX dollars between XX/XX/XXXX and XX/XX/XXXX. The bank never notified me nor my mother of all the activity going on with my card.. Unfortunately {$4500.00} was taken. I have never given permission or received any money or merchandise from a merchant related to these charges. Navy Federal Credit Union has denied my claim of fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-03 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Hard credit inquiry to my account without any open accounts or any applications to my name initiated by me for credit by XXXX XXXX XXXXMade within past XXXX mo. 2021 ( might have been XXXX, I cant remember ). Hard inquiry impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
Ive contacted this company on several occasions this is not my account i also asked them can they validate the debt they have not this is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Ive contacted this company on several occasions this is not my account i also asked them can they validate the debt they have not this is not my account

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 2021-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Ive contacted this company on several occasions this is not my account i also asked them can they validate the debt they have not this is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
Currently living overseas and I would like to access my credit reports from all credit reporting agencies. For some reason, whenever I request a free credit report from websites such as XXXX XXXX XXXX, I receive the following message " The XXXX  website is not currently available at your location. '' Not sure why but I tried multiple sites with the same request and got the same response. 
How can I get my credit reports while living abroad? Many thanks for your help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC
State: NJ

Complaint narrative:
I looked on my credit report and noticed that there is alleged debt that hasn't been validated placed on my credit report. I do not owe any debt and this alleged debt is being advertised on my credit report to force me to pay this alleged debt. This debt collector is civilly and criminally in violation of the FDCPA laws. I have attached documents in hope to get this issue resolved or I will be seeking litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: 1st Franklin Financial Corporation
State: LA

Complaint narrative:
I believe I made an inaccurate reporting dispute XXXX XXXX need help see credit score please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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:
The items I need removed are listed in the report. I am a victim of identity theft and did not apply or open any of these accounts. I ask that the items be removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 

You Violated The United States Code Law 15 U.S. Code 1681b. I never gave you any written consent to report anything on my consumer report. 15 U.S. Code 1692g - Validation of debts ( You were to notify me of this in writing 5 days prior and as the original creditor, Im the only one that can validate this debt. I DO NOT validate this debt ). According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Which you have failed to do so which is a VIOLATION. 
I have not supplied proof under the doctrine by silence Engelhart v Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exist. 
It has been well over 30 days and i have not recieved a response. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be REMOVED and if you are unable to provide me a copy of verifiable proof, you must remove this account. Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any documents/evidence I demand this following accounts be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: AR

Complaint narrative:
Pursuant to 15 USC 1681 ( a ) ( 4 ), 15 USC 1681b ( a ) ( 2 ), and 15 USC 1681a ( e ) Equifax is in violation of 15 USC 1681 Fair Credit Reporting Act which are federally protected consumer rights.

Equifax has violated 15 USC 1681 ( a ) ( 4 ) which states that Accuracy and fairness of credit reporting. The Congress makes the following findings there is a need to insure that the consumer reporting agencies exercise their grave responsibilities with the fairness, impartiality, and respect for the consumers right to privacy. I the consumer have a right to privacy which means Equifax has violated this by reporting these inaccurate accounts on my consumer report.

Equifax has violated 15 USC 1681b ( a ) ( 2 ) which states that ( a ) In General Subject to subsection ( c ), anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : ( 2 ) In accordance with the written instructions of theconsumerto whom it relates. I the consumer never gave Equifax any written consent to report anything on my consumer report. No consent is Identity Theft. 

Equifax has violated 15 USC 1681a ( e ) which states that The term investigative consumer report means aconsumer reportor portion thereof in which information on aconsumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of theconsumerreported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on aconsumerscreditrecord obtained directly from acreditorof theconsumeror from aconsumer reporting agencywhen such information was obtained directly from acreditorof theconsumeror from theconsumer. I the consumer would like to state that Equifax has not personally interview neighbors, friends, associates or any else who knows about my character, general reputation or personal characteristic or mode of living. I also want to notify Equifax that there is personal information from the creditor on my consumer report which is also a violation. 

I have enclose the documents for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: AMERICAN EXPRESS COMPANY
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