vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-03 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XX/XX/1979 I AM REQUESTING A PROOF OF CLAIM DUE TO FRAUDULENT ACTIVITIES ON MY CREDIT FILE. I REQUEST THE FOLLOWING ACCOUNT SEND ME LEGAL DOCUMETATIONS : XXXX XXXX  # XXXX, XXXX XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX, XXXX # XXXXXXXX XXXX XXXX XXXX # XXXX. 
This is this complaint is submitted Under OHIO LAW U.C.C1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill , or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XX/XX/1979 I AM REQUESTING A PROOF OF CLAIM DUE TO FRAUDULENT ACTIVITIES ON MY CREDIT FILE. I REQUEST THE FOLLOWING ACCOUNT SEND ME LEGAL DOCUMETATIONS : XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX, XXXX # XXXX XXXX XXXX XXXX # XXXX. 
This is this complaint is submitted Under OHIO LAW U.C.C1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill , or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.

Company public response: Company 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 2021-06-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
On XX/XX/2021 my Victoria 's Secret Credit Card account through Commenity Bank was overpaid by {$1000.00}. I realized what had happened on XX/XX/2021 and immediately requested a refund in writing. I was told on XX/XX/2021 that the refund requested had been submitted and the refund should reflect in my bank account within 3-5 business days. On XX/XX/2021 I contacted Commenity Bank again when the refund did not reflect in either my credit card account or bank account. At this time I was told that it had to be approved by accounting first, which could take 7 days, then after that it should reflect in my checking account in another 3-5 business days. Today,XX/XX/2021, I contacted the credit card company again. I was told that, " Due to the amount of this refund check, the refund request itself is still being reviewed and this can take up to 30 days. Once the refund request has posted to this account, the funds should show up in your checking account within three to five business days. '' At this time I informed them that I would be filing a formal complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mountain Run Solutions, LLC
State: FL

Complaint narrative:
Your company Mountain Run Solutions , LLC. is inaccurately reporting on my credit file on all 3 bureaus, wish is a violations of the ( FCRA ). I have asked them several times to send me validation of the debt and they refuse to do so, which I the consumer have the rights to obtain all information that I ask for including, original contract with pen signature charges with interest, fees, dates of all pymts, dates of payments posted, posted by, please included the license provided at time of " service '' please verify letters that you've send and also its reporting joint which is invalid. I have had enough of dealing with this. It's causing distress to keep having to put time and effort into writing your company that is legally not responding to me per the ( FDCP ). Your company is a debt buyer and has multiple dozens of lawsuits of inaccurately reporting accounts and information. This will be my last and final warning of the errors on my credit report that you will be help liable for per each one of those violations. I have contacted all 3 credit bureau 's as well over the last year multiple times and you guys are not sending them any of the information neither along with reporting your incorrect balances. I demand that you remove these from all 3 of my credits reports immediately.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: U.S. BANCORP
State: CA

Complaint narrative:
I leased a new vehicle from XXXX XXXX XXXX on XX/XX/XXXX. Part of the deal was a trade-in of my XXXX. The XXXX was leased by me from US Bank on XX/XX/XXXX for 4 years. The XXXX lease had not yet run out and there was some residual due. I have received monthly statements from US Bank every month since then demanding that I make the lease payments and claiming that more than {$20000.00} is now due and owing. The lease should have been paid off or, in some way, handled by XXXX XXXX XXXX but it has not been. I have spoken to US Bank on more than one occasion and explained that the XXXX is now owned by XXXX XXXX XXXX but they continue to send me the monthly dunning notices. The most recent dun from US Bank is threatening to send the debt to Collection and US Bank is now adding late payments to the lease payment. My husband complained about these same facts ( Complaint XXXX ) and the CFPB informs us that US Bank claims not to know who he is, although we share the same last name and address and from my credit report they can easily determine that he is my husband. The refusal to respond to his complaint by claiming not to know who he is is simply another evasion and tactic to put more pressure on the consumer. The attachments include my husband 's emails to XXXX XXXX XXXX to try to get them to honor the deal they made. Also attached are the monthly lease statements we have continued to receive from US Bank. Also attached is the lease I signed with XXXX XXXX XXXX on XX/XX/XXXX : the trade-in was a part of that deal.

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 2021-06-03 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my report. To this day over 60 days later. I have not received a response yet. 
I have written several letters concerning the negative accounts on my report. I never owned any of the accounts listed below. I filed a complaint on XX/XX/2021 with CFBP, still nothing was done to fox the issue. I also filed an Identity Theft report on XX/XX/2021. My report number is XXXX. I sent in all documents along with my police report several times. I sent in proof of my Identity, notarized all my mail. Please delete the account immediately. Section 611 it is plainly stated that a failure to investigation. These items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me. My information was also impacted by the Equifax data breach and many have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Webcollex, LLC
State: TX

Complaint narrative:
CKS financial closed the account and sold it back to original creditor. Please remove from my credit file.

See attached letter from CKS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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: EQUIFAX, INC.
State: GA

Complaint narrative:
This is not a duplicate complaint. Please review further. I have sent a letter to investigate 10 inaccurate public records on XX/XX/2021. I have attached the letters to all three credit bureaus. I have not received a response from this letter as of yet and its been over a 30 day period, per FCRA. Please remove immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I didn't know about this judgement. Never received a notice. However, I was never severed by mail, I wasn't residing in the State of Michigan for the past 5 years. The debt, must be a charge off creditor. However, The stature of limitations has been longer than 7 years, of no payment or contact, by mail and or phone. Time barred account. They took my income tax, I filed with the state of Michigan. This is a ROGE collection company. Looked up their history, in doing business with people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC
State: VA

Complaint narrative:
In XXXX of XXXX, I received a letter stating that I owed money so I requested verification of the debt from XXXX XXXXe group harassing me and saying I owe this money back from XX/XX/XXXX. I specifically asked for verification with specific charges, merchants, and dates. Instead, on XX/XX/XXXX, I received a letter from " CAVALRY SPV I , LLC, '' which showed XXXX  XXXX, the date of XXXX XXXX - XXXX XXXX, XXXX, with no transactions listed. Only my name and a past due balance. But Cavalry 's letter said that the open date of the charge card was : XX/XX/XXXX. The charge-off date is listed as XX/XX/XXXX, with the amount of the debt owed is {$2700.00}. However, the new balance listed on the XXXX XXXX card is {$2800.00}. Credit card companies are not stupid and generally ad on fees, they do not subtract monies. Also, it's kind of strange that they couldn't produce any of the merchants or transactions that I asked them to verify. 
I don't know nor have I ever heard of Cavalry but I know this account from XXXX was paid and closed in XXXX. I find it a shame this company is trying to defraud me for my hard-earned money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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: TX

Complaint narrative:
Inaccurate information has been listed on my credit report. I am being taken advantage of due to malpractice, while several laws were being broken under the FCRA by your company. This has caused me financial injury and defamation of character. I can not get a job or apply for credit. I am restricted from receiving aid such as SBA loans due to the pandemic due to the negligent, erroneous mistakes made by your company. I have also sent multiple letters to your company regarding this issue, and have received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
My identity was recently stolen. I am attempting to freeze my credit to prevent further damage. On XX/XX/21, I was able to freeze my credit with two of the major credit reporting companies but not Experian. I attempted to freeze it online and failed due to a website error. I tried this multiple times. I attempted to call the customer service and it just redirected me to to the website. It is literally impossible to talk to a live person. I tried every number on their website. I attempted to email the help center listed on the website and my email was returned because it was not a valid email address. I currently have no way to contact Experian and no way to freeze my credit with them.

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 2021-06-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Inaccurate information has been listed on my credit report. I am being taken advantage of due to malpractice, while several laws were being broken under the FCRA by your company. This has caused me financial injury and defamation of character. I can not get a job or apply for credit. I am restricted from receiving aid such as SBA loans due to the pandemic due to the negligent, erroneous mistakes made by your company. I have also sent multiple letters to your company regarding this issue, and have received no response.

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 2021-06-03 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: EQUIFAX, INC.
State: CA

Complaint narrative:
To get Equifax to properly classify item below XX/XX/XXXX on my Equifax Credit profile. 
XXXX XXXX XXXX| xxxxx XXXX {$17000.00} 87 % Reported Balance Credit Utilization Now showing on my credit profile with them as a revolving account, to an installment account. Removing it from the revolving account classification once and for all. 

Equifax Im told has some Excuse or Rule that if the interest rate is below a certain percentage they classify it as a revolving account. Or at least that is the way I understood it. 

From XX/XX/XXXX thru XX/XX/XXXX My credit Union has had numerous conversations with them as well as a personal call from me and written communication to get them put it in its proper classification. It is destroying my credit utilization profile and ruining my chances at good credit. It is a fixed loan amount with a fixed monthly payment therefore meets the requirements of an installment account, as one of their supervisors revealed to me its obviously an installment account over the phone.

Both XXXX & XXXX are showing the account correctly. 

They did put the XXXX XXXX XXXX Account Now at {$17000.00} balance in its proper classification around XX/XX/XXXX but it only lasted a month and reappeared in XX/XX/XXXX. Unfortunately, I informed my Credit Union that the problem was solved at that time and they may have I fear, quit pursuing the fix. 

You would think with all the issues and breaches they ( Equifax ) have had they would endeavor to make themselves not only a little more consumer friendly but accurate. Still to date I have not received any of the services promised to me because of their data breach. But that is another story.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On my Citibank credit card, I had 2 balance transfer offers with different rates. Offer 6 had an interest rate of 0.99 % which expired on XX/XX/XXXX and was transferred on XX/XX/XXXX to the Standard Purchase rate of 19.99 %. Offer 5 had an interest rate of 1.99 % which does not expire until XX/XX/2022. The minimum payment due on XX/XX/XXXX was {$130.00}. When payments were made on XX/XX/XXXX and XXXX, the minimum payment due should have been applied first to any interest due, then to the lower interest rate balance of Offer 5. The remainder of the payments should have been applied first to the balance with the higher APR, which was the standard purchase balance from Offer 6. Another payment was made on XX/XX/XXXX, which should have been applied in the same way and would have paid off the standard purchase balance from Offer 6. For some reason Citibank transferred the balance of Offer 5, which was not supposed to expire until XX/XX/2022, to the standard purchase rate. There is no record of that transfer on either my XXXX or XXXX statement, as there is for the transfer of Offer 6. I am uploading copies of the letters I sent to Citibank and the letter and statements I received in reply.

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 2021-06-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is not a duplicate complaint. Please review further. I have sent a letter to investigate 10 inaccurate public records on XX/XX/2021. I have attached the letters to all three credit bureaus. I have not received a response from this letter as of yet and its been over a 30 day period, per FCRA. Please remove immediately.

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 2021-06-03 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: GA

Complaint narrative:
This is not a duplicate complaint. Please review further. I have sent a letter to investigate 10 inaccurate public records on XX/XX/2021. I have attached the letters to all three credit bureaus. I have not received a response from this letter as of yet and its been over a 30 day period, per FCRA. Please remove immediately.

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