vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-14 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: CITIZENS FINANCIAL GROUP, INC.
State: VA

Complaint narrative:
Complaint # XXXX previously submitted is NOT closed or solved. Please reopen this case. THIS CASE IS STILL NOT RESOLVED. 

There is still major problems going on with my loan closing and I am still being reported as having a delinquent account as well as my payment being returned to me, again. This is the the third payment that has been returned to me and there is no resolution or access to my account online as of today. Documents are signed and notarized. XXXX has been closed. This bank has us financially XXXX. We still can not obtain a loan for XXXX XXXX XXXX plans this year and we still can not get a loan on a car that we need badly due to the fact that this bank has reported us over and over for nearly a year as delinquent. All Citizens bank parties are confused and never give me the same information. No one seems to understand why my loan is not allowing me to make payments or that I still have delinquent reporting. It seems almost as if there are XXXX loans in my name. PLEASE REOPEN THIS CASE. It is not over.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
On XX/XX/XXXX, I ordered an XXXX video game system from XXXX using the XXXX XXXX XXXX XXXX XXXX, which is a payment plan where you pay a monthly fee over 2 years to pay off the XXXX and get access to their subscription service ( it's like a phone plan ). I received the XXXX, but it stopped working within a few days. XXXX had no replacements available so I had to return it. I mailed the device back on XX/XX/XXXX, which was confirmed by XXXX. On XX/XX/XXXX, I received an e-mail asking from XXXX XXXX ( which administers the XXXX XXXX XXXX ) asking for payment. I called them and explained the account was cancelled, and sent them documentation vial e-mail on XX/XX/XXXX. On XX/XX/XXXX, I received a statement showing no balance was due. 

On XX/XX/XXXX, I received alerts from my credit card companies that my credit score had declined significantly. I checked online and saw that XXXX and Transunion said that I had a delinquent account from XXXX XXXX XXXX, reported in XX/XX/XXXX ; I checked the details, and it doesn't indicate any amount due and doesn't say missed payments or anything like that. I filed disputes with Transunion and XXXX, but I have not heard anything. I've been trying to call XXXX XXXX XXXX, but the people I've talked to don't know how to fix this. My credit score has gone down by XXXX points for literally no reason!

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 2023-01-14 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: MI

Complaint narrative:
On XXXX XXXX 2022 I submitted complaint CFPB XXXX which outlined that a collections agent had ceased collection on an account effective XXXX XXXX 2022. I provided a copy of the statement given by the collections agent in CFPB complaint XXXX. The statement is clear in that is states the collections agent " has ceased all collection efforts. '' It is even highlighted in the response. Despite having this documentation, Experian insists that a dispute was received in XXXX and the collections agent verified the account is under collection with the collections agent and thus the item can not be removed from my credit file. It is likely Experian is using the automatic verification through eOSCAR, rather than conducting any sort of investigation. Even more ridiculous is that at least XXXX other CRA conducted an investiation and removed the collection item based both on the documentation I provided AND the response received from the collections agent. In addition to the response from the collections agent in XXXX. In prior complaints, such as XXXX I provided documentation indicating the collections agent is NOT licensed to collect in my state and is currently under investigation by the state licensing agency. To that documentation I also submitted the XXXX XXXX opinion on WHAT constitutes collection activity, ie activity that in my state would require licensure. That opinion was quite clear in that a collections agent that submits items to be included in a consumer 's credit file constitutes communication in collection of an alleged debt, Because reporting a debt to a credit reporting agency can be seen as a communication in connection with the collection of a debt, the reporting of such a debt in violation of the provisions of 1692e ( 8 ) can subject a debt collector to liability under the FDCPA. Sullivan v. Equifax Inc., Civil Action No. 01-4336, ( E.D. Pa. Apr. 19, 2002 ). My state requires that collections agents both register as foreign entities if they are not organized/incorporated within my state, and additionally requires them to be licensed by the state agency that regulates collections activity in my state ( see MCL 339.019 ( 1 ) ( b ) ). Again, the documentation I provided showed both the initiation of an investigation AND the state records indicating the collections agent is not licensed within my state to collect on alleged debt. Based on all the documentation provided, XXXX knows, or should know that the collection item in my credit file is invalid. As consequence XXXX is in violation of 15 U.S.C. 1681.

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 2023-01-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: FC HoldCo LLC
State: UT

Complaint narrative:
For the past week Ive been getting calls from this company that is XXXX XXXX XXXX and they are saying they are going to repot my truck and this was on XXXX so I set up to pay them through XXXX XXXX and they gave me all the numbers so I could do it by XXXX, so I went in on that day and put in the numbers they gave me and paid the money and then today XXXX I get another call stating they dont have the money and are going to take my vehicle once again, but on the XXXX XXXX side it says it went through and all the numbers are the same.

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 2023-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Allied Collection Services, Inc. (Nevada)
State: AZ

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Allied Collection Services , Inc., for committing identity theft. I have never given Allied Collection Services , IncXXXX, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article XXXX, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have not validated any alleged debt with Allied Collection Services , Inc. and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of ( todays date ), I have not received any documentary evidence, such as a trilateral contract, giving Allied Collection Services , Inc. any right to collect on this alleged debt. I have never received any documentation requesting validation from Allied Collection Services , Inc., before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Allied Collection Services , Inc., can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Allied Collection Services , Inc., can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Allied Collection Services , Inc., continues its collection efforts, I will file for litigation for actual damages caused and Allied Collection Services , Inc., will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

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 2023-01-14 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: IL

Complaint narrative:
On XX/XX/2022 i Certified mailed TransUnion Tracking Number XXXX a letter asking their company to investigate and delete the inaccurate accounts that is reporting on my Consumer Report. By Federal Law According to the FAIR CREDIT REPORTING ACT 15 USC 1681i ( 1 ) ( A ) the consumer reporting agency ( TransUnion ) before the end of the 30 -day period beginning on the date on which the agency receives the notice of the dispute from the consumer after 30 days if the consumer reporting agency can not verify or validate this inaccurate Information the consumer reporting agency must promptly delete the items from the file of the consumer.

Also According to the FAIR CREDIT REPORTING ACT 15 USC 1681b ( 2 ) a consumer reporting agency may not furnish any information on a consumer report with out the written instruction of the consumer ( me ) to whom it relates.

IM DEMAING THE FOLLOWING ACCOUNTS BE DELETED IMMEDIATELIY FOR FAILURE TO COMPLY WITH THE FEDERAL LAW 1 ACCOUT NAXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have uploaded all of the proper documentation to support my claim.

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 2023-01-14 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: AR Resources, Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX, date of birth is XX/XX/XXXX, XXXX is XXXX. 

AR Resources XXXX XXXX XXXX needs to be removed from my credit for the following reasons : The alleged dollar amount is incorrect. I received correspondence indicating that {$240.00} was owed ( see attached ), then correspondence alleging {$200.00} was owed. 

Nothing is owed and nothing was ever owed. This was paid by insurance. Although not owed, the alleged debt was paid on XX/XX/XXXX ( see attached ). 

Further, paid medical debt that was in collections can no longer be included on consumer credit reports ( see attached ). 

If this is not removed on or before XX/XX/XXXX, I will be filing suit against both XXXX XXXX and AR Resources. 


Thank you for your time and attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
All three credit companies, TransUnion, XXXX, and XXXX continue to report this account as accurate even though i have court records showing a different amount owed too another company. I believe no investigation was ever done. It is harming my ability to apply for a home for me and my children. 
the amount shown by PROFESSIONAL DEBT, saying i owed them a total of {$3500.00} dollars as a high balance, they are saying i paid 28 % which i never paid this company, and that i now owe {$2500.00}. None of these amounts are shown in my court documents! so, they are reporting false information. That is a violation. I have disputed this account multiple times.

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 2023-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I filed a dispute with Chase Sapphire credit card about XXXX XXXX for {$1500.00} on XXXX XXXX, 2022. XXXX was hired to pressure wash, re sand and seal my pool deck. Product washed away after first rain. He agreed to return but after several weeks and calls never did. I had called Chase on a separate issue and the customer service rep asked if I'd like an update on my dispute. She read a detailed letter to XXXX in my favor. After returning from vacation Chase sent me a letter in favor of XXXX. Spoke to supervisor at Chase, XXXX, and was told I could request another review. After researching my case she said there is " no footprint '' of that conversation and I was out of time to dispute further. I have had this credit card 27 years. Never have I filed an erroneous dispute

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-14 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: Experian Information Solutions Inc.
State: IA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: LA

Complaint narrative:
In XX/XX/2022, I was contacted by XXXX about an outstanding debt due to XXXX XXXX for an account opened fraudulently in my name. The amount of the alleged account was {$110.00} for account number XXXX. I immediately filled out a form with the FTC noting my identity had been stolen to open up an energy account for property in Texas. I've never lived in Texas. I live in XXXX XXXX, Louisiana where I am a practicing XXXX  and own my XXXX. I printed out the affidavit and information from the FTC 's website and sent it to XXXX XXXX of XXXX XXXX. I followed the law and properly reported to all three credit bureaus the fraud and identity theft ( all done on XX/XX/2022 ). I spoke with the representative from XXXX and she told me that they reported the debt was unfounded to XXXX XXXX. Nonetheless, XXXX XXXX has now forwarded this illegal debt that I do not owe to another debt collector ( all in violation of Federal Law ), Online information services sent me another debt collection letter on XX/XX/2022 for the identical account. XXXX is now shopping credit collection agencies to collect against me a debt that was secured illegally in my name. All of my ties are to Louisiana. I have never lived in Texas and it is very clear that I would not have ever opened up this account for this apartment they claim. Any company that shops an alleged open account to credit collection agencies after determining that the account was illegally opened through identity theft should be fined. I encourage the CFPB to target XXXX XXXX for an investigation. Who knows how many other Americans are being targeted for accounts that XXXX should never have opened in the first place. Someone clearly impersonated me and there was obviously no checking of credentials or information before opening this fraudulent energy account. I now have to spend my valuable time fighting this fraudulent debt again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
This is in response to Barclays Bank complaint XXXX SUBMITTED ON XX/XX/2022, The card was issued to an imposter to an address I had not lived at for quite a few years ( I live XXXX miles from there ), I called the bank numerous times to get this cleared up ( with the Fraud Department XXXX XXXX the Bank closed XXXX Account and then reported to the Credit Bureaus that I was 30 days late, now the Bank has XXXX me as being XXXX XXXX past due, I don't owe this XXXX plus dollar charge

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 2023-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX - Company has misused reports to make XXXX look XXXX! 
All in the name of the " glorious XXXX '' Contacted me Virtually & not in WRITING after contact hours XXXX violated truth in lending & fair credit reporting act

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XX/XX/2023 Credit report contains inaccurate information, income, and/or bank account balance from XXXX XXXX. 

Credit report was submitted without consent and/or authorization. 

XXXX XXXX has not honored the agreement and/or complied with applicable laws/statutes ( UCC 8-112, etc. , FDPC, FDRA ) nor provided remedy and recourse via lawful recission demanded by customer as a result in a reasonable time.

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 2023-01-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Placement Services, LLC
State: FL

Complaint narrative:
I've recently noticed a alleged debt that fell into derogatory collection account by a company under the name Professional Placement Services on my credit report. I was not notified where the original debt came from, I've received no information on how to dispute such alleged debt/account nor was I the consumer, notified they reported an alleged debt/account to my credit report ( without my authorization ). The alleged debt has several inaccuracies, so how do I even know the debt is real? The inaccuracies are as follows : XXXX stated the date the date of last activity was XX/XX/XXXX, where as. XXXX states the date of last activity as XX/XX/XXXX. Furthermore ; XXXX is reporting this as an Open Account & XXXX is showing it as closed. XXXX has removed this alleged debt from my account due to it not being able to be validated. I also never received a method of validation letter. So how do I even know if the alleged INACCURATE debt even belongs to me or is truly my debt? I sent a debt validation request letter to Professional Placement Services via mail on XX/XX/XXXX. Tracking shows that the letter was received by Professional Placement Services on XX/XX/XXXX. It has been more than 30 days and I have not received any type of debt validation letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 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: NJ

Complaint narrative:
Disputing XXXXXXXX XXXX XXXX. Did not receive any mail notifying of any account. Tried contacting company by phone only get recording. 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 non-monetary relief