vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-07 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:
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
As an INJURED CONSUMER of currently unproven compliant and or valid misinformation, I DEMAND you remove immediately the claim ( s ) as related to the alleged delinquencies and claim of CHARGE-OFF/ COLLECTION and further ANY ASPECT OF ACCOUNT potentially injurious to me. Prove alleged derogatory reporting claim of CHARGE OFF/COLLECTION is fully true, correct, complete, timely, valid, physically verifiable by document testimony certifying all data of allegation ( s ), every notation, all aspects, dates and balances, payments and balance calculations, accounting and audits, Identifications and personal identifiers, pay statuses and source codes, all 426-characters of the mandatory correct and complete P6 statement with all of its trailing fragments, each of the sequential 386-pieces of confirmation to collection, creditor classification code, collector class code ( if any ), and all aspects of requisite perfect reporting, mentioned or not INCLUDING TO THE MANDATORY PERFECT METRO 2 FORMAT REPORTING COMPLIANCES! Compliance of reporting and VALIDITY of claim ( s ) are MINIMUM MANDATORY CRITERIA to REPORT, NOT OPTIONAL. You MUST adhere to my state and the applicable federal reporting laws or else be subject to civil action and suitable penalties and or fines for your dereliction, willful in nature OR in IGNORANCE matters not! REMOVE any and all aspects of delinquency ( ies ) and or derogatory allegation ( s ) now to OBTAIN, RETAIN, or to return to reporting with legal standing in full accordance of requisite mandates of law, be them mentioned here or not! I DEMAND you do so TODAY, even HERE and NOW! 
I demand the following accounts be verified or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I paid my credit card via my online bank on XX/XX/20, on XX/XX/20 money received by Capital One credit XX/XX/20 payment is due. On XX/XX/20 Capital One charged {$30.00} for a late payment. Called Capital on on XXXX XXXX and was told payment was there but pending? Got statement for XX/XX/XXXX- XXXX LATE FEE {$30.00}. Payment is not late.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Monday XX/XX/2020 and XX/XX/XXXX and XXXX I have sent letters to the 3 credit reporting agencys informing them that information is reporting incorrect. Each time I tell them that the information is reporting inaccurate, they turn around and state that they where able to verify the account belongs to me. Im not challenging wheather or not the account belongs to me, Im challenging the inaccurate information they are reportinng which is againts the Fair Credit Reporting Act. 

XXXX  XXXX XXXX has never been late XXXX XXXX contains several inaccuracies. 
XXXX  XXXX XXXX XXXX also contains several inaccuracies.

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 2021-01-07 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX XXXX PLACED A LIEN ON MY PROPERTY FOR A MORTGAGE DEBT THAT WAS DISCHARGED IN BANKRUPTCY IN XX/XX/2011. THIS DEBIT/LIEN WAS WIPED OUT AND THEY CONTINUE TO HAVE THE LIEN ON MY PROPERTY WITH INTEREST ACCRUING AT 8.12500  %!!!! THIS PROPERTY HAS ZERO EQUITY-ZERO!!!!! I'M UNDERWATER ON THIS PROPERTY, AS THE 1ST MORTGAGE IS MORE THAN WHAT THE PROPERTY IS WORTH! 
THEY HAVE NO LEGAL RIGHT TO PLACE THE LIEN, ENFORCE THE LIEN, COLLECT ON THE LIEN, OR ANY OTHER LEGAL INSTRUMENT, AS THEY DO NOT LEGALLY OWN THE DEBT, NOR THEIR " CURRENT CREDITOR '' XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
*CHXXXX BANKRUPTCY DISCHARGE, ALONG WITH QUALIFIED WRITTEN REQUESTS AND REQUESTS FOR VERIFICATION OF DEBT HAVE BEEN IGNORED* THUS PROVING ZERO OWNERSHIP, OR EVEN THEIR ABILITY TO LEGALLY ATTEMPT TO SERVICE. THIS DEBT WAS CLEARED IN BANKRUPTCY, YET THEY CONTINUE TO TRY AND COLLECT! 
THEY NEED TO COMPLY WITH THE BK DISCHARGE, REMOVE THE LIEN AND HALT THEIR DEBT COLLECTION AND HARASSMENT PRACTICES. 
THEY ARE IN VIOLATION AND NON-COMPLIANCE OF RESPA AND TRUTH IN LENDING ACT REQUIREMENTS. PLEASE INSTRUCT THEM ON THEIR FRAUDULENT PRACTICES AND REMOVE THE LIEN!

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 2021-01-07 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am assuming that the bureaus have been busy and haven't had a chance to get to my dispute letter 's yet it has been over 60 days since i sent my dispute 's regarding inaccurate items on my report and i still have not received any response yet. To be exact on XX/XX/2020 I sent in my dispute via certified mail. I feel like my disputes are being ignored. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been over 60 days I demand these accounts be deleted immediately. I would like to add that my information was impacted by the XXXX  data breach. This is possibly an explanation of the inaccurate items on my report please help me solve this issue as soon as possible.

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 2021-01-07 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$440.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/2020 with a balance of {$440.00} -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 2021-01-07 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$440.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/2020 with a balance of {$440.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX is reporting incorrect payment information on my credit report. They are stating that I had a 30-day late payment XXXX, 2020 and in XXXX, 2020. Both of these payments were paid on time and I was never 30-days late. This erroneous information has caused my credit score to drop almost XXXX points and I am in the middle of closing on a home. I am outraged that XXXX and the three credit bureaus are reporting this false information. I contacted XXXX about this by phone and I was told to send an email to their collection team. I emailed them on XX/XX/2020 and needless to say I still have not received a response. 

I am an auditor and in my position am required to have a good credit history by my employer. This erroneous reporting has not only caused me much undue stress, however has the potential of affecting my livelihood. 

Please make these corrections promptly, I was NEVER late on my XXXX and XXXX, 2020 payments with XXXX XXXX XXXX XXXX XXXX, please update this information promptly.

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 2021-01-07 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: TX

Complaint narrative:
Monday XX/XX/2020 and XX/XX/XXXX and XXXX I have sent letters to the 3 credit reporting agencys informing them that information is reporting incorrect. Each time I tell them that the information is reporting inaccurate, they turn around and state that they where able to verify the account belongs to me. Im not challenging wheather or not the account belongs to me, Im challenging the inaccurate information they are reportinng which is againts the Fair Credit Reporting Act. 

XXXX  XXXX XXXX has never been late XXXX XXXX contains several inaccuracies. 
XXXX  XXXX XXXX XXXX also contains several inaccuracies.

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 2021-01-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Monday XX/XX/2020 and XX/XX/XXXX and XXXX I have sent letters to the 3 credit reporting agencys informing them that information is reporting incorrect. Each time I tell them that the information is reporting inaccurate, they turn around and state that they where able to verify the account belongs to me. Im not challenging wheather or not the account belongs to me, Im challenging the inaccurate information they are reportinng which is againts the Fair Credit Reporting Act. 

XXXX  XXXX XXXX has never been late XXXX XXXX contains several inaccuracies. 
XXXX  XXXX XXXX XXXX also contains several inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: NY

Complaint narrative:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT. THE ACCOUNTS ARE CLOSED AND HAS BEEN PAID FOR IN FULL. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SHOWING PROOF OF THE AGREEMENT.

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 2021-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT. THE ACCOUNTS ARE CLOSED AND HAS BEEN PAID FOR IN FULL. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SHOWING PROOF OF THE AGREEMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: FL

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON 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 2021-01-07 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: NY

Complaint narrative:
I am getting responses from credit companies stating that the complaint isnt being submitted by me. I am submitting proper documentation to verify that it is me uploading these documents and filing this complaint. I am just trying to remove items once again that were negatively reporting and were on my report without my knowledge. They were removed from XXXX  and XXXX  and then somehow were put back onto my credit report. According to law 611 ( b ) ( ii ) it states if any information that has been deleted from a consumers file is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion on writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

It has been well over 5 business days and I received NOTHING. These accounts aren't mine and they need to be removed again please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Accounts, LLC
State: GA

Complaint narrative:
I received a notice in the mail from Capital Accounts on XXXX, which is dated XXXX, to respond to the validity of a debt that I do not owe them. This debt was written off and already paid to the original creditor XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX. However, this strange company illegally obtained personal medical records that I have not authorized to share with 3rd parties. This is a direct HIPPA violation. 

Also, the company prematurely added their account to all of the credit bureau without validating that they have and own the rights to collect on this debt, license and bonded to collect debt in the state of Georgia, or an original contract. Ive already responed via mail on XXXX, but was ignored. I DO NOT wish to do business with this company, and I want this account REMOVED FROM ALL CREDIT BUREAUS IMMEDIATELY! 

My next course of action is to seek legal advise, and file charges against Capital Accts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: William D. Meeker Enterprises, Inc.
State: IL

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2020, CIC CREDIT add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: Eastern Account Systems of Connecticut, Inc.
State: CT

Complaint narrative:
I mailed a dispute letter to XXXX  and XXXX  on XX/XX/XXXX regarding 3 accounts on my credit report. I was notified within 15 days that the account was verified. I than sent a certified letter to both companies requesting a method of verification on XX/XX/XXXX. As of XX/XX/XXXX I had not received any correspondence. I called XXXX directly and spoke to " XXXX and " XXXX '' and was told by both managers that I was not allowed to receive verification ( a FCRA violation ) and that they communicated with the furnisher electronically and have not gotten any verification if this account was actually mine. As of XX/XX/XXXX, I have contacted my local smalls claims court to file a claim for clear violations of my consumer rights. I have been asking for verification of these accounts for several months and it has been futile. Please advise

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
A refund check was sent on my behalf for an online payment I previously made through the citizens bank bill pay service. The company ( XXXX XXXX XXXX ) sent the check to XXXX XXXX in order for it to be deposited back into my account. This check was cashed by XXXX XXXX on XX/XX/XXXX. However, the funds were never deposited back into my account. I have been calling and calling and speaking to manager after manager with a promise of the money being deposited within 2-3 business days. The money is never deposited and I never receive any follow-up calls. This leaves me to call yet again another time with no satisfaction and no resolution. I have provided all of the details of the cashed check to multiple representatives that included the check number, date cashed, routing number, amount etc. 
The calls that I have on record to have been made are as follows : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
I received an alert from XXXX XXXX saying a collection was added to credit report. I had no knowledge of the collection until I received the alert from XXXX XXXX. I never received a phone nor letter advising me to dispute the validity of this debt. It is affecting my credit and I need it removed. Im supposed to receive notification to dispute, and if I dont respond within 30 days then it can be added to my report, instead they added it without giving me the opportunity to dispute the validity of the debt. I sent a certified letter in XXXX asking the creditor to verify the debt ie, signed document or contract which they failed to do. I have no knowledge of this debt. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Io, Inc.
State: MD

Complaint narrative:
I received an alert from XXXX XXXX saying a collection was added. I had no knowledge of the collection until I received the alert from XXXX XXXX. I never received a phone nor letter advising me to dispute the validity of this debt. It is affecting my credit and need it removed. Im supposed to receive notification to dispute, and if I dont respond within 30 days then it can be added to my report, instead they added it without giving me the opportunity to dispute the validity of the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: Credit Plus Inc
State: IL

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX. XXXX, 2020, XXXX XXXX, 2020, CREDIT PLUS add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation