vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-07 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: NY

Complaint narrative:
The accounts listed above do not reflect any correct transactions done by me. 




My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. 
The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions.

I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained.I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 
FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, 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. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW.

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 2021-11-07 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: NY

Complaint narrative:
The accounts listed above do not reflect any correct transactions done by me. 




My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621.

The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions.

I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained.I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 
FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, 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. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 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: National Credit Systems,Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX NCS, A collection company that Ive never received communications from added an account that they had recently closed after I disputed. Same amount and original creditor. I had already disputed at the beginning of XXXX when the collection first appeared on my credit, I sent them two certified letters to request validation from. No response. Again, I had received no initial dunning notice or anything in writing from them.

Almost a month after I dispute, NCS adds {$1.00} to the accounts balance. I contact the consumer finance bureau to complain and after that, NCS closes the account. Just today i get notified on my credit reporting app that they have adding the same account that had been closed. Can they do this without having contacted me? I have not gotten any notice of the debt or my options. I have record of me trying to contact them and all of their updates they made before closing the original account. 

They have ignored my certified letters as of XX/XX/2021 I feel i have some right to the information of my alleged debt before paying it off, it says Im already late on a payment but I didnt set any arrangement with them considering weve never spoken.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 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:
Equifax in reports XXXX, XXXX and XXXX stated on XX/XX/21, XX/XX/21 and XX/XX/21 : " ... an internal review was completed and results were mailed to you. '' In reports XXXX and XXXX Equifax in apparent contradictions stated on XX/XX/21 and XX/XX/21 : " When the furnishing company provides their findings, we will send those results to you. '' XX/XX/21 XXXX complained the above to which Equifax XX/XX/21 disingenuously responded : " Please be advised that an investigation with the furnisher of the information was completed and results were mailed to you. We hope this resolves your concerns. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 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: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Lender is reporting the account is in a forbearance in the comments section and status of all three credit reporting agencies.

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 2021-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX XXXX XXXX, XXXX ( XXXX ) /Capital One Services , LLC is attempting to collect a debt not owed for many reasons. I am requesting full deletion of the information being reported on my Consumer Report as well as the balance showing on any accounting ledgers associated with any derivation of my name which is my private DBA.

Please make note of the following discrepancies I will litigate/enforce if this is not removed from all collection efforts and accounting ledgers : 1. The alleged balance is not reported correctly on my Consumer Report. See attachments.

2. The alleged balance must be reported to the United States for collection of the obligation [ per 18 USC 8 ], not to me.

3. This reporting has not been permitted or ordered by any court, and is consequently being done in violation of [ 15 USC 1681b ]. Any agreements alleging to give permission to report or furnish a report are hereby rescinded for reason of a mistake being made under duress. 
4. The debt collector has no wet ink signature of mine showing any agreement to any obligation to engage with me for any reason. They do not have permission to have acquired my location information or any other pieces of Personal Identification Information. Any alleged permission obtained by my signature is hereby rescinded for reason of a mistake being made under duress. I do not wish to contract with XXXX XXXX XXXX, XXXX ( XXXX ) for any reasons. This is an official notice to cease and desist collection, and a request to delete all of my information completely from their internal record keeping systems, and any reports made by them in whole, on all applicable Consumer Reports.

Any failure to comply with this request will result in further Administration and Enforcement of federal regulation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Chase Bank is once again reordering transactions in order to extract bank fees. I was never negative in my account however they somehow re ordered my transactions to make me over {$400.00} negative and issued a 21 day loan which they then took back 2 days early and refuse to fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Here again with yet another account that is closed and was paid in full, but Equifax has just reported that in XX/XX/2021, the account is 60 days late. This account was closed and paid in full in XX/XX/2021. This account should no longer be receiving any updated information. Its CLOSED!!! Please correct this erroneous error immediately. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
PLEASE BE ADVISED, I'VE BEEN A VICTIM OF IDENETY THEFT. XXXX SENT IN MULTIPLE REQUEST TO EQUIFAX WITH 605B, REQUESTING FRAUDULENT INFORMATION BE BLOCKED FROM MY REPORT. SOME USED MY INFORMATION TO GET MEDICAL CARE. EQUIFAX REFUSES TO BLOCK THIS INFORMATION FROM MY REPORT. EQUIFAX SAYS THEY WILL INVESTIGATE MY CLAIM. WELL I HAVE A PROBLEM WITH THIS. BECAUSE THIS HAS TAKEN OVER 30 DAYS. EQUIFAX HAS MULTIPLE ACCOUNTS REPORTING DOUBLE ON MY REPORT. I'VE ALSO ASKED TO SEE A SIGNED CONTRACT, BECAUSE IVE NEVER DONE BUSINESS WITH ANY OF THE COMPANIES EQUIFAX IS REPOERTING ON MY CREDIT FILE. THIS FRAUDULENT AND INACCURTE INFORMATION IS HINDERING ME FROM GETTING CREDIT. EQUIFAX KEEPS IGNORING MY REQUEST, I WILL JUST HAVE TO CONTACT MY ATTORNEY. BECAUSE THIS IS A VOLATION OF THE FCRA. I SEND WILL ALSO A COMPLAINT TO THE FTC, AND XXXX. 
AGAIN THE FOLLOWING ACCOUNTS ARE FRAUDULENT AND MUST BE BLOCKED.. 

XXXX XXXX SERVICES {$380.00} ACCT # XXXX ( .XXXX  XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) {$1900.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} ACCT # XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) {$1900.00} ACCT # XXXX XXXX. XXXX {$1300.00} ( XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX {$42.00} ( XXXX XXXX ) XXXX XXXX {$42.00} ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 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:
My XXXX XXXX account was paid off ( XXXX dollar balance ) and closed in XX/XX/XXXX. However the last two months I have received statement notifications of a balance due. I let them know that's not possible because the account is closed and I do not have the card so I could not have made any changes. And I don't know how charges can be applied to a " closed '' account. I emailed them on XX/XX/XXXX and XXXX letting them know that the account is closed and I don't have any idea what is going and I can't even log on because it is linked to old phone number that I no longer use due to identity theft. On XXXX they replied to me saying I need to provide my drivers license to change my phone number. I replied back on XXXX that I no longer have a valid DL but provided my passport book instead and let them know again the account is closed, don't know how there are any charges and if so its fraud and I don't know how/why there is a balance. There has been no response to any of my emails since, the phone number is still linked to the old one for the account so I still can't access it and I'm still receiving balance notifications. And on XXXX they reported to the credit bureaus that the accounts were late when I let them know already that any new changes should/would be fraud since the account was " closed '' and I don't have any access to it.

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 2021-11-07 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:
My XXXX XXXX account was paid off ( XXXX dollar balance ) and closed in XX/XX/XXXX. However the last two months I have received statement notifications of a balance due. I let them know that's not possible because the account is closed and I do not have the card so I could not have made any changes. And I don't know how charges can be applied to a " closed '' account. I emailed them on XX/XX/XXXX and XXXX letting them know that the account is closed and I don't have any idea what is going and I can't even log on because it is linked to old phone number that I no longer use due to identity theft. On XXXX they replied to me saying I need to provide my drivers license to change my phone number. I replied back on XXXX that I no longer have a valid DL but provided my passport book instead and let them know again the account is closed, don't know how there are any charges and if so its fraud and I don't know how/why there is a balance. There has been no response to any of my emails since, the phone number is still linked to the old one for the account so I still can't access it and I'm still receiving balance notifications. And on XXXX they reported to the credit bureaus that the accounts were late when I let them know already that any new changes should/would be fraud since the account was " closed '' and I don't have any access to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I was made aware of a negative issue on my credit report. 
Was denied credit. 
The collection company is Midland dept Collection.

The account is over 12 years old. 
XXXX and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem adding money
Company: Netspend Corporation
State: NM

Complaint narrative:
On Saturday XXXX XXXX I went to XXXX XXXX store on XXXX in XXXX New Mexico and I purchased a net spend card that I added {$100.00} dollars to and paid a card fee of {$2.00}. The card purchase was successful. I purchased the card because someone stole my debit card number and the bank is in the process of re issuing me a new one. I sat in the parking lot of the grocery store and tried to activate it online I kept getting error messages. I decided to sit there and call in to activate the card when I called they had me verify all my personal information and my address after I gave them all the information the customer service representative told me that they needed more information and I couldnt use the card or have access to the money that I put on the card until I sent my social security card ( of which someone stole ) my drivers license and a bill or something in my name and I would have to email it to them and until I did I wouldnt be able to use it. Im so angry because thats all the money I had and now I dont have access any or access to it. I have a problem with federal agents in New Mexico harassing all my bank accounts and prepaid debit cards. Im not saying that they interfered with this but it is highly likely my address is on my drivers license my car insurance is the same address so is my registration and bank accounts. How would my information not verify? Its impossible so now because someone stole my social security card I have to apply for a new one with limited availability at the social security office apply wait for the card to send to net spend so they can verify who knows what so I can spend my social security money that I put on the card. That is unacceptable and I wanted money back. I literally stayed on the phone for 7 minutes for netspend to try to govern the money I just put on the card conspiring with federal agents to give me a hard time in everyday life situations

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 2021-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
TD Bank already knew that I was a victim of fraud, but a stranger opened a new checking account and saving account online every week, and negotiated with TD BANK many times to let them lock my work card and dont approve me. The work card opened a new account, but they said it could not be done. No results were obtained for two weeks. The new fraudulent account was opened every week. I went to the police. The police asked for a fraud investigation report issued by the TD department, but TD bank refused to give it to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC
State: VA

Complaint narrative:
In early XXXX I called XXXX because I wanted to close my account and unlock my and my husband 's phones so they could be used with our new carrier.

I spoke to several agents online, and they informed me that there was a {$480.00} balance that had to be paid first before they unlocked our phones. I paid the balance right then, as I was talking to them in an online chat, and they confirmed my account was now {$0.00} and that it would take 24 hours to unlock our phones and they would be unlocked and ready to use with a new SIM card the next day.

I SPECIFICALLY verified with them that both my and my husband 's phones would be unlocked and ready to go, and someone claiming to be a supervisor confirmed.

The next day, neither phone was unlocked, so I engaged with them again. This time they SPECIFICALLY confirmed that my account balance was {$0.00} and that my account was canceled. This was in chat, so they should have a transcript. They apologized profusely, and since I needed my phone for work, they this time successfully unlocked it.

The problem was that they did not unlock my husband 's phone, even though I specifically asked whether the account was closed for both phones and so I had to engage with them again. Their representative confirmed that everything should be XXXX XXXX and closed and was finally able to unlock my husband 's phone.

At no point did they inform me in any way that there may be an additional balance.

Then they started harassing me via email. Then they had a collection agency engage with me. I explained the situation and sent them a full write-up. A little while later, they sent me a letter claiming they examined the situation and determined that I still owed XXXX money. No transparency, no anything. I have no idea what they based this decision on. 

Then they started negatively impacting my otherwise stellar credit score, and when I filed a complaint, they claimed they sent the case back to XXXX . 

Now a company named RPM is basically blackmailing me. If I give them roughly {$160.00}, they will stop the harassment and the collection. I have already paid XXXX almost {$500.00} to stop their service, and I shouldnt have to pay a collection agency any extortion money.

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