vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX  and XXXX  for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

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 2021-07-15 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: I.C. System, Inc.
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX  XXXX  XXXXI C SYSTEM ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX  ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXthat listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report 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 2021-07-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I am trying to open a bank account but they're saying I can not and I've called a few places to find out why and no one seems to understand why I did report my name social security being used in XX/XX/2019with Bank of America so I don't know if that is the issue.

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 2021-07-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
THIS IS NOT A DUPLICATE. RESUBMITTING COMPLAINT SINCE DOCUMENTS WOULD NOT LOAD IN LAST ONE. Santander Consumer USA has repeatedly violated my Consumer rights, and right to operate in commerce. I purchased a vehicle as a consumer transaction back in XXXX using my social security number. My social security card/number belongs to the Social Secuirty Administration and anything purchased with your social is the obligation of the United States in accordance to Truth in Lending 15 USC 1601. A credit card ( as defined under 15 USC 1601 ( I ) the term credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. The FDCPA 15 USC 1692 never uses the term Borrower. I can not borrow my own money. Santander Consumer USA has referred to me as a Borrower in contract which is a violation. The only one who can extend credit is the one creating the debt, which is done with the use of my social security card/number. Banks can not loan money, it is illegal for a bank to loan money or extend credit. I have expressed these violations through mail which Santander Consumer USA has stated on record they received. I submitted an affidavit of truth, cease and desist granting my title lien free, an invoice of {$3000.00} for violating my federal protected consumer rights, and a debt validation letter. Santander Consumer USA has yet to provide me with a sworn affidavit of truth or a proper debt validation letter which again is in violation of 15 USC 1692. I have the right to request any and all debt validation. Santander Consumer USA has a clear and blatant disregard for federal law and continued to send me statements requesting to pay an alleged debt on a consumer transaction XXXX another violation of 15 USC 1692 ) and are now threatening to repossess my vehicle which will be theft. I have also expressed my Consumer right to demand all reporting to consumer and credit retorting agencys must cease and desist, and that demand has not been met. Santander Consumer USA is actively damaging my reputation and in violation of the FCRA 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
In XX/XX/XXXX I received a collections letter ; Paypal sent them the account set up in my name with my information. The fraud occurred in XX/XX/XXXX. I spoke with the collection agency and with payapl reps. Paypal would not comply with my requests, but finally I was told that there would no longer - never be - another account with my name. 
I filed with the FTC - ID Theft, following all their recommendations. One such document asked for information on the transactions they -Payapal - processed ; no reponse. 
I spoke with someone in the ID Theft center and followed his instructions. I have seen no charges to me but I would still like some information as to how this happened. This is the SECOND time my ID has been stolen/used with paypal. The first being in XXXX, when I spent much time and effort clearing the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
On XX/XX/2021, I sent a debt validation letter via certified mail with return receipt to ARS Account resolution at XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX requesting Debt validation. Tracking # XXXX shows it was received and signed for. Debt validation is my federal right granted under the Fair Debt Collection Practices Act ( FDCPA ). Since I was NEVER contacted by the collection agency regarding any alleged debt, I reached out immediately after noticing the unfamiliar account on my credit report. It has now been well over the allowed 30 days and ARS Account Resolution has failed to provide any of the required documentation under FCRA to prove this alleged debt is mines however they continue to report the debt to the credit bureaus, which is a clear VIOLATION OF FCRA & my rights as a consumer are being violated by this company.

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 2021-07-15 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: TX

Complaint narrative:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: CORELOGIC INC
State: FL

Complaint narrative:
I am viewing my credit report to find these discrepancies : CREDCO - XX/XX/XXXX XXXX  CREDCO/XXXX  XXXX  I Mortgage Companies XX/XX/XXXX XXXX  CREDCO Miscellaneous XX/XX/XXXX XXXX  CREDCO - XX/XX/XXXX XXXX  CREDCO Mortgage Reporters XX/XX/XXXX XXXX  CREDCO Miscellaneous XX/XX/XXXX XXXX  XXXX XXXX XXXX  - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX  XXXX XXXX Auto Dealers, Used XX/XX/XXXX XXXX  XXXX XXXX XXXX Auto Dealers, Used XX/XX/XXXX XXXX  As I think back someone had to been fraudulent using my credit information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I used XXXXXXXX XXXX mail to send a certified letter to Transunion with supporting documentation regarding this bankruptcy on my credit file. I received an email from XXXX that states the letter was delivered, and it was picked up on XX/XX/2021 at XXXX. I called Transunion on Monday XX/XX/XXXX, and spoked with a rep to confirm my dispute letter was received. He stated, it was received and it will take five days to investigate. However, I called back yesterday to speak with another rep, and she stated after checking in the system, that my dispute was never received. I'm extremely frustrated because I'm being told different things from different reps, however I know they received the documents from the tracking number. I want to make sure my dispute is open and re-investigated from the documents I sent. I am going to upload everything I sent to Transunion.

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 2021-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: FL

Complaint narrative:
Amount owed- {$100.00} Collections agency ( franklin collections firm, XXXX XXXX XXXX XXXX ( XXXX ) XXXX Agency sent letters in early XXXX for one or two unpaid sessions. Those were proven to be paid, and I thought this was a closed case. 
The 'medical ' company ( XXXX  ) is an online only therapy support company. My therapist was licensed in the state of Virginia ONLY. When I had an appointment with her I had to be in the state of Virginia, or she could not have the session and be paid. The date of the service in question is XXXX, XXXX, XXXX. First, the company had my credit card on file and charged my account for each session. I never saw an invoice from them. 
Second, on XX/XX/XXXX I was driving to XXXX XXXX, Florida and I have a credit card statement that proves this. 
I have requested, on numerous occasions, a copy of an invoice or some indisputable evidence that I had a session on that day. I have never received anything from them except threatening letters ( see attached ). I have called the agency at least 6-8 times and still have not received any document, period ... except their threatening letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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:
I have attempted on MULTIPLE occasions since XX/XX/2020 to dispute the XXXX account with Equifax due to not only being reported INCORRECTLY but because I do not have a financial obligation with them! This account was paid in full per the attached receipt in XX/XX/2020. There is false reporting and XXXX refuses to do anything about it and so does Equifax! They either ignore my request or just state that the information is correct. No, it's not correct, I no longer owe anything to the creditor and they will not remove this. 

There are also multiple inquiries that I have been requesting to have disputed and removed however, those have not even been acknowledged by Equifax!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: Eastern Account Systems of Connecticut, Inc.
State: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: NJ

Complaint narrative:
I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute. I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem fixed ASAP I will not wait another 60 days to receive no response because clearly you all are ignoring me. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. Section 611 ( a ) plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove of those items from my credit report. It has been 60 days so they should be deleted promptly. In addition, my information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, BBB, Attorney General and FTC

Company response to consumer: Closed with explanation