vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
When this company contacted me over the alleged debt, they are required to provide me with certain information about the debt theyre trying to collect. 

Per ref ( b ) under the CFPBs Debt Collection Rule they provide NO clarifying provisions of the Fair Debt Collection Practices Act ( FDCPA ) which became effective on XX/XX/2021. 

The CFPBs debt collection rule requires debt collectors to provide certain information when they first communicate with you or soon after ( generally within 5 days ). When the debt collector provides this required information electronically or in writing, it is called a validation notice. The validation notice is meant to help you recognize whether the debt is yours and dispute the debt if it is not yours. 

The notice generally must include : A statement that the communication is from a debt collector The name and mailing information of the debt collector and the consumer The name of the creditor to whom the debt is owed It is possible that more than one creditor will be listed The account number associated with the debt ( if any ) An itemization of the current amount of the debt that reflects interest, fees, payments and credits since a particular date, the itemization date The current amount of the debt as of when the validation information is provided Information about your debt collection rights, including language that : If you dont dispute the debt within 30 days the debt collector will assume the debt is valid If you do dispute the debt in writing within 30 days the debt collector must stop collection until it provides you verification of the debt If you request the name and address of the original creditor ( if different from the current creditor ) within 30 days, the debt collector will provide you that information Information on how to dispute the debt The notice must include a tear-off form that you can send back to the debt collector to dispute the debt or take other actions. 
You may see other information on your validation notice, but the information listed above generally must be included. 

This agency failed to provide that information and forwarded to credit bureaus which is a violation. The reason for this second complaint is because, this Agency provided this information to the credit bureaus as retaliation for reporting their company for not being in full compliant with FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 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: CA

Complaint narrative:
Transunion is reporting an account that has been opened for more than XXXX years as a new account, as a result my credit score has dropped XXXX XXXX. I called Transunion to try and remedy the issue but they advised to dispute online and I have been unable to do so as I keep getting error messages. I have attached the reports dated from earlier in XXXX where it shows that XXXX XXXX being reported prior to XX/XX/15. Please resolve this issues as soon as possible, I take care of my credit and dont want inaccuracies being reported and weighing down my score. Thank you so much for your prompt attention to this matter.

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 2022-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Source Receivables Management LLC
State: CO

Complaint narrative:
The company, Source Receivables Management, calls me every XXXX When I ask what company they are from, they state the companys name. When I ask what type of business this is, they immediately hang up on me. This is refusing to identify them as a debt collector which is illegal under both XXXX XXXX XXXX XXXX I have not even been able to discuss anything with them as they hang up every XXXX time that I ask them what their business with me is. This is an obvious case of malicious harassment by a debt collection agency that goes directly against state and XXXX XXXX requiring debt XXXX to identify themselves as XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Business and Consumer Solutions.
State: OH

Complaint narrative:
A year ago a XXXX XXXX XXXX XXXX XXXX contacted me claiming I owe a debt that I know for fact never happened. They claim I had a XXXX account years ago. I never made any large transactions using XXXX. I disputed this claim and reported it as fraud. They said they would delete it from their system. 

I contacted XXXX and they said that I never had an account and show no records or any transaction. They believe that someone stole my identity or this was a scam. 

On or about XX/XX/22 another company FBCS , Inc contacted me about the same debt owed. The original company XXXX XXXX lied to me and did not delete the debt, instead the soled my information to another company XXXX. I contacted them and gave them the same information. Neither company will provide me with any details as evidence or documentation to this fraudulent transaction. Both companies REFUSE to provide any evidence or documentation. Both companies continue to lie, and harrassment. Again I asked to dispute this debt and mark as fraud. 

On further investigation I have found out that XXXX doesn't even have account numbers as provided by these companies and as such the account number provided by FBCS Inc is fictitious. Both companies are financial fraudsters using made up debts and account numbers. They are scammers. Also after investigation FBCS and associated reviews and reports online I find out that they have numerous complaints with others doing the same scam scheme. 

I want this abusive fraudulent behavior and contact to stop immediately and for these companies to be held liable for this conduct. Both companies should be investigated. I will seek legal action against both companies if this does not stop immediately. If they sell my personal information again to any other company legal action will be taken. The original personal information was not provided by me and I question how they obtained my information in the first place. Possible identity theft used to scam. If they report this debt to the XXXX XXXX I will seek legal actions and sue for damages, unfair practices, harrassment, etc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 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: NY

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that i am never late of but they're reporting me as late.

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 2022-12-16 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: AZ

Complaint narrative:
NOTICE AND DEMAND this account is a corporate account with me as a member for signing this servicing company has been on notice before and has removed the erroneous information. This information needs to be deleted immediately it is still to find my personal business and may be repairable see the attached legal 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 2022-12-16 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: AZ

Complaint narrative:
NOTICE AND DEMAND this account is a corporate account with me as a member for signing this servicing company has been on notice before and has removed the erroneous information. This information needs to be deleted immediately it is still to find my personal business and may be repairable see the attached legal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 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: LA

Complaint narrative:
I have sent multiple dispute letters to the bureaus regarding the fraudulent account on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Several weeks ago, I learned that Citibank locks some customers out of their accounts and refuses to release their money even if they show up with an ID. Citibank has procedures that will lock you out of all your accounts without consultation and will bar you from regaining access to your funds for 30-60 days, even if you show up in person with ID. My first notice wasn't a text or email alerting me to fraud. It was an email announcing that my account that I just opened and never used user than for depositing checks was blocked, immediately, and would automatically close, XXXX had no access to the {$2100.00} that had accumulated in my Citi Account. I phoned every number possible and all I get is Non-US based customer service representatives that I can hardly understand. They tell me the account was referred for closure on XX/XX/2022 and that it would take 30-60 days to conclude review. When I opened the account I transferred over {$100.00} then I deposited checks on XXXX ( {$800.00} ) and XXXX ( {$1200.00} ). Citibank took credit from these checks and I verified with issuing banks. This is a predatory business practice. Especially for people who live check to check. I am behind on rent because I can't access my {$2100.00} from that Citibank account. I never even used the card for any transactions so I don't understand how I could've even violated any terms. We are sitting on day 46 out of their apparent " XXXX '' day max review period and I haven't received a single answer from bank in regards to my questions.

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 2022-12-16 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Personal information on my credit is incorrect. 

All addresses and names not listed on the attachment need to be removed. 

This is causes possibly identity fraud/theft DO NOT ASK ME WHICH ADDRESS OR NAMES NEED TO BE REMOVED. ALL ADDRESSES/NAMES NOT ON THE ATTACHMENT NEED TO BE REMOVED 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 non-monetary relief
Consumer complaint received 2022-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In accordance with the fair credit reporting act XXXX  Account # ( Transunion, XXXX, XXXX ) has violated my rights on XX/XX/2018 and XXXX XXXX 15 USC 1681 Section 602 I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as later for purpose.

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 2022-12-16 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: PA

Complaint narrative:
I notified and disputed a incorrect information on various accounts I sent a court order and they refuse to acknowledge 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 2022-12-16 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: LA

Complaint narrative:
I have sent multiple dispute letters to the bureaus regarding the fraudulent account on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.

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 2022-12-16 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: LA

Complaint narrative:
I have sent multiple dispute letters to the bureaus regarding the fraudulent account on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.

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 2022-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
On XX/XX/22, I was defrauded of {$500.00} in a phone scam through Zelle transfers from two bank accounts. One was XXXX checking, the other was XXXX XXXX. The caller pretended to be my utility and demanded emergency payment in order to avoid electric shutoff. Since I authorized the Zelle transfer, it was not covered by insurance. XXXX investigated, and told me that the receiving bank account was at XXXX XXXX XXXX. XXXX XXXX refused to investigate at all, which is habitually poor customer service, but not the subject of this complaint. 

Zelle and XXXX  XXXX XXXX provided the platform for a phone scam that cost my family {$500.00} -- that's one week 's salary -- and there is no way to recover the funds.The scam relies on Zelle 's speed of transfer, and XXXX  XXXX XXXX 's lack of responsibility for how its accounts are used. Both Zelle and XXXX  XXXX XXXX are aware that this scam is rampant and costing their customers dearly. 

Zelle and any banks receiving Zelle funds must be accountable for the fraud committed using their services : they must be required to reimburse funds stolen using their services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I noticed that you all are reporting this bankruptcy on my credit report that Im not aware of and it is inaccurate. Please notify me what is federal court and what is us bankruptcy court. I researched on XXXX and couldnt find either with my name attached. Please delete this erroneous bankruptcy off my credit report. 


I sent letter to XXXX and Equifax and received a stall letter stating that the letter came from someone I was working with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I noticed that you all are reporting this bankruptcy on my credit report that XXXX not aware of and it is inaccurate. Please notify me what is federal court and what is us bankruptcy court. I researched on XXXX and couldnt find either with my name attached. Please delete this erroneous bankruptcy off my credit report. 


I sent letter to XXXX and XXXX and received a stall letter stating that the letter came from someone I was working with.

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 2022-12-16 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: AZ

Complaint narrative:
NOTICE AND DEMAND this account is a corporate account with me as a member for signing this servicing company has been on notice before and has removed the erroneous information. This information needs to be deleted immediately it is still to find my personal business and may be repairable see the attached legal 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 non-monetary relief
Consumer complaint received 2022-12-16 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: IL

Complaint narrative:
I several fraudulent accounts on my report that I disputed as such and wasn't removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I several fraudulent accounts on my report that I disputed as such and wasn't removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

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 2022-12-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One appears to be intentionally obfuscating the dispute process. 

Summary : After 1.5 years of repeated checking and document submission, I have been told that this case was disqualified from the start for being 10 days late to a deadline for which I had no notification. 

XXXX - The merchant submitted false information to dispute the chargeback request. 
XXXX - Capital One did not notify me of a short deadline, by which to submit additional evidence. 
XXXX - I called Capital One and was told to submit more information through email, which I did. 
XXXX - No notifications were given, I called Capital One and was instructed to send more information through email. 
XXXX - I have been following up on this case periodically for 1.5 years. 
XXXX- Again, no notifications. I called Capital One today to follow up and they told me, upon their review, THAT I HAD MISSED THE VERY FIRST DEADLINE BY 10 DAYS and the entire case was disqualified to continue from that point. 

- I have been repeatedly asked to submit information for 1.5 years, for no reason. 
- I have been told that customers who opt-in for electronic documents are never notified, but that the responsibility falls on my shoulders. ( They said I should be frequently checking for documents within a hidden part of the phone app. )

Company response to consumer: Closed with monetary relief