vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Effected by covi d 19.

Contracted XXXX XXXX in XX/XX/XXXX, was effected until XX/XX/XXXX. It's still an ongoing battle struggling with my XXXX health which took a hit as a result of hardships created by covid 19. After loosing my job in XXXX because I caught XXXX  and it wasn't really a thing yet that employers understood or recognized then. I became XXXX and have been under the care of doctors since that time. I have no memory of opening this account or making payments towards it. I have asked for verification from XXXX that I opened the account. They have sent me zero evidence that I opened the account. Their only response was that it was an online application, but sent me zero verification that I opened it. If they could prove to me that I opened it, that I spent money on that card, and that this wasn't the result of identity theft I would gladly make arrangements to pay it, and ask that they respect the cares act, and remove all late payments .... BUT first I need verification from XXXX that I actually opened the debt. During this same time frame there was another credit card that was opened and investigated that was the result of identity theft. I am a verified victim of identity theft, and would appreciate the added assistance I need to verify the debt is legitimate from XXXX. I do not feel that this is too much to ask. Especially for one effected by XXXX  and identity theft all at the same time. Thank you in advance for the help you gave me during these extremely troubling times.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: TN

Complaint narrative:
XXXX, XXXX and XXXX, I contacted all three credit bureau 's and asked for them for debt validation but it came back as verified. I contacted XXXX for debit validation because the reporting is inaccurate and they advised me that their system didn't go back for my account due to it being with Jefferson Capital Systems. I then contacted them and was told that there is no payment needed on the account and that the account has been paid to an 0 balance since XX/XX/2017. They also stated that they notified the company so the debt can be removed off of the credit report. The rep stated that she will send me a letter for proof. I received the letter and contacted XXXX once again then was told I needed to contact the three credit bureau 's. I contacted them and they updated my credit report incorrectly again. I have been battling with all five for the last three months and I need this account to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Effected by XXXX XXXX 

Contracted XXXX XXXX in XXXX of XXXX, was effected until XXXX of XXXX. It's still an ongoing battle struggling with my XXXX  health which took a hit as a result of hardships created by XXXX XXXX  After loosing my job in XXXX because I caught XXXX  and it wasn't really a thing yet that employers understood or recognized then. I became XXXX and have been under the care of doctors since that time. I have no memory of opening this account or making payments towards it. I have asked for verification from XXXX that I opened the account. They have sent me zero evidence that I opened the account. Their only response was that it was an online application, but sent me XXXX verification that I opened it. If they could prove to me that I opened it, that I spent money on that card, and that this wasn't the result of identity theft I would gladly make arrangements to pay it, and ask that they respect the cares act, and remove all late payments .... BUT first I need verification from XXXX that I actually opened the debt. During this same time frame there was another credit card that was opened and investigated that was the result of identity theft. I am a verified victim of identity theft, and would appreciate the added assistance I need to verify the debt is legitimate from XXXX I do not feel that this is too much to ask. Especially for one effected by XXXX  and identity theft all at the same time. Thank you in advance for the help you gave me during these extremely troubling times. 

EQUIFAX DONT GIVE ME ANY GRIEF ABOUT MY ADDRESS, I RECENTLY APPLIED FOR CREDIT WITH NEW ADDRESS. UPDATE YOUR SYSTEM! DONT DENY ME ACCESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Between, XXXX, Transunion and XXXX  is a violation act of the XXXX Reporting inaccurate date last active or last payment are not the same in each credit bureau

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 2021-06-16 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: NY

Complaint narrative:
Between, XXXX XXXX and XXXX is a violation act of the FDRA Reporting inaccurate date last active or last payment are not the same in each credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I applied for a CareCard back in XXXX of last year. I was given a credit limit of {$1000.00} I used this card to get some dental work. Since i got this card, I have never been late, and I have made all of my payments on time. On XXXX of this year without any explanation, they reduced my credit limit from XXXX to XXXX causing my credit untilization to go up, causing my credit to down my XXXX points. I called the customer services and the agent informed me that I was going to get a letter explaining what happen. I never received the letter. 

I made the decision that I was going to paid the balance on this card and closed. Today, I got a statement indicating that they are charging me XXXX in interest rate. making my card to go over the credit limit. I called customer services and after waiting for 1 and 12 minutes, I was told that if I paid {$250.00}, they will removed the {$360.00} interest in my card. THAT DOES NOT MAKE ANY SENSE TO ME!

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 monetary relief
Consumer complaint received 2021-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am a victim of identity theft

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 2021-06-16 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: CA

Complaint narrative:
In XXXX, we obtained a loan in the approximate amount of {$260000.00} through XXXX XXXX XXXX secured by our principal residence at XXXX XXXX XXXX XXXX, XXXX XXXX, CA. From loan inception until sometime in XXXX, the loan was serviced by XXXX XXXX. We set up auto-pay through XXXX XXXX XXXXXXXX paying : {$2200.00} ( principal and interest of {$170000.00}, plus {$500.00} additional principal ), then in XXXX, {$2500.00} ( principal and interest of {$170000.00}, plus {$700.00} additional principal ), then in XX/XX/XXXX, {$3000.00} ( principal and interest of {$170000.00}, plus {$1200.00} additional principal ). 

In XXXX, XXXX took over as the loan servicer. Instead of applying the additional as principal pay-down, XXXX applied the additional principal payments towards future loan payments due. In XX/XX/XXXX, I noted the next payment was not due until XX/XX/XXXX. I immediately contacted XXXX explained the situation and was assured it would be handled. Email dated XX/XX/XXXX from XXXX attached. 

Unfortunately, it was not handled. XXXX did not auto pay itself for XXXX. 

XXXX XXXX has a credit score service that allows members to check your credit scores periodically. Our credit score went from XXXX in XXXX and XXXX in XXXX to XXXX in XXXX. It has taken us our entire working lives to build a credit score of XXXX. According to the credit report, there is only one reason for the credit score to a fallen XXXX points. 

I have contacted XXXX on two occasions. On each occasion the XXXX representative acknowledged the error and advise that it would correct the information to the credit reporting agencies. XXXX has done nothing in terms of submitting any information to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5300.00}, {$0.00}, {$5800.00}, {$0.00}, {$0.00}. 
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 ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5300.00} -This is not my account. 

2. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. CAPITAL ONE BANK USXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5800.00} -This is not my account. 


-- AUTO LOANS OR LEASES 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: IL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: AR

Complaint narrative:
Back in XXXX my credit score with Equifax was XXXX, in XXXX it decreased by XXXX to XXXX, in XXXX it increased by XXXX pts to XXXX, in XXXX it decreased by XXXX pts to XXXX give or take. When I called Equifax, the Equifax representative could not explain what happened. There is no reason for my credit score to decrease like this. According to a source that I use, it showed me that the reason for my Equifax credit score decrease was because of my XXXX/XXXX  Account Number XXXX, it showed that the date reported in XXXX was XXXX and in XXXX it was XXXX. The other Account is XXXX, Account XXXX XXXX, the date reported in XXXX was XXXX, the date reported in XXXX was XXXX. 

I noticed that these accounts were put in a bankruptcy back in XX/XX/XXXXalone with some other accounts and I believe that these accounts may be getting re-aged by the different dates I noticed Equifax are putting in them, I disputed these accounts, because they are not showing accurate information concerning dates and balances even though it was filed in a bankruptcy, but this should not cause my credit score to go down. I did the same thing with XXXX  and my credit score has only gone up. 
I have disputed the inaccuracies with these accounts that were put in bankruptcy more than once and it is still showing inaccurate and incomplete information. The same amount my credit score has decreased with Equifax, it should have increased by the same amount, my credit score should be in the XXXX at this point, I have not been late on paying any of my bills, my revolving accounts are paid on time and they have been paid down some more, my installment accounts have consistently been paid on time and more. 

Documentation of proof can be provided upon request if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The credit bureaus have furnished and reported an inaccurate account on my credit report by XXXX. I have sent multiple letters regarding the violations on my report keeping me from obtaining more credit and ruining my reputation. The account is a FDCPA section 807 violation misleading false reporting the last payment date, the balance, the reporting date, last active and date opened are all incorrect and not the same.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: CA

Complaint narrative:
The credit bureaus have furnished and reported an inaccurate account on my credit report by XXXX. I have sent multiple letters regarding the violations on my report keeping me from obtaining more credit and ruining my reputation. The account is a FDCPA section 807 violation misleading false reporting the last payment date, the balance, the reporting date, last active and date opened are all incorrect and not the same.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revco Management, LLC
State: CA

Complaint narrative:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-16 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: KS

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: BCA Financial Services, Inc.
State: FL

Complaint narrative:
In XXXX, XXXX I pulled my three main credit bureau reports. I noticed a collection for a BCA Financial Services , INC . I have never heard of them before. I sent them a letter on XX/XX/XXXX requesting information regarding this debt and proof that it was mine. They sent me a copy of a bill for XXXX XXXX from XXXX. Just had my name, my old address, and an address that I have never seen or lived at before. I did not vacation with XXXX in XXXX so I knew right away this was not my bill. I sent another letter ( XX/XX/XXXX ) asking for more detailed information. I asked for a signed contract, a photo of my ID that I may have given, or even more detailed information. Again, they responded with the same bill. 

Upon my research, there are MANY, MANY people with my name around the USA. So, giving it another shot, I wrote them a third time ( XXXX XXXX ) giving them one more chance to provide actual proof this debt belonged to me. As of XX/XX/XXXX, I have not received a response from BCA of any kind. 

Each time, I asked they remove this erroneous account from my credit. This does not belong to me and it is affecting my credit rating which I have worked so hard to improve and maintain. If they can not provide more proof than a general bill, then this case should be closed. They are violating the FCRA for reporting incorrect information, and now for not responding within 30 days. 

I simply ask this to be removed from all bureaus immediately so we can lay this to rest. I don't want to seek further action. BCA has not done their due diligence in regards to this matter. They have not responded properly to my requests. They have not provided valid proof of this debt belonging to me. Since they have failed to do all of these things, they are required to remove this from my Credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
I have already notified Comenity Bank that this credit card was opened without my knowledge or consent. I don't know nor ever had the account number and the fraud department would only give me the last four numbers which are XXXX. My now estranged wife had used my social security number behind my back to open multiple credit cards without my permission. She is a XXXX XXXX  / XXXX XXXX and I have had to file for divorce because of this. I have been severely and maliciously defrauded by her. I am not responsible for the debt that she has incurred in my name. I am a victim of identity theft. XXXX has even recognized this and deleted their XXXX entry from my credit profile. A police report was submitted to the XXXX XXXX Police Department on XX/XX/2020. I have found out that there are 7 other police reports with her as the suspect of fraud / theft.

Company response to consumer: Closed with explanation