vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-19 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: SC

Complaint narrative:
Please see the attached documents which displays proof that Equifax in fact removed XXXX XXXX XXXX from file. 

This is called reinsertion, and it is a violation of the Fair Credit Reporting Act I was never notified of a reinsertion, as written by the FCRA in which requires that the CRA send you written notice of the reinsertion within 5 day. 

This resinsertion has no validity and no such documentation of validity has ever been sent to me. Equifax needs to comply with the written laws written within the FCRA and I demand that this be permanently deleted from my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$73.00}, {$0.00}, {$0.00}, {$0.00}, {$660.00}, {$570.00}, {$1700.00}. 
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 XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$73.00} -This is not my account. 

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


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


-- COLLECTION ACCOUNTS 6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$630.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened onXX/XX/XXXXwith a balance of {$570.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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 {$0.00}, {$73.00}, {$0.00}, {$0.00}, {$0.00}, {$660.00}, {$570.00}, {$1700.00}.

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

2. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$73.00} -This is not my account. 

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


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


-- COLLECTION ACCOUNTS 6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$630.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$570.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ

Complaint narrative:
On XX/XX/2020 a transaction for {$160.00} was taken from my checking account when the transaction was declined. I spoke with hsbc customer service and was told to fill out dispute form. I downloaded form, completed and returned. Waited 30 days and heard nothing. Called hsbc customer service and after 45 mins of rep trying to find out why my dispute was stopped/cancelled was told I had to fill out different dispute form because it was an ACH withdrawal/payment! Ok downloaded new form, completed and faxed back ( with verbal confirmation of receipt ). Waited 30 more days with no update. Spoke with customer service and told I would receive an email with update. 
On XX/XX/2020 I Received email saying, Upon checking the records we notice that, we have received the form but we are unable to process the dispute as you have not selected an option in the form. 

So I resubmitted the EXACT SAME dispute form because after rereading it I still couldnt figure out what I did wrong ( the hsbc customer rep couldnt figure out what I did wrong or what they where talking about not selecting an option )! THEN when I called to verify receipt of faxed dispute form I was told it was over 60 days and couldnt file a dispute anymore!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: FL

Complaint narrative:
I have repeatedly asked LVNV Funding for proof that they own this debt. The original creditor is not reporting on my credit report. They have not been able to provide an assignment or any documentation that they are the owners of this loan. Please see attached email chain.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PCR Group
State: OH

Complaint narrative:
This collection agency uses tactics and represents themselves as attorneys or law firm as they have themselves listed that way on my credit report. 

They NO longer have an obligation on this debt and they have sold/transferred to an actual attorney firm to which I sent a debt validation letter to almost 30 days ago and have not responded either. 

These collection agencies continue to pray on the XXXX  of people regarding their credit and skate the laws issued by the FDCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC
State: GA

Complaint narrative:
Refusal to provide validation of debt by way of a signed contract bearing my signature in 30 days constitutes a deletion per FCRA. I have sent them and the credit bureaus a letter requesting validation. Capital Accounts have reported to all 3 major credit bureaus that I allegedly owe a debt to them for a company by the name XXXX XXXX XXXX. I have sent them a validation dispute letter with certified receipt # XXXX ( see attachment ) and no response. 
I also reached out to XXXX XXXX XXXX and they stated that they will get back to me on this matter. They later responded by saying they no longer have this account and that their record shows a {$0.00} balance as of XX/XX/2018. They also responded by sending me a Notice of Security Deposit Letter that was addressed to a XXXX XXXX at XXXX XXXX XXXX # XXXX, XXXX XXXX, FL XXXX. In which, I never resided at nor knows a XXXX XXXX. It's funny how they just give anybody with the same name information without verifying if I am that person. Capital Accounts are incorrectly reporting information on my credit file that belongs to someone with a similar name and some unknown person by the name of XXXX XXXX. 
I am tired of going back and forth with the credit bureaus when it's Capital Accounts LLC 's  responsibility to report accurate information to them. At this point, I will not hesitate to take legal action against them for the following : -Violation of the Fair Credit Reporting Act -Violation of the Fair Debt Collection Practices Act - Defamation of Character Please keep in mind that these violations of the law carry a fine of {$1000.00} per violation.

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 2020-10-19 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: KS

Complaint narrative:
I have 2 credit cards that credit one has failed to report to all 3 major credit bureaus that I have paid each month. For over a year I have been paying my two credit one cards, they take my money but fail to report to XXXX and Experian and they have not updated XXXX  since XX/XX/2019.

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 2020-10-19 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: KS

Complaint narrative:
I have 2 credit cards that credit one has failed to report to all 3 major credit bureaus that I have paid each month. For over a year I have been paying my two credit one cards, they take my money but fail to report to transunion and XXXX  and they have not updated XXXX  since XX/XX/2019.

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 2020-10-19 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:
I have 2 credit cards that credit one has failed to report to all 3 major credit bureaus that I have paid each month. For over a year I have been paying my two credit one cards, they take my money but fail to report to XXXX  and XXXX  and they have not updated equifax since XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
Home Depot Credit Services, XXXX. XXXX  XXXX XXXX XXXX, MO XXXX Re : XXXX XXXX Commercial Payment Stub Request for Charged Off Account I am requesting a last statement printout to be mailed to me in order to pay off the total remaining balance on my charged off HD Commercial Account # XXXX XXXX XXXX XXXX. 

I have multiple times attempted to pay off my balance over the phone or through online retailservicescommercial.citi.com ; no one is able to tell me how to pay off what I owe because my account has been charged off they told me. When I had very little money coming in during COVID crisis, Citi bank guys called every week to squeeze out of me any dollar bills I had ; and I paid whatever I could! Now that I got paid by others and business is picking up slowly and have the means to pay you back ; you locked me out of the account and charged me off! I could pay over the phone by giving you a debit card just as I did when I couldnt afford to pay ; but this option is no longer available ; and my online account which I could pay is also blocked. In addition, no bills, no statements and no more letter are coming in or phone calls ; I wish you would call once more so I can pay off my debt. All what I need is a statement with the amount I owe you and I can pay right away ; all the fees up to XXXX XXXXand everything I owe you. So simple. I sent two letters to Home Depot Credit Card services asking for a statement to be mailed and no response. 

Please send me a statement with the total outstanding balance of my Home Depot Commercial account # XXXX XXXX XXXX XXXX of what I owe you.

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 2020-10-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
I wrote Select Portfolio Servicing Inc a letter on XX/XX/2020 informing them to only contact me by mail. 
SELECT PORTFOLIO SERVICES, INC contacted me after such mailing however their first level of communication was not a dunning letter but a demand for money. 
Although I requested communication via mail they did not first request permission to communicate with me or communicate for or any terms/conditions of or for a debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: OH

Complaint narrative:
Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your prompt assistance in 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 2020-10-19 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: OH

Complaint narrative:
Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX Thank you for your prompt assistance in 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 2020-10-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax credit bureau is practicing Deceptive practices. I have provided three written requests to ask for six ( 6 ) different inquiries be removed from my credit report I DiD Not Authorize. Equifax CONTINUES TO REPORT THESE INQUIRES. I was affected by EQUIFAX data breach in XXXX as well as two other breaches. My credit file and personal information was compromised. I informed Equifax as recently as XX/XX/XXXX to remove the following Inquiries. One company ran my file 3 times on the same day. I did not authorize this. Also Equifax is lowering my score with each credit dispute. 
XXXX XXXX - Date of Inquiries : XX/XX/XXXX XXXX XXXX- Date of Inquiries : XX/XX/XXXX XX/XX/XXXX XXXX XXXX - Date of Inquiry : XX/XX/XXXX XXXX XXXX  - Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX  XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX - Date of Inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: ME

Complaint narrative:
XXXX XXXX has charged a total of {$3400.00} to my credit. I did not have a lease with them. They do not have any information about this when I call. I rented month to month from them in XXXX and XXXX. I moved out in XX/XX/XXXX, after a 60 day written notice. The rent was {$750.00} a month. There is no way I would have accumulated {$3400.00}, that's nearly 5 months of rent. Fair Collections and Outsourcing is now the debt collector in charge of this account. They continue to update my credit report every month to make it look like I'm missing payments on an account that is to be dropped from my credit in a matter of months. Also, I've never made a payment arrangement with them, as this is NOT my debt. It is an illegal thug tactic by a slumlord to weasel me out of more money. 
They've also messed up the date the account was opened. If I left in XXXX, the start date for the account should be XX/XX/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 explanation
Consumer complaint received 2020-10-19 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:
There was companies that are reporting on my credit report that do not belong there. 
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 2020-10-19 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: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I lived at XXXX XXXX  and was forced to open utility services prior to my move in. When I moved out in XXXX of XXXX, the apartments allowed new tenant to move in without utilities being set up or verified, and the new tenant charged their electricity services to my account until XX/XX/XXXX when I realized I was being charged {$500.00} per month for their usage. The apartments never had the new tenant pay for the amount due from them, or verify with XXXX  that I moved out. I did Disconnect services when I moved out because I had to change my move out date once. There is now a {$420.00} collection reported to my credit report, even after I verified I didnt live there. Ive never been reimbursed for the charges made in the first place, and now XXXX  is even attempting to collect a debt I was never responsible for and this was verified via phone call with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: TX

Complaint narrative:
XXXX  credit bureau is practicing Deceptive practices. I have provided three written requests to ask for six ( 6 ) different inquiries be removed from my credit report I DiD Not Authorize. XXXX CONTINUES TO REPORT THESE INQUIRES. I was affected by XXXX  data breach in XXXX as well as two other breaches. My credit file and personal information was compromised. I informed XXXX  as recently as XX/XX/XXXX to remove the following Inquiries. One company ran my file 3 times on the same day. I did not authorize this. Also XXXX  is lowering my score with each credit dispute. 
XXXX XXXX - Date of Inquiries : XX/XX/XXXX XXXX XXXX- Date of Inquiries : XX/XX/XXXX XX/XX/XXXX XXXX XXXX - Date of Inquiry : XX/XX/XXXX XXXX  XXXX - Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX - Date of Inquiry : XX/XX/XXXX XXXX XXXX - Date of Inquiry : XX/XX/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 explanation