vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I never signed a contract with this company. Im not sure where they came from and it just appeared on my credit report.

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 2020-12-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: MA

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 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 2020-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
This account appeared on my credit report and I dont now how it got there or where it came from. I did not sign a contract with 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 2020-12-13 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: FL

Complaint narrative:
I have written and called all three credit agencies regarding the inquiries on my reports ... They have still not removed the unverified accounts ... 

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be deleted immediately.

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed.

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 2020-12-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have written and called all three credit agencies regarding the inquiries on my reports ... They have still not removed the unverified accounts ... 

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be deleted immediately. 

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed.

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 2020-12-13 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: Ocwen Financial Corporation
State: CA

Complaint narrative:
This is 2nd complaint about the loan modification flag on my credit for the months XXXX and XXXX. The company responded that they made a mistake in XXXX. But has not corrected XXXX. I have not requested a loan modification. The company sent me a letter acknowledging their error for XXXX but has not sent a letter acknowledging the XX/XX/XXXX issue. The XXXX report is the same type as the XXXX and XXXX errors and is evident by way of their own written notice to me admitting the error they made the same error in XXXX and XXXX. Attached is the letter as well as the credit reporting for XXXX. In the letter they state they are reporting the loan u der a non governmental plan for XXXX, this is not correct. Please see the credit alert attachment clearly states " LOAN MODIFICATION " as of XX/XX/XXXX. PLEASE CORRECT YOUR ERROR AGAIN. These fraudulent reporting is negatively affecting my credit. What is my legal recourse? At what point does this become fraudulent!! At what point do their action become criminal. Please contact me with legal recourse I formation CFPB.

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 2020-12-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I bought a car at the car lot, from a dealership in XXXX on XXXX XXXX XXXX, called XXXX XXXX. XX/XX/XXXX i purchased a XXXX XXXX XXXX. The bank that financed me was XXXX XXXX XXXX in XXXX XXXX XXXX XXXX XXXX ca XXXX. There phone number is XXXX. I drive off the lot with the XXXX XXXX XXXX. The car broke down less than a hour of buying it. I took the car back to the lot and gave it back to them. They insured me they would fix the car. Long story short a week goes by I don't hear from two weeks go by I don't hear from them and all of a sudden they went out of business. They had my car and my money that I put down for the deposit. I later found out that the same company that ripped me off kept a bunch of other people 's diwn payments. Now this car is sitting on my credit when I disputed it over and over and over, that i was scammed.

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 2020-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
You never read my last complaint. You submitted a canned response that was completely incorrect. I will keep failing these until you answer my question.

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 2020-12-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Continental Finance Company, LLC
State: NY

Complaint narrative:
I had closed my credit card with ContinentalFinance and they sent me a refund check-XXXX for {$50.00} which bounced onXXXX and i was charged {$15.00} for the check bouncing.I wrote to Continental finance at their XXXX, DE and requested a {$15.00} refund for the bounced check two weeks ago-never received a response from CDontinental. I would like to be refunded {$15.00}.

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 2020-12-13 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: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
On XX/XX/2020 Consumer Adjustments company added a derogatory mark on my credit report identify by XXXX XXXX. 

Upon researching, this account was transferred/sold and Im no longer responsible for this account. 

CACI didnt verify this collection. I requested on XX/XX/XXXX that XXXX XXXX a representative of CACI provided me with documentation that Validates my debt. 

As of today she has only provided me with a bill! A bill without a written signature does not validate the debt and anybody can send a bill and say its mine. 

According to the FCRA, CACI has violated my rights as a consumer and Im requesting legal action to remove this account immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
This complain is the same against Synchrony bank with Paypal and it is regarding the previous complaint on file : XXXX After all the proper documentation presented ( documentation send to them by me and also by your involvement on file XXXX ), I received an email indicating resolution of the case ( I am sending copy of this ) ; After this last letter I also canceled the credit card and I obtained a letter with this cancelation ( with XXXX balance ) Now again I just received an inquiry about the same purchase, asking me if I want to start a dispute ( I am also including this letter ). 

You and I already sent all documentation and the case was resolved. It is like they are ignoring all previous information and resolution.

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 2020-12-13 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: CA

Complaint narrative:
I recently filed a report with XXXX, XXXX, and Equifax of inaccurate items being reported on my credit reports. XXXX and XXXX removed the above mentioned item once an FTC Report and documents to verify my identity were sent. Equifax did not. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of these debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being report on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipt otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by the Fair Credit Reporting Act and Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: MA

Complaint narrative:
There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't XXXX sued by Cfpb before for not applying payments to consumers accounts correctly?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. 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 2020-12-13 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: CURO Intermediate Holdings
State: TX

Complaint narrative:
On XX/XX/2020 Ad Astra recovery added a derogatory mark on my credit report identify by XXXX XXXX. 

Upon researching, this account was transferred/sold and Im no longer responsible for this account. 

Ad Astra hasnt verified this collection. I requested on XX/XX/XXXX and XX/XX/2020 documentations that Validates my debt. 

As of today Ad Astra Recovery has only provided me with a bill! A bill without a written signature does not validate the debt and anybody can send a bill and say its mine. 

According to the FCRA, Ad Astra Recovery has violated my rights as a consumer and Im requesting legal action to remove this account immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Bureau, Inc.
State: PA

Complaint narrative:
This is a Florida unemployment some XX/XX/2018 the manager at XXXX that then which is also known as XXXX approved my unemployment and then within three months later theyre telling me that I have an overpayment the amount was {$1600.00} now theyre saying are all {$1500.00} why should I have to pay if I did nothing wrong and it was approved the unemployment it is very difficult trying to get a hold of Florida unemployment department in XXXX I want to see the original application and their decision which proved that high was able to receive I do not feel after almost 3 years I have to pay for somethingAnd if I do I asked for a settlement amount and the collections department you see XXXX tells me they do not do sentiments all care about hardships

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I just tried to install a credit freeze in my Transunion account. Their website is deliberately blocking me from doing this. Although I can log their website, their Credit Freeze link directs me back to their login site, which then does not recognize my login information. 
Setting up a Credit Freeze was trivial for XXXX  and XXXX. In my experience, this is not an accident, Transunion is deliberately making it more difficult to setup a Credit Freeze, which they are legally required to do. 
Thank 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 2020-12-13 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: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I have been trying to work with you and figure out whats going on Ive had no direct communication youve sent no letters or anything like that explaining what youre doing But from what Im gathering from XXXX XXXX in my credit reports there were four accounts open fraudulently they apparently were all opened with the exact same information youll me into the accounts you agreed that it was fraud and that I did not open these accounts and you have close them the other two accounts it looks like you close them but youre saying it wasnt fraud? 

XXXX XXXX Account Number Ending in XXXX XXXX  XXXX XXXX Account Number Ending in XXXX Lowes XXXX Card  Account Number Ending in XXXX XXXX XXXX Account Number Ending in XXXX So youre claiming that the Lowes card belongs to me and the XXXX XXXX card belongs to me but I dont really understand how or why do you think that he said something about receiving payments on the Lowes card but I never made any payments to you do you want to see copies of my bank statement youll see that Ive made no payments to you not just this card but any of the cards listed above in reviewing my credit reports I see multiple fraudulent addresses that do not belong to me nor did they ever belong to me and Im wondering are those the addresses that youre sending everything to? Because Im not getting anything in the mail I cant Im just a little confused if you have the exact same information for all four of the accounts how can you decide the two of them were fraudulent and two of them were not it just makes no sense at all

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