vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: CT

Complaint narrative:
XX/XX/XXXX I transferred my cell phone services from XXXX to XXXX XXXX. To do so there had to be existing debt owed on current service of which I had none. 

Subsequently I have received numerous collection notices appear on my credit report and of which all were resolved and withdrawn, The latest being as early as XXXX of which it was withdrawn. 

Now, on XX/XX/XXXX I received a new collection notice from a new agency called JEFFERSON CAPITAL, LLC, XXXX XXXX XXXX, XXXX XXXX, MN XXXX, phone number XXXX. Debt description : XXXX. ACCOUNT # : : XXXX ; JCS REFERENCE # : XXXX AND AMOUNT OF DEBT : XXXX. 

I disputed the debt through the company on or about XX/XX/XXXX and received a response back mail dated XX/XX/XXXX that I stated more information was need and I responded by phone and was told that I needed to obtained documents from XXXX. In addition to the correspondence of XX/XX/XXXX then received another correspondence dated XX/XX/XXXX that stated that I had 30 days to prove the debt was not mine. 

I went to the XXXX Corporate store and was unable to obtain any records to validate my dispute, The store manager then contacted the XXXX management and I we were unable to obtained any records of existing debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: SC

Complaint narrative:
I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and the transactions I dispute was opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: PA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Social Security # XXXX DOB : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX, Texas XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX, PA XXXX XXXX NON-FCRA OPT-OUT TAKEN - HARD INQUIRIES DISPUTES : I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is bot 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the XXXX Edition of the Privacy Act published by the XXXX Department of Justice. 
LISTINGS OF ALL HARD INQUIRIES I DISPUTE AS DAMAGING TO MY CREDIT PORTFOLIO PLEASE DELETE THE FOLLOWING UNAUTHORIZED INQUIRIES : WF XXXX XXXX XXXX  XXXX XXXX, NM XXXX XX/XX/XXXX IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS SUCH AS XXXX XXXX AND XXXX XXXX. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASSE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated. 

Thank you for your full consideration in this matter. 


Sincerely, XXXX 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 2021-05-11 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: IL

Complaint narrative:
I have 2 bankruptcies show on my Trans Union credit report .I contacted the court they stated they DO NOT share any information with third party.So how is it Transunion continuously stating it has been verified. Through WHOM?

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 2021-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I received a U.P.S. envelope dated XXXX was addressed to my current address. 
The letter inside had different address, and stated that my credit card account, wrong acct #, with a balance of {$360000.00} was acquired by Midland credit management on XXXX. 

Prior to receiving this statement, we were called on numerous occasions at all times of the day and night regarding this bill. We had told them that it was NOT my bill!!! I called XXXX  and XXXX XXXX as to the status of my account, and was told I had a zero balance and do not pay any money to Midland! 

After receiving the letter, I called XXXX XXXX and they cancelled my Account and issued me a new account It is now XX/XX/2021 and this issue still remains. I have disputed this bill with XXXX XXXX on XX/XX/2021 and is still in process.Est completion date is XXXX XXXX I am still rec. calls from Midland, telling me to file police reports fed trade reports and give them numbers. 


THIS is all a mistake, the original address was wrong, the credit account number was wrong!!!!! The only thing that was rifgt was my name!!!! 

Since midland has been involved my credit score has been lowered m bank has frozen my equity loan and I am constantly harrased with phone calls from midland!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-11 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: VA

Complaint narrative:
I have an ID Notify credit monitoring account with Equifax due to the XXXX hack of a few years past. My Social Security Number was among those hacked. After that hack, I ended up with all kinds of impersonators. It seemed for a while that every other month a credit firm contacted me about an attempt to use credit in my name. I keep a folder of just that correspondence. 

After being responsible for such a hack, Equifax should work to protect me, not allow a scam using my good name and credit. This is not the case. 
In XXXX I found a negative and damaging report on my ID Notify site. 

The claim is that I owe {$4300.00} to XXXX XXXX and the collection agency XXXX XXXX XXXX of XXXX PA XXXX, ( XXXX ) XXXX, has reported the outstanding debt to the credit bureaus. 

I finished school nineteen years ago. Ive never heard of XXXX XXXX XXXX XXXX XXXX XXXX before now, and neither one has ever corresponded with me. How did it get in collections? Obviously neither knows a thing about me like my address or phone number. Ive had both for 6 years this Fall. How did they approve credit in my name? Isnt this disconnect obvious to Equifax? 

After a few weeks they sent me a letter stating that the negative report stands. This is not my debt. 

I tried to log in to the Equifax online site to address this issue, but my ID Notify Username and Password do not work there. I provided my Birthdate and my SSN to get an email reminder. Equifax sent an email to XXXX. I have NEVER had a XXXX email. So Equifax gave my info to the XXXX  and has an email address for me I have never had? I see from their attached credit report they have me as having lived in or operated businesses in XXXX and XXXX. I visited XXXX for my sons graduation from XXXX XXXX XXXX. Ive never been to XXXX. Then Equifax has the audacity to attach a negative report to my credit and refuse to amend it because the collection agency is sure it is me. Equifax cant even get my info right except what they gave the XXXX How do I prove it is not my debt if I have never heard of any of these organizations in my life? How do these credit agencies get the power to ruin ones life? 

The report they sent me said I have options. I turn to your offices because to deal with Equifax has become nothing more than an exercise in futility. Please help me remove the negative and unjust report from my credit report. I have worked so hard to have good credit, and just when I need it most for an auto loan, this blow to my credit comes out of nowhere to ruin my good credit and good name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: DYNAMIC RECOVERY SERVICES, INC.
State: NY

Complaint narrative:
Constant daily telephone calls to my house for months asking for XXXX XXXX when they have no idea whether she lives here or not. They are fishing for that answer. She does not live here but they don't care. They will call and call regardless

Company response to consumer: Untimely response
Consumer complaint received 2021-05-11 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: VA

Complaint narrative:
On XX/XX/2021, I send a letter to Experian, XXXX XXXX and XXXX XXXX from US Bankruptcy Cout saying they did not report to the following companies.

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 2021-05-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hello, I have been a loyal customer of Capital One, I have consistently paid my bill on time and I have a credit card and car payment. Capital one recently prevented me from paying my credit card bill, it barred me from logging into my account and paying online. It did so despite logging in with the same IP address as always and getting the password correct. As result of Capital One barring me from making a payment, I incurred a late fee. 

I proceeded to attempt to pay over the telephone, however Capital One unlike every other credit card company does not have an automated payment over the phone, capital one requires you speak to customer service. Capital one incredibly then refused to process my payment, claiming that they had to right to refuse payment because I was " rude ''. This is pretext. As result of Capital One 's actions I have incurred late fees on my account, eventually I was able to pay online after I replaced my cell phone and retrieved my prior number, something which took several weeks. 

I would like the CFPB to investigate Capital One, I have read accounts of the same problems from customers online where Capital One arbitrarily denies the customer the ability to pay and then they incur late fees and sometimes their account becomes delinquent. Capital one profits from late fees and other fees when customers are unable to pay their bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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 — Investigation took more than 30 days
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I review a current copy of my credit report and show dept of XXXX showing late payment to student loans. Currently, I have never been late and I sent mulitple dispute inquiries with no successful updates and have past the require timeframe per FCRA. Please delete account of my credit report listed below. 

DPT ED/NAVI Account number : XXXX XXXX DPT ED/NAVI Account number : XXXX* DPT ED/NAVI Account XXXX DPT ED/NAVI Account XXXX DPT ED/NAVI Account number : XXXX DPT ED/NAVI Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I reviewed a current copy of my credit report and show inaccurate on incomplete information listed. Below is account that is to be delete to credit report. the creditor and credit bureau as failed to comply with response to alleged account per FCRA. Please delete. 

US DEP ED Account number : XXXX US DEP ED Account number : 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 2021-05-11 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I review a current copy of my credit report and show dept of XXXX showing late payment to student loans. Currently, I have never been late and I sent mulitple dispute inquiries with no successful updates and have past the require timeframe per FCRA. Please delete account of my credit report listed below. 

DEPTEDXXXX Account number:XXXX**** DEPTEDXXXX  Acoount number:XXXX**** DEPTEDXXXX Account number: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 2021-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: TN

Complaint narrative:
I had a mobile bank account w/ Simple. BBVA, who owns Simple, shut down Simple and planned on converting Simple customers to plain BBVA customers. This was a manual process that was requested of us ( the customers ) on XX/XX/XXXX the Saturday before XXXX XXXX XXXX. The process failed for me. I received multiple errors during the process, I am now completely locked out from viewing my account balances. 

I have received no update from the company on how to address the problem. I have been trying to call their customer services line 3 days straight now, and every single time the phone disconnects. I have yet to speak with anyone about this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: AL

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX, XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 4. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2020 my wife and I are senior citizens and were victims of a fraudulent transaction. We both attended a presentation in XXXX XXXX, Floriday by XXXX XXXX XXXXXXXX  of XXXX  Missouri. As a result of fear and high pressure tactics over more than 3 hours, we were forced to sign a contract in the amount of {$17000.00} to exit 2 timeshares for which we had originally paid {$15000.00}. The transaction included charging {$3000.00} to an existing Chase credit card in the name of my wife, XXXX XXXX XXXX, and then opening up 2 new credit cards of {$7300.00} each with XXXX XXXX XXXX in my name and with Chase in my wife 's name, for a total of {$17000.00}. The premise was that our children would be liable for thousands of dollars of maintenance fees which would be taken from their estate after we were deceased. We were assured that the intire process consisted of sending a form letter to the timeshare companies to which they were legally obliged to respond, and that the entire process should only take about 90 days. In the event of a rare problem, it might take up to a year, but thay were offering us a money-back guarantee. We signed the enclosed documents, and I began following up monthly at the Call Center telephone number at XXXX XXXX XXXX that they had given us. Each time I was told that the timeshare companies had not responded to their letters. In XXXX, I called 3 times and could not get any reply so I became alarmed. I then began a XXXX search and discovered that XXXX XXXX XXXX was part of number of timeshare exit companies being sued by the Attorney General of Missouri for fraud, including XXXX XXXX XXXX. I then opened disputes with the 3 credit cards. XXXX XXXX XXXX resolved the dispute in my favor within a month and refunded to me {$7300.00}. Chase did not. After 4 months our dispute was denied with no explanation. Enclosed please find a copy of our contract, a news report showing that the Missouri Attorney General is suing XXXX XXXX XXXX ( among others ) for fraud, and a letter from the Missouri Attorney General referring our complaint to the Enforcement Unit for action. 
The XXXX XXXX XXXXn Group and its afilliates XXXX XXXX XXXX  and XXXX XXXX XXXX  are parts of a criminal racketeering enterprise which has defrauded hundreds of seniors of their lifetime savings. I demand that Chase refund our money immediately. 
Since XX/XX/2020 we have received no communication from XXXX XXXX Protection of any actions taken by them to resolve this issue, including documentation of escrow funds ( as requuired by law ) nor any correspondence to and from the timeshare companies. I am reporting them to the FBI for prosecution and to the Attorney General of Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Wilber and Associates, P.C.
State: VT

Complaint narrative:
On XX/XX/2021 I received a phone call from Wilber and Associates claiming I was being sued the value of over {$4200.00} for an accident that happened some months earlier I seen the pictures I sent there's no way the damage cost {$4000.00} to repair this insurance agency also never made any attempt to contact me or the owner of the vehicle regarding this claim before they sold it now this agency is threatening to suspend my license and the license of the person who insured the vehicle if I don't pay for what I know this is a violations of FDCPA As its course of manipulative and hostile.

Company response to consumer: Closed with explanation