vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-25 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: PA

Complaint narrative:
I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 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: TX

Complaint narrative:
In XXXX I disputed a collection account with all three credit bureaus. The collection account was called XXXX XXXX XXXX. The account was deemed inaccurate and unverifiable by all three credit bureaus and deleted from my report. Just recently in XXXX of XXXX I rechecked my credit report and the collection account was re-added to my reports with no notification of such from the bureaus. I submitted on XXXX XXXX a letter of the FCRA section 611 ( a ) ( 5 ) ( B ) violation due to no notice of the reinsertion and received no reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
This communication is a follow-up in regards to closed complaint XXXX Southwest Credit Systems, L.P.is in clear are violating federal laws against my person and natural person and of the FDCPA Laws. From their previous response to my original complaint, there is a clear admission of guilt. The Affidavit of Truth, debt validation form/letters, and correspondence, as well as exhibits, have all been ignored. 

Southwest Credit Systems, L.P. responded by sending a letter with absolutely no information and did not include the requested information from any of the correspondence sent out with certified mail validation. This included NO notarized under penalty of perjury Affidavit of Truth responding to my Affidavit of Truth line by line signed by the CEO, CFO, or any superior of Southwest Credit Systems, L.P., NO completion of the debt validation form, I have yet to receive validation on behalf of the account with any contract bearing my signature stating I would be responsible to pay any debt to Southwest Credit Systems, L.P., LLC or any company that they represent and whom I have no contract with for an alleged debt I do not owe. Instead, I have received numerous debt collection attempts and itemized report statements as " proof '' that said debt has been validated from the " original creditor '' XXXX and which per FCRA/FDCPA does not constitute verification. Please note that on XX/XX/2019 the CFPB released its Fair Debt Collection Practices Act Annual Report and it stated the following : The Bureau notes that one or more debt collectors continued collection activity despite not properly obtaining and mailing debt verification after a consumer exercised his or her 1692g rights. Specifically, the Bureau calls out the practice where debt collectors forwarded consumer debt validation requests to the relevant clients, who mailed responses directly to the consumers. Section 809 ( b ) of the FDCPA requires a debt collector, upon receipt of a written debt validation request from a consumer, to cease collection of the debt until IT ( meaning the collection agency ) obtains verification of the debt and mails it to the consumer. Examinations found that one or more debt collectors routinely failed to mail debt verifications before engaging in further collections activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: NY

Complaint narrative:
Enhanced Recovery Co had contacted me multiple times in regards to a debt I have no clue about nor had any involvement in. They consistently called in times inconvenient for me. I had sent them a debt validation request and everything requested was ignored instead they sent me a bill and what looks like what would be a contract to agree to pay them. I will attach the first debt validation letter sent by me with proof of it being sent via certified mail. I will also attach their invalid response to my request listed with violations made by them and an affidavit of truth sent by me on XX/XX/21.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Several years ago i had signed up for credit monitoring via Experian, and they were charging my XXXXXXXX XXXX ~ $ XXXX. I started trying to cancel the service about 6 mos. ago. After several attempts leaving messages on their phone system, i tried Experian.com and canceled my membership, receiving an EMail on XXXX that my account was cancelled. However, I continued to receive monthly charges on my credit card for XXXX and XXXX. When i called their automated phone system and entered my information I was informed that i did not have an account. I contacted their online Chat Assistant, who indicated that there was not a record of my having been billed for or enrolled in paid credit monitoring services at any time. She provided an EMail address for customer billing ; I emailed them on XX/XX/XXXX explaining the situation, provided all documentation and requesting that they stop the charges, but received no response. After receiving another charge, I Emailed them again XX/XX/XXXX. They responded that they wanted to call me and asked for a time window. They called on XXXX, but i was not able to answer ; they left a voicemail with no callback #, asking me to give them another time window. I emailed and gave them several time windows but also told them to just stop charging me. This cycle repeated again where they called once, left no callback #, then did not call again. Meanwhile they have continued to charge my credit card each month. I filed a dispute w/XXXX in XXXX ; they told me that as of XX/XX/XXXX Experian has not responded to any of their requests for information about the charges

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 2021-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Colony Brands, Inc.
State: NY

Complaint narrative:
Hello, I've been in contact with XXXX XXXX for months trying to resolve this issue. 

It started with them denying me credit despite my good standing with their company. Also, they've canceled orders without cause. And, currently the situation has escalated to them now refusing to report my solid credit history to the credit bureaus despite them advertising this on their website ( s ) AND repeatedly telling me in writing and verbally that not only would they but that it is part of their business model that they willingly adopted. Still, several months have passed without them reporting my good credit history. Equally infuriating is that if my credit was poor then they'd been efficient about reporting it to the credit bureaus. A lot of time has been lost because of their intentional negligence and as such there's been direct negative impact to my credit score/history. 

My correspondence with XXXX XXXX has been with multiple representatives via email and phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 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: EQUIFAX, INC.
State: LA

Complaint narrative:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 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.

Complaint narrative:
I have been trying to remove a freeze on my credit reports for a debtor to get them. Even though the credit reporting agencies state that the security freeze have been temporarily removed, the debtor is not able to pull my credit reports.

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 2021-07-25 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: MD

Complaint narrative:
This communication is a follow-up in regards to closed complaint XXXX Midland Credit Management, Inc.is in clear are violating federal laws against my person and natural person and of the FDCPA Laws. From their previous response to my original complaint, there is a clear admission of guilt. The Affidavit of Truth, debt validation form/letters, and correspondence, as well as exhibits, have all been ignored. 
Midland Credit Management , Inc. responded by sending a letter with absolutely no information and did not include the requested information from any of the correspondence sent out with certified mail validation. This included NO notarized under penalty of perjury Affidavit of Truth responding to my Affidavit of Truth line by line signed by the CEO, CFO, or any superior of Midland Credit Management XXXX Inc., NO completion of the debt validation form, I have yet to receive validation on behalf of the account with any contract bearing my signature stating I would be responsible to pay any debt to Midland Credit Management , Inc., LLC or any company that they represent and whom I have no contract with for an alleged debt I do not owe. Instead, I have received numerous debt collection attempts and itemized report statements as " proof '' that said debt has been validated from the " original creditor '' XXXX and which per FCRA/FDCPA does not constitute verification. Please note that on XX/XX/2019 the CFPB released its Fair Debt Collection Practices Act Annual Report and it stated the following : The Bureau notes that one or more debt collectors continued collection activity despite not properly obtaining and mailing debt verification after a consumer exercised his or her 1692g rights. Specifically, the Bureau calls out the practice where debt collectors forwarded consumer debt validation requests to the relevant clients, who mailed responses directly to the consumers. Section 809 ( b ) of the FDCPA requires a debt collector, upon receipt of a written debt validation request from a consumer, to cease collection of the debt until IT ( meaning the collection agency ) obtains verification of the debt and mails it to the consumer. Examinations found that one or more debt collectors routinely failed to mail debt verifications before engaging in further collections activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: TN

Complaint narrative:
The debt collector by the name of XXXX XXXX ( " XXXX '' ) who falsely identifies himself as an Attorney which violates 15 U.S.C. 1692e ( 3 ) took legal action against me for a consumer credit transaction that I initiated for a credit card on behalf of XXXX XXXX XXXX XXXX XXXX ( " XXXX XXXX '' ). XXXX is a debt collector. I am the original creditor for the consumer credit transaction. XXXX XXXX furnished me with deceptive forms under the guise they were offering me something of substance and value and created the false belief that I was indebted to them. I did not give XXXX XXXX my direct consent to share my private identifying information with anyone. XXXX XXXX also did not have the permission from a court of competent jurisdiction to communicate with XXXX. This was all done for monetary gain and greed. XXXX took legal action against me by filing a lawsuit against me. I was never properly served legal documents. XXXX does not have authority to take any legal action against me pursuant to 15 U.S.C. 1692i ( b ), " Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors ''. He requested a default judgment against me and mail was sent to an address that does not belong to me. This is not my first run in with XXXX taking illegal action against me. My private identifying information for my former name appears on a court docket which violates 15 U.S. Code 1692d ( 3 ), " The publication of a list of consumers who allegedly refuse to pay debts ''. This is very stressful and upsetting that my consumer rights are being violated in relation to my own credit. They reported false information on my consumer report which resulted in adverse actions. The information was posted to the credit reporting agencies to coerce payment of the debt. I will attach a copy for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXXXXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXXXXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX SS # ENDING IN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
This is a complaint regarding Zellepay.com. Someone closed my account without my knowledge. I contacted Zelle to determine what transactions may have been done without my permission prior to the account being closed. Zelle stated that since my account was closed they were unable to provide any recent transaction information. As a result, I am unable to determine the extent to which my account may have been accessed or used without my authorization. 

I opened an account with Zelle a year or so ago. The last authorized payment I received through Zelle was XX/XX/2021. 

On XX/XX/2021 my XXXX  cell phone number was ported without my authorization. 
On XX/XX/2021 someone attempted to access by binance e-wallet without my authorization. 
On XX/XX/2021 someone attempted to use my credit card without my authorization. 
On XX/XX/2021 I decided to close my Zelle, XXXX and XXXX accounts due to security concerns. 

On XX/XX/2021 I was unable to login to my Zelle account in order to close the account. When I contacted Zelle via their customer service phone number I was told that the account had been closed. I never received an email notice from Zelle that the account had been closed. 

I asked Zelle to provide information about the most recent transactions ( basically, any transactions that may have been attempted or took place on XX/XX/2021 to XX/XX/2021 ). The customer service rep stated that since the account was closed they were unable to provide any information regarding recent transactions. Without knowing what transactions may have been attempted I am unable to determine whether someone attempted, or gained access, to my Zelle account without my authorization. I do believe the account was accessed without my authorization because the account had been closed without my authorization sometime after XX/XX/2021. 

I am contacting CFPB in an effort to receive information from Zelle regarding any access to my Zelle account on or after XX/XX/2021 and any transactions that may have taken place or been attempted on or after XX/XX/2021 to XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In XXXX I disputed a collection account with all three credit bureaus. The collection account was called XXXX XXXX XXXX. The account was deemed inaccurate and unverifiable by all three credit bureaus and deleted from my report. Just recently in XXXX of XXXX I rechecked my credit report and the collection account was re-added to my reports with no notification of such from the bureaus. I submitted on XXXX XXXX a letter of the FCRA section 611 ( a ) ( 5 ) ( B ) violation due to no notice of the reinsertion and received no reply.

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 2021-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
Barclay MasterCard. I was solicited by Barclay for a 0 % APR on purchases made starting XXXX, XXXX until XXXX XXXX. Once I accepted the offer, which was in a pop-up box, the terms were no longer viewable. I received no confirmation with terms, I can not see terms on their website, terms are not viewable on my credit card statement. 
I had a balance of XXXX before the promo began I paid XXXX in full on XX/XX/XXXX bringing my balance to XXXX I then made a charge on XX/XX/XXXX ( the first day of the promo ) for XXXX. 

My current statement dated XX/XX/XXXX shows a balance of XXXX, minimum payment due of XXXX. Unfortunately in the Interest Charge Calculation section, it states that XXXX will be subject to 14.99 % APR if I carry a balance, and XXXX will be subject to 0 % APR. Those two figures total XXXX. So my understanding is if I only paid the minimum payment of XXXX, I would be subject to 14.99 % APR on a portion of the balance carried. 

I called the toll free number for clarification on XX/XX/XXXX and the first rep I spoke with could not answer the question. I then spoke with her manager XXXX in XXXX, NV who actually stated " I don't know ". 

I feel as though I have been tricked. 
My balance was XXXX on XXXX XXXX. I made no new charges until the 0 % APR promo offer began on XX/XX/XXXX. 
So now I'm forced to pay my entire bill, instead of enjoying the 0 % APR that was promised.

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 2021-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: FL

Complaint narrative:
This collection account just appeared on my credit report. I have no knowledge of any debt and I have never been contacted regarding a debt. This is an attempt to collect a debt not owed.

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