vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
ALLY FINANCIAL is falsely claiming that the documentary evidence that I sent to them on XX/XX/2021 and XX/XX/2021 was a debt validation request, which it was not. What I did send them was a dispute of " alleged '' debt based on the multitude of ways in which they've violated me as a consumer and natural person. Pursuant to 12 CFR 1006.38, by not responding to these disputes they have overshadowed my right to dispute the " alleged '' debt. However, if ALLY 's intention was to validate the " alleged '' debt on their own accord, they failed to do so by not following the debt validation notice guidelines set forth in 12 CFR 1006.34.

ALLY has not only neglected to respond to my disputes in a lawful manner but they have taken adverse action against me for exercising my right to do so. As per a letter I received from ALLY via dated XX/XX/2021 ( attached ), they state " we have placed a restriction on your account and will not accept payments unless they are made in certified funds such as a cashier 's check, money order, or payment through a third party such as XXXX XXXX or XXXX. '' In doing so ALLY is in violation of 12 CFR 1006.14 for oppressive and abusive conduct, 12 CFR 1006.22 for attempting to collect an " alleged '' debt through unfair and unconscionable means and 12 CFR 1006.6 ( c ) for attempting to collect an " alleged '' debt after receiving a cease communication notice from me on XX/XX/2021. 

Nevertheless, pursuant to 12 CFR 1006.34 I am lawfully entitled to request a validation of this alleged debt, which I am now officially doing. With that said I have sent ALLY and their CEO an official validation request via certified mail, which was confirmed received on XX/XX/2021.

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 2021-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Kinum, Inc., Indianapolis, IN Branch
State: DE

Complaint narrative:
Received a call from kinum. Requested that my phone number be removed and representative kept talking over me and ignoring my tcpa request to remove my number. After advising the rep that it is a violation to not remove my phone number he advised that the tcpa act doesnt exist and to educate him on what it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is regarding Esperian 's completely non-existent customer service. 

On XX/XX/XXXX I received a postcard from XXXX XXXX asking me to confirm a change of address request for my Everyday Checking account and Platinum Debit Card. 

On XX/XX/XXXX I called them to let them know I don't have and have never had a XXXX XXXX account or credit card. They let me know that someone recently opened online those accounts using my name, address, and social security number. ( I'm waiting for a letter confirming they've taken care of closing them and that I'm not responsible. ) On XX/XX/XXXX I did some research about what to do to protect myself now that I knew someone was using my info. I learned I should immediately put a one year fraud alert on my credit report as well as a freeze on my credit reports. The fraud alert only has to be done once, but the freeze must be done individually at all three companies. 

I had no problems with XXXX and XXXX. I was able to go to their websites and open a free account and take care of the fraud alert and credit report freeze. 

Experian was very different! It would not work when I tried those tasks and/or open a free account. After filling everything out it would say it's unable to do it and it showed turning gear wheels showing something was wrong. I tried another server to see if that made a difference. It didn't. I was unable to do anything. 

According to their website it was during business hours and I should have been able to talk with somebody, so I called. WHAT A NIGHTMARE! No matter what I did I just kept getting looped back to the same menu options! I tried every possible option multiple times! It was absolutely impossible to get to a real person! Because I wasn't a paying member, I had no account number to enter. That may be why they designed their phone system so that I could not talk with a person or get any other help. INCREDIBLY FRUSTRATING AND NOT THE CONSUMER PROTECTION OR HELP THEY SHOULD BE PROVIDING! 

Since you are the agency that oversees them I thought you should know and hope you are abler to get them to change these abusive practices.

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 2021-10-19 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: Investment Retrievers, Inc.
State: CA

Complaint narrative:
Collection company, Investment Retrievers Inc. did a hard credit report inquiry without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
There are two inquiries in my credit report that I did not authorize and both inquiries should be removed. 

1- Inquiry from CAPITAL ONE BANK USA on XX/XX/2021 2- Inquiry from XXXX - CARD SERVICE on XX/XX/2021

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JAN (LendUSA) Holdings, Inc.
State: GA

Complaint narrative:
Submitting proof of documentation regarding XXXX XXXX in reference to XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 


NO RETAILIATION OF ANY FORM WILL BE TOLERATED!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ERC
State: CA

Complaint narrative:
XXXX is still trying to charge me XXXX dollars on an account that wasnt opened by XXXX also bought an iphone on that account. This was supposed to be off my credit report years ago. XXXX is saying the debt is fro XX/XX/XXXX thats not true either, this all happened back in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
Midland Credit Management continues to send me mail demanding I pay {$4900.00} immediately or I will have a lawsuit filed against me. They say it is for a XXXX credit though Ive never used that in my life and on two occasions ( most recently being today XX/XX/2021 ) XXXX confirmed I have not and do not have credit with them. 

I even get regular offers to sign up for XXXX credit ~ which wouldnt happen if I had been sent to a collection agency for XXXX credit being unpaid... 

The MCM company continues to mail me the same document with threat of a lawsuit with the most recent being sent on XX/XX/2021 that I received in the mail on XX/XX/2021 with demand to pay by XX/XX/2021 or face legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-19 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have on my credit report with Experian, 43 soft inquiries, made by Experian from XX/XX/XXXX through XX/XX/XXXX, without any authorization from me. 
I did contact them today XX/XX/XXXX, at XXXX XXXX, at their phone number ( XXXX ) XXXX, and their representative told me that soft inquires do not affect my credit score.

Either way, that affects or not ( I do not know ), they do not have any authorization or reason to be making 43 inquires on my record. 
I could provide a copy of my report, where it shows all the dates of these records.

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 2021-10-19 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
There are two inquiries in my credit report that I did not authorize and both inquiries should be removed. 

1- Inquiry from XXXX XXXX XXXX  XXXX XXXX XX/XX/2021 XXXX Inquiry from JPMCB - CARD SERVICE on XX/XX/2021

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I seen that I had a bankruptcy on my credit profile and I contacted the courts and they stated with the information given to them that I never filed bankruptcy in there courts ; and that if theres an inaccuracy on my credit report that I should contact the credit agencies. After a couple months of disputing the credit agencies never gave me a fair investigation on the inaccurate information reported. I also contact XXXX XXXX and gave them documentation that I was received from the court they deleted the information off of my XXXX report which the credit bureaus pull from I demand that this public record is deleted off of my consumer reports for a violation of the FCRA 15 USC 1681i and if this is not done immediately I will file for litigation at my local court office

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: FL

Complaint narrative:
I seen that I had a bankruptcy on my credit profile and I contacted the courts and they stated with the information given to them that I never filed bankruptcy in there courts ; and that if theres an inaccuracy on my credit report that I should contact the credit agencies. After a couple months of disputing the credit agencies never gave me a fair investigation on the inaccurate information reported. I also contact XXXX XXXX and gave them documentation that I was received from the court they deleted the information off of my XXXX report which the credit bureaus pull from I demand that this public record is deleted off of my consumer reports for a violation of the FCRA 15 USC 1681i and if this is not done immediately I will file for litigation at my local court office

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 2021-10-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
Hello Consumer Financial Protection Bureau, and thank you for you services in providing consumers against the deceptive practices of against companies, including the one I am filing this complaint against, in the financial protection commerce industry. With that being said, I would like to inform you of the Fair Debt Collection Practice Act ( FDCPA ) violations that this company has committed in an attempt to collect an alleged debt. To begin this company has violated statute 15 USC 1692c ( a ), this company has contacted me about an alleged debt when I did not give them consent to do so, it is to a universal awareness that a debt collector must not use such tactics without a consumer 's consent. I would also like to mention their violation of 15 USC 1692c ( b ) by communicating with a third party company regarding my personal information without my consent being granted to them to do so. Let me remind you, under this subchapter, that this company must not communicate anything about this alleged debt with no other person besides my attorney, a consumer reporting agency if permitted by law or myself, and this company violated this. This company has also violated statute 15 USC 1692d by continuing to harass me, a consumer, with their deceptive tactics. I do not feel comfortable knowing that a company can continue to commit violations of laws that protect consumers and not face consequences for it. This company is also harassing me by attempting to collect any money that can from me in relation to this alleged debt by trying to get me to pay a discounted amount that was never agreed on, which leads me to their next violation. This company has violated 15 USC 1692F ( 1 ) by attempting to collect on an amount that was never agreed upon by me. This company is attempting to get me to settle for an alleged debt by offering me some sort of discount. If that is not unfair practices from a debt collector than I am very confused. Let me also remind this company that they are also in violation of 15 USC 1681a ( 3 ) ( a ) ( b ) ( c ) by sharing medical information or any related information to such manner including personal information to credit reporting agencies.

As you can see this company has violated quite a few prominent laws that help protect us consumers. I refuse to let this company continue to commit these violations, not just for me but for other consumers facing difficulty during these tough times. 

To help with this complaint I have attached a letter sent to me from this company including the violations I am referencing. 

Account Numbers : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There is no reasonable explanation for my credit score to go from XXXX XX/XX/2021 to XXXX XX/XX/2021. My credit score has been over 800 for more than 10 years. There was XXXX late payment during the specific time period. A excellent credit scores mean the world to me for many reasons. 

I spoke with Transunion representatives with no satisfaction. They told me to look at the report for the answer. Their system calculate the score based on the information in the report. I need HUMANs to look at my case to assess this flawed process. 

I requesting you intervention and support with 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 2021-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
XXXX XXXX XXXX continues to send me mail demanding I pay {$4900.00} immediately or I will have a lawsuit filed against me. They say it is for a PayPal credit though Ive never used that in my life and on XXXX occasions ( most recently being today XX/XX/2021 ) PayPal confirmed I have not and do not have credit with them. 

I even get regular offers to sign up for PayPal credit ~ which wouldnt happen if I had been sent to a collection agency for PayPal credit being unpaid... 

The XXXX company continues to mail me the same document with threat of a lawsuit with the most recent being sent on XX/XX/2021 that I received in the mail on XX/XX/2021 with demand to pay by XX/XX/2021 or face legal action.

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 2021-10-19 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:
I noticed that Equifax is reporting two inaccurate negative items in my account on XXXX  XXXX XXXX, one inaccurate negative on XXXX, and one inaccurate negative on XXXX XXXX. The four negative accounts are showing that I have a chargeoff account that has a balance on it. This is completely inaccurate. I already contacted the Credit Bureau and the Creditor regarding it but they did not give a response on this particular matter. I need your help on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: Duvera Billing Services, LLC
State: GA

Complaint narrative:
Greetings, I would like to file a complaint against Duvera Billing Service. I dont recall having this account in the past. However, it continues to show up on my credit report. Therefore, I disputed the account through XXXX, XXXX, and XXXX on XX/XX/2021. In response, the account showed verified. 

As a result, I disputed this account with the creditor. On XX/XX/2021, I sent a dispute letter certified by mail requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay. In response, I received an itemized printout. As a result, I sent a follow-up letter through certified mail on XX/XX/2021. In response again, I received the same itemized printout. 

As a result, I would like this item to be removed from my credit report. In addition, the company violated the fair debt collections Practice Act, Fair credit reporting act, and local state law by not providing evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Progrexion Holdings, Inc.
State: MA

Complaint narrative:
I signed up for Credit Repair.com in XXXX of 2021 - my billing cycle renews on the XXXX of the month. 

Today, the XXXX I called wanting to cancel The guy of course tried to keep me on board and I told him I wanted to cancel ( XXXX was his name ) Then he told me that after the final invoice that bills on the XXXX is received they will cancel - they are trying to get another month out of me. 

I told him that this was incorrect and that I would report them to you guys. 

They intend to process payment tomorrow which I will have my bank deny.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
There is an inquiry in my credit report that I did not authorize and should be removed. 

an inquiry by SYNCB/ JCP credit card and travel/ entertainment companies on XX/XX/2021. should be removed from my account/ credit report. 

I contacted the company SYNCB/JCP to remove the inquiry but it still showing in my 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 2021-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
A company called Radius Global Solutions contacted me about a debt from XXXX XXXX of XXXX on XX/XX/2021. I called the number and they said they contacted the wrong person but I gave them the last 4 of my social. The number listed was 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 2021-10-19 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: NC

Complaint narrative:
I have a strange address and two accounts which do not belong on my credit report. I have reported them to Transunion already but they still haven't been deleted yet.

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 2021-10-19 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: Affirm Holdings, Inc
State: GA

Complaint narrative:
Greetings, I would like to file a complaint against Affirm. I dont recall having this account in the past. However, it continues to show up on my credit report. Therefore, I disputed the account through XXXX, XXXX, and XXXX on XX/XX/2021. In response, the account showed verified. 

As a result, I disputed this account with the creditor. On XX/XX/2021, I sent a dispute letter certified by mail requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay. In response, I received an itemized printout. As a result, I sent a follow-up letter through certified mail on XX/XX/2021. In response again, I received the same itemized printout. 

As a result, I would like this item to be removed from my credit report. In addition, the company violated the fair debt collections Practice Act, Fair credit reporting act, and local state law by not providing evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay.

Company response to consumer: Closed with explanation