vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: PENTAGON FEDERAL CREDIT UNION
State: MA

Complaint narrative:
Hospitalized due to XXXX and complicated by XXXX, Was out of work and unable to make payments

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 2022-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: GA

Complaint narrative:
The company Discover Financial Services closed my secured credit card for XXXX bias reasons. I reached out for a valid explanation and was provided with 2 different reasons for the closure. I have requested documents and the exact reason per my under the cardholder agreement and was never provided an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: TN

Complaint narrative:
I've contacted National credit adjusters numerous times to validate my debt because they are reporting inaccurate information on two accounts which include amount owed and accurate dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 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: EQUIFAX, INC.
State: IN

Complaint narrative:
On XX/XX/2022 I paid this account balance in full. The account currently has a {$11.00} credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 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: Child Support Recovery Services, Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXX is reporting incorrect information to my credit report. 
-Amount of payment has already XXXX agreed and paying on time.

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 2022-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC
State: GA

Complaint narrative:
This agency has been harassing to pay a debt that has already been paid. The debt was paid in XX/XX/XXXX. They are still harassing me. I had to block their number and I am still getting letters. I told a man in XXXX, I would take care of it. I did not even remember the debt and I took care of it like I said I would. I found out today XX/XX/XXXX that they added the debt to my credit report, falsely. They are not managing their accounts correctly or trying to make me pay the debt twice so that they can make money off of me. I am literally in the process of looking for a home and they are messing with my credit score and ability for my family to buy a home.

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 2022-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: AZ

Complaint narrative:
On XX/XX/2022, I received 7 phone calls from Conn 's Furniture in regards to an existing loan with their company. They have done this in the past and I have repeated to multiple representatives to not contact me between the hours of XXXX Arizona time as I'm working and require my cellular device to communicate with clients. Since this occurred on a Friday, XXXX of my clients meetings were interrupted and I felt extremely harassed when the last phone call occurred at XXXX that day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Frontline Asset Strategies, LLC
State: FL

Complaint narrative:
YOU BROKE THE LAW!!!!!! 
Frontline Asset Strategies LLC, sent me, XXXX XXXX, the original creditor, pursuant 15U.S.C 1602 ( G ) a letter I received, dated on XX/XX/22. 
In the letter it states XXXX are Original Creditor which is a violation pursuant to 15 U.S. Code 1692e - False or misleading representations. However, XXXX sold my private information to Frontline Asset Strategies LLC which is aggravated identity theft and theyre using my Social Security number without my authorization which is a violation to the Social Security Act pursuant to 42 U.S. Code 408 - Penalties. This aggravated identity theft as well pursuant to 18 U.S. Code 1028A - Aggravated identity theft ( a ) Offenses.

( 1 ) In general. 
Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 
( 2 ) Terrorism offense.

Whoever, during and in relation to any felony violation enumerated in section 2332b ( g ) ( 5 ) ( B ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person or a false identification document shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 5 years. Just to give you more clarity of the violations you have committed Frontline Asset Strategies LLC.

Please understand in this letter you sent me is a threat telling me if I dont respond by a date, The letter is harassment, annoying, obscene and profane language to me pursuant to 15 U.S. Code 1692d - Harassment or abuse. You are ruining my life and reputation with your actions and deceptive business practices. I am reporting you to CFBP, FTC, and FCC. It is clear Frontline Strategies LLC are crooks and seeking to take advantage of consumers to rob them and break federal/State laws. It is evident.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I called Transunion LLC about the deletion of unauthorized hard inquiries on my consumer report in XX/XX/XXXX. They directed me to call the creditors to have them request that the inquiries be removed from my consumer report. I called the creditors but was not able to reach anyone that could help me. 

On XX/XX/XXXX, I sent 10 letters to Transunion LLC at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX to demand deletion of each inquiry reported on my consumer report where my consumer report was obtained without my authorization or permissible purpose under the FCRA. I requested the following inquiries be deleted ( letters attached ) : 1. XX/XX/XXXX, XXXX XXXX via XXXX XXXX XXXX XXXX 2. XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX Transunion sent me a letter on XX/XX/XXXX on file number XXXX that does not adhere to my request to promptly delete the unauthorized inquiry or if they conclude that the inquiry listed is verified, I request details of their method of verification ( letter attached ).

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 2022-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CURO Intermediate Holdings
State: TN

Complaint narrative:
I've contacted XXXX XXXX XXXX numerous times to validate my debt because they are reporting inaccurate information on two accounts which include amount owed and accurate dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FirstPoint Collection Resources
State: FL

Complaint narrative:
pER FCRA SECTION 623 THE DEBT COLLECTOR IS DISOBEYING MY COMMANDS AS THE CONSUMER AND AFFIANT. I TOLD THEM I HAVE NO KNOWLEDGE OF THIS ACCOUNT AND TO PLEASE DICHARGED OFF MY CREDIT REPORT. i SENT OUT A LETTER ON XX/XX/2022 AND HAVEN'T GOTTON A REPONSE BACK.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On the date of Monday XX/XX/2022 I contacted Experian to delete an inaccurate or incorrect address from my consumer report. 

The address was XXXX XXXX XXXX XXXX XXXX which I looked this address up and this does not exist. 

I expressed this to the Experian representative she told me it was being reported by a creditor and in order for Experian to delete it I had to talk to the creditor to change the address with them then experian could delete the address XXXX XXXX XXXX XXXX XXXX 

I told her this address would take you no where because I typed it in and nothing comes up. From there she stated that there were some errors on my account and also said she couldnt tell me exactly what the errors were due to company policies. 

I then reiterated to her that we probably see the same issue which is the address stated previously in this form. She then told me it should be deleted on the Friday of XX/XX/2022 and she gave me the case number of XXXX. 

I was also was told to call back and told to give the new representative the case number to check on the status of the situation. When speaking to the new representative she told me it could not be deleted due to it being tied to an open account even though the address does not exist. 

Im confused as to how theyre knowingly allowing a debt collector ( XXXX XXXX  ) to report inaccurate or incorrect information to my consumer report. Furthermore this debt collector reporting this incorrect or inaccurate information to my consumer report is only being reported to experian. Im also confused to how this debt collector ( XXXX XXXX  ) is only reporting to Experian credit reporting agency this incorrect or inaccurate debt collection account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been trying to get in contact with the credit bureau for 6 months and have not received a response via mail

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 2022-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been trying to get in contact with the credit bureau for 6 months and have not received a response via mail

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 2022-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been trying to get in contact with the credit bureau for 6 months and have not received a response via mail

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
i just recieved my credit report and noticed authorized items that shouldnt be reporting to experian business

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 2022-03-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Klarna AB
State: OH

Complaint narrative:
I attempted to place an order with Klarna and was advised that my purchase could not be processed. I called Klarna and advised that there was a purchase that was not paid for. I had not made purchases from them in several years and both purchases were paid in full. I was advised that a purchase was made by an unknown email address with my information. I advised that the purchase was fraudulent. I verified my information and was assured my file would be corrected. I have made numerous attempts to get this resolved but am unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XXXX XXXX Department Resurgent Capital Services L.P Dear XXXX, Having reviewed all of the documents provided to me regarding this alleged debt, I am afraid that you are committing fraud. 

You are violating the code of Federal Regulations 12 CFR 1006.30 ( e ) Prohibited Practices. By Furnishing certain deceptive forms.

A debt collector must not design, compile, and furnish any form that the debt collector knows would be used to cause a consumer falsely to believe that a person other than the consumer 's creditor is participating in collecting or attempting to collect a debt that the consumer allegedly owes to the creditor.

This fraudulent bill statement that you have designed and furnished to me does not reflect accurate nor true information on my behalf.

Upon reviewing the monthly statements from the alleged original creditor, this also has shown fraudulent information on my behalf, My name is not XXXX XXXX XXXX XXXX. 
Nor any of the addresses belong or have any attachments to my person. 

Furthermore, as the information that you provided is fraudulent and deceptive, this does not validate this alleged debt. Pursuant to 12 CFR 1006.34 Notice for validation of debts. Please be advised that I am requesting VALIDATION not VERIFICATION. I Am requesting a copy of the original contract, and or documents bearing my signature, payment history and all proper disclosures with the original creditor. 

Furthermore, I am afraid that you have committed an infringement upon my consumers right to privacy pursuant to 15 usc 1692, as I never contracted with you, LVNV Funding LLC, and Resurgent Capital Services L.P . I, XXXX XXXX XXXX never gave you, LVNV Funding LLC , and Resurgent Capital Services any oral permission or written permission to contact me or have any of my private information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 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: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
Portfolio Recov ASSOC Original Creditor XXXX XXXX XXXX is reporting incorrect information to my credit report. 
-Report two seperate reports -Payment status is incomplete -Date Last Active is incorrect -Two Year Payment History is not updated with all three bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfoliorecovery was calling me 4 to 5 times a day. I called back and asked who they are and why they keep calling. They were looking for my daughter. I told them she has not lived here in over 4 years and remove my number. They stopped calling for about a month then it started again. I again told them she has not lived here and stop harassing me. It stopped for about a month and has started again. They have called starting XX/XX/22. They are calling again. I have not called them again. Twice is enough to tell them the person is not here. This needs to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-13 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: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX VA XXXX posted loan for XXXX On my report I try to resolve it myself but it is hindering me from buying a home for my family

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo Dealer Services placed a hard inquiry on my credit report. I did not authorize this inquiry 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 2022-03-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In XXXX I noticed fraudulent accounts on my credit report after receiving a notice that my personal information may have been compromised in a data breach with XXXX. I begin to dispute these items and these items were not removed. In XX/XX/XXXX I filed a police report as well as a FTC report I mailed these copies of the reports along with my social security number, Identification, and proof of address to XXXX, XXXX, and TransUnion. Each company reported that the creditors verified the accounts. I then wrote a letter in XX/XX/XXXX to each creditor as well as XXXX, XXXX and TransUnion to provide me with a copy of the original singed documentation. Their response was accounts were verified. Over the course of the past 3 years I have written letters and been told to resend police reports, file disputes over and over. As of XX/XX/XXXX I informed each company of my rights under FCRA section 609 ( a ) ( 1 ) ( A ) & 611 ( a ) ( 1 ) ( A ) to provide me with the original signed documentation. I also informed them of my FCRA rights under section 611 ( a ) ( 7 ) to provide me the method of verification of these accounts. I was told by each company that the accounts were verified and they do not have to provide any documentation. I called all companies in XXXX of XXXX to inform them of the law under FCRA section 616 & 617 of the civil liability and the remedy available to me if they failed to comply with federal laws. These companies has failed to show me any documentation of the accounts being mine. These companies are failing to follow FCRA section 611 ( 5 ) ( A ) that states you are required to promptly delete all information which can not be verified.

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 2022-03-13 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In XXXX I noticed fraudulent accounts on my credit report after receiving a notice that my personal information may have been compromised in a data breach with Equifax. I begin to dispute these items and these items were not removed. In XX/XX/XXXX I filed a police report as well as a FTC report I mailed these copies of the reports along with my social security number, Identification, and proof of address to XXXX, Equifax, and XXXX. Each company reported that the creditors verified the accounts. I then wrote a letter in XX/XX/XXXX to each creditor as well as XXXX, Equifax and XXXX to provide me with a copy of the original singed documentation. Their response was accounts were verified. Over the course of the past 3 years I have written letters and been told to resend police reports, file disputes over and over. As of XX/XX/XXXX I informed each company of my rights under FCRA section 609 ( a ) ( 1 ) ( A ) & 611 ( a ) ( 1 ) ( A ) to provide me with the original signed documentation. I also informed them of my FCRA rights under section 611 ( a ) ( 7 ) to provide me the method of verification of these accounts. I was told by each company that the accounts were verified and they do not have to provide any documentation. I called all companies in XXXX of XXXX to inform them of the law under FCRA section 616 & 617 of the civil liability and the remedy available to me if they failed to comply with federal laws. These companies has failed to show me any documentation of the accounts being mine. These companies are failing to follow FCRA section 611 ( 5 ) ( A ) that states you are required to promptly delete all information which can not be verified.

Company response to consumer: Closed with explanation