vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: AZ

Complaint narrative:
Collection for a debt of {$350.00} from Procollect Inc showed up in my credit report in XX/XX/XXXX. The debt was unfamiliar and I know it was related to identity theft that occurred in XXXX. 
I opened a dispute with XXXX on XX/XX/XXXX and was told to work with Procollect Inc to get the debt removed. 
I called Procollect Inc XX/XX/XXXX and let them know this account was due to identity theft and was not mine, and asked what steps I need to take to support my dispute. 
On XX/XX/XXXX XXXX said the dispute had been closed because Procollect contacted them saying the debt was valid - even though I told Procollect I am disputing the debt due to identity theft. 
I sent in the documents requested to support my dispute ( FTC Identity Theft report, drivers license ) on XX/XX/XXXX and have received no response. 
I called XX/XX/XXXX and was told the only way to get a status update was to send the question to them in email. I sent the email on XX/XX/XXXX and have received no response.

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 2022-02-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
After disputing directly with XXXX XXXX, I tried escalating the matter to the credit reporting furnisher, EXPERIAN. I informed EXPERIAN that the information XXXX reported was inaccurate. I informed both XXXX and EXPERIAN about my identity theft and I provided a copy of the police report along with the FTC Identity theft report. I made multiple attempts in hopes of successfully removing these inaccuracies to avoid further damage to my credit worthiness in the eyes of potential employers or requested a copy of the original contract with my wet signature, a detailed itemized list of all charges made on the account and proof of verification for the items that were distributed. Neither one of them were able to provide any verification other than stating they verified through the data furnisher. Which leads me to be more concerned because I requested my data to be deleted along with placing a security freeze, effective XX/XX/2022. Yet both XXXX and EXPERIAN continue to not follow proper protocols to ensure the data furnished and filed is substantial to be able to be used in

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 2022-02-24 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: NJ

Complaint narrative:
After reviewing my credit report, I am not happy to see the below items that are still showing in there even though I have informed you that they are in accurate and njurous to my score.

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 2022-02-24 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: IL

Complaint narrative:
XXXX XXXX XXXX has not validated my debt pursuant to 15 USC 1692g. Your claims are false and your company is in violation of the FCRA and FDCPA, as well as TILA. A statement is not a bill. I continue to assert there are billing errors 15 USC 1666. The credit reporting agencies are right to delete the account because under the FCRA they can only furnish a report in accordance with the consumers request. I request that you immediately stop reporting on my consumer report and my co-signers consumer report until you are able to accurately validate the debt.

Pursuant to 15 USC 1692 ( g ) ( 4 ) Validation of debts, if you have evidence to validate your claim that the alleged debt does not constitute fraudulent misrepresentation and that one owes this alleged debt, this is a demand that, within 20 days, you provide such verification/validation and supporting evidence signed and certified under penalty of perjury to substantiate your claim. Until the requirements of the Fair Debt Collection Practices Act have been complied with and your claim is verified/validated, you have no consent to continue any collection activities.

15 USC 1692j states, It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not participating XXXX is causing harm to both consumers, myself and my co-signer by furnishing such forms as described by 15 USC 1692j ( a ) and as such, shall be liable to the same extent and in the same manner as a debt collector is liable under 15 USC 1692k of the FDCPA. and is also liable under the FCRA and TILA.

I am completing and submitting the paperwork to further assert this alleged debt is fraudulent. In the meantime, no late payments may be reported on my consumer report or that of my co-signer or that would be a violation of 15 USC 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the 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 2022-02-24 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: IL

Complaint narrative:
XXXX XXXX XXXX has not validated my debt pursuant to 15 USC 1692g. Your claims are false and your company is in violation of the FCRA and FDCPA, as well as TILA. A statement is not a bill. I continue to assert there are billing errors 15 USC 1666. The credit reporting agencies are right to delete the account because under the FCRA they can only furnish a report in accordance with the consumers request. I request that you immediately stop reporting on my consumer report and my co-signers consumer report until you are able to accurately validate the debt.

Pursuant to 15 USC 1692 ( g ) ( 4 ) Validation of debts, if you have evidence to validate your claim that the alleged debt does not constitute fraudulent misrepresentation and that one owes this alleged debt, this is a demand that, within 20 days, you provide such verification/validation and supporting evidence signed and certified under penalty of perjury to substantiate your claim. Until the requirements of the Fair Debt Collection Practices Act have been complied with and your claim is verified/validated, you have no consent to continue any collection activities.

15 USC 1692j states, It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not participating XXXX is causing harm to both consumers, myself and my co-signer by furnishing such forms as described by 15 USC 1692j ( a ) and as such, shall be liable to the same extent and in the same manner as a debt collector is liable under 15 USC 1692k of the FDCPA. and is also liable under the FCRA and TILA.

I am completing and submitting the paperwork to further assert this alleged debt is fraudulent. In the meantime, no late payme
nts may be reported on my consumer report or that of my co-signer or that would be a violation of 15 USC 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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:
XXXX XXXX XXXX has not validated my debt pursuant to 15 USC 1692g. Your claims are false and your company is in violation of the FCRA and FDCPA, as well as TILA. A statement is not a bill. I continue to assert there are billing errors 15 USC 1666. The credit reporting agencies are right to delete the account because under the FCRA they can only furnish a report in accordance with the consumers request. I request that you immediately stop reporting on my consumer report and my co-signers consumer report until you are able to accurately validate the debt. 
Pursuant to 15 USC 1692 ( g ) ( 4 ) Validation of debts, if you have evidence to validate your claim that the alleged debt does not constitute fraudulent misrepresentation and that one owes this alleged debt, this is a demand that, within 20 days, you provide such verification/validation and supporting evidence signed and certified under penalty of perjury to substantiate your claim. Until the requirements of the Fair Debt Collection Practices Act have been complied with and your claim is verified/validated, you have no consent to continue any collection activities.

15 USC 1692j states, It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not participating XXXX is causing harm to both consumers, myself and my co-signer by furnishing such forms as described by 15 USC 1692j ( a ) and as such, shall be liable to the same extent and in the same manner as a debt collector is liable under 15 USC 1692k of the FDCPA. and is also liable under the FCRA and TILA.

I am completing and submitting the paperwork to further assert this alleged debt is fraudulent. In the meantime, no late payments may be reported on my consumer report or that of my co-signer or that would be a violation of 15 USC 1681a ( 2 ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the 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 non-monetary relief
Consumer complaint received 2022-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
Contacted PayPal to halt a recent and still pending transaction that was fraudulent. PayPal refused to cancel XXXX and opened a case and told me to have my bank cancel it, which I did. Once funds were rejected PayPal, despite having a case, charged my credit card due to the rejected bank funds which they told me to do. PayPal supervisor told me they don't screen for fraud and pass that onto consumer. PayPal is violating Know Your Customer requirements under the XXXX XXXX, as in this case a foreign person/entity from XXXX opened an account on their platform under a US company 's name to carry out their fraud. Upon my request PayPal confirmed the user is in XXXX which should have raised flags as they registered under a company name. I'm addition PayPal allowed this foreign user to compromise my private banking info as the debit came from the XXXX source and not PayPal. PayPal had made the process harder on me as a victim of fraud then on the fraudster themselves. They also confirmed that if my case is successful, which it will be as the legitimate company has informed me it's fraud, I am allegedly covered by their buyer protection. I asked if they also then refunded all others defrauded by the user I reported and they said no and that anyone else would have to file their own claim. Essentially when PayPal is made aware of fraud they keep the money and pass responsibility onto the user rather than act on information they have. As they get a cut of transactions they are a sponsor of fraud on doing so

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-24 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: NY

Complaint narrative:
After reviewing my credit report, I am not happy to see the below items are still showing in there. I am writing because errors in my credit report doesn't fix your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: M.A.R.S., Inc.
State: KS

Complaint narrative:
In XXXX of XXXX I moved out of my apartment, the apartment manager allowed other people to live in my apartment after me contacting them and letting them know I was no longer residing at the residence. I didnt authorize anyone to be there under my lease and the apartment complex decided to evict me in XXXX of XXXX! Even though I had been out of that apartment for months prior

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I have a debt on my credit report from walmart XXXX bank that is supposed to be showing as a XXXX balance past due and it is not. Furthermore in Oregon the statue of limitations is 6 years. It is past 6 years and this account is still reflecting negatively on my credit report from Walmart/XXXX  bank . I need this account removed asap as I am no longer legally responsible for it. The credit reporting agencies are not disputing this accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
i disputed two items that was found on my credit report that were fraudulent with transunion 1 ) XXXX XXXX XXXXXXXX, and XXXX XXXX XXXXXXXX. transunion said the items were verified. but i called each creditor and they no information on me with those accounts and also when i disputed these items i sent in police report with dispute but they claim they didnt get police report but it was all sent certified mail with disputes

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 2022-02-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
XXXX XXXX  sold their accounts to Citizens and the transition is supposedly in progress. I had an XXXX XXXX account and tried to enroll in Citizens ' online banking on XX/XX/XXXX in the morning. 

The system did not recognize either my SSN, or my XXXX account number. 

I tried to call the online support line at XXXX. After being barraged with irrelevant messages, the hold time was disclosed as over 60 minutes. 

I tried to enroll again at XXXX. The system did not recognize either my SSN, or my XXXX account number. Contacted tech support. After being forced to listen to useless drivel for XXXX minutes, the hold time was disclosed as " over XXXX minutes ''. 

I tried to enroll again at XXXX on XX/XX/XXXX. The System did not recognize either my SSN, or my XXXX account number, or the XXXX account number. 

Evidently, Citizens has failed to manage the acquisition competently or diligently and as a result I have lost access to my funds ( I don't have a check book for this account, nor did I get sent one from Citizens ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Someone took out a XXXX credit card in my name. The bill was coming to my home this was around XXXX for {$200.00}. I didnt open the bill because I assumed it was my sons bill who is a XXXX. I called XXXX fraud protection but they could not help me because someone was paying the bill up until XXXX. I pay my credit card bills, so {$200.00} which turned into {$700.00} plus. Now this is on my credit as a charge off. I asked for proof of me having this card, which they could not prove but put this on my credit. I need this removed as I have tried to dispute this. I have never took a XXXX credit card especially for {$200.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-24 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX and Account # XXXXhas violated my rights. 

15 U.S. Code 1681 section 602 A States I have the right to privacy.

15 U.S. Code 1681 section 604 A Section 2 States a consumer reporting agency can not furnish a account without my written instructions

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 2022-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TriVerity, Inc.
State: VA

Complaint narrative:
I settled a delinquent account with XXXX credit and they continue to report it as open and holding balance which is not accurate. The receipt and official statements are attached below.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
At the end of XXXX, my bank, SunTrust/Truist , contacted me out of the blue, offering to refinance my HELOC at around 3 %. My current HELOC is about {$34000.00}. The bank representative suggested bumping it up to {$66000.00}. I was going on vacation the next day so they said they would submit initial paperwork and I could complete it when I got back. 

When I was contacted by the loan officer for SunTrust/Truist , I was told the interest rate was 8 % and the amount was {$110000.00}! I NEVER authorized someone to request an {$110000.00} HELOC. When I objected to the rate I talked to the branch manager, who said it would actually be around 5 %. 

So I proceeded. Then the loan officer contacted me and told me my appraisal came in at {$220000.00} - in a neighborhood where houses similar to mine are selling for {$350000.00} to {$400000.00}! They refused the HELOC, saying I didn't have enough equity. I am convinced they compared my house to one down the street that was literally on the verge of being knocked down, which was termite riddled, had no central heat and air, an overgrown yard with junk cars, etc. 

My neighbor, who is a former SunTrust VP, said they use algorithms for these appraisals, and the programs are made for cookie-cutter subdivisions, not diverse ones like the one we live in - one of the hottest neighborhoods in one of the hottest housing markets ( XXXX ) in the nation. 

They told me I could appeal the appraisal. I was so disgusted, I am instead in the process of moving my mortgage and HELOC elsewhere. 

A. They played bait and switch with rates, quoting 3 %, 8 % and 5 % B. They submitted paperwork for a loan amount I never requested - {$110000.00} C. They either used AI or a drive by appraisal to appraise my home, and were completely off base, resulting in me being unable to get the revised HELOC. 

I complained to the bank about the whole process, and all they said was I could appeal the appraisal. 

They need to be taken to task for all their bad behavior in recent months. Along with the HELOC nightmare, they have now failed to activate debit cards in a timely fashion. The account history in my checking account is totally screwed up so it is impossible to tell what money has gone in or out. They are clearly in over their head. Their merger should NEVER have been authorized. SunTrust used to be a decent bank before the merger.

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 2022-02-24 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have been trying to get Experian to report my correct balance and payment history on two accounts with XXXX. I disputed the inaccurate information and I just received the update on the dispute and Experian states the disputed information will remain the same that the creditor stated the information was accurate. I know for a fact that XXXX reported the balance to Experian as {$0.00} and not the {$820.00} that Experian is reporting. I have attached the letter from XXXX stating this.Experian needs to correct the wrong information.

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