vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: MI

Complaint narrative:
Company Afni states I owe an alleged debt to XXXX XXXX XXXX for services I do not owe and remember getting. The company must validate the debt and attached is a letter for validation request. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practice Act ( FCDPA ) company has 30 days to validate debt. I believe this alleged debt has been sold at least one time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 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: MD

Complaint narrative:
After receiving phone calls, mail and email indicating that there were accounts opened in my name that held balances I ordered credit bureau reports in response. I have also been banking with XXXX XXXX XXXX XXXX  for more than five years with a good banking relationship and initiated a new savings account and was declined. The Bank Manager and I were alarmed so I also ordered a checking account report from XXXX and other reporting systems. I discovered that multiple accounts were opened and were in operation for some time. I have spent the last 18 months taking XXXX treatments and have had three surgeries and I do not use credit. My home was previously burglarized at my former address at XXXX XXXX XXXX XXXX XXXX MD XXXX and I suspect one of my tenants was responsible. I also suspect suspect that Mr. XXXX XXXX XXXX who lived in the basement of my current home at XXXX XXXX XXXX may be responsible as well. The following accounts were fraudulently opened : 1. XXXX XXXX XXXX  - XXXX 2. XXXX XXXX XXXX  - Uknown 3. XXXX XXXX XXXX ( partial ) 4. XXXX XXXX XXXX XXXX XXXX partial ) 5. XXXX  XXXX XXXX - XXXX 6. XXXX  XXXX XXXX - XXXX 7. XXXX  XXXX XXXX - XXXX 8. XXXX  XXXX XXXX XXXX 9. XXXX XXXX XXXX - Unknown 10. XXXX  XXXX XXXX XXXX Account XXXX ( partial ) 11. XXXX XXXX Chekcing Account XXXX ( partial ) The following are attempts to open bank accounts in my name : Fraudulent Banking Activity : The following were attempts to open accounts in Mr. XXXX name currently showing as inquries : 1. XXXX XXXX XX/XX/XXXX ; 2. XXXX XXXX XX/XX/XXXX ; 3. XXXX XXXX XXXX XX/XX/XXXX ; 4. XXXX XXXX XXXX XXXX XX/XX/XXXX ; 5. XXXX XXXX XXXX XXXX XX/XX/XXXX ; 6. XXXX XXXX XXXX XXXX XX/XX/XXXX ; 7. XXXX XXXX XXXX XXXX XX/XX/XXXX ; 8. XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX ; 9. XXXX XXXX XXXX XXXX XX/XX/XXXX ; 10. XXXX XXXX XXXX XXXX   XXXX  XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX ; 11. XXXX XXXX XXXX  XX/XX/XXXX ; 12. XXXX XXXX XXXX XXXX XX/XX/XXXX ; 13. XXXX , XXXX XXXX XX/XX/XXXX ; 14. XXXX XXXX XXXX XXXX XX/XX/XXXX ; 15. XXXX XXXX XXXX XXXX XX/XX/XXXX ; 16. XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX/XXXX XXXX   XX/XX/XXXX ; XXXX XXXX/XXXX XXXX XX/XX/XXXX ; XXXX XXXX/XXXX  XX/XX/XXXX ; XXXX XXXX/XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX/XXXX/XXXX  XX/XX/XXXX ; XXXX XXXX/XXXX  XXXX XX/XX/XXXX ; XXXX XXXX/XXXX XXXX XX/XX/XXXX ; XXXX XXXX/XXXX XXXX XX/XX/XXXX ; XXXX XXXX/XXXX XXXX XX/XX/XXXX ; XXXX XXXX/XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX/XXXX XX/XX/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 2020-02-12 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: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
A Loan was taken out in my name. I didn't get the money nor was it deposited into my account. I never applied for loan someone used my information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC
State: CA

Complaint narrative:
XXXX advanced me money for use in my business around XXXX. I sold the business and the new owners were to repay the debt as part of the deal. They closed the business in XXXX. In XXXX XXXX reached out to me and said I have an outstanding balance of {$1900.00}. I explained that it was supposed to have been paid by the new owner and I would contact them about it. In XXXX XXXX  reached out to me about the debt and by that time the people I had sold the business to were long gone. I tried for a couple of months to get ahold of them. XXXX continued to reachout to me and I told XXXX that I would take care of it and in XX/XX/XXXX I started making payments on it. XX/XX/XXXX made the final payment of {$1500.00}. ( I have the bank records to prove it ). In XXXX ( XX/XX/XXXX ) I received a letter from MRS BPO , LLC, with the acount # XXXX asking for payment of $ XXXX.for XXXX.I called them and said it had been paid and never heard from them again. Now I have just recieved a 1099-C for the amount of {$1700.00} saying its for XXXX and is charged off and I need to declare it on my taxes. This is not right. I paid my bill and should not have to declare this. I have the bank records that show payment to XXXX in full.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
ATTENTIN DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2020 MIDLAND CREDIT MANAGEMEN Reported : XX/XX/2020 Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious MIDLAND CREDIT MANAGEMEN Reported : XX/XX/2020 I have report your company to consumerfinance.gov As  a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the  XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX XXXX , XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-12 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Home Loan Center, Inc.
State: AL

Complaint narrative:
i was appling for a personal loan. i recieved a call from a man named XXXX saying he was from Lending tree. after appling i was told to get a verification card with the first months payment as a XXXX gift card for {$150.00}. I did and read him the number off back.Then I was told Alabama wanted taxes before releasing funds of another {$150.00} sent the same way. Then I was told one card was not acivated at the store ( XXXX XXXX ) so I went there and they even called main office, but no help. I even called Lending Tree and they told me fraud and to get ahold of you Phone number of XXXX is XXXX XXXX cards number are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this happened on XXXX and XXXX, 2020. I have called XXXX as the money on cards is gone

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
The debt has a balance of zero but still shows on my credit! It is also more than 7 years ago. Please remove from 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 2020-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/XXXX {$500.00} was deducted from my Everyday checking account and only listed as an adjustment. After contacting Navy Federal Credit Union the same day, I received a response from them on XX/XX/XXXX in which they stated " the adjustment was for an overdraft from XX/XX/XXXX which occurred on an E checking account that they closed, and If I felt that it was done in error, then I could call the recovery department to correct the issue. 

Upon calling the recovery department I was transferred three times until I ended up speaking to the inside the fraudulent claims department in which I spoke to a young lady who told me that she would file a claim but was unsure if it would even go through since the amount of time has been so long. I told her that I was never contacted by anyone in regard to the overdraft or the account being close even though I have visited their branches recently and have made deposits to my Everyday Checking account a number of times. She went on to say that the account was closed, charged off and s listed a bad debt after I told her that I could not have made the withdrawal that was listed due to me being in another state other than where it was made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated
State: AL

Complaint narrative:
My Name is XXXX XXXX I receive government XXXX  XXXX  In XXXX, AL on a GO Program pre-paid card. On Saturday, XXXX, XXXX, 2020 there were five unauthorized purchases that were made on my account in XXXX, Georgia. I have my physical card and have never lost procession of it, so someone has skimmed my card to get the numbers. The purchases were at XXXX # XXXX for {$82.00}, XXXX  XXXX # XXXX for {$39.00}, and XXXX XXXX XXXX XXXX, GA for {$20.00}. Two were made to a " XXXX XXXX for {$4.00} and XXXX XXXX for {$7.00}, they were credited back to my account. I was successfully able to speak with someone on XX/XX/2020 when the initial charges were pending. I was told that they could not do anything until the charges posted. I then canceled and re-ordered a new card which I receive on XX/XX/2020. I have been trying to get someone on the phone so I could dispute the charges. The automated operator would not allow me to talk to a real person until I got the new card on today XX/XX/2020. I am now able to speak with a person but they have to transfer me to the fraud department which keeps me on hold for the longest 2hrs or 30min and then after that time the call disconnects. I am very angry with this process it should not be this hard just to talk to someone to dispute these charges this is very unprofessional. I am currently on hold as I am filing this complaint and it has now been 45 mins and counting. I have no money at this time for my child of which was waiting for this deposit to buy groceries and diapers. I really hope that you can help me recover the money that was lost. My Number is XXXX my e-mail address is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital one said they would remove inquiries they still are reporting inquires to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: TX

Complaint narrative:
On XX/XX/20 Franklin Collection Service Inc was in receipt of a letter that I had never done business with the company and was disputing alleged debt and requested full validation or immediate removal and cease and desist ( Tracking # XXXX XXXX XXXX XXXX XXXX ) I received an auto generated response from the company, which failed to adhere to the requirements needed to validate debt mandated by the FDCPA and Texas Finance Code. 

On XX/XX/20, I have sent a second request via mail ( cmrr # XXXX XXXX XXXX XXXX XXXX ) to the company informing them they have to validated that I in fact owe this debt, and have entered into a binding agreement with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: CA

Complaint narrative:
Hi I was just calling about my background check you guys did the first advantage the warrent that said it was issued on XXXX has been squashed also I did not plead guilty to XXXX  XXXX I pled no contestSentencing you guys have is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 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: MD

Complaint narrative:
After receiving phone calls, mail and email indicating that there were accounts opened in my name that held balances I ordered credit bureau reports in response. I have also been banking with XXXX XXXX XXXX XXXX for more than five years with a good banking relationship and initiated a new savings account and was declined. The Bank Manager and I were alarmed so I also ordered a checking account report from XXXX  and other reporting systems. I discovered that multiple accounts were opened and were in operation for some time. I have spent the last 18 months taking XXXX XXXX  and have had XXXX XXXX and I do not use credit. My home was previously burglarized at my former address at XXXX XXXX XXXX XXXX XXXX MD XXXX and I suspect one of my tenants was responsible. I also suspect suspect that Mr. XXXX XXXX XXXX who lived in the basement of my current home at XXXX XXXX XXXX may be responsible as well. The following accounts were fraudulently opened : 1. XXXX XXXX XXXX  - XXXX 2. XXXX XXXX XXXX  - Uknown 3. XXXX XXXX XXXX ( partial ) 4. XXXX XXXX XXXX XXXX ( partial ) 5.  XXXX XXXX XXXX - XXXX 6. XXXX XXXX XXXX - XXXX 7. XXXX XXXX XXXX - XXXX 8. XXXX  XXXX XXXX XXXX 9. XXXX XXXX XXXX - Unknown 10. XXXX XXXX XXXX Checking Account XXXX ( partial ) 11. XXXX XXXX Chekcing Account XXXX ( partial ) The following are attempts to open bank accounts in my name : Fraudulent Banking Activity : The following were attempts to open accounts in Mr. XXXX name currently showing as inquries : 1. XXXX XXXX XX/XX/XXXX ; 2.  XXXX XXXX XX/XX/XXXX ; 3. XXXX XXXX XXXX XX/XX/XXXX ; 4. XXXX XXXX XXXX XXXX XX/XX/XXXX ; 5.  XXXX XXXX XXXX XXXX XX/XX/XXXX ; 6. XXXX XXXX XXXX XXXX XX/XX/XXXX ; 7. XXXX XXXX XXXX XXXX XX/XX/XXXX ; 8. XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX ; 9. XXXX XXXX XXXX XXXX XX/XX/XXXX ; 10. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX ; 11. XXXX XXXX XXXX XX/XX/XXXX ; 12. XXXX XXXX XXXX XXXX XX/XX/XXXX ; 13. XXXX  , XXXX  . XX/XX/XXXX ; 14. XXXX XXXX XXXX XXXX  XX/XX/XXXX ; 15. XXXX XXXX XXXX XXXX XX/XX/XXXX ; 16. XXXX XXXX/XXXX  Credit Line XX/XX/XXXX ; XXXX  -XXXX XXXX XX/XX/XXXX ; XXXX XXXX/XXXX XXXX XX/XX/XXXX ; XXXX XXXX/XXXX XXXX  XX/XX/XXXX ; XXXX   XXXX/XXXX XX/XX/XXXX ; XXXX XXXX/XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX/XXXX/XXXX XX/XX/XXXX ; Trans Union/XXXX XXXX XX/XX/XXXX ; XXXX   XXXX/XXXX XXXX XX/XX/XXXX ; XXXX XXXX/XXXX XXXX  XX/XX/XXXX ; XXXX XXXX/XXXX   XXXX XX/XX/XXXX ; XXXX XXXX/XXXX XXXX XX/XX/XXXX ; XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX/XXXX XX/XX/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 2020-02-12 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: MD

Complaint narrative:
After receiving phone calls, mail and email indicating that there were accounts opened in my name that held balances I ordered credit bureau reports in response. I have also been banking with XXXX XXXX XXXX XXXX  for more than five years with a good banking relationship and initiated a new savings account and was declined. The Bank Manager and I were alarmed so I also ordered a checking account report from ChexSystems and other reporting systems. I discovered that multiple accounts were opened and were in operation for some time. I have spent the last 18 months taking XXXX XXXX  and have had XXXX XXXX and I do not use credit. My home was previously burglarized at my former address at XXXX XXXX XXXX XXXX XXXX MD XXXX and I suspect one of my tenants was responsible. I also suspect suspect that Mr. XXXX XXXX XXXX who lived in the basement of my current home at XXXX XXXX XXXX may be responsible as well. The following accounts were fraudulently opened : 1. XXXX XXXX XXXX - XXXX 2. XXXX XXXX XXXX  - Uknown 3. XXXX XXXX XXXX ( partial ) 4. XXXX XXXX XXXX XXXX ( partial ) 5.  XXXX  XXXX XXXX - XXXX 6. XXXX XXXX XXXX - XXXX 7. XXXX XXXX XXXX - XXXX XXXX. Bank XXXX XXXX XXXX 9. XXXX XXXX XXXX - Unknown 10. XXXX  XXXX XXXX Checking Account XXXX ( partial ) 11. XXXX XXXX Chekcing Account XXXX ( partial ) The following are attempts to open bank accounts in my name : Fraudulent Banking Activity : The following were attempts to open accounts in Mr. XXXX name currently showing as inquries : 1. XXXX XXXX XX/XX/XXXX ; 2. XXXX XXXX XX/XX/XXXX ; 3. XXXX XXXX XXXX XX/XX/XXXX ; 4. XXXX XXXX XXXX XXXX XX/XX/XXXX ; 5. XXXX XXXX XXXX XXXX XX/XX/XXXX ; 6. XXXX XXXX XXXX XXXX XX/XX/XXXX ; 7. XXXX XXXX XXXX XXXX XX/XX/XXXX ; 8. XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX ; 9. XXXX XXXX XXXX XXXX XX/XX/XXXX ; 10. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX ; 11. XXXX XXXX XXXX  XX/XX/XXXX ; 12. XXXX XXXX XXXX XXXX XX/XX/XXXX ; 13. XXXX , XXXX . XX/XX/XXXX ; 14. XXXX XXXX XXXX XXXX XX/XX/XXXX ; 15. XXXX XXXX XXXX XXXX XX/XX/XXXX ; 16. XXXX   XXXX/XXXX  Credit Line XX/XX/XXXX ; XXXX  -XXXX XXXX XX/XX/XXXX ; XXXX XXXX/XXXX XXXX   XX/XX/XXXX ; XXXX XXXX/XXXX XXXX XX/XX/XXXX ; XXXX XXXX/XXXX XX/XX/XXXX ; XXXX   XXXX/XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX   XXXX/XXXX/XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX   XXXX/XXXX XXXX XX/XX/XXXX ; XXXX XXXX/XXXX XXXX XX/XX/XXXX ; XXXX XXXX/XXXX   XXXX XX/XX/XXXX ; XXXX XXXX/XXXX XXXX XX/XX/XXXX ; XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation