vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: TX

Complaint narrative:
I previously had an account with XXXX for my cell phone services. I cancelled my service back in XX/XX/XXXX and paid my last invoice on XX/XX/XXXX for {$240.00}. I called several times to confirm my account was cancelled with their customer service department. However in bad faith XXXX has sent me to collection with a company called Source Receivables Management. I do not know this company or agreed to do any business with them however they are demanding I pay {$460.00}. I formally asked Source Receivables Management on XX/XX/XXXX to provide proof of the required documentation to validate the debt : Proof that you are licensed or legally authorized to collect on debt in my state. 
Proof of your bonding agent in the event where I must seek counsel. 
Proof of your authority in the collection process. 
Proof that the original creditor authorized you to collect on the debt on their behalf. 
The original creditors name. 
Details on when the account first went into delinquent status since that is the date required as OPEN DATE on the collection account. 
However they refuse to provide the proper documents and display the use of delay tactics. I believe this company is acting in bad faith and violating my right under the FDCPA and the FCRA. I would like someone to investigate this matter because they are reporting this collection on my credit report and causing me intentional harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
3rd ATTEMPT On XX/XX/XXXX I signed a refi on my property via a broker and 2 witnesses at XXXX XXXX XXXX XXXX XXXX  XXXX XXXX to be picked up with pout check due to machine problems Picked up check/over XXXX missing told credit score and XXXX mins before closing received call from agency stating credit score slipped more in interest. Demanded closing dics again machine problems, Docs TO BE MAILED. Never received copy of XXXX mortgage or closing Documents/ Finally told ALL DOCS LOST IN HURRICANE WILMA On XX/XX/XXXX a {$160000.00} mortgage closing took place at XXXX  XXXX XXXX XXXX XXXX XXXX without XXXX XXXX knowledge, consent and authorization of any kind. The same notary on the XX/XX/XXXX mortgage is the same notary on the Fraudulent XXXX mortgage. Also present at this XXXX closing was a witness who also participated in the XXXX closing. All done via IDENTITY THEFT I have documents that spell out " A SCHEME TO DEFRAUD '' On XX/XX/XXXX I found out the truth and upon further inspection of the clerk of Court XXXX XXXX found the following facts a, Discovered a XXXX {$130000.00} Mortgage electronically filed b.XXXX  XXXX XXXX Satisfaction pf XXXX mortgage c/Phone call to XXXX  &  XXXX who forwarded an unsigned settlement statement d, Found {$11000.00} theft in XXXX mortgage e. Electronic filing of a fraudulent mortgage to XXXX XXXX Clerk of XXXX Court on XX/XX/XXXX f.After too many calls to XXXX XXXX XXXX was able to bring the XXXX closing Documents safe RETURN from Hurricane Wilma ALL XXXX  pages. g.Confirmation of the XXXX mortgage THRFT was confirmed witg a signed settlement statement that dame back from Hurricane Wilma. And all done with DELIBERATE DECEPTION OF DOCUMENTATIONs. Was I Profiled?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 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: EQUIFAX, INC.
State: IL

Complaint narrative:
To Whom It May Concern, I am writing to lodge a formal complaint regarding the persistently inaccurate information on my credit reports across all three major credit bureaus. Despite my previous attempts to rectify these discrepancies, my credit history continues to be misrepresented. I urge the Consumer Financial Protection Bureau ( CFPB ) to intervene and ensure that the necessary actions are taken to resolve this matter promptly. 

As an identity fraud victim, I have diligently followed the necessary procedures to report the fraudulent activities to the Federal Trade Commission ( FTC ) and have submitted the required FTC Fraud Victim Affidavit. Despite these efforts, the credit bureaus, including XXXX, have failed to correct the inaccuracies that continue to plague my credit reports. 

It is disheartening to see the impact of these errors on my financial reputation and creditworthiness. Therefore, I implore the CFPB to investigate this matter thoroughly and hold the credit bureaus accountable for their failure to rectify the situation. I have included the supporting documentation, including copies of the FTC Fraud Victim Affidavit and any relevant police reports, to substantiate my claims and facilitate the resolution process. 

The credit reporting system plays a crucial role in our financial lives, and accurate reporting is vital for maintaining transparency and fairness. By addressing the ongoing inaccuracies and ensuring that the credit bureaus fulfill their responsibilities, the CFPB can help restore confidence in the integrity of credit reporting. 

I kindly request that the CFPB communicates with the credit bureaus, including XXXX, to rectify the errors promptly. I also ask to be kept informed of the progress made in resolving this matter. Your intervention is greatly appreciated, as it will enable me to regain control over my credit history and restore my financial well-being. 

Thank you for your attention to this urgent matter. I trust that the CFPB will take the necessary steps to address these concerns and advocate for a fair and accurate credit reporting system.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-06-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX-remove line per FTC, XXXX & XXXX XXXX XXXX XXXX? XXXX XXXX XXXX XXXX? XXXX XXXX XXXX taken out fraudulently-still paid in full-zero balance, never late, never charged-off or sent to collections Delete " Dergoatory '' status under Account Details & in collections/charge off from account status-there is no collection or charge off account-line does not even exist on on other reports... 

Delete-comment " Payment after charge off/collection Purchased by another lender ''

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 2023-06-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX-remove line per FTC, XXXX & police XXXX XXXX XXXX? XXXX XXXX XXXX XXXX? XXXX XXXX XXXX taken out fraudulently-still paid in full-XXXX  balance, never late, never charged-off or sent to collections Delete " Dergoatory '' status under Account Details & in collections/charge off from account status-there is no collection or charge off account-line does not even exist on on other reports... 

Delete-comment " Payment after charge off/collection Purchased by another lender ''

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 2023-06-28 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I was approved for {$1900.00} with NetCredit it was originally to be funded on XX/XX/XXXX First they advised my that the needed ONLY 2 paystubs and then I needed to call to verify my identity which I did both. But they withdrew my application Then they said that I needed 2 bank statements which was submitted My employer does not offer direct deposit.. now the declined stating they cant verify my income. Im being discriminated against because my employer doesnt offer direct deposit But the bank statement does show 2 direct deposits of social security per month

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: Chime Financial Inc
State: CA

Complaint narrative:
I received a federal XXXX loan which got disbursed into my Chime checking account. 
Chime bank has locked my account and has not released my funds nor have they sent the funds back to XXXX. 
It has been over 1 year I have been going back and fourth with them sending all my information id, address, pictures they put me on hold or drop the call. 
I am already making payments to the XXXX for my loan and I have not even gained access to my funds. 
Why is chime bank holding my money? If they did not send it to me they need to send it back to XXXX. I have asked them to close my account and send me my balance. 
I was advised by a legal councilor to take the route of communicating with consumer finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Block, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX, I placed an order for a XXXX Sectional Couch from XXXX XXXX using an installment loan from AfterPay. The estimated delivery date was XX/XX/XXXX. However, when I requested a tracking number, I was informed that there were delays and that they would let me know when my order left the warehouse. Despite checking in monthly, I received excuses about warehouse delays, and my order remained unprocessed. Finally, I decided to cancel my order on XX/XX/XXXX and requested a refund. Unfortunately, XXXX XXXX informed me that they could not issue a refund as they no longer worked with the payment processor and Afterpay does not let you open a dispute after 120 days which is a big red flag since the pandemic has caused a lot of manufacturing shortages. They suggested that I dispute the charge with my credit card company and deny receiving the goods, even though they did not offer any other solutions like a wire or ACH payment. I paid {$1500.00} through AfterPay and I've contacted them multiple times they have refused to help me with getting in touch with the merchant. AfterPay knows I have never missed a single payment ever since using them, they have refused to call me and everyone keeps giving me the same answer. The only one that can help me is AfterPay, I need them to get the merchant to give me my money back. I am very disappointed that XXXX XXXX and AfterPay did not treat its paying customers with respect and instead scammed them out of their hard-earned money. It would be greatly appreciated if they could refund my money as soon as possible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-28 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: FL

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer report. XXXX XXXX XXXX XXXX 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 2023-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: MI

Complaint narrative:
Weltman Weinberg & Reis Co. bought a debt from XXXX Bank on a credit card. Sent illegal letters threatening litigation, and refused to follow federal guidelines outlined in the FCRA to validate the debt. The last request to validate the debt was sent in XXXX of XXXX, the first requests were sent to XXXX in XXXX. Neither party validated the debt under the guidelines of the FCRA and are in direct violation of Federal law.

The debt collector also violated the contract agreement with XXXX and is attempting to use the legal system as a scare tactic even when the contract with XXXX states neither party can use the court system. 

XXXX claims charges were reversed, bank statements with XXXX XXXX XXXX ( the bank used to make the payments ) show the payments, totaling over XXXX XXXX USD did clear to XXXX. Neither party has followed written or verbal requests to validate the debt and both refuse to follow Federal laws and regulations or even state laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX  XXXX Account number:XXXX Account name : XXXX XXXX  Account number:XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-06-28 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-06-28 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Looking at my credit report are we going by the FCRA laws or not? Under 15 USC 1681 ( a ) ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. I have suffered actual damages where I cant get approved for business funding, a mortgage, to name a few because of your companys failure to provide accuracy and fairness credit reporting. THERE ARE SO MANY INACCURACIES ON MY CREDIT REPORT, IT IS DISTURBING. What's even more disturbing is these inaccuracies are constantly reappearing causing more damage than anything. I am trying to make an honest living out here but how? So many people are going homeless because of things like this. Not to mention the defamation of character because you reported wrong information about me which assassinated my character to other corporations. 

XXXX XXXXXXXX XXXX - account number XXXX inaccuracies are showing the monthly payment, date opened, balance, high credit limit, credit limit, past due, payment status and date of last payment are INACCURATE on XXXX, Experian, and XXXX SET Financial - account number XXXX inaccuracies are showing the date opened, balance, number of months and last payment INACCURATE on XXXX, Experian, and XXXX XXXXXXXX XXXX  - account number XXXX inaccuracies are showing date opened, high credit limit, payment status, and last payment status are INACCURATE on XXXX, Experian, and XXXX XXXX XXXX XXXX - account number XXXX inaccuracies are showing date opened, high credit limit, and date of last payment are INCORRECT on XXXX, Experian, and XXXX XXXX XXXX - account number XXXX inaccuracies showing monthly payment, date opened, balance, high credit limit, past due, pay status, credit limit, and date of last payment are INACCURATE on XXXX, Experian, and XXXX XXXX XXXX - account number XXXX inaccuracies showing date opened, balance, high credit limit, past due, payment status and date of last payment are INACCURATE on XXXX, Experian, and 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 2023-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lien Enforcement Inc
State: CA

Complaint narrative:
I was called by Lein Enforcement Inc. regarding a debt that I was not aware of on Tuesday, XX/XX/2023. The debt they claim I owe is for overdue towing charges for a vehicle no longer in my possession. They then proceeded to name my employer my home address as well as other personal information. I explained I sold the vehicle long before it was towed and submitted a Release of liability to my DMV in California. They provided an email " XXXX '' to submit proof of the release of liability. Later that day I submitted proof and Called the next day. On Wednesday, XX/XX/2023 I called the debt collecting to inform them I submitted the proof of a release of liability. The operator then stated the information is incomplete and that I owe {$1500.00}. After I explained again that I submitted a release of liability to the operator they will talk to their supervisor regarding the situation after a short moment the operator comes back on and states their boss agreed to settle the debt for {$1300.00}. They told me I have one week until this new settlement is available, and a week has passed they stated they will garnish my wages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
For several months, I have been receiving daily robo-calls from a variety of numbers that XXXX tells me all belong to Portfolio Recovery Associates , a debt collector. I don't answer, and no message is ever left. I have never received any written notice from this company specifying what they believe I owe. In fact, I owe no one anything. I have checked my most recent credit reports and those of my husband. Neither Portfolio Recovery nor anyone else ( except for our mortgage holder ) is listed as a creditor. Neither of us has any late payments -- both my husband and I have credit scores above 800. XXXX has also informed me that Portfolio Recovery is an unethical and problematic company, which is why I haven't tried to settle this with them. I have no desire to engage. 
Calls received have come from these numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28 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: TX

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

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