vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-06 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I filed a ftc complaint XX/XX/XXXX via online at FTC XXXX as directed by Equifax. After filing my report I went online to Equifax website to send in dispute Per Mr. XXXX in the fraud department on XX/XX/XXXX. Come to find out while I was doing as requested calling original creditors to ask about letters of deletions for unrecognized hard inquiries and was turned back to Equifax. Mr. XXXX had already processed a fraudulent dispute for the inquiries I didnt recognize. This was done before I could provide my previous FTC complaint to Equifax as required per Mr. XXXX in the fraud department. I asked for assistance with deletion and was told NO even hung up on but on the other side Mr. XXXX disputed the inquiries and sent results saying they were factual even after I gave him each companys response. As a consumer I feel violated. Without my knowledge Mr. XXXX went into my consumer credit report and did as he please without my consent. I asked that each inquiry I do not recognize which is each inquiry Mr. XXXX fraudulently disputed be removed from my credit profile immediately. All are as follows : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I only disputed one address that I was lied to via Equifax dispute results on XX/XX/XXXX saying it was removed yesterday for a second time. I did not officially authorized Mr. XXXX to dispute anything else until I sent in official FTC report containing each inquiry as requested and required of the fraud department in Equifax per Mr. XXXX to remove from my credit reports. I feel violated as a consumer. I did not dispute any hard inquiries with the fraud department on XX/XX/XXXX. 

When I called Equifax back to address the issue of my consumer rights being violated by the improper use of my credit file I was told this is just something they do and the dispute results I have are not dispute results but clearly shows dispute results of inquiry disputes I did not authorize or request. When I questioned the validity of the results and asked for a supervisor of the fraud department the representative whom refused to give her name said she was not transferring the call instead hung up in my face.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: NJ

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
capital one is showing on my XXXX and XXXX that i was 30 days late in XX/XX/2018 i have asked several times for verification of this and nothing gets provided i have disputed it many times as well and nothing changes. I am positive i was not late at all on this account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: HI

Complaint narrative:
Transunion and XXXX reporting XXXX XXXX XXXX credit Inquiry

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I received a letter from XXXX XXXX XXXX XXXX stating that I owed PayPal {$300.00}. I have never had a PayPal account. I have never used PayPal or even tried to go to their website. Also, it is my understanding that PayPal is not in the business of extending credit, but rather a go between for making online purchases. Therefore, this letter in my opinion is an obvious scam. Either intended to get money directly, or to get me to call their number so they can then record my voice to further commit frauds against me. 

The letter says to send checks to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX The letter states that calls to or from may be monitored or recorded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I was scammed in a romance scam. I made payments to friends of the romantic interest that were done using ACH at BBVA ( now PNC ). This appears to be a very common issue. BBVA says they have no reporting steps in place for scams that dont involve unauthorized transactions. They should have a procedure in place that reports to the federal government and the receiving bank that the transaction is a potential fraud and scam. By not taking these complaints and sharing the information to receiving banks and government agencies they are abetting these scammers. I was scammed of {$24000.00} in 2 months. The only money I was able to get returned was through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: EQUIFAX, INC.
State: HI

Complaint narrative:
XXXX and Equifax reporting XXXX XXXX XXXX credit Inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Professional Finance Company, Inc.
State: OK

Complaint narrative:
On XX/XX/XXXX, I was served a summons I was being sued over a medical debt from XX/XX/XXXX. I had no clue about this debt OR that it had been purchased by a collection agency. 
When the services were initially rendered, I had been terminated from a government sponsored medical plan a week or so prior and didn't know I was uninsured. I had given the admissions person the XXXX information when I was seen in the ER. I found out later that day when I tried to fill a prescription, that I had been terminated from the insurance. 
I never received a bill for the services, so I thought it had been paid by XXXX. 
I moved to my current location in XX/XX/XXXX. I had the same phone number from XXXX - XXXX. I also had a job at the same place during that time. 
My first notice of this debt was the summons to appear in court for an outstanding debt of {$1000.00}. 
I have been attempting to fight the civil case in court per se since our first court date. Professional Finance Company, LLC has never called me or attempted to remedy this debt outside of the court proceedings. I attempted to settle for {$250.00} with my paperwork during discovery. No response, only another court date. 
Not only did I NOT know this debt was still owed for 4+ years, I didn't know it had been sold to this predatory company. They sued me without ever trying to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: DC

Complaint narrative:
FAIR COLLECTIONS & OUTSOURCING has attempted to collect an alleged debt not owed. 

I received an alleged debt collection notice from FAIR COLLECTIONS & OUTSOURCING, INC for the amount of {$8200.00} which violated 5 federally protected consumer rights under 15 USC 1692. 

On XX/XX/XXXX, I mailed a Debt validation letter to FAIR COLLECTIONS & OUTSOURCING, INC requesting validation and NOT " verification '' or proof of my mailing address. Also on this date, I mailed a Cease and desist letter pursuant to 15 USC 1692c ( c ) to cease all forms of communication with me through any and all mediums. 
I have also sent a notarized affidavit of truth with exhibits and an invoice for the violated federal consumer rights under 15 USC 1692 which is {$1000.00} per violation. 

I have received a green return receipt stating that FAIR COLLECTIONS & OUTSOURCING, INC received and signed for the letters as of XX/XX/XXXX. 

FAIR COLLECTIONS & OUTSOURCING , INC currently has 711 consumer complaints on the CFPB as of 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 2021-10-06 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 — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I notified you that this account is unknown. How did you verify this account and where is the documentation that would prove this? 
Section 609 states that you're required to send me the original paperwork that verifies this account, otherwise this is false information!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I have called Mr Cooper constantly trying to get back on track with paying my regular payments. When I first called & was put on the forbearance plan the agent told me that I would have options when coming off & never told me I would need legal documentation. There is an agent on a recorded line that also explained that the information was misleading. I am now being told that I have to pay a lump sum while in the process of trying to do a modification in order to get back on track! This company has been nothing but horrible. What was meant to help out has caused more trouble

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX, TransUnion, XXXX, are in violation of the FCRA and i can consider their violation an act of identity theft. As a consumer I have a right to privacy Under the FCRA, 15 U.S.C. 1681 ( 4 ) which states, There is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to PRIVACY. You have violated my privacy which can be considered identity theft. You do not have a permissible purpose to furnish my consumer report. I did not give you any written instruction to do so. This is also a violation Under the FCRA, 15 U.S.C. 1681b ( a ) ( 2 ) Permissible purposes of reports. They are reporting a dismissed Bankuptcy on my credit report. I am aware that XXXX receive information from a third party verification system known as a pacer system and then sells this information to other collection agencies. The Pacer system is sometimes inaccurate because of the limitations of providing a complete Social Security number. Although it is your policy to keep reporting bankruptcy that is filed, dismissed, or adjudicated for up to 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order relief. 
Any case, civil or otherwise, which is dismissed, no longer exists in the eyes of the law, and a case filed may never have actually been adjudicated. You have no right to maintain information which the government has deemed non-existent. It is only fair that in accordance with section 1681 ( a ) ( 5 ) of the Fair Credit Reporting Act you delete this 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 2021-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX, XXXX, equifax, are in violation of the FCRA and i can consider their violation an act of identity theft. As a consumer I have a right to privacy Under the FCRA, 15 U.S.C. 1681 ( 4 ) which states, There is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to PRIVACY. You have violated my privacy which can be considered identity theft. You do not have a permissible purpose to furnish my consumer report. I did not give you any written instruction to do so. This is also a violation Under the FCRA, 15 U.S.C. 1681b ( a ) ( 2 ) Permissible purposes of reports. They are reporting a dismissed Bankuptcy on my credit report. I am aware that XXXX receive information from a third party verification system known as a pacer system and then sells this information to other collection agencies. The Pacer system is sometimes inaccurate because of the limitations of providing a complete Social Security number. Although it is your policy to keep reporting bankruptcy that is filed, dismissed, or adjudicated for up to 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order relief. 
Any case, civil or otherwise, which is dismissed, no longer exists in the eyes of the law, and a case filed may never have actually been adjudicated. You have no right to maintain information which the government has deemed non-existent. It is only fair that in accordance with section 1681 ( a ) ( 5 ) of the Fair Credit Reporting Act you delete this from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: Verisk Analytics Inc
State: FL

Complaint narrative:
On XX/XX/2021 I sent a letter via USPS to XXXX in regards to the bankruptcy listed on my XXXX report. In response I received a letter back on XX/XX/2021 stating that XXXX verified the " alleged '' bankruptcies through LCI. However on LCI website, they explicitly state " LCI DOES NOT MATCH BANKRUPTCY INFO TO XXXX CREDIT FILES ''. XXXX so how do YOU consider this information verified if LCI is stating they don't verify such information? If XXXX is reporting data it obtained from a company who isn't FCRA compliant then XXXX wouldn't be FCRA complaint, right? LCI claims they get information from PACER, but PACER doesn't report full SSN 's so how are they verifying who the records belongs to? Just guessing? I have also reached out the courthouse these " bankruptcies '' is housed at, they responded back with a letter stating they do NOT release information to 3rd party companies. Also if you have not physically gone and received documents with my full social security number this is NOT a verified item which means it must be immediately removed. Neither XXXX nor the courthouse release information to any 3rd party companies. Provide exact proof on how these " bankruptcies '' were verified as accurate showing FULL SOCIAL SECURITY NUMBER as proof. XXXX in return sent in information only showing the last four of a social security number, which is NOT verification. Items are unverified if full social security number is not shown. XXXX is not a for profit company thus does not supply full social security numbers nor information to 3rd party companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MRS BPO, LLC
State: OK

Complaint narrative:
mrs bpo XXXX XXXX XXXX XXXX XXXX, nj.XXXX phone XXXX XXXX XXXX and XXXX XXXX XXXX they put a collection on my credit report.This is not my account. 
I called the phone numbers and gave them my social security no. and phone no. and address they said they have no accounts. I told them I know that and this collection is not mine.But they said they couldn't remove it because they had no account number.amount is {$1100.00} and said opened on XX/XX/21

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NC

Complaint narrative:
Attached below is my FTC report on Fed Loan Servicing. I entered a consumer credit transaction with them and Fed Loan Servicing acquired my negotiable instrument attached down below which is payment according to Federal Law. Fed Loan Servicing is now stating that I owe them money, how is this possible when my promissory note was taken during the consumer credit transaction as payment along with my social security number and signature.

Also the original promissory note failed to disclose my rights as the debtor pursuant to 16 CFR 433.2 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. 
In connection with any sale or lease of goods or services to consumers, in or affecting commerce as commerce is defined in the Federal Trade Commission Act, it is an unfair or deceptive act or practice within the meaning of section 5 of that Act for a seller, directly or indirectly, to : ( a ) Take or receive a consumer credit contract which fails to contain the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

or, ( b ) Accept, as full or partial payment for such sale or lease, the proceeds of any purchase money loan ( as purchase money loan is defined herein ), unless any consumer credit contract made in connection with such purchase money loan contains the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

Can Fed Loan Servicing please provide the original agreement and bank keeping entries ( GAAP ) for the record to show that I owe such alleged debt. I have the right to request such documents due to the Freedom of Information Act. Should the one who funded the loan be repaid the money?

It will be considered fraudulent concealment and deceptive from of fraud if Fed Loan Servicing can not provide : The original party who funded the loan Book keeping entries Full material disclosure pursuant to 15 USC 1602

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Fidelity National Financial, Inc
State: GA

Complaint narrative:
I AM REQUESTING ALL DOCUMENTATION PERTAINING TO THE FOLLOWING COMMERICAL PROPERTIES. THIS INCLUDES COPIES OF DEEDS, CORRESPONDENCE WITH AGENCY OWNER, ANY EVIDENCE REGARDING BLDG PURCHASE SUBMITTED BY XXXX XXXX, AGENCIES NAMES XXXX XXXX XXXX XXXX XXXX XXXX ATTACHMENT AND BONDING XXXX XXXX XXXX XXXX XXXX XXXX AT XXXX, XXXX XXXX, XXXX GA XXXX XXXX XXXX AT XXXX XXXX XXXX, XXXX GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have a XXXX credit card account. XXXX is not sharing my account information with Equifax. I already tried resolving the issue with Equifax. Equifax sent me a letter that I need to contact XXXX because they are not sharing/reporting my credit card account information with Equifax. 

My XXXX Credit card account does not show on my credit report with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: NJ

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation