vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XX/XX/XXXX I sent my first dispute letters to all three bureaus XXXX Experian, XXXX, and XXXX  XXXX requesting validation/ verification for the following two XXXX XXXX accounts ( XXXX and XXXX ) be investigated because these accounts are not mine, inaccurate, and fraudulent activity and to delete from my credit report.

Following my dispute letters TransUnion removed the two accounts from my credit report. Experian and XXXX  continued to report inaccurate information. 

XX/XX/XXXX a letter from the XXXX Municipal Court XXXX XXXX District of PA was hand delivered stating I had court XX/XX/XXXX. On this form it states " For Service at a New Address '', the first summons was sent to my mother apartment in which I never lived. 

I attended court on XX/XX/XXXX requesting trial because these accounts are not mine, inaccurate, and fraudulent. I was appointed a new court date for XX/XX/XXXX XXXX. I was then mailed additional information at my mother apartment Notice of judgement. Attached will be documentation XXXX exhibit 1, exhibit 2, and exhibit 3 ) supporting all claims above. 

XXXX XXXX XXXX is violating my consumer rights and never provided validation or proof that this debt belongs to me. Falsified documentation and purposely sent mailings to an address that is not mine so I can miss court dates ( please see exhibit 1, exhibit 2, and exhibit 3 for supporting my claims. ) Furthermore Experian, XXXX, and XXXX  are liable for violating FCRA 15 usc 1681. 

I have never received communication from XXXX XXXX XXXX stating they have purchased my alleged debt. The first communication I received were judgement papers this violates FDCPA 15 usc 1692

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 2021-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
We were living in the XXXX XXXX XXXX of XXXX prior to the pandemic. When the seriousness of the pandemic was realized, my partner and I left because she is a XXXX XXXX. We notified our landlord of our intention to terminate our lease due to the gravity of the situation. Since then, they have forwarded our information and the debt for the remainder of the lease to PDM Debt Mediation. This debt collector is located out of XXXX, Florida. 

My partner and I need to bring to the attention of the Consumer Financial Protection Bureau ( CFPB ) the fact that this company has sent us several correspondences, none of which indicate we may dispute this debt. PDM misrepresented the fact that they would not submit a negative credit report to a credit reporting agency about this credit obligation until the expiration of the time period described in the notice on the front of this letter. However, the letter contained no notice of time period in which we should contact them ( see attachment ). 

PDM used abusive, deceptive, and unfair debt collection practices because less than 30 days after receiving the first letter, I received a negative activity report on my credit. This resulted in a 50 points decrease in my credit score ( see attachment ). Under the Fair Debt Collection Practices Act ( FDCPA ), a consumer written notice must contain a statement that unless the consumer, within thirty days receipt of the notice, disputes the validity of the debt will be assumed to be valid by the debt collector. 

Furthermore, they contacted my brother, without my express permission, at XXXX XXXX XXXX Under the FDCPA, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer. 

If someone from your office could contact us, that would be much appreciated. Thank you and stay safe. 

Best,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have already tried reaching out to this credit bureau about fraudulent accounts that have been reporting on my credit and nothing has been done to solve this issue. There are still accounts reporting that do not belong to me and I want these items re disputed for further investigation. I was a victim of identity fraud and my personal information was used to open these accounts without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I recently filed a report with XXXX, XXXX, and XXXX  of inaccurate items being reported on my credit reports. XXXX  and XXXX  removed the above mentioned item once an FTC Report and documents to verify my identity were sent. XXXX did not. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of these debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being report on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipt otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by the Fair Credit Reporting Act and Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-05 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have contacted Experian many times over the years and especially these paths few months. Despite providing valid documentation for the bureau to delete false items on my credit report. The representatives often disconnect the line and promise call backs of supervisors which never occur. Investigation results take a long period of time and nothing changes. No real proof of any investigation being done.

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 2021-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Trinity Enterprises Partners, LLC
State: MD

Complaint narrative:
Trinity Enterprise providing misleading services claiming that by paying {$600.00} before any services provided, they would delete items on my credit report and improve my credit score. During the 8 months, I had a contract with them, no improvement took place.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I filed a complaint here at CFPB ( complaint ID XXXX ) about this and received a letter from the other party. My claim was about National Credit Adjusters appearing on my credit report for collecting on an alleged debt with XXXX XXXX. On the letter I received from National Credit Adjusters as a response to my first CFPB complaint, they noted that, " Our records indicate that NCA has been reporting accurately to teh credit bureaus on your XXXX  account. '' WHAT IS MY RISE ACCOUNT? MYCREDIT REPORT WITH XXXX SHOWS A COLLECTION ACCOUNT FOR XXXX XXXX UNDER NATIONAL CREDIT ADJUSTERS ' NAME. What NCA wrote on the letter does not answer the question I posted on my first CFPB claim. ALso, they did not provide me with proof I owed the original creditor anything ( e.g copy of contract, billing statement, etc ). AND NOW THEY MENTIONED " RISE '' WHICH I DO NOT RECOGNIZE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
In about XXXX of XXXX, I discovered an account from LVNV Funding LLC on my XXXX credit report. The account referenced an original creditor called XXXX XXXX XXXX, with whom I have never opened or had an account. I wrote directly to LVNV Funding LLC on XXXX XXXX, XXXX and on XX/XX/XXXX regarding this account. I informed them that the account was not mine and was fraudulent. I did not receive a response to either of my letters, which the United States Postal Service confirms was received by LVNV Funding LLC both times. I have also written several dispute letters directly to XXXX. To this day, LVNV Funding LLC is reporting this account on my XXXX  credit report and refuses to remove this fraudulent account. LVNV Funding LLC also continues to report updates to my credit report regarding this account, even though any and all collection activity should have stopped after I sent them the first letter. Until they actually respond to any of my letters, all of this collection activity against me is illegal and violating the Fair Debt Collection Practices Act as well as some of my own state 's laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
Tried closing My Goldman Sachs Apple Card by calling customer service. They told me the account was restricted. I asked why. They couldn't give me a reason as to why my account was restricted. Employees refused to give me any information on the account. I would like my account completely removed and my information completely out of Goldman Sachs ' database.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have already tried reaching out to this credit bureau about fraudulent accounts that have been reporting on my credit and nothing has been done to solve this issue. There are still accounts reporting that do not belong to me and I want these items re disputed for further investigation. I was a victim of identity fraud and my personal information was used to open these accounts without my knowledge.

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 2021-03-05 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: Global Lending Services LLC
State: CA

Complaint narrative:
My identity was stolen and multiple credit card and vehicle loans were taken out in my name. Ive contacted the company over 10 times because the fraudulent information is being reported to the credit agencies, and now it is interfering with my ability to close escrow on my house. This was a vehicle loan taken out in my maiden name. I have submitted multiple disputes, directly as well as through the credit bureaus all to no avail. I have multiple police reports and identity theft reports from the FTC. They are all being ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Eltman Law, P.C.
State: TX

Complaint narrative:
Eltham Law Pc ( XXXX XXXX ) filed judgement against me on a debt with XXXX third party debt that I did not sign a note with them. She attempted to garnish my bank account which is not allowed in Texas. My bank called me and took care of it. At the time I did not know the law sof I got an attorney name XXXX XXXX XXXX he advised me to negotiate and I did paying {$100.00} a month for 3 years on time. Then on XX/XX/XXXX - XX/XX/XXXX they did not cash my checks. No call no letter no nothing. I tried to call no answer. I sent letters no reply. They breached the contract that was entered XX/XX/XXXX. I want my money back and judgement removed.

Company response to consumer: Untimely response
Consumer complaint received 2021-03-05 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: TN

Complaint narrative:
On XX/XX/XXXX I sent TransUnion a letter disputing the validity of the bankruptcies they are reporting on my credit report. They responded with a letter stating they verified this item through XXXX XXXX. I went directly to XXXX  XXXX to dispute the items in question and XXXX XXXX could not verify the items s because they were not in their database nor have they received a dispute from TransUnion. 

I then went back to TransUnion on XX/XX/XXXX and showed them the letter from XXXX  XXXX stating there are no bankruptcies in XXXX  XXXX  database informing them if they could not reveal how they truly verified these items then it needs to be deleted according to the FCRA. They have once again refused to delete these items which is imploding on my ability to purchase a home and causing me to pay thousands more in interest every year. 

These 2 items needs to be deleted from my credit report if it can not be verified within 30 days.

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 2021-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In middle XXXX, Citibank contacted me about the suspicious card transaction with XXXX and I told them that was not a purchase I made. After that, I found more fraud transactions below when I logged on to my account on their website. 

Date Description Amount XX/XX/XXXX XXXX XXXX XXXX CA {$510.00} XX/XX/XXXX XXXX XXXX XXXX CA {$870.00} XX/XX/XXXX XXXX XXXX XXXX CA {$920.00} XX/XX/XXXX XXXX XXXX XXXX CA {$920.00} XX/XX/XXXX XXXX/BILL XXXX CA {$6.00} XX/XX/XXXX XXXX XXXX XXXX KS {$340.00} I contacted their customer support and told them that those were also fraud transactions and I had never made them. On XX/XX/XXXX, they sent me a letter mentioning they determined those transactions were mine and would remain on my account. 

I sent my letter to their security manager on XX/XX/XXXX & XX/XX/XXXX and explained those were not my transactions but were fraud transactions. I originally tried to fax those letters to the number ( XXXX ) I got from their customer support but the number did not accept any faxes even though I tried many times from different fax machines and online fax transmission service. I called their customer support again and got a different fax number ( XXXX ) and was able to send my letters finally. I also mailed them by USPS. 

As of XXXX, I have not heard anything from them. I am disappointed and frustrated very much because of their wrong judgment and poor customer service. 

My point is ... 
- I have never made those purchases/transfers and am not aware of anything. 

- Though Citibank says those transactions were made in XXXX XXXX  on my XXXX, I have never used XXXX XXXX  for any purchase in my life. I just registered my credit cards just in case I may XXXX XXXX  in the future. 

- 5 transactions show XXXX. When I contacted XXXX, they told me people can not send money from XXXX XXXX  to XXXX. 

- After I received a replacement credit card, I removed the card with fraud transactions from XXXX XXXX. XXXX told me there was no way to tell the card on my phone was used, but Citibank ' explained in their letter that those transactions were made by the card in my XXXX XXXX  on my XXXX. They are obviously wrong as there is no history. 

- I have not bought any products nor services from XXXX for a very long time. I don't even have an account with XXXX. 

- On their XXXX statement, 4 of XXXX fraud transactions appear under " Cash Advances '' with the advances transaction fee of {$160.00} but Citibank issued a refund for the fee ( {$XXXX} ) on XX/XX/XXXX. This must mean they recognized those transactions were not mine. 

I have not heard anything from them yet. 
Please help me fix this serious problem.

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 monetary relief
Consumer complaint received 2021-03-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivable Management Inc.
State: OK

Complaint narrative:
This was a surprise Bill and I had insurance. I am XXXX unemployed and was not given opportunity to provide financial assistance to you before it is sent to collections as required by Texas law. I have no idea what these services were but I dont believe they submitted the claim to insurance and if they did I believe they are balance billing in violation of Texas law and their contract with my insurer. I have never received a bill or been offered financial assistance. I am XXXX on food stamps and living in a residential facility. They should have notified me about this a long time ago and given me information about what I was being charged for what was covered by insurance and why I wasnt eligible for financial assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

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