vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I pulled my credit report on today and noticed that there was an inquiry on my credit from Portfolio Recovery Associates without my consent. Ive disputed this company in the past with wrong information reporting on credit report and have asked this company to stop contact. The Credit Bureau had dropped this company from my credit report but they continue to make inquiries on my credit which results in denial of credit. I did not give this company permission to pull my credit and have not had any contact with this company in several years or since 2018. Theres no reason for this company to check my credit this month or since this account was disputed or out last contact of informing them to stop harassing years ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
These accounts do not belong to me, I am respectfully requesting the deletion of XXXX XXXX XXXXt XXXX XXXX, Capital One, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
THERE WAS A BANKRUPTCY ON MY CREDIT REPORT THAT I DISPUTED AS INCORRECT INFORMATION ON MY CREDIT REPORT ( NOT MINE ) I DISPUTED THIS WITH ALL THREE CREDIT BUREAUS. XXXX  ADN XXXX HAVE SINCE DELTED THIS. I SUBMITTED A LETTER FROMT EH COURT HOUSE STATING THAT THEY DID NOT REPORT THIS AS WELL AS XXXX XXXX, AND EXPERIAN REFUSES TO TAKE THIS INCORRECT INFORMATION. I KNOW THAT ALL THREE CREDIT REPORTING AGENCIES HAVE TO FOLLOW THE SAME FCRA LAWS AND GUIDELINES. IF TWO OF THE CREDIT AGENCIES DELETED THIS FROM MY CREDIT REPORT FOR INACCURATE INFORMATION, EXPERIAN SHOULD BE DOING THE SAME THING. THEY REFUSE TO GIVE ME ANY INFORMATION ON WHERE THEY'RE GETTING THIS INFORMATION FROM. THEY LIED AND SAID THEY GOT IT FROM THE COURT AND THE COURT MAILED ME A LETTER SAYING THIS IS NOT TRUE.

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 2021-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: All Debt Solutions Inc. dba: 1st Class Agency
State: NJ

Complaint narrative:
The All Debt Solutions , Inc. ( debt collecting Agency in XXXX ) stated is XXXX XXXX of NJ as their client. I have had no dealings with XXXX XXXXXXXX of NJ. 
This is misrepresentation and questionable practice to collect money. 
I have responded to them by certified mail stating that I have no outstanding debt with their client. 
The collecting agency letter had no date, no signatures, and no name of the sender. 
I request the CFPB to investigate the matter and put a stop to such questionable practices of this company and their client.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 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: EQUIFAX, INC.
State: GA

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CL Holdings LLC
State: MD

Complaint narrative:
Jefferson Capital Systems furnished an alleged debt on my Credit File. I requested debt validation along with my request for information outlining their right to collect a debt from me. Jefferson Capital Systems responded by providing information outlining a debt owed to an entire different entity along with a created document from themselves that ( says ) that they purchased a debt and I am liable. Jefferson Capital Systems failure to produce the purchase agreement and or quit claim, in which I specifically requested leads me to believe they are attempting to collect a debt under false pretense which is a violation of the Fair Debt Collection Practing Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmeriCollect
State: FL

Complaint narrative:
A certified letter was mailed to AmeriCollect which was dated XX/XX/2021. The letter was a certified letter that was received by AmeriCollect and the request was a FORMAL REQUEST FOR VALIDATION OF THIS ALLEGED DEBT ( see attached copy of letter ).

AmeriCollect currently has 2 accounts reporting on all 3 of my credit reports that were paid by the State of Florida victim 's advocacy. I was a victim of a wrong home invasion and shooting and all medical bills are paid under this program. ( see attached proof ) AmeriCollect currently has 2 accounts reporting on all 3 of my credit reports. One in the amount of $ XXXX and the other for {$150.00} that they refuse to removed. 

AmeriCollect failed to provide proof of the debt as requested in Certified Mail : XXXX ( see attached proof of receipt ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 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: NY

Complaint narrative:
I look at my Credit Report and i see unauthorized inquiries on my report from XX/XX/ 2021. I did not authorize XXXX XXXX XXXX XXXX, global lending service or XXXX motor acceptance to look at my credit report i dont have any accounts with those companies i have sent letters to experian and the companies asking them to remove the inquiries

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 2021-06-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BMO BANK NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have checking and savings accounts with BMO Harris, which I rarely interact with. Had around $ XXXX {$700.00} balance in both accounts combined. My accounts were no maintenance fee accounts. Hence, I was not concerned with putting more money in the account. BMO Harris decided to add a minimum balance requirement and change the fee structure of the accounts and started charging me monthly maintenance fees without due notification. I was told that it was disclosed as a statement message. I decided to close my accounts. I called multiple times to BMO Harris and tried to close my accounts - they closed my checking account with one representative warning me that the account will be closed but might reopen on its own if a transaction posts to the account and would result in overdraft fees which I will be liable to pay. To which I asked the representative to make sure no transaction posts/decline all transactions - I was told that it can not be done, I am responsible to make sure no transaction can post to the account.

My savings accounts with a balance of around {$300.00} was not closed, and then, I realized there was a debit transaction equal to balance, that made the account balance XXXX. When I called for asking what this transaction was, I was told I failed verification, I was told they sent me a text to my mobile phone for verification, which I never received. I asked the them to resend the text, which they declined saying its a one time thing regardless of why the text message could have failed to deliver. Now I am being asked to go to a notary and get my id verified. I can not expose myself to COVID trying to get my id notarized.

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 2021-06-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: GA

Complaint narrative:
Spoke with an individual from AFNI requesting my social security number and identifying information. I requested to know what their call was regarding. The individual seemed to become irritated and stated I owed a debt which I have no knowledge. There was an address in their file that they said belong to me. However, I never resided at that address. I lived in an entirely different state. The representative stated they'd mark the account as verified although it was being disputed. This derogatory mark has affected my credit with being subject to higher interest rates due to a collection item. I feel this is a direct violation of the Fair Credit Reporting Act by the creditor and XXXX. And I feel XXXX did not nor do they ever do their due diligence to investigate these matters. I feel XXXX always sides with the creditor. There needs to be reform to have credit bureaus do a better job. I've lost $ XXXX from this inaccurate reporting to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 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: CNG FINANCIAL CORPORATION
State: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
In XX/XX/2020 after pulling my credit reports, I noticed a negative account being reported by the company LVNV Funding LLC in the amount of {$1300.00}. I was not aware of who this company was and have never received any information from them pertaining this account nor had I ever received any notification or documentation from this company informing me that I could dispute this debt or that they would place this information on my 3 credit reports. 
I reached out to the company LVNV Funding LLC in XX/XX/2020, requesting a validation of debt since I had no knowledge of who this company was and had never conducted any business with LVNV Funding LLC. ( See attachments ). 
As of today, I have not received the items listed in the letter and the items continue to report on all 3 of my credit reports. 

The Consumer Financial Protection Bureau ( CFPB or " Bureau '' ) issued a second debt collection final rule that : clarifies the validation information and disclosures that a debt collector must provide to a consumer at the outset of debt collection communications and provides a model notice containing such information, prohibits debt collectors from bringing or threatening to bring a legal action against a consumer to collect a time-barred debt, and requires debt collectors to take certain actions before furnishing information about a consumer 's debt to a consumer reporting agency ( CRA ). Debt collector communication disclosure ; ( I never received it ) Debt collector 's name and mailing address ; Consumer 's name and mailing address ; I ( the debt collector is collecting a debt related to a consumer financial product or service, the name of the creditor to which the debt was owed on the itemization date ; Account number or truncated account number, if any, associated with the debt on the itemization date ; Name of the creditor to which the debt is currently owed ; Current amount of the debt ; Amount of the debt on the itemization date ; Itemization-related information ; ( I never received it ) Information about consumer protections ; ( I never received it ) Consumer-response information ; and ( I never received it Consumer dispute prompts. ( I never received it )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XX/XX/2021 I received a XXXX dollar fraudulent check to be a " secret shopper '' for XXXX. I was under the impression this check was valid. The assignment was to buy gift cards with XXXX and keep XXXX. The gift cards were meant for my " next assignment ''. I went to the bank to deposit the check through a teller. The " secret shopper '' assignment claimed to have a time limit in order to receive a bonus for my efforts. I asked the bank if the check was able to go through sooner than later due to this assignment, also explaining the assignment and showing the documents I have received. The bank explained to me that it would take XXXX days at most to go through because the check needed to be under review to make sure the funds were actually available since I did not have the funds in my account to match the check in the case that the check bounces. I called customer service to have them explain this to me in further detail, I did not get upset with the bank knowing that they we're just making sure my money was secure, or so I was under the impression. The check went through the next morning and I was able to purchase the first XXXX dollar gift card in which I was supposed to send pictures to " XXXX '' which was the scammer. the next day I went to complete my assignment and noticed that my account was negative the XXXX I spent on the gift card. I called my bank and they informed me this was a fraudulent check. I visited my bank ( TD Bank ) to see how we can resolve this issue and the bank explained to me it was my responsibility for giving them this check although this is a known scam. The bank told me to try and get the gift card returned, which was not possible and the funds have been used by the scammer. I went back to the bank and I explained that I was under the impression this check would not be deposited into my account unless it was proven to be valid prior. This man kept repeating that if my cousin gave me a check to deposit and said he would pay me for it that it would be sketchy. This however was not my cousin, this was scammer who has made me a victim of fraud. I was told I have 30 days to resolve the issue before it was sent to collections, yet I am not the one who released the money to myself, the bank gave me money that didn't exist and put me under the impression that it would exist before giving it to me. Banks were put in place to keep our money safe, and now I have been compromised of money that I don't have to begin with. I do not have a credit card for this reason, I have a debit card in which I am not supposed to be paying back because it is used for money I already have.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
I have been making monthly payments to Portfolio Recovery, but upon receiving my credit report, discovered I do not owe them money. 
Their contact number is XXXX. They also have made repeated phone calls to family. I want this to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-27 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
On XX/XX/2021 I sent a letter to the credit bureaus asking them to investigate some WRONG accounts that they are reporting on my credit report. It happens that a few days ago I came back and I see that the accounts have not yet been removed from my credit report and the credit bureaus did not even deign to answer my disputes. Where are my rights? They are violating them, and their customer service is terrible when you try to get answers on the phone with them, they definitely do what they want with consumers and nobody protects us. That is why I am submitting this complaint with you in the hope that you will listen to my complaints.

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 2021-06-27 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
From XXXX XXXX XXXX of 2021, I filed a dispute with Experian, XXXX and XXXX about the unverified and inaccurately reported collection account : XXXX XXXX XXXX Account number XXXX that was reporting a different date of last activities and different high balances being reported. According to FCRA any inaccurate and unverified item must be removed from a consumer 's credit profile. In these few months, I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in several months. I am attaching a copy of my report to show the inaccuracies I am complaining about.. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about this inaccurate account as of today. Thank you

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