vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
XXXX is an illegitimate system and failed form of verifying documentation and including and up to ILLEGAL to convert LEGAL notarized affidavits to numeric codes. FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. GLA has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send screenshot statements. Send my actual signature on a contract. As this debt is Not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 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: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida   DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2019-10-24 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: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida   DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida  id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Home Loan Center, Inc.
State: TN

Complaint narrative:
Lending tree llc messaged me and informed me my loan was approved to just esign thebpaperwork and they would expedite the process. They the. Called me and wanted me to buy insurance or send them.an ebay card for XXXX bucks. Then theybqoukd sendbthe money I called the bank that they said were my lenders and they informed me this was not the case they are scammers. They are fraudulently using XXXX XXXX   XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Palm Beach Credit Adjustors, Inc
State: FL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Advanced Collection Bureau, Inc.
State: FL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
In XX/XX/XXXX, I closed my XXXX XXXX XXXX due to lousy customer service. At the time, the credit card company misapplied payments I had established and refused to correct the problem Since then I've been paying faithfully on my remaining balance, cutting it almost in half. Also since then, I've had limited access to my account online so that I could establish and, if needed, modify online payments. I also use the card 's free credit score service. 

On today 's date, Thursday, XX/XX/XXXX, I tried to access my account on another computer and entered an incorrect password. I was immediately locked out of my account. The only way to access the account and remove the lock is to provide the full 16-digit credit card number and three-digit code on the back, which creates a paradox since the account has been closed for years. 

Also on today 's date, I contacted customer service and spoke to two representatives who refused to help me. The first person said online access ends after six months of closing a card, which doesn't make sense because I've had access to my account online for nearly four years. A second representative said the only way to access my account is with the 16-digit account number, which he said is on the statement. However, I was at work, didn't have the statement with me, and most credit companies have a variety of ways to verify one 's identity. The lousy customer service I received today is of the same level of poor service I received previously. All I want is the ability to access my account to modify payments as needed. It's a closed account so there's no identify theft risk. I will never do business with XXXX XXXX or XXXX XXXX as a result of this fiasco, and encourage everyone else not to give them business either.

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 2019-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
Late at night on XX/XX/XXXX in XXXX Maryland I lost my debit cards. TD Bank and XXXX  XXXX. Once I got back to my college, probably 2 hours after losing my cards, I checked my wallet and saw they were  missing. I immediately froze my XXXX  XXXX card and checked and saw no fraudulent purchases or withdrawals. I then checked my TD account and saw XXXX dollars in withdrawals. The person withdrew my limit of XXXX on XXXX and then waited until after midnight to withdraw more money from the account. There are also several balance inquiries. I was charged a non-TD atm fee for all of this. I immediately called TD to freeze the card and wanted to dispute the transactions. I was told to wait until the transactions posted. That tuesday XXXX the withdrawals went through on my account and I immediately called to file the dispute. On Friday XX/XX/18 I called my bank as I received no notice and they told me the dispute was denied. They claimed there were no incorrect PIN enters and that was their reasoning. I have now filed a police report and will go down to the TD branch in XXXX to refile the dispute with the report attached. I told them I should be responsible for only XXXX dollars but they keep claiming it is on me and has cited ignorance as reasoning as well as going back to the PIN code, even though I believe it may have been obtained through shoulder surfing, as I did make an ATM withdrawal with my XXXX XXXX card and that has the same PIN as my TD card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Trojan Professional Services, Inc.
State: NJ

Complaint narrative:
Please see email I sent to them just now. As you can see, they have refused to provide the information. 

To Whom It May Concern : I am writing this letter in response to my numerous email requests and the call we just had today. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I had requested that you provide me with a validation of the debt that you talked of earlier. I am entitled under law ( 15 USC 1692g Sec. 809 ( b ) ) to have your claim disputed and validation was demanded several times. On the call, I was advised that you do not have the underlying debt and I needed to call someone else for that. The law requires that you maintain those documents and provide it to me. 


I had requested that your office provide me with complete documentation ( see below ) to verify that I owe the said debt and have any legal obligation to pay you. 


Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent Your offices only response to the matter was to ask me to call to discuss. I had advised that I do not want to call and simply was enforcing my right to validate the debt. As your office has failed to provide validation of the debt within 30 days, all instances related to this account must be immediately leted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 


Your non-compliance with my request is also construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 


Please note that pursuant to my emails below, I am concurrently forwarding this to the CFPB, the NJ General Attorney 's Office and the FTC for non-compliance. 


Thanking you,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CMRE Financial Services, Inc.
State: FL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
This account XXXX is being reported twice on XXXX  and Transunion as negative information. On XXXX specifically these are showing as a chargeoff from XXXX and an open installment account ( not collection account ) from XXXX XXXX XXXX. These accounts are also showing a huge discrepancy in the Date of Major Delinquency in violation of FCRA. I have disputed this information several times in the past and it has either been verified or updated. When requested method of verification it was not responded to. This has been removed from 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 2019-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
This account XXXX is being reported twice on XXXX and XXXX  as negative information. On XXXX specifically these are showing as a chargeoff from XXXX and an open installment account ( not collection account ) from XXXX XXXX XXXX   These accounts are also showing a huge discrepancy in the Date of Major Delinquency in violation of FCRA. I have disputed this information several times in the past and it has either been verified or updated. When requested method of verification it was not responded to. This has been removed from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My late wife and I had paid off a car loan from XX/XX/XXXX and paid satisfactorily in XX/XX/XXXX. I asked Equifax to remove this from my credit report and they still has not done this in 9 years. 
They ( Equifax ) appear to block me from correcting this matter.. 

Thank tou

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: KY

Complaint narrative:
RENTDEBT AUTOMATED COL FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. RENTDEBT has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send screenshot statements. Send my actual signature on a contract. As this debt is Not mine. 
Additionally, verifying this account through XXXX  violates my rights for a 100 % diligent and reasonable INVESTIGATION under the FCRA. If you verified this account through XXXX I request immediate deletion from all 3 major credit reporting agencies.

Company response to consumer: Closed with explanation