vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
I do not know what type of debt this is and I know that I did not open any accounts with XXXX in XXXX. XXXX said in XX/XX/XXXX that I have never held any accounts with them. I received no help from them in getting this off my credit report because the managers I spoke with said I never had a credit card or any other kind of account with them. They refused to help me further since I was not an account holder. As a result, I opened a checkings account. Every representative I have met with has told me there are no other accounts in their system with my personal information and that includes closed accounts. A fraud investigation was opened and I learned that my online banking preferences were being ignored. XXXX representatives said they did not know why I was receiving 10-20 letters from them in a week. I brought every batch of letters unopened to a branch location. The employees said there wasnt anything they could do and they documented the issue. XXXX has never verified if the letters were from them or were fraudulent. All I know is that XXXX could not figure out why my opt out preferences were being over ridden and they dont know why I received duplicates of statements and in some instances I received an entire new batch of letters that I had already received months prior. XXXX waives my monthly account fee while they resolve the incident. My fee was waived for this months billing cycle. 

I dont know if the XXXX account issue detailed above is related or not. The only XXXX information I have is from the account I opened in XXXX. Please note that the rep misspelled my name and that issue is pending correction. The name on the account is XXXX XXXX. 

If someone has an account with XXXX that uses my information, could that be the reason that my account is not functioning as designed? Are my preferences overrriden by another account? Or is someone accessing my account without my knowledge because they have my SSN and birth date? Am I listed on any other accounts? 

The debt is with Portfolio Recovery Associates. The only information they provide is XXXX XXXX reported XX/XX/XXXX, XXXX. The amount has not changed since initial collection attempts and is {$2200.00}. XXXX is XXXX. XXXX XXXX XXXX XXXX XXXX VA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Outsource Group, Inc
State: TX

Complaint narrative:
I've requested validation & verification of this alleged debt and only received a non detailed statement of this alleged debt. I also requested the original signed contract " not copy '' in which I've never received I only received a computer generated copy of initials which could be copied and paste. Medicredit has failed to validate and verify this alleged which is a direct violation of FDCPA pursuant to 15usc 1692g that states in order to collect on a debt all items requested by consumers should be provided. This alleged debt constitutes fraud, I've also been contacted at place of work after I requested to not be contacted. Which are violations 1. Place of work 2. After I sent cease & Desist. Medicredit is alleging I XXXX XXXX owes a debt. This is erroneous and misleading the alleged debtor is XXXX XXXX which is not my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/2022 I received a notification from XXXX that XXXX  XXXX had made a request for my credit information. I have not made any application to, or otherwise attempted to do business this entity. I attempted to contact the company by telephone and spent over an hour in phone system XXXX. After that, I e-mailed thee customer service people at XXXX XXXX and on XX/XX/XXXX received a reply telling me to contact Citibank and providing no additional information. 

I have spent another hour trying to speak to a person at Citibank concerning this matter with no luck and this complaint follows. 

I am only seeking an explanation as to why this inquiry was made and verification that all my information has been removed from their system. I want to speak to a real person who can provide me with answers as to why they were looking at my information in the absence of any attempt by me to do business with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I have a consolidated student loan with Nelnet, for a school that went out of Business shortly after i left. The name of the trade school Was XXXX XXXX College, address was XXXX XXXX XXXX XXXX, XXXX XXXX Fl. XXXX. I attended that school from approx. XXXX XXXX to XXXX XXXX. Part time in the evenings. The course was XXXX  XXXX.a XXXX yr, diploma. Not XXXX XXXX. I was working full time for the Federal Govt. as a XXXX  XXXX. The school way over charged us, promised us a XXXX job. Plus someone in their Adminstration must have sold our Social Security numbers to someone, because many of us were victims of Identity theft, myself included. This was on the news. I still have to do my taxes with a pin number because of this breach of security. Finally, as i mentioned, i was stil working for the Federal Govt. after i got finished with the school and i have been making payments every month from approx XXXX, to XXXX while i was employed with the XXXX XXXX. I spoke with Nelnet people a couple times about any type of loan forgiveness, or even reduction in the loan based on all these circumstances but got nowhere. I am unable to locate my nelnet loan number at this time, i havent had to make a payment since XXXX due to covid. I am now retired from The XXXX XXXX and would appreciate any help you could give me in either reducing, or forgiving the school loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/XXXX our principle balance with Suntrust Bank for account ending in XXXX was {$31000.00}. On XX/XX/XXXX we attempted to call to get a payoff on the loan. We called and Suntrust had a message stating that their system was down due to the planned merger with Truist. We called Truist and got the same message. The Finance Manager at XXXX XXXX in XXXX, MD was also unable to get a payoff because the entire system was down. 

On XX/XX/XXXX a payment of {$340.00} was applied to the account. 

Today, we logged in through Suntrust which took us to the new account with Truist with account ending in XXXX. The balance was {$31000.00}. That was nearly {$400.00} increase in 7 days, AFTER a {$340.00} payment. With our low interest rate, that is simply not possible. 

We called Truist on XX/XX/XXXX to find the cause. We are unable to look at any statements which were paperless. Truist has deleted all of our previous statements. We have a screenshot from XX/XX/XXXX, but otherwise no way of accessing our data. Truist was unable to account for the {$380.00} increase to our balance that occurred during their systems transfer from Suntrust to Truist. 

Attached are screenshots from Suntrust ( note account number ) and Truist.

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 2022-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
LVNV Funding i have told this company multiple time that the debt is not mine i have disputed this deb multiple time still this company choses ti ignore and hold me with this debt with no written evidence

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: ND

Complaint narrative:
CAPONE IS NOT SUPPORTING ITS CLIENTS AGAINST FRAUD. 
After conducting an audit of my credit card account, we identified a few transactions as possible fraud as the merchants/transactions are unknown. Contact was made with the credit card company on XXXX after researching for any records, concluded that the transaction are fraud. We are always told there is no time limit for fraud, we are supported by our credit cards fraud protection. THIS IS A LIE. 
Shortly after filing my claim I received notification that my fraud claim had been denied. We contacted CapOne again on XXXX to inquire why it was denied and was informed that because I made my regular payments and have been in good standing, these charges couldn't have been fraud. Case closed. Please note that I charge XXXX of dollars a month on my credit cards and may not always have the time to review everything but I do make sure I make my monthly payments and they are excepted every time. 
I requested to refile for reconsideration and was told after a claim is denied one time we no longer have the right to file again, not even for reconsideration! 
Requested an escalation to a manager and he repeated the same reasoning of the denial and stated it is corporate policy, nothing he could do. 
This situation is unacceptable, CapOne states they have no limit on fraud, this should be considered as misleading consumers. " Similar to a bait and switch '' Ultimately I am saddened by this situation and request that CapOne support me on this claim as it should and as it advertises. If I dont get the backing I deserve I will continue to file complaints with other agencies ( ie : FTC ) because if this is corporate policy, others should be made aware.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Portfolio Recovery Associates, LLC
State: IA

Complaint narrative:
This fall my husband and I were applying for a business loan and we found 3 collections notices on my credit account. 1 for XXXX, 1 for XXXX, and one for a XXXX account XXXX They all 3 were started/applied for in XXXX XXXX  XXXX I have not resided in or been to this area of the US. I am from XXXX XXXX and have lived in XXXX  since XX/XX/XXXX. None of these are mine. We called our attorney XXXX XXXX and he helped us file fraud claims and a police report here in XXXX. We attempted to file a police report in XXXX XXXX  but the officers there would not take the report and referred us to XXXX  due to that being where we live. Police report number ( XXXX XXXX  Police Case # XXXX ) - Photo attached. The XXXX and XXXX accounts were quickly removed and resolved. 

Portfolio recovery has been challenging. We have called multiple times to try to get a fraud claim filed in XX/XX/XXXX. After several tries and agents we believe a fraud claim was filed. We waited a month and received a letter from XXXX XXXX asking to confirm the fraud claim. On XX/XX/XXXX we called XXXX XXXX, confirmed the claim. After the call we checked our credit only to see that PRS ( Portfolio Recovery Services ) had closed the file indicating resolution. No instance of fraud was indicated. I called shortly after seeing this and spoke with 3 very difficult and misdirecting employees, one was a supervisor who would not give her name. All three claim no fraud was filed and we would need to refile. Our XXXX XXXX letter indicated otherwise contradicting their assertion. I do not have confidence that PRS is interested or willing to follow through on this fraudulent claim for collections. We have clear evidence and documentation to show this is too. Our business is being adversely effected by their unwillingness to resolve this in a timely and effective manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-23 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: TX

Complaint narrative:
I HAVE NEW UPDATED INFORMATION!!!!!!! 
I am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. IF EQUIFAX NEEDS MY AUTHORIZATION TO PROCEED, THEN EQUIFAX HAVE MY AUTHORIZATION TO PROCEED WITH THIS COMPLAINT. 
I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, filed a complaint about EQUIFAX on XX/XX/2022. In your CFPB response to complaint XXXX and XXXX, you stated that you needed more time to investigate these violations that have taken place. This is very confusing to me because, had a reasonable investigation taken place, you should have on file the items you say was verified and the items I requested in my previous letter. Due to this information not being presented and you needing more time to investigate, it is my belief that you disregarded my right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ) with your unfair reporting of this erroneous information without first consulting with me, the consumer in which the report relates. You have no proof that this transaction even took place. You have not insured that you exercised your grave responsibility to be impartial by infringing upon my rights to privacy by having a conversation about me to a third party and parroting the information given to you by this third party without my written instruction to do so. I am demanding that this item be removed as soon as possible. Pursuan to 15 USC 1681 ( b ), you didn't meet the needs of commerce because this was not fair and equitable to me regarding confidentiality, accuracy, and proper utilization of this information. As a consumer reporting agency, as defined under 15 USC 1681 ( f ), assembling consumer credit information for monetary fees for the purpose of furnishing consumer reports to third parties, it is your duty to adopt reasonable procedures for meeting the needs of commerce. Unfair credit reporting undermines the public confidence which congress has made clear, is essential to the continued functioning of the banking system. 
Pursuant to 15 USC 1681a ( d ) 2, a consumer report should not include any of the following : ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. 
As defined by congress in 15 USC 1602 ( L ), the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services. A transaction was authorized by my credit card. Anytime my social security card, the real credit card, is used, that account shall be excluded from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: AL

Complaint narrative:
On XXXX XXXX XXXX XXXX the consumer, sent XXXX, EQUIFAX, and XXXX ( The CRAs ) certified mail informing them that Im a victim of identity theft. In that correspondence I made notice that the CRAs have 4 days upon receipt to block all information inside my identity theft report ; pursuant to 15 USC 1681c-2 ( see attached file ). The CRAs are in violation of 15 USC 1681 for failing their grave responsibility of reporting with fairness, accuracy, impartiality, and violating my right to privacy. All of the items inside my identity theft report are unauthorized, unvalidated, And being fictitiously reported. As stated, I am a victim of identity theft and will not be sending any non public information to an elaborate mechanism. I will attach my proof of identity, statement of identity, along with my proof address Via CFPB ( see attached file ). Inside my correspondence I made The CRAs aware of my disapproval of generic responses or E-Oscar. I dont consent to any computer generated responses or correspondence outside of the first person. My FTC report, Proof of Identity, Statement of Identity, Proof of Address, Last 4 of Social, as well as clear specification of the fraudulent accounts, stands as enough identification to prevent stalling tactics and non compliance. This is an Urgent Matter ; the false misleading reporting is hurting my ability to obtain credit. ( For this complaint The CRAs or the Credit Reporting Agencies XXXX XXXX EQUIFAX XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: PA

Complaint narrative:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXXXXXX {$71.00} XXXX XXXX XXXXXXXX {$890.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$480.00} Date Opened : 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 2022-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
PLEASE FIND ATTACHED DOCUMENTATION SHOWING WHY THESE ACCOUNTS SHOULD BE REMOVED. THE FOLLOWING COMPANIES HAVE BEEN NOTIFIED AND THEY ARE NOT FOLOWING THE FDCPA AND THE FCRA. 
CHILD SUPPORT THIS ITEM HAS BEEN PAID AND CLOSED. THE ATTACHED CREDIT REPORT IS INACCURATE INFORMATION A VIOLATION ON HOW ITS BEING REPORTED. 
UNAUTHORIZED INQUIRIES HAS BEEN PRESENTED TO XXXX AND TRANSUNION. 
XXXX XXXX REPORTING LATE THIS IS CLEARLY A VIOLATION. NO LATE PAYMENT FOR CONGRESS HAS NO DEFINITION FOR SUCH AND AS PER 15 U.S.Code 1666b and 15 U.S. Code 1602.In light of the facts and the laws present it is found that each assignee and creditor, being a servicer of the original creditor, operating as money transmitting business, acting

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief