vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Lendmark Financial Services
State: GA

Complaint narrative:
I RECEIVED A NOTICE FROM LENDMARK STATING I WAS DENIED A LOAN WITH THIR CONPANY. THE IRONY IS I DON'T EVEN REMEMBER APPLYING FOR THIS LOAN. I AM REQUESTING A COPY OF THE LOAN APPLICATION. IF I APPLIED FOR IT IT WOULD HAVE BEEN ONLINE AND NOT IN PERSON. IN ADDITION 1, MY NAME IS XXXX XXXX 2 . THE LENDMARK OFFICE WAS IN XXXX. 
3. SOMEHOW I RECEIVED A DENIED VIA EMAI BUT, NO EMAIL WAS PRIOR COMMUNICATION.

4, THE LETTER CAM IN A BROWN UNOFFICIAL ENEVELOPE WITH NO USPS PROCESSING INDICATORS. 

THIS APPEARS TO BE A SETUP IF I DID NOT APPLY WHICH, I A, SURE. AGAIN MYNAME IS XXXX XXXX , I DO FEEL THIS IS ANOTHER PART OF A RING BACKTRACKING TO BUILD A ID THEFT CASE AFTER THE FACT. 

AND THE DATES OF THE COMMUNICATION DOESNT MAKE SINCE. APPLY EARLY XXXX JUST GOT LETTER??? 


INTERESTING TIMING DUE TO THE REPORTS WHICH WERE FILED OVER THE LAST 2 WEEKS BASICALLY CONFIRMING THE ID THEFT,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: NAVY FEDERAL CREDIT UNION
State: MA

Complaint narrative:
In XX/XX/2020 Navy Federal Credit Union opened a checking / savings account for XXXX XXXX ( My name is XXXX XXXX. ) based on fraudulent information. Beginning with phone calls in XXXX, numerous letters, and a FTC identity theft inquiry, I and Detective XXXX of the XXXX Police Department requested a copy of any information related to the fraudulent application. Such forensic information can help identify the perpetrator ( s ). 

XXXX only response is to confirm that the account is closed. For more than XXXX months of phone calls, registered letters, inquiries from the XXXX Police Department, my providing a copy of my drivers license / notarized signature / police report, XXXX hasn't responded to the basic request : copy of the fraudulent application, information on the source of the initial deposit and return of the deposit, computer address, identity of who recommended XXXX XXXX for membership, XXXX follow-up on fraudulent applications, etc. 

XXXX ref # - XXXX My concern is that failure to follow-up on these frauds makes it " risk free '' for the perpetrator. It contributes to consumer stress since I have to initiate an array of identity theft protocols. 

XXXX lack of response to a consumer and cooperation with law enforcement is appalling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
Portfolio Recovery Associates bought my debt from XXXX XXXX in XXXX. The total balance owed to XXXX XXXX was XXXX as of XX/XX/XXXX. That was quoted to me by email from XXXX XXXX. I then made 7 payments after that email for XXXX each. Covid happened and I was the sole provider so I was unable to pay XXXX XXXX after XX/XX/XXXX. I only owed XXXX XXXX {$560.00} when I stopped paying them. PRA is now attempting to collect {$2200.00} from me. I contacted PRA and informed them the balance is incorrect. This is a violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX, CA XXXX Experian XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX XXXX XXXX  # XXXX XXXX XX/XX/1983 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 non-monetary relief
Consumer complaint received 2022-07-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: TX

Complaint narrative:
A company by the name of Vance and HUFFMAN , LLC contacted my family by phone and never sent me any correspondence personally to my current address on file and informed me that I owed {$300.00} in unpaid debt. I am unaware of this debt or the account to which it is linked. The account is fraudulent, and Im placing a fraud alert on my credit report as a result of things appearing in my name that I'm not aware of. This collector has been harassing my family about this account for weeks, but havent reached out to me personally. I've already stated that I do not know the account in question, nor did I open or operate it. Please help me with this because I've never owned or operated the account they're looking for. They are stating that they contacting on behalf of XXXX XXXX but I've reached out to XXXX XXXX countless times about the account in question and reported to them numerous times that the account is fraudulent and that the account is operated does not belong to me also that it is a fraudulent account and my notifications were ignored countless times.They are contacting family members and using aggressive language and verbiage they never reached out to me by mail. Im seeking debt validation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01 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: FL

Complaint narrative:
TransUnion XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX XXXX XXXX  # XXXX XXXX XX/XX/1983 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 non-monetary relief
Consumer complaint received 2022-07-01 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Equifax XXXX XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX XXXX XXXX XXXX XXXX  XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX XXXX XXXX  # XXXX XXXX XX/XX/1983 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
American Express lied to me about their Credit Reporting Process. I contacted American Express prior to my payment due date of XX/XX/2022. I informed them that my XXXX Tax return was still being processed and I was waiting for a large refund check. I discussed my account options with them and informed them that I would not be able to make the payment by the original due date. I discussed several options with the representative and was informed that as long as I made the payment prior to XXXX nothing would be reported to the credit bureaus. The agent said that as long as it is not more than 60 days past the original due date, everything would be fine. I specifically asked, " So as long as I pay prior to XX/XX/2022, nothing will be reported? '' and was told " Yes-as long as you pay prior to XX/XX/2022 we will not report anything to the credit bureaus. '' I asked multiple times and asked if they were " 100 % sure '' that was correct and they assured me that yes that was their policy. I have been with American Express for XXXX years and I trusted them. Well, to my shock, American Express did the complete opposite of what they promised me and reported me to the credit bureau in XXXX. I paid the balance prior to the XX/XX/XXXX date that was communicated to me by American Express and they still did not follow their policy. I spoke with American Express after the derogatory mark was added to my credit report and they have now changed their story. They are stating that the agent I spoke with was wrong. I asked them to investigate and was told they would file an internal complaint and listen to the recorded phone call to verify my story. I called back a few weeks later asking for an update and none was on file. The agent filed a second internal complaint with supposedly a higher priority for them to investigate on XXXX. I should not be penalized for following the direction of American Express. This is an unfair and predatory business practice to provide information to your customers and then go behind their back and do something different and deny the whole thing. I took the time to contact American Express proactively to discuss my options and when I follow American Express 's direction I am penalized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-01 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX il XXXX XXXX To whom it may concern I received a copy of my credit for it with the intentions of trying to improve my credit and take on my responsibilities and noticed a few accounts and I dont want and would also like a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 % sure if they are. I also read something called the fair credit reporting act where it said by law. I had the right to challenge anything I am not sure is accurate. Some of the people Reporting things on me I have never heard of which made me write to you all. 

Are you familiar with something called 15 USC 1681 ( I ) ( a ) I heard that if you cant provide proof these Account must be deleted. Well, I want these accounts deleted if they are not 100 % percent right and correct. So could you please check on these and get back to me? I saw on a credit site read where a lawyer said you have 30 days to complete this investigation please investigate the following accounts and remove them if anything is missing or not correct on them. 

Account name XXXX XXXXXXXX Account Number : XXXX Please investigate if every piece of information is correct, if not please remove it from my credit report. 


Account XXXX  XXXX XXXX Please investigate if every piece of information is correct, if not please remove it from my credit report. 

Account XXXX  XXXX XXXX Please investigate if every piece of information is correct, if not please remove it from my credit report. 

Account XXXX XXXX  XXXX Please investigate if every piece of information is correct, if not please remove it from my credit report. 

Account XXXX XXXX XXXX XXXX XXXX Please investigate if every piece of information is correct, if not please remove it from my credit report. 

Account XXXX XXXX XXXX XXXXXXXX XXXX Please investigate if every piece of information is correct, if not please remove it from my credit report. 

Account XXXX XXXX XXXX XXXX XXXXXXXX Please investigate if every piece of information is correct, if not please remove it from my credit report. 

Account XXXX XXXX XXXX XXXXXXXX Please investigate if every piece of information is correct, if not please remove it from my credit report. 

I also read where I can get the updated report after you investigate this from the free lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigate outcome to be sent to my address I put on the from area. Thank you for your time and help in this matter

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 2022-07-01 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. Reference # XXXX 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 consumer reporting agency can not furnish a account without my written in 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 2022-07-01 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. Reference # XXXX 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 consumer reporting agency can not furnish a account without my written in instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cottonwood Financial Ltd.
State: TX

Complaint narrative:
A company by the name of XXXX XXXX XXXX XXXX XXXX contacted my family by phone and never sent me any correspondence personally to my current address on file and informed me that I owed {$300.00} in unpaid debt. I am unaware of this debt or the account to which it is linked. The account is fraudulent, and Im placing a fraud alert on my credit report as a result of things appearing in my name that I'm not aware of. This collector has been harassing my family about this account for weeks, but havent reached out to me personally. I've already stated that I do not know the account in question, nor did I open or operate it. Please help me with this because I've never owned or operated the account they're looking for. They are stating that they contacting on behalf of Cash store but I've reached out to Cash store countless times about the account in question and reported to them numerous times that the account is fraudulent and that the account is operated does not belong to me also that it is a fraudulent account and my notifications were ignored countless times.They are contacting family members and using aggressive language and verbiage they never reached out to me by mail. Im seeking debt validation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX il XXXX XXXX To whom it may concern I received a copy of my credit for it with the intentions of trying to improve my credit and take on my responsibilities and noticed a few accounts and I dont want and would also like a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 % sure if they are. I also read something called the fair credit reporting act where it said by law. I had the right to challenge anything I am not sure is accurate. Some of the people Reporting things on me I have never heard of which made me write to you all.

Are you familiar with something called 15 USC 1681 ( I ) ( a ) I heard that if you cant provide proof these Account must be deleted. Well, I want these accounts deleted if they are not 100 % percent right and correct. So could you please check on these and get back to me? I saw on a credit site read where a lawyer said you have 30 days to complete this investigation please investigate the following accounts and remove them if anything is missing or not correct on them. 

Account name XXXX XXXXXXXX Account Number : XXXX Please investigate if every piece of information is correct, if not please remove it from my credit report. 


Account XXXX  XXXX XXXX XXXX investigate if every piece of information is correct, if not please remove it from my credit report. 

Account XXXX  XXXX XXXX XXXX investigate if every piece of information is correct, if not please remove it from my credit report. 

Account XXXX XXXX  XXXX Please investigate if every piece of information is correct, if not please remove it from my credit report. 

Account XXXX XXXX XXXX XXXX XXXX Please investigate if every piece of information is correct, if not please remove it from my credit report. 

Account XXXX XXXX XXXX XXXXXXXX XXXX Please investigate if every piece of information is correct, if not please remove it from my credit report. 

Account XXXX XXXX XXXX XXXXXXXX XXXX Please investigate if every piece of information is correct, if not please remove it from my credit report. 

Account XXXX XXXX XXXX XXXXXXXX Please investigate if every piece of information is correct, if not please remove it from my credit report. 

I also read where I can get the updated report after you investigate this from the free lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigate outcome to be sent to my address I put on the from area. Thank you for your time and help in this matter

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