vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-26 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: Exeter Finance, LLC.
State: WA

Complaint narrative:
I have been disputing this account since XX/XX/XXXX and I have been asking for verification documents to show that this account does in fact belong to me and they have not responded in writing with any information. When I contact these companies by phone they are not even able to locate my account with my name, social, and address.

Exeter claims that they responded to my validation request on XX/XX/XXXX and XX/XX/XXXX but I never received any contract or validation documents from them. I would greatly appreciate these documents being uploaded to this site for The CFPB and myself to see. 
I would also like to request a payment history. There is different payment history being reported between the three credit reporting agencies that are changing the statute of limitation of this account and re-aging the account which is against the law. This alone is reason enough to delete this account from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: GA

Complaint narrative:
Thursday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX SSN : [ ssn ] | DOB : XX/XX/XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX I was looking over my credit report today and found a bankruptcy which should not be on my account. I would like you to investigate and verify the following bankruptcies, or promptly remove them from my credit report : Court : U.S. Bankruptcy Court Reference Number : XXXX Reason : Unverified Bankruptcy Court : U.S. Bankruptcy Court Reference Number : XXXX Reason : Unverified Bankruptcy Please respond to me in writing, and include the " method of verification '' pursuant to FCRA 611 ( a ) ( 7 ). This should include : 1. The name of the courthouse which you verified the information with 2. The name of the person at the courthouse who handled your request 3. The address of the courthouse 4. The telephone number for the Clerk of Court 's office 5. Which document you obtained to verify the bankruptcy Thank you, XXXX 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 2021-08-26 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I had misplaced all of my information during Hurricane Sandy and I was homeless for 3 years. last year I had XXXX XXXX and I was in a XXXX  and XXXX  for 2 months. When I returned to my home, I started receiving these letters from collection companies and upon further investigation I realized that these accounts were never opened by me. I contacted the various collection agencies on XX/XX/XXXX and again on XX/XX/XXXX. I have not received responses from many of the agencies that I contacted and as a result, none of the issues have been resolved. 

I have a child who has started college last year, and this has seriously affected my ability to obtain financial assistance for him to further his education.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I had misplaced all of my information during Hurricane Sandy and I was homeless for 3 years. last year I had XXXX XXXX and I was in a XXXX  and XXXX  for 2 months. When I returned to my home, I started receiving these letters from collection companies and upon further investigation I realized that these accounts were never opened by me. I contacted the various collection agencies on XX/XX/XXXX and again on XX/XX/XXXX. I have not received responses from many of the agencies that I contacted and as a result, none of the issues have been resolved. 

I have a child who has started college last year, and this has seriously affected my ability to obtain financial assistance for him to further his education.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To someone who can help me. I am deeply upset because I have denied for housing due to a false and inaccurate account on my consumer report. I dont how this happen but it needs to be removed asap. XXXX XXXX and these three bureaus have messed things up with my comsumer report. I dont have debts and I dont owe anyone. XXXX XXXX is committing illegal activity under FCRA 609 by fraudulently and illegally placing an item that is obviously mixed up with someone else because this account is not mine.. This is very unethical and its on ALL my credit reports. this false debt is not mine and I can prove it. I have attached a letter from XXXX XXXX themselves sending me reimbursement for the error they committed. These bureaus is violating my rights as a consumer by reporting an inaccurate account after even notifying them, under FCRA section 609 this must be removed from my credit report immediately. You cant just place an false item on someone report and say they owe something. Thats FRAUD. THIS IS ILLEGAL AND THESE COMPANIES ARE UNDER INVESTIGATION BY THE ATTORNEY GENERALS OF TWO STATES, THE CFPB, THE CONSUMER SENTINEL DATABASE, THE FTC, AND IM PURSUING LITIGATION AGAINST THEM FOR FRAUD, EMOTIONAL DISTRESS, AND ILEGAL ACTIVITY.

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 2021-08-26 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: TX

Complaint narrative:
I been sending numerous letters to equifax credit bureau. And each time they give me different things to do .. one representive gave me a fake name and said that it was protocol .Im fighting to remove fraudulent information from my credit and customer service personnel if basically giving me fraud information .. this is why I cant get anyone to help me. I will also seek legal counseling about this situation so it doesnt happen to anyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
1. I advertise for one of the extra room for rent in my House in a classified ( XXXX XXXX ). 

2. Some one reached to me via email. He introduced me and attached his driving license for reference. Also he said he is from my home XXXX  XXXX and XXXX  XXXX, In US he is working in some artificial intelligence company. He seems like legit to me initially.

3. He told he is now in XXXX due to work, need to move to XXXX XXXX because company is asking him for relocate, So now he is looking for rooms in XXXX XXXX. He also said his company is giving the money in the form of check for relocation around {$4600.00}. 

4. He asked me a favor, As the company is issuing only one check he wants that check to be in my name and i will keep the first month rent and security deposit which is {$2000.00} ( we agreed up on it ) and return {$2600.00} to his Travel agent. 

5. I told him i will not do that. why don't he do all this because it's his money. He said he is closing his bank account ( In XXXX XXXX XXXX ). Since this bank is not anywhere else so even if he deposit the check it will be more trouble to access this money. 

6. I could not see any red flags till then because this never happened with me. i trusted him. I thought i am helping someone and thought anyhow he is going to live in same house and agreed to help him. 

7. I received the check and deposited in my Bank Of America account on XXXX XX/XX/2021. The check get cleared next day on XXXX XX/XX/2021. So he asked to transfer {$2500.00} to his Travel agent ( XXXX XXXX XXXX through XXXX ( In Bank Of America App ) on XXXX XXXX XXXX i did it. In the mean time he said he will reach here in coming week-end and asked me to make sure room is clean & available. Also he asked me to close the classified as he is booked for the room. I didn't see any red flag till then.

8..The Deposited check is bounced the next night XXXX XX/XX/2021. That's when i realized it could be fraud and reached out to Bank. So after investigating for a month Bank said they can't issue any claim.

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 2021-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
The Fifth-Third Bank has blamed me for fraud and over-drafted my account and taken my funds or access to the account. This incident happened on XXXX, XXXX XXXX a check was deposited of XXXX from a job offer from XXXX XXXX XXXX XXXX Once i did deposit the check the next 24 hours funds were given into the account and the fraudulent charges were made on XX/XX/XXXX not report to the bank until XX/XX/XXXX due to the check being returned for insufficient funds and the charges over-draft my account Ending XXXX. Fifth Third Bank has been contacting me advising of a foreclsoure or reporting to collections and the credit bureaus for this balance. I have banked with them for over 5 years now and I did do as asked to report fraud as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: TN

Complaint narrative:
Square Inc. Refuses to return my money. I did not authorize any transaction where all of my money would be taken, who would? I had to file two complaints. The second complaint was resolved first and faster than the first complaint. I'm currently getting replies with copies of their policies. At first, the replies asked for more verifications. I've have never received help from this company, within days and weeks of them taking my money, they never helped me. Now I'm getting policies! Within days and weeks of me contacting them through customer service, they never helped. I wanted to have access to my account through their app and I just got the run around. And now they take all of my money. I need to know who is the right person that needs to hear my case? Who understands that since they never helped me to begin with, why should they keep my money? I have paperwork flooding with verification after verifications. I did everything they asked me to and still get nothing in return and loss more.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
The classification for this complaint was not listed in the choices so it may be in the wrong category. This complaint is on Portfolio Recovery LLC. I live in the state of Florida. Florida law say any company attempting to collect a debt or collecting a debt in the state of Florida has to be licensed in the state of Florida to collect that debt, Portfolio Recovery LLC is not license din the State of Florida to collect debts. I have included the Florida Statues that verify what I say. Title XXX111 Chapter 559.565 and Chapter 559.533.This law applies to all debt collectors rather they are located in the state of Florida or not. The penalty section makes that abundantly clear. ( See bottom of 559. 565 ). Portfolio Recovery LLC is in violation of Florida law which makes this an illegal debt. I have filed a complaint against them with the Florida Attorney Generals office.I want Portfolio Recovery to cease all collection efforts and remove their trade line from my credit report. Portfolio recovery can not report an illegal debt to the credit bureaus. Portfolio Recover violated Florida law by attempting to collect this debt. I have included a copy of Portfolio Recovery LLC expires Florida XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: SECURITY FINANCE CORP
State: TX

Complaint narrative:
Have repeated called my place of business. After they said they themselves said they would never contact them. The business has caller identification. So every time they call they attempt to lie and say its not them when they have already been identified before yhe phone is answered.

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 2021-08-26 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Good Afternoon, On/or around XXXX of this year, I was shopping at an antique market/mall, outside due to covid restrictions. I walked through the huge mall to shop and buy items for my home. I purchased a plant ( on different card ), food/drinks ( on different card ), I purchased some socks ( I believe ) on the card in question and records on this card for sure for around $ XXXX {$40.00}. After walking the mall, I went into a XXXX pop-up tent. I was wearing XXXX clothing and my bag was XXXX, with that being said. The " employee '' i believe advised me to leave my bag at the front because it was XXXX and can't have it in their because of them assuming that it wasn't bought prior. With my clothing they gave me a piece of tape to put on my jacket, shirt and socks to identify that it was brought in. I left my bag of records and my XXXX little bag at the front in a portable truck pop-up where it had the cashier, valuable items, other customers hold and customers items. After walking the area that XXXX had ( seemed to be 4 or so tents of stuff pilled together, i had to leave because it was very humid, lot of people, masks not helping and etc. I went to the front and gave them my ticket for my items left. The bag i purchased with the credit card had my credit card in the clear record bag. Probably not the right choice, but it was done on accident. I contacted commenity bank to advise them that the card, once i noticed, was gone/stolen or lost. I received a letter in the mail sometime this week or last that said they couldn't find this was lost/stolen or fraud. I called in today, XX/XX/21 to XXXX and talked to a " XXXX '' or " XXXX '' she said her name was spelled like the drink, XXXX. I advised her what had happened, again, and she said oh this sounds real fishy! Which in my opinion, was something she shouldn't have said, but also said she will review this, but not guaranteed of an outcome. She was very rude and made it seem like i was the one who purposely lost the card with her tone and attitude on the phone. I had 2 transactions before i could cancel the card that i advised them that i didn't make. I was at the antique/vintage mall for about 3-4 hour shopping before i realized my card was lost/stolen or fell out of my plastic bag.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-26 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:
I am a victim of identity theft. XXXX has fraudulent accounts on my credit profile. 
XXXX XXXX XXXX XXXX has fraudulent accounts on my credit profile. 
XXXX XXXX has a fraudulent account on my credit profile. 
XXXX XXXX XXXX XXXX has fraudulent accounts on my credit profile. 
XXXX has fraudulent accounts on my credit profile. 
XXXX XXXX has a fraudulent account on my credit profile. 
All fraudulent accounts need to be removed immediately.

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 2021-08-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: AL

Complaint narrative:
I received information from you attempting to collect the above-listed alleged debt that you have listed on my credit reports. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debts in its entirety. Further I request verification of the alleged debts, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debts and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. I've disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
This complaint is about the services from capital one credit card company. I ordered XXXX XXXX from a company for {$800.00}, and they were supposed to provide the service on my XXXX and XXXX within ten days after I paid for the service ; they have not done any advertising on my social media pages and I asked them I want my money back I dont need it anymore since the service was not given in the promised time frame, and they refused to give my money back then I contacted capital one credit card company to solve this issue. 
I requested a dispute for the charge which was billed on XX/XX/2021 for {$800.00} on my capital one credit card account, they disputed that amount in the beginning, and a week later capital one returned that {$800.00} back to the merchandiser. I contacted capital about this issue, they just state that the merchandiser provided a non-refund policy and we can not dispute it ; capital one credit card company accepted the merchandisers non-refund policy for a service that was not given and they did not investigate this untrue and fraudulent charge ; I spoke several times to them that the non-refund policy would be applied to an item or service if it is provided to the customer and the customer requests for refund, but for our case, the merchandiser did not provide any services ; but capital one did not follow the consumer rights law, and just said we can not continue this case, and we tried to open the dispute case a few times, however, they closed it and asked us more documents instead of the merchandiser. Capital one credit card company did not even investigate anything that proves that the merchandiser gave us any services, and simply just told us to go to work with the merchandiser or get a cancelation from them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-26 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: NY

Complaint narrative:
Please be advised the unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance XXXX Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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:
I tried to fix the issue with XXXX, XXXX and Equifax. I sent them bunch of letters way back XXXX. According to USC 1695 and FCRA along with the FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached the recent letters that was sent on XX/XX/XXXX, XX/XX/XXXX which I never received a response for. They are still contacting me and this are still showing on my credit report. I will sue them if they continue to report debt that is inaccurate.

Company response to consumer: Closed with explanation