vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WAKEFIELD & ASSOCIATES, INC.
State: AZ

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/XXXX  XXXX XXXX Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are five accounts on my credit report that are not mine I have gone thru this with Experian and XXXX  but they are still reporting these fraudulent accounts and I have opened an ftc I have called and been disputing this since XXXX of 2020 I need these accounts off my report because they don't belong to me. 

XXXX XXXX XXXX - XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX Inquiries XXXX 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 2021-04-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Aargon Agency, Inc.
State: AZ

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/XXXX XXXX XXXX XXXX XXXX of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.

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 2021-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Insight Management Partners, LLC
State: MI

Complaint narrative:
The phone numbers listed have called me everyday, since XX/XX/XXXX. Sometimes every other day. I first received a phone call from XXXX and the individual stated " XXXX, do you plan on paying ''. They did not specify who they were or what the company was. That number called everyday, multiple times a day. I told them i paid my bill and to stop calling. Ever since then the XXXX number has called everyday. I told them I paid my bill and to stop calling. 

on XX/XX/XXXX i finally answered the phone and spoke to a guy who claimed I didn't pay a bill. We spoke for about 20-25 minutes and told me an amount that does not match up to any of my past purchases. I actually went to the company i made the purchase with and the " debt collector '' is asking for more than that amount. before the phone call ended he purposed an offer that was about 60 % off the debt. I told him id talk about this to my wife. He then called 2 times that same day and 2 times today ( XX/XX/XXXX ). 

" This is an attempt to collect a debt, and any information obtained will be used for that purpose '' was never recited to me during any of the conversations. I never got any letters. 

This purchase was made back in XXXX. I know we paid it but to be 100 % certain i have pulled all 3 credit reports and have contacted a handful of debt management companies and its not on any reports. I believe this is a scam and I would like this company to stop calling me, especially everyday multiple times a day. I was even threatened with him telling me its in legal status.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: B&F Finance Corp.
State: TX

Complaint narrative:
XX/XX/2021 I went in to get a loan and they said they would get the loan but then the lady XXXX threw my is at me and stated she wouldnt do business with me pulled my credit without asking me and that is illegal. They wore being XXXX to me because of my ethnicity.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Hello, I recently look at my credit and I see that these companies is still on my credit report. I have reached out to the companies serval times and still haven't gotten these issues resolve. I wrote a letter and asked for verification to XXXX, XXXX, and XXXX  they have not sent me any documents bearing my signature as of today. The following companies are : Midland Fund - Opened XX/XX/XXXX, and XXXX XXXX - Opened XX/XX/XXXX. I would like your help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Commonwealth Financial Systems, Inc.
State: AZ

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified XXXX XXXX XXXX XXXX of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: IL

Complaint narrative:
I did not know about this debt till I received a letter from ERC near the end of XXXX. The debt is not valid and they posted this as a past due debt on the 3 Bureau Credit Reports without informing me of the debt. this is now being reported as a deregatory item even though this was not communicated till late XXXX. 

I contacted ERC and stated this is not valid and that the debt needed to be removed. i told them i would file complaints and take necessary legal action for this erroneous Credit Reporting actions they took without ever communicating the debt. They stated I had to prove that I did not owe the debt. Which I stated no, you need to show me this is a legitimate debt and they had no evidence to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
Hello, I recently look at my credit and I see that these companies is still on my credit report. I have reached out to the companies serval times and still haven't gotten these issues resolve. I wrote a letter and asked for verification to XXXX XXXX XXXX XXXX they have not sent me any documents bearing my signature as of today. The following companies is : Cavalry Port - XXXX XX/XX/2019. I would like your help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am the Petitioner that states LVNV Funding had purchased my debt from XXXX XXXX XXXX XXXX XXXX for the credit account # XXXX and assumed all of its liabilities while it had an open dispute and LVNV funding has failed to address the missing payment I made on the account on XX/XX/2017 for the amount of $ XXXXand explain how it posted to the account. Refer to XXXX bank statement, the XXXX XXXX invoice with the payment due date of XX/XX/2017, and the payment confirmation screenshot. 

I first discovered the missing payment in the payment history on my XXXX  credit report. At that time the account was owned by the original creditor, XXXX XXXX  XXXX XXXX. The payment I made on XX/XX/2017 in the amount of {$200.00} was missing. Refer to XXXX report # XXXX. 


This complaint is intended to address the problem and verify the accounting of the {$200.00} payment I made on XX/XX/2017 and inform me of how it was applied to this account. 

I am requesting that CFPB order LVNV FUNDING LLC. to verify that on XX/XX/2017, a payment in the amount of {$200.00} was posted to this account and show how it was applied to this debt with the following : 1. a summary of my payment history on the debt including the {$200.00} payment on XX/XX/2017. 
2. the date on which the payment was applied and credited the account ; 3. an itemization of how the payment was applied to the account ( i.e., what portion of the payment amount went to the principal, interest, fees, other charges ) ; 4. a copy of the underlying account statement showing the last payment made to the account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Outsource Group, Inc
State: AZ

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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: CA

Complaint narrative:
There are five accounts on my credit report that are not mine I have gone thru this with XXXX XXXX XXXX  but they are still reporting these fraudulent accounts and I have opened an ftc I have called and been disputing this since XXXX XXXX XXXX I need these accounts off my report because they don't belong to me. 

XXXX XXXX XXXX - XXXX XXXX- XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  - XXXX Inquiries XXXX XXXX XXXXXXXX

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 2021-04-08 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: CA

Complaint narrative:
There are five accounts on my credit report that are not mine I have gone thru this with XXXX and Equifax but they are still reporting these fraudulent accounts and I have opened an ftc I have called and been disputing this since XXXX of XXXX I need these accounts off my report because they don't belong to me. 

XXXX XXXX XXXX - XXXX XXXX- XXXX XXXX  XXXX XXXX XXXX XXXX XXXX - XXXX Inquiries XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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: FIRST PORTFOLIO SERVICING INC
State: TX

Complaint narrative:
Vervent closed my credit card account because they claim I filed a fraud alert on my account. I assured them that I didn't and they told me to fax a letter stating that I did not file my account as fraud and that it would be re-opened. We went back and forth where they claimed they never received the letter although I had proof that the letter was delivered numerous times. Vervent gave me a new account number. Then closed the new account number as well. Fast forward, they are now reporting 2 duplicate negative accounts on my credit report. One showing as closed and the other is showing as opened. I called them and they told me to dispute it with the credit bureaus. I did and they disputes came back verified. I want these accounts immediately removed from all credit report agencies as they are duplicated and are reporting inaccurately.

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 2021-04-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: I.C. System, Inc.
State: AZ

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.

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 2021-04-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Account Resolution Corporation
State: AZ

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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: DISCOVER BANK
State: NY

Complaint narrative:
I AM VICTIM OF IDENTITY THEFT. MY IDENTIFICATION CARD AND SOCIAL SECURITY CARD HAS BEEN COMPROMISED MULTIPLE TIMES AND THESE ACCOUNTS ARE THE RESULT OF THIS IDENTITY THEFT AND FRAUDULENT ACCOUNTS. I RECENTLY PULLED MY XXXX XXXX XXXX XXXX CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX XXXX AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
I've been a customer of PayPal since XXXX. 

On XX/XX/XXXX at XXXX I receive an email from PayPal that I can no longer do business with them and my account is permanently " limited '' ( in other words, banned ) because they detected my account was created using either fraudulent or stolen information. 

I've been a customer for 10 years and all information is completely valid. I immediately called PayPal customer service and spoke to an associate named XXXX. XXXX refused to tell me why my account is being shut down and I offered to resolve any questions they may have to which he responded that they will not go into specifics with me. 

I asked to speak to a XXXX and spoke to XXXX. XXXX also did not try to help me resolve the issue and would not provide me with any information. 

This is completely unfair to me as a consumer as PayPal is not acting in good faith by not letting me appeal their decision and share documents that will confirm the validity of my account. 

The account was opened legally by me and I can prove it upon request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Tried to PULL my free credit and was able to get 2 of the 3 but Equifax is blocking me when I answered all the questions correctly. They are intentionally forcing me to send them a letter with copies of my ID as a way to slow the process down because they may be reporting false information against me. When I do a XXXX search many people have complained about this. This company is hiding something and I am demanding that I geet a copy of my credit report and immediately online access.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I ACH payment with XXXX XXXX on XXXX of XXXX of XXXX although the balance was XXXX as my credit line was XXXX we spoke on several different times concerning my account. As I had insurance to cover the credit card as the payments where being paid every month for six months. Next XXXX XXXX blocked my card. I never charged anything although the statement said a charge was made on my card electronic. When I asked about it XXXX XXXX just asked for money. Now Midland Credit Management as of XX/XX/XXXX is bringing my credit score down as if XXXX XXXX has my credit card open by {$1.00} decrease causing my credit score to drop by XXXX points. As of XXXX I then again went on Midland Credit Management and paid another XXXX online. As Midland Credit management continues to bill me by mail as if I didn't have a confirmation number with the payment online with my information. Next I noticed Midland Credit management has two different personalities one  in XXXX XXXX, California and another in XXXX, Mi playing one location against the other over and over again on my XXXX  when I disputed a few times before it was deleted and here Midland Credit management again. And the same things happened with the XXXX XXXX XXXX  XXXX as over XXXX people are filing complaints similar to what happened with my credit card with XXXX XXXX XXXX  secured credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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: PA

Complaint narrative:
XX/XX/2020 : I sent a certified letter to Transunion requesting they verify the bankruptcy report on my credit report. They responded that the information was verified by XXXX. XX/XX/2020 I sent a letter from the court and confirmed that the bankruptcy was not verified by XXXX and removed from my credit report. I sent a copy of the letter from XXXX and the courthouse to Transunion m, so they would remove the inaccuracy. Transunion did not remove the information and is refusing to reopen investigation.

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