vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-11 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I have asked for debt validation from Midland Funding for Debt Validations since xx/xx/xxx to present. I have attached my last 2 communications requesting the same information also from Experian in addition to other proof of claims that have yet to be answered thoroughly. Neither have provided through information and I have certified mail receipts request with failure to follow through and return my receipt required tracking. Midland Funding has not send me the following information I requested : alleged account number,, date this alleged debt became payable, date of original charge or delinquency, was this debt assigned to a debt collector or purchased, amount paid if debt was purchased, commission for debt if collection efforts are successful. My request for the agreement between Midland Funding and their client, signed agreement debtor has made with the debt collector or other verifiable proof Debtor has a contractual obligation to pay Debt Collector, any agreement that bears the signature of the Debtor where in agreed to pay Creditor, all statements and so on. ( request attached ). Notice that the consumer had 30 days and my previous request of 10 days to dispute the debt before it is assumed to be valid ; Notice that upon such written dispute, the debt collector will send the consumer a verification of the debt or a copy of any judgment ; and Notice that if, within the 30-day and previous request of 10 day period, the consumer makes a written request for the name and address of the original creditor, if it is different from the current creditor, the debt collector will provide that information. They have not compiled with request per Validation of Debts 15 U.S.C. 1692g. Section 609 was also violated. I am entitled per 15 USC 1692k Monetary remedies of every violation listed within my complaint. Negative account must be removed and collection must cease per violations. Previous communication via phone with Midland Funding violated section 15 USC 1962 C & D after informing them to stop harassing me, violation 15 USC 1692 f by practicing unfair practice, violation 15 USC 1681 by reporting incorrect information.

In addition to this Midland Fund is what is reporting on my credit report but Midland Credit Management is who is responding with partial request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TriPoint Lending, LLC
State: TN

Complaint narrative:
XXXX  intentionally misled and lied to me telling me there would be no hard credit pulls to credit report and that only their company would pull a soft pull, I was assured by their representative XXXX whose phone number is XXXX, that there would not be multiple lenders pulling my credit and that it would not affect my credit score, I was placed on hold by the representative so she could speak to " underwriting '' for the loan, then I was told to follow a link they sent me and to confirm my information so that they could pull a soft inquiry again to see my rates and offers, after confirming my information I was offered loans by multiple company 's that were far below what I was told I was pre approved for with interest rates far higher than what I was told I was approved for. this affected my credit score negatively and I have been working very hard to improve it and this only hurt me due to the misleading of the company. this all occurred XX/XX/21

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 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: GA

Complaint narrative:
I NOTICED ACCOUNTS DISPLAYED ON MY CONSUMER REPORT THAT ARE A VIOLATION TO MY RIGHTS AS A FEDERALLY PROTECTED CONSUMER. I DEMAND THESE ACCOUNTS REMOVED FROM MY CREDIT REPORT 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 2021-06-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XX/XX/XXXX : I was shopping for a new car in California. I looked at a few dealerships but only authorized one of them to run my credit, XXXX of XXXX XXXX. In my credit report, there are multiple inquiries from other XXXX dealerships that I did not authorize. There should only be one : XXXX of XXXX XXXX. I have not contacted the other dealerships to resolve this issue. 

XX/XX/XXXX, my husband and I were in search of a new home, as part of a residential mortgage application, I authorized XXXX to check my credit. Due to a XXXX system error, they ran my credit twice, thereby negatively affecting my credit. I did not consent to the second credit check ( nor was I asked ). There should only be one inquiry from XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, I disputed an account with XXXX  and Experian reported by XXXX XXXX XXXX for a balance with XXXX in the amount of {$1200.00}. 

I was informed on XX/XX/XXXX that the item was deleted from my credit report due to inaccuracies and violations. 

Now I have discovered that the item has been re-inserted on my credit report by ERC.

In accordance with the requirements of the FCRA Section 611 ( a ) ( 5 ) ( B ) ( ii ), they are required to notify me of the reinsertion in writing within 5 business days.

I received no such notification. This is a very serious violation of the FCRA.I have sent notice to the company that they immediately delete the item from my credit report in order to avoid legal action.

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 2021-06-11 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: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 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 disputed a paid-close account ( XXXX XXXX # XXXX ) opened XXXX. My issue with the account was not resolved. I spoke with XXXX XXXX on XXXX about my account # XXXX and having it removed. The agent informed me that upon completion of payment for the account XXXX XXXX sent out a notice to have it as paid status and removed from my credit report. She also stated that I would have to contact the credit reporting agencies to inform them of this and to have the account removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 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:
I disputed a paid-close account ( XXXX XXXX # XXXX ) opened XXXX. My issue with the account was not resolved. I spoke with XXXX XXXX on XXXX about my account # XXXX and having it removed. The agent informed me that upon completion of payment for the account XXXX XXXX sent out a notice to have it as paid status and removed from my credit report. She also stated that I would have to contact the credit reporting agencies to inform them of this and to have the account removed from my credit report.

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 2021-06-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I asked PNC if they had covid options for help. They said yes, asked me a few questions. They said to help me yhe must lowerer my avail credit limit to z {$6600.00} from $ XXXX. & they would lower rate to 5.9 % I told them never mind I was ok. 1 week later in mail I get lowered credit limit to {$6500.00} & they say it was a random review!!! Yea right. 1st if all, do u really think during a pandemic you should do random reviews???? Keep in mind I have not had 1 later payment w/ anyone for 73 months!!!!! XXXX!!! They lie. My # 1 gripe is reviews that then hurt people during pandemic!!! People are hurting help them dont kick them when there are down.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Capital Management Services, LP
State: NY

Complaint narrative:
I have received repeated calls and mailing from this company. I never gave them my consent to contact me. I have been harassed by repeated calls and harassed by multiple mailings. I have received up to 3 calls in one day from this debt collector. Pursuant to my federally protected consumer rights I now seek claims for damages caused by your company. Attached is my affidavit of truth proving my claims of harassment and repeated calls from a company I have no contractual obligation with.

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 2021-06-11 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: GA

Complaint narrative:
I am the consumer, in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the given name GREEN, CONSUMER, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will CONSUMER, GREEN and autograph as the agent, attorney in fact, so be it. 

I did not give consent to TransUnion, XXXX, nor XXXX  to report XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX XXXXXXXX XXXX XXXX to my consumer report. 

15 U.S Code 1681a No Consent, is Identity Theft 15 U.S. Code 1681b Permissible purposes on consumer reports ( a ) In General any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I did not give TransUnion written instructions to report anything on my consumer report.

15 U.S. Code 1681a ( 2 ) Exclusions ; the term " consumer report '' does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; XXXX XXXX and XXXX are in fact credit cards that are not supposed to be on my consumer report.

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 2021-06-11 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:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I closed an account with XXXX XXXX XXXX and returned my equipment to the designated location. My account was sent to collections after the balance was 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 2021-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XXXX, XXXX, 2021 I was scammed into sending {$500.00} to someone advertising that a room was well kept and that my deposit would be returned to me. After realizing my error on sending the funds through XXXX XXXX, I had immediately file a claim with Wells Fargo to retrieve the funds back. After 10 business day, I received a notification stating that they were denying my claim as the were associated with Cash app and that they could not help me. I reached out to XXXX XXXX  about filing a case and was told that there was nothing they could do.

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 2021-06-11 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: GA

Complaint narrative:
I am the consumer, in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the given name GREEN, CONSUMER, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will CONSUMER, GREEN and autograph as the agent, attorney in fact, so be it. 

I did not give consent to XXXX, Equifax, nor XXXX  to report XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX XXXXXXXX XXXX XXXX to my consumer report. 

15 U.S Code 1681a No Consent, is Identity Theft 15 U.S. Code 1681b Permissible purposes on consumer reports ( a ) In General any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I did not give XXXX  written instructions to report anything on my consumer report.

15 U.S. Code 1681a ( 2 ) Exclusions ; the term " consumer report '' does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; XXXX XXXX and XXXX are in fact credit cards that are not supposed to be on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
JPMCB CARD SERVICES - This is not my account. Someone stole my identity and opened many accts under my name without my permission or authority. Please verify all information is truly mine, correct and accurate. Please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 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: LEXISNEXIS
State: CA

Complaint narrative:
I'm writing this complaint on XXXX, XXXX, XXXX  and Lexis Nexus, I have spoke the Bankruptcy courts and they have stated that they do not provide information to any of the credit reporting agencies meaning there shouldn't be anything on my credit reports, they have also stated the these uninterested 3rd parties such as XXXX  XXXX XXXX and Lexis Nexus access the courts data base through a public access portal called PACER to REVIEW information they did not say to REPORT information, since the courts are not responsible for the misuse of any information gathered as the consumer of the United States Corporation in going to take matter into my own hands. This is where the violations come into play. These uninterested 3rd parties I have mentioned are in violation of 15 USC 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the CONSUMERS RIGHT TO PRIVACY. Nobody asked these reporting agencies to report anything they went out of their way to harm my reputation. 
They are also in violation of 15 USC 1681a ( d ) ( 2 ) ( B ) the term consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. 
Every account that was included in the bankruptcy was an authorization of an approval of an extension of credit indirectly from my credit card. 
There is no need to validate this, I know im the original creditor I can only validate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
Okay I want to start by saying I don't understand why this agency consumer finance do not take more legal action against Credit Acceptance they have to have numerous complaints against this company because they deliberately tried to destroy people Credit and report false information on people 's credit report, the lawsuits about this company is horrifying lawsuit on top of lawsuit why is this company still being able to remain open this is horrible I had a car with these people back in 2019 it was totaled I paid on it for a whole year prior insurance paid the value of it I'm not paying them anymore money they keep adding to the balance on my credit report and I feel that it's illegal to keep adding to a balance and you know longer possess their property I thought that this agency handling this was more affiliated with Washington because I just don't think that this agency consumer financing bureau can really do much, all the years that these people have taken advantage of the public something needs to be done to this company to be shut down I want to really take this to Washington because it's apparent something is not getting through, this can't be possibly be right to be treating customers like this and you are still open you can barely find a positive review on these people this is really bad and I'm sick of them posting slight increase after increase on my credit report I have found so many complaints against this company and nothing has been done it's falling on deaf ears upon investigation they have been sued a million times civil lawsuits everything you can possibly imagine and they still remain open something is not getting through to shut this company down after I submit this I want to go to a higher authority because the proper help is not being done against them, this should be against the law to treat consumers like this and for the life of me I'm going to keep posting and posting until something is done about this someone has to stand up against this harassment

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
I have no knowledge of these charges and haven't ever been notified of them. The charge appeared on my credit reports and I'm unaware of what they are for.

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 2021-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I bought an XXXX XXXX from Best Buy in XXXX XXXX using Citi Credit card issued by Best Buy itself. I paid off my balance in XX/XX/XXXX. I was surprised to hear Citi contacting me to pay some {$200.00} that they said I had not paid. They contacted me for the first time since last year only in XX/XX/XXXX, a month ago. 

As soon as I received the notice from Citi, I called Best Buy if, indeed, I still owed them since I paid off last year. Their answer : " You don't owe us anything. '' Citi has now sent my account to collection. This obviously is not fair and is wrong. I have called Citi several times with no help forthcoming, despite the fact that I had to wait several minutes for someone to talk to me. A lot of times it was their machine that talked back to me and I had to give up. I appreciate your help to protect my excellent credit history/ record. 

Thank you

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