vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-05 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: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
In accordance with complaint # XXXX. I noticed that even after Portfolio Recovery was put on notice via cease and desist they are still communicating with me about an alleged debt via my consumer report. The FDCPA defines the term communication broadly to mean the conveying of information regarding a debt directly or indirectly to any person through any medium '' that includes consumer reports. As I have stated previously I have never contracted with Portfolio Recovery nor have they been able to provide me with a contract in which " I '' the consumer ever had any business transactions or agreement with Portfolio Recovery because there is none. Portfolio Recovery committed identity theft by purchasing my personal identifying information without my consent and then Portfolio Recovery committed aggravated identity theft by using that information to furnish alleged debt to my consumer report without my consent. Parking alleged debt on a consumer report to coerce payment, extort, or intimidate is illegal and is within the legal scope of racketeering and that carries up to 20 years in prison. I've given Portfolio Recovery a chance to cure this matter but they are being willfully non-compliant as well as willfully negligent to my rights as a federally protected consumer. This is the last notice in regards to this matter, a rebuttal is unnecessary and ignorance of the law is no excuse. DELETE the accounts in question from ALL consumer reports upon receipt of this notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paramount Recovery Systems, L.P.
State: AZ

Complaint narrative:
I received a letter in the mail from Paramount Recovery Systems saying I owed {$350.00}. It did not state who I owed the money to, it did not state if it was a credit card company, it did not state the creditor at all. Neither did they provide any kind of account number. The letter was not asking for any personal information, but it did contain a small form to fill out and send back which I did. The only information on the form was my address which apparently, they already have. The amount stated was an exact figure which is a red flag to me. There are no cents in the amount. There were boxes to check for actions to take. I checked the box that stated I don't believe this is my debt, I checked another box that stated I want to know who the original creditor is. It seemed legit until I looked up the company on the XXXX website. It appears to be an accredited company that has been operating for 20 years but when I looked at the customer reviews, there was nothing but bad reviews and complaints that Paramount never provided the information the customer requested and continued to insist they owed the debt. I think what they are doing is fraud. If they can't or won't provide information that will validate the debt, that means more than likely, they don't have it because the debt is not valid. I would like this company investigated and every case they contrive investigated as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: NC

Complaint narrative:
XXXX XXXX XXXX reported to XXXX, XXXX, and Transunion that the account # XXXX was charged off as of XX/XX/XXXX. In the three credit reports the above account shows : XXXX  : A balance of XXXX, past due of XXXX, and 18 months of CO 's interpreted as 18 late payments. 

XXXX : A balance of XXXX, past due of XXXX, and 17 months of CO 's interpreted as 17 late payments. 

Transunion : A balance of XXXX, and 17 months of CO 's interpreted as 17 late payments. 

I reached out to XXXX XXXX XXXX in XX/XX/XXXX and requested that the inaccuracies in the account be corrected. It has been over 90 days and I have received no response. After receiving no response from XXXX XXXX XXXX, I began to dispute the information with XXXX, XXXX, and Transunion through certified mail, and the three credit bureaus response was that the account would remain the same because it had been verified. I have disputed over four times and although I have attached and highlighted their blatant inaccuracies of multiple charge offs, past due amounts, and balances reported for the account ; all three bureaus continue to report the account as accurate.

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 2022-04-05 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: NC

Complaint narrative:
XXXX XXXX XXXX reported to XXXX, Equifax, and XXXX that the account # XXXX was charged off as of XX/XX/XXXX. In the three credit reports the above account shows : XXXX : A balance of XXXX, past due of XXXX, and 18 months of CO 's interpreted as 18 late payments. 

Equifax : A balance of XXXX, past due of XXXX, and 17 months of CO 's interpreted as 17 late payments. 

XXXX : A balance of XXXX, and 17 months of CO 's interpreted as 17 late payments. 

I reached out to XXXX XXXX XXXX in XX/XX/XXXX and requested that the inaccuracies in the account be corrected. It has been over 90 days and I have received no response. After receiving no response from XXXX XXXX XXXX, I began to dispute the information with XXXX, Equifax, and XXXX through certified mail, and the three credit bureaus response was that the account would remain the same because it had been verified. I have disputed over four times and although I have attached and highlighted their blatant inaccuracies of multiple charge offs, past due amounts, and balances reported for the account ; all three bureaus continue to report the account as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: CA

Complaint narrative:
I AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT. 
DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME! 

The tradeline being reported has a derogatory rating which has caused me serious financial and emotional distress. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics. 

In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information XXXX XXXX XXXX  is furnishing. 

LIST OF INNACCURACIES FOUND ON XXXX XXXX CREDIT REPORT : ACCOUNT # ACCOUNT TYPE ACCOUNT STATUS DATE OPENED HIGH CREDIT CREDIT LIMIT LAST REPORTED DATE LAST ACTIVE DATE OF LAST PAYMENT PAYMENT HISTORY THE XXXX XXXX was required to notify me later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that TXXXX XXXX XXXX  complied with this requirement.

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 2022-04-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: CA

Complaint narrative:
Approximately one month ago US Bank personnel embezzled, converted or otherwise unlawfully exercised dominion and control over, the complainants checking account as an unappointed fiduciary, overdrafting {XXXX}. 
Without the complainants consent, said personnel then tendered that amount to the XXXX XXXX  XXXX and thereafter imposed overdraft penalties on the complainants account in the amount of {XXXX}. 
Notwithstanding, the complainant recently deposited money into [ his ] checking account, whereat which time US Bank personnel excised the overdraft penalty fees fraudulently manufactured by them. 
Since then, the complainant has been reluctant to deposit any more funds onto [ his ] checking account, due to these unfettered actions, and the lack of procedural safeguards associated therewith. 
Nevertheless, through recorded conversations between the companies and the complainant it was determined that funds would be redeposited onto the complainants checking account and the overdraft penalties remitted.

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 2022-04-05 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit reporting act the following accounts have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: Mercedes Benz Financial Services
State: FL

Complaint narrative:
Im having an issue where my current car lease from Mercedes Benz its showing a late payment for XXXX and payment was never late

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: A.R.M. Solutions, Inc.
State: NY

Complaint narrative:
I had XXXX XXXX XXXX in my home heating propane delivery. then they merge with the XXXX company. the sent me a bill for {$110.00} for price protection for next year 's service. I close the account with them I did not take service I have a different company now. I call so money time to XXXX I explain to them. and now they keep adding up {$30.00} each month. now they asking for {$330.00} from collection company A>R>M solutions , inc. I just received the bill. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I tried closing my account, in XX/XX/2021 and TD bank said I needed to zero my account. Upon doing so, they stacked transactions in such a way that they could charge an overdraft on me, even if the transactions were clearly in an order that it shouldn't have been. They they prevented me from closing the account again. Upon trying to zero the account, they then charged me monthly fees. I tried to reinstate a balance to avoid monthly fees. Then zeroing account again in XX/XX/XXXX I was again charged an overdraft and was unable to close the account with a negative balance, which was exactly the size of the overdraft. Upon contacting them and trying to close the account again, they did not let me and insist on charging more fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Time Investment Corporation
State: NC

Complaint narrative:
I initially fell behind on my account due to Covid19 and asked for a deferral several times and have not received one. I have received multiple voicemails pertaining to this account which my friends and family have heard. Proprietary information should not be disclosed on my phones voicemail. Last voicemail I received was from branch manager XXXX you should know better considering where you work, this account will be charged off by the end of the month if we do not receive payment. AND DO NOT CALL BACK HEAR ASKING FOR IT TO BE REPEALED. This voicemail was intimidating and harassing. When I called and spoke to XXXX he specifically said YOU OWE ME MONEY. I replied I owe time financing, not you I asked for another deferral and he replied why would I give you one and you havent paid me in how many months? I replied, thats why you would give me one I advised XXXX to never talk to me like that again, I am not his child. I spoke with his supervisor XXXX and even provided him the voicemail nothing has happened. I have yet to receive any deferral and I have not been advised why I can not receive one. I am being discriminated against based on the XXXX of my skin, I sincerely believe minorities are being mistreated and it has a disparate impact on their credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: RI

Complaint narrative:
I noticed two hard inquiries that do not belong to me. I contacted all three credit bureaus and put an investigation, which resolved nothing. 

The hard inquiries in question are : XXXX XXXXXXXX XXXX XXXX I also tried to get it removed by contacting the actual companies who did this inquiries and was told to dispute it with my credit reporting bureaus.

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 2022-04-05 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: TX

Complaint narrative:
XXXXXXXX XXXX opened XX/XX/XXXX amount {$7400.00} -FTC Violation JXXXX XXXXd opened XX/XX/XXXX amount {$5100.00} -FTC Violation XXXX opened XX/XX/XXXX amount {$300.00} -FTC Violation XXXX XXXX XXXX opened XX/XX/XXXX amount {$320.00} - HIPPA Violation XXXX XXXX XXXX opened XX/XX/XXXX amount {$140.00} -FTC Violation XXXXXXXX XXXX opened XX/XX/XXXX amount {$900.00} XXXX FTC Violation XXXX XXXX opened XX/XX/XXXX amount {$3000.00} -FTC Violation XXXX XXXX XXXX opened XX/XX/XXXX amount {$4700.00} These are all inaccurate information on my credit report. This is a FTC Violation

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 2022-04-05 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:
In accordance with the Fair Credit reporting act the following accounts have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: FIFTH THIRD FINANCIAL CORPORATION
State: WA

Complaint narrative:
My XXXX XXXXXXXX XXXX was totaled out after a car accident in XXXX of XXXX. Fifth Third bank completely shutdown their total loss department duty to covid and was only accepting emails. They continued to count my car payment late for months because they took their time responding back to my insurance and gap warranty companies. Eventually they reported that my car was being repoed which is impossible because the car was totaled. Eventually I got a letter in the mail stating I owed an additional {$890.00} after my car insurance and warranty paid their balances. They falsely reported to my credit report off of that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Millco Management
State: FL

Complaint narrative:
I have sent a debt validation letter " TWO '' times on the following dates ( XX/XX/2022 and XX/XX/2022 ) and each time this company has failed to validate my debt. Instead they sent a list of my medical records which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. I have my receipt of the certified mail that my letters were delivered. Please delete this information from my credit file and cease all collection activities immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: VIRTUOSO SOURCING GROUP, LLC.
State: ID

Complaint narrative:
On XX/XX/XXXX I kept receiving calls from an unknown number. I finally called the number back to find out that it was a collections company with virtuoso sourcing group. They were trying to collect a debt for {$650.00} for a power and light company in XXXXXXXX XXXX I knew something was wrong because I live in XXXX XXXX and have never once in my life lived in XXXX. They told me the address lived at was XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. Immediately I reported that that account was identity fraud and was not my debt. I have also sent that Virtuoso group an email with a police report of the fraud I reported that same day. The case number for my police report is XXXX with XXXX XXXX police station on XX/XX/XXXX. I checked my credit report on that day to find another collections account, this one totaling {$4200.00} at a XXXX XXXX apartments also in XXXX. The collections account was at XXXX XXXX XXXX. I have also reported this account as Identity theft and emailed in the necessary information to the company to get it removed from in relation to my identity. I have gone on experion and reported a hard inquiry on my credit regarding a XXXX XXXX credit card that I never signed up for. The date online said it was signed up for in XXXX XXXX XXXX. I need to get these fraud reports and accounts removed from my name and my credit restored as they are not my debts and I have been a victim of Identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: CA

Complaint narrative:
I AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT. 
DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME! 

The tradeline being reported has a derogatory rating which has caused me serious financial and emotional distress. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics. 

In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information XXXX XXXX XXXX  is furnishing. 

LIST OF INNACCURACIES FOUND ON XXXX XXXX CREDIT REPORT : ACCOUNT # ACCOUNT TYPE ACCOUNT STATUS DATE OPENED HIGH CREDIT CREDIT LIMIT LAST REPORTED DATE LAST ACTIVE DATE OF LAST PAYMENT PAYMENT HISTORY THE XXXX XXXX was required to notify me later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that XXXX XXXX XXXX complied with this requirement.

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