vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Revco Management, LLC
State: CA

Complaint narrative:
This collection agency is furnishing an alleged debt that is on my consumer report ( XXXX ) The collection Agency Revco which is on XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX has not provided me with the proper validation according to 15 usc 1692g. Also they have violated 15 usc 1692f. I have not received any proof that there was a such agreement that expressly authorizes this debt collection agency to collect on an Alleged debt which is a violation of the FDCPA. I sent a debt validation letter on XX/XX/2021 and have not recieved any proof of the from them that there is an agreement in place pursuant to 15 usc 1692f ( 1 ) of the FDCPA that they can collect from me or that they even own the debt. This is a violation of my right to privacy. The comapny has also violated these laws. 

- 15 usc 1692b ( 2 ). Requesting location information from a family member saying i owe such debt - 15 usc 1692b ( 5 ) Using a symbol to indicate to the consumer that the debt collector is in the debt collection business - 15 usc 1692c ( a ) ( 1 ) calling the consumer at an unusual time or place - 15 usc 1692c ( a ) ( 3 ) calling at the consumers work place when it is prohibited to recieve such communication.

- 15 usc 1692d ( 1 ) using the means of harm to damage my reputation - 15 usc 1692d ( 2 ) The use of profane language which is used to abuse the hearer or reader - 15 usc 1692d ( 5 ) Causing the telephone to ring repeatedly with intent to annoy, Abuse or harass any person at the called number - 15 usc 1692e ( 2 ) The false representation of the legal status of a debt - 15 usc 1692f ( 1 ) The collection of any amount unless such amount is expressly authorized by the agreement creating the debt - 15 usc 1692g ( a ) Failure to provide the 5 things to prove the comsumer owes a debt within 5 business days. 

There is over {$10000.00} listed in violations of the FDCPA and if this issue is not resolved i will pursue litigation with this company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
My identity was stolen around XX/XX/2021. Someone used my information ( SSN, DoB etc. ) to apply for a loan to XXXX XXXX XXXX, located at XXXX XXXX XXXX. XXXX XXXX, MI XXXX. I live in the state of Washington and the credit union is located in the State of Michigan. XXXX does not provide out of state loans so they rejected the loan application. However they did conduct a hard inquiry into Transunion. I had not even heard of this credit union. This hard inquiry was reported and then I discovered that my identity was compromised. I called XXXX and informed them about the fraudulent activity. I requested them that they reach Transunion to delete the hard inquiry that refused to do so. 

I did freeze my credit with all the three credit bureaus. I filed a police report and report with the FTC. 

I tried to reach Transunion. It seems Transunion allows a dispute of a lot of information from your credit report EXCEPT the hard inquiry. There is no information on their website on how to get rid of the hard inquiry. 

It is totally unfair to me that ( 1 ) although XXXX rejected the loan because the address was out of town, they conducted a hard inquiry to damage my credit score and now refuse to correct their mistake. 
( 2 ) Transunion has no process online to allow consumers to dispute a hard inquiry. It seems they allow easy access for fraudulent activity but no on line process to corrective 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 2021-03-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: MA

Complaint narrative:
Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

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 2021-03-17 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I sent correspondence to each bureau on XX/XX/21 disputing inaccurate items and as of today over 50 days later I have not received a response notifying me of the investigation. I feel like I'm on a hamster wheel disputing this inaccurate information. In researching how these inaccurate items appeared on my report I discover my information was impacted by the Equifax data breach. Now more than ever I feel my information has got into the wrong hands. I also researched it is illegal by US law inaccurate items be deleted. Your assistance is greatly appreciated

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Paypal Account Limitation So I was notified on about first week of XXXX that my paypal account was limited and they requested for additional documents to verify that account belongs to me. I submitted their requested and waited. After few days, I got another notification that my account to limited permanently, they did not mentioned the reason why my account was put into limitation. So I called the customer service and explained the situation and asked why my account it put into limitation and i have submitted the documents they requested and still not solved. I also asked the reason why it was put into limitation and the customer service told that they can not disclosed the reason with me and i had to wait 180 days to access my funds if there is any and my account will permanently limited and i won't be able to use paypal anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I did not authorize anyone to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my knowledge. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. I am a victim of fraud and theft. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. I have requested multiple times for verification of this account and send out disputes on the following dates : XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 but Ive had no responses. Ive sent out requests to the credit bureaus. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Company Name : Portfolio RC Is asking me to pay {$1100.00} Which is unfair because I only used {$500.00} I credit to make a purchase but the accumulated interest made the amount due now over double the amount used initially. Id like to fix this off my credit history so I can help recover my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
THESE PEOPLE AT EXPERIAN TRY TO EXTORT ; PEOPLE INTO EITHER BUYING PROTECTION YOU DON'T NEED OR THEY FAIL TO RESPOND TO PROBLEMS. 

I ONLY NEED TO TEMPORARILY LIFT A FREEZE SO THAT MY CREDIT UNION CAN CHECK THIS XXXX REPORT. I TOLD THEM CHECK XXXX OR XXXX XXXX RATHER THAN GO THROUGH THIS XXXX. 

BUT NO, THEY HAVE A " CONTRACT '' WITH EXPERIAN, AND THAT EXPLAINS IT. THEY ARE SO XXXX CHEAP AND THE SERVICE FROM THIS COMPANY IS HORRID. I CALLED SEVEN TIMES AND THE CALL GOES AROUND IN CIRCLES. YOU ARE KEPT ON HOLD FOR THREE MINUTES AND THEN THEY DISCONNECT IT. 
NO MATTER WHAT YOU CALL. 

I WAS ON CHAT AND IT KEPT HOLDING AND HOLDING AND THEN FINALLY THEY DISCONNECTED ME. 
THIS IS SO THESE GREEDY, PATHETIC XXXX CAN EXTORT WE CONSUMERS INTO PAYING FOR WHAT WE SHOULD BE GETTING FREE. THIS PEOPLE XXXX UP AND GOT HACKED AND NOW THEY WANT US O JUST DROP WHAT EXPERIAN OWES US FOR THEIR XXXX UP IN LETTING OUR PRIVATE INFO GET HACKED. 
PLEASE WILL YOU CONTACT THESE GREEDY XXXX AT EXPERIAN AND TELL THEM I AM TRYING TO NO AVAIL TO CONTACT THEM, BY PHONE, BY CHAT AND BY EMAIL AND THEY ARE DELIBERATELY AVOIDING THE CONTACT. IF THERE IS NOBODY THERE, THIS COMPANY NEEDS TO DISSOLVE ITSELF.

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 2021-03-17 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: NC

Complaint narrative:
Hello i am very distressed to inform you about the inaccurate reporting and violation of federal law that i have single handedly been dealing with, I sent in my dispute in 47 day ago ( XXXX ) and have still had no type of response. I feel as if i deserve more respect and common decency that i am obviously not receiving. I have informed each bureau that In these letter I quote According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I would also like to bring to your attention that according 15 U.S. Code 6802 ( a ) A financial institution may not disclose any non public personal information to a non affiliated third party company without my consent. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I would appreciate these accounts being removed in a timely manner, 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
Consumer complaint received 2021-03-17 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: FL

Complaint narrative:
I have never authorized these inquiries. I have never gave anyone permission for these inquiries. I do not have accounts connected with these items. I do not know the origins of these items. I do not recognize them and I want you to delete them because its a fraud!!

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 2021-03-17 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: GA

Complaint narrative:
I received a letter in the mail about a collection account this company said I owed to them. I requested that they send me validation that this particular account belonged to me. They were unable to produce any document what so ever and have reported to the CRA without notifying me about said collection to begin with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-17 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent my last letter on XX/XX/21 about unknown and inaccurate accounts on my credit report. It has been 60 days and I have not received a response yet, and the last time I called I was hung up on. 

I am tired of being taken advantage of and being ignored. 

Section 611 ( a ) says that a failure to investigate these items within 30 days is a reason for deletion. It has been far past 30 days. 

I'm also sure my info was breached in the Equifax data breach and got in the hands of the wrong person, which explains the inquiries. 

Please remove these accounts and inquiries. I barely have any money but I will seek out legal help if I'm forced to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MN

Complaint narrative:
I requested a payoff through my mortgage company ( XXXX XXXX ) AKA ( Loan Care ) I sent a payment XX/XX/2021 to pay off my mortgage. New red records indicate the funds were received on XX/XX/2021. As of XX/XX/2021 the funds are still being held in a suspense account and not yet applied to my principle.

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 2021-03-17 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
XXXX XXXX Inquiry : XXXX XXXX, XXXX REGIONAL ACCEPTANCE Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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: MS

Complaint narrative:
Please remove all Fraudulent accounts as I have no knowledge of any these accounts due to the Equifax data breach/identity theft. all is begin investigated by the FTC. The FPCA is intended to secure my rights to privacy has been breached. According to FCRA 605B anything that in unknown to me must immediately block it from my credit report until your investigation over so I need you to put these fraudulent/authorized inquires in dispute please or you failing to comply to the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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: MS

Complaint narrative:
Please remove all Fraudulent accounts as I have no knowledge of any these accounts due to the XXXX data breach/identity theft. all is begin investigated by the FTC. The FPCA is intended to secure my rights to privacy has been breached. According to FCRA 605B anything that in unknown to me must immediately block it from my credit report until your investigation over so I need you to put these fraudulent/authorized inquires in dispute please or you failing to comply to the FCRA

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 2021-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Fidelity National Information Services, Inc. (FNIS)
State: TN

Complaint narrative:
I was denied trying to open up a bank account and was told to contact ChexSystems to find out that an account, line of credit, and credit card had been open in my name that are all fraudulent with XXXX. Bank account have a balance of {$370.00}, Line of Credit have a balance of {$21000.00} and Credit Card with a balance of {$6100.00}. I have contacted ChexSystems and XXXX about this issue and have received the same inaccurate results.

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