vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Management Partners, LLC
State: MI

Complaint narrative:
I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the RMP, LLC ( Original Creditor : IXXXX XXXX XXXX  ) with account number XXXX, still reporting on my credit report in violation of Federal Law. The XXXX and XXXX are failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681 within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Global Asset Agency, Inc.
State: AL

Complaint narrative:
I got notification that this collection account was added to my credit report on XX/XX/2022 from Global Asset Agency in the amount of XXXX. I attempted to reach out to the company on XX/XX/XXXX to get information about this debt with the number that was on my credit report which was XXXX. A man answered the phone and stated that this is his personal cell phone not Global Asset Agency. I then attempted to send a verification/debt validation via fedex to this company ( tracking number XXXX ) on XX/XX/2022. It came back as undeliverable to the XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX address that was on my credit report. I didn't receive any calls or written communication from Global Agency on this account. I finally was able to find a contact number for this account by googling and researching several numbers. I called XXXX and spoke with a guy named XXXX XXXX. I asked him when did he attempt to reach out to me in reference to this debt, and he said sometime around the end of XXXX. He couldn't give me any dates on anything. I never received any mail communications or calls. I also asked him what information did he have on file to validate that I owe this debt, and the only thing he could provide a phone number and address for me. I asked him was there a contract from the alleged original creditor ( XXXX XXXX ) and he said he didn't have it, but would attempt to get it. I asked, how could you attempt to collect or report an account that you can't validate or verify. He began to be very rude, and short with me and then hung up on me. I am very skeptical about this company, because they definitely haven't provided any evidence besides my name and address for this account, and the bank account he provided didn't match mine as well. I told him that I would be filing a complaint, and also disputing this and seeking legal action if they were reporting on an account that doesn't belong to me without sufficient evidences. He claimed that he would email me information and still hasn't. 
The Collection company is Global Asset Agency and their number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: PA

Complaint narrative:
EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX Previous Address : XXXX XXXX XXXX FL XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Employers : XXXX XXXX XXXXXXXX XXXX -These personal information are need to be corrected. 

Collection : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX PA ) XXXX Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX PA ) XXXX Balance : {$570.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$270.00} -These accounts are inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of XXXX XXXXXXXX XXXX and according to XXXX XXXX XXXX, you MUST delete this immediately. 


XXXX XXXX : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX OF PA ) XXXX Balance : {$570.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$270.00} -These accounts are inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of XXXX  XXXX XXXX and according to XXXX XXXXXXXX XXXX, you MUST delete this immediately. 

XXXX XXXX XXXX Also known as : XXXX, XXXX Current Address : XXXX XXXX AV XXXX, PA XXXX XXXX/XXXX Previous Address : XXXX XXXX AV XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Employers : XXXX XXXX XXXX XXXX  -These personal information are need to be corrected. 

Collection : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX OF PA ) XXXX Balance : {$570.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX OF PA ) XXXX Balance : {$570.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX OF PA ) XXXX Balance : {$1200.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$270.00} Date Opened : XX/XX/XXXX -These accounts are inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of XXXX  XXXX XXXX and according to XXXX XXXX XXXX, you MUST delete this 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 2022-02-15 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: NY

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2022-02-15 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: WI

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

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 2022-02-15 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: WI

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: EQUIFAX, INC.
State: CA

Complaint narrative:
My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. Besides, the inaccurate information about my account is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Balance : {$93.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Hello so my problem is I been contacting PayPal for the longest regarding this complaint I did a PayPal pay in 4 plan For a stay at XXXX the hotel was disgusting I have pictures it didnt have heat I contacted PayPal they couldnt help me but then I also contacted my bank I spoke to numerous reps from PayPal that said if I can provide proof my bank ruled in my favor then Im able to have everything waived which I provided proof already regarding that problem I get told by numerous reps from PayPal its a technical error and thats coming from executive escalations department of PayPal one rep says its good the other rep says its not good a rep that said it wasnt good at first email now says its a technical error as well I have emailed them countless of times trying to figure out whats right and whats wrong I have received threatening phone calls from them and being told they are going to mess up my credit report if I dont pay it back but I told them its a technical error and they will say yes I see it dont worry but I just got told today by a rep that its 70 days over due and I need to pay it and now the rep Im speaking to is saying its a technical error nobody is giving me factual information the only factual information is getting that they will mess up my credit report but another thing is a rep giving XXXX dollars and change if a rep is doing that I dont think my account is in the negative because no way would a rep from payola give you XXXX dollars as an inconvenience if you owe money so I need help getting to the bottom of this I just sent PayPal executive office more emails that said Im going to file a complaint with you guys I dont think my credit should be in jeopardy for misinformation and I will be proving screenshots of this problem

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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:
XXXXXXXX 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 XXXXXXXX -These personal information are need to be corrected. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThese accounts are inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611, you MUST delete this immediately. 


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 Balance : {$270.00} -These accounts are inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611, you MUST delete this immediately.

TRANSUNION Personal Information Also known as : XXXX, XXXX Current Address : 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  -These personal information are need to be corrected. 

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 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 XXXXThese accounts are inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611, you MUST delete this 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 non-monetary relief
Consumer complaint received 2022-02-15 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Previous Address : XXXX XXXX XXXX FL XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Employers : XXXX XXXX XXXXXXXX XXXX -These personal information are need to be corrected. 

Collection : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX PA ) XXXX Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX PA ) XXXX Balance : {$570.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$270.00} -These accounts are inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of XXXX XXXXXXXX XXXX and according to XXXX XXXX XXXX, you MUST delete this immediately. 


EQUIFAX XXXX : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX OF PA ) XXXX Balance : {$570.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$270.00} -These accounts are inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of XXXX XXXX XXXX and according to XXXX XXXX XXXX, you MUST delete this immediately. 

XXXX XXXX XXXX Also known as : XXXX, XXXX Current Address : XXXX XXXX XXXX  XXXX, PA XXXX XXXX/XXXX Previous Address : XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX PA XXXX Employers : XXXX XXXX XXXX XXXX -These personal information are need to be corrected. 

Collection : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX PA ) XXXX Balance : {$570.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX PA ) XXXX Balance : {$570.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  PA ) XXXX Balance : {$1200.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$270.00} Date Opened : XX/XX/XXXX -These accounts are inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of XXXX XXXXXXXX XXXX and according to XXXX  XXXX XXXX, you MUST delete this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capstone Credit & Collection, LLC.
State: TX

Complaint narrative:
Im writing in regards to Capstone Credit & Collections who has ruined my credit with a debt I do not owe. The company operated by XXXX XXXX are abusive, and unyielding in their efforts to not remove a fee from my credit from an apartment complex I vacated over 4 years ago. They failed to send a letter to me verifying I owe this debt and still refuse to show me evidence this debt is mine. Ive sent two certified letters to them with no response. They have a history of violating federal credit laws and I want this permanently removed from all three bureaus. 

XXXX also filing against bureaus XXXX, XXXX, and XXXX for allowing this to occur against my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Hello, my Venmo account was frozen on XX/XX/21 ( XXXX days ago ) I was told would take up to XXXX days for my funds to be released. Im hoping to have my funds soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX at XXXX MST, I called Equifax due to a discrepancy on my account for my name. I had a legal name change in 2019 from XXXX XXXX XXXX to XXXX XXXX XXXX. I am in the process of buying a house and need to have my credit accounts straight. They gave me a fax number and I had faxed Equifax by XXXX with my drivers license and social security number that morning. The representative told me that the documents would be received in 3-5 business days and that it would be processed in up to 5 days. 

I followed up with a call on XX/XX/XXXX at XXXX MST. The representative said that no documents were received. I called again on XX/XX/XXXX at XXXX MST. This time the representative made me use an application were I used my drivers license ( with my current name XXXX XXXX XXXX XXXX and take a picture of myself. He said that he could not verify my ID and could not tell me why. I ended the call. 

On XX/XX/XXXX at XXXX MST I called again. The representative said that they discontinued fax services. The fastest way for me to submit a change was through mail. 

Around XX/XX/XXXX, I mailed the documents to the address listed on their website. My lending agent informed me that we would not need the Equifax credit score for my report. 

However, when my lending agent pulled my score around XX/XX/XXXX, it populated on XXXX ( the credit reporting system ) as " Fraud Reported by Consumer. '' I called Equifax customer service again on XX/XX/XXXX at XXXX MST. The representative informed me that there was no fraud reported and that they could review under my previous name. My lending agent was not able to. They also informed me that they had not received my documents. 

On XX/XX/XXXX at XXXX, I gave Equifax customer service a call. At around XXXX, I also digitally uploaded the files and created a dispute. I received a call back at XXXX and asked to speak with a manager. The representative put me on hold. About 10 minutes later, I was hung up on with no resolution to my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by TransUnion. Besides, the inaccurate information about my account is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Balance : {$93.00}

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