vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
This account was paid in full and reported to Capital One that any additional charges were fraudulent due to identity theft with XXXX and XXXX  XXXX XXXX, they refused to close the account and sold debt to 3rd party collection agency XXXX XXXX XXXX, this company refuses to provide the proof I owe the debt and continue to make threatening phone calls at all hours. I am in the process of filing a lawsuit against both XXXX XXXX XXXX and Capital One if this false debt is not removed. Also I do not go by XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Unexpected or other fees — 
Company: XOOM CORPORATION
State: IL

Complaint narrative:
I used XXXX online to send money to one of our family friend XXXX XXXX XXXX in XXXX. The XXXX transaction id is XXXX. My friend never received the money and they didnt refund me either. I have tried to reach them multiple times. Every time they say that their partner bank is not responding and will update me. But they never update me and its lost case at point. I need help of authority who can help me get my money back. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HEARTLAND PAYMENT SYSTEMS INC
State: PA

Complaint narrative:
Hi- Campus Partners are showing that I have several late payments for a studnet loan on my credit report in XXXX, but I have no idea who they are, they do not have a webiste that I can find and any contact phone number I did find ( on other university websites ) are out of service so I can not even contact them to find out what this is supposed to be about. I do not have oustanding loans and have not- my tuition at XXXX XXXX  Oregon was paid through a graduate teaching fellowship. I do not know what to do or how to get this off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
This is in Reference to Portfolio Recovery. This is a collection account, in which i do not have any knowledge of the company. I have asked Multiple times requesting validation of the debt, as well as copy of the original contract that was signed with my signature. Pursant to usc 1682G ( b ), I am able to see the proof of chain title of ownership. They have refused to send me any documentation. Along with this, it is listed on my credit report as open with past due amount showing. As a collection account it should not be open and not showing late and past due amounts. With this being said i wou7ld like it to be removed as being inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
my father used my social security number to open a credit card in my name and now it has been sent to debt collectors that want me to pay for them. i just turned XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
I need this to be removed These Inquiry affect me 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 Incorrect

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 2023-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MI

Complaint narrative:
I worked out a loan modification with them. It was pay 3 payments on time, then they would put the rest at end of mortgage. I made all three payments. I talked to someone and they said yes you did and they were taking care of the rest thru a program they had. Then I got a call saying they needed my divorce paperwork because som6else might be on my title. Complete lies they told me. I have been divorced over 10 years and he's remarried. I was with another company first, whom I took my loan out with and they never needed that. My name is the only one on the title. Then they said yeah he isn't but still need divorce papers. I'm waiting for it in the mail but in the meantime they are foreclosing on me. I had to redo loan modification again. Waiting on reply. They don't like to tell the truth. One day late and they livk you out of paying even if you have a 10 day grace period.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
There are two accounts on my report that I do not recognize

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 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
There are Two accounts on my report I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I received a notification today from XXXX that my XXXX XXXX account ending in XXXX is delinquent, previously charge off even though monthly payments were made. This information is inaccurate as proof will indicate. 
As 15 U.S. Code 1681, Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

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 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I received a notification today from XXXX that my XXXX XXXX account ending in XXXX is delinquent, previously charge off even though monthly payments were made. This information is inaccurate as proof will indicate. 
As 15 U.S. Code 1681, Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Prince Parker & Associates
State: GA

Complaint narrative:
Good Morning, XXXX XXXX XXXX had that I owed a balance for the modem equipment that was returned. I contacted Prince-Parker to inform them of the return as they have just called me. I spoke with a representative that informed me that they will still report on my credit even after the return. I then informed her again they are attempting to collect on an account that no longer have a balance and XXXX XXXX XXXX will be contacting them as I just spoke with them. I also informed her that no only are they attempting to collect on a settled balance but they are illegally trying to collect in a state they are no licensed to collect in.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX, which is enclosed with this correspondence. 

In accordance with 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within XXXX business days of receiving a complaint that includes the following information : 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 I want to emphasize the gravity of this matter and my expectation for a prompt and effective response. Failure to respond satisfactorily will compel me to pursue legal action against your agency, as allowed under the law. Please be advised that I will seek damages, including but not limited to, statutory costs, with each violation incurring a statutory cost of {$1000.00}, as specified in 15 U.S.C 1692k.

1. Defamation of Character 2. Negligent Enhancement of Identity Fraud 3. Violation of the Fair Credit Reporting Act 4. Violation under 15 U.S. Code 1681o - Civil liability for negligent non compliance 5. Violation under 15 US Code 1681n ( b ) - Civil liability for willful non-compliance 6. Failing to comply with 15 USC 1692 ( g ) 7. Violation under 15 U.S. Code 1681b Permissible purposes of consumer reports 8. Under 15 U.S.C. 1681i ( 7 ) Method of verification 9. Violations under 15 USC 1681 a ( 4 ) right to privacy 10. Violations under 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports

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 2023-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. XX/XX/XXXX account # has violated my rights. 

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 a consumer reporting agency can not furnish an account without my written instruction. 
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 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

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 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I hope this note finds you well. I'm reaching out because I've noticed something weird with my credit report. For my account : Account Name : XXXX XXXX XXXX Account Number : XXXX It's showing that I've had 3 late payments. There are payment history discrepancies along with a multitude of other inaccuracies that I've found. 

Consumer Reporting Agencies should always go about their way to comply and represent maximum accuracy. 

Thanks a bunch for looking into this. I'm looking forward to getting my credit report fixed up right.

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 2023-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I contacted Apple on XX/XX/23 to conduct a dispute that happened on my old device that my ex used due to me not having access to my other phone that I ended up losing in XXXX, I didnt have access to my banking my XXXX my emails nothing, so I was unaware to see what was taking place. I reported it and they opened a claimed and actually closed the claimed and provided my refund. Now the issue is my XXXX is now locked for suspicious activity, Ive never done anything suspicious and the last person I sent {$20.00} to was my sister and it triggered my account to be locked. So my refund went to a locked account and theyre telling me I cant get it back and that my account is locked indefinitely and I just feel so robbed and lost because I have no idea why they would do that and feel comfortable doing that, I wouldve complied to anything they asked me to do in regards of my account but to completely kick me off without explanation and then keep my money is overly insane, Real life banks doesnt even do that. Hopefully theres something you guys can do to get this done I was referred here by some people in a group chat that said yall were successful in reaching out to Apple to get this done so Id appreciate it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: CT

Complaint narrative:
Radius Global Solutions claims I owe an amount of {$190.00} to XXXX XXXX, this amount represents closing balance in checking account ending XXXX. As explained in prior CFPB complaint, this account was opened by XXXX XXXX, not myself, was not authorized. The account was used, had little activity including a debit card purchase from XXXX, item purchased was lost/stolen, sebt via XXXX wirh a forged signature. XXXX XXXX accepts forgery as true and correct, reversed temporary credit in amount of XXXX Radius Global referred account back to XXXX XXXX XXXX advised they would reach out in re, have not heard back.

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 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
Disputed XXXX XXXX XXXX on Experian, disputed two accounts. Asked for specific details to verify alleged debt. Experian verified both accounts without providing the proper information requested by me. Account XXXX is inaccurate with original balance, past due balance and balance being inaccurate, therefore must be removed pursuant furnishing inaccurate, harmful data. Account XXXX has a past due balance, which is inaccurate reporting since it cant be past due on a collection account therefore I demand immidiate removal.

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 2023-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: MD

Complaint narrative:
I am writing in regard to a problem with Square Payroll. I joined Square Payroll on XX/XX/23 for my LLC. This LLC is my business for consulting and contractor work for reviewing patient charts and doing XXXX XXXX work. I ran the first payroll on XX/XX/23 which was to be paid out to the sole employee on XX/XX/23. The {$9400.00} was deducted from the business account on XX/XX/23. On the morning on XX/XX/23, an email was received that the account was deactivated and referred me to Section 11 of terms and conditions for the reason. Section 3, # 11 states that is is prohibited use the Services for any illegal activity or goods or in any way that exposes you, other Square users, our partners, or Square to harm ; or. And Section 11 of the general terms is related to Taxes. As such, it is unclear why my account was deactivated as I am neither engaged in illegal activities nor have any current outstanding tax obligations. I called customer service and was referred to Account Management representative XXXX who advised he could provide no further information regarding the deactivation. He stated that though the money was deducted from my business account, it no longer appears in my Square account and believed that the e-check was already sent. He referred me to Payroll representative XXXX for confirmation and she stated the payroll will not be run and that perhaps the money would be returned in 4 days. I called back later in the day and spoke with another representative who stated that the payroll would be run as scheduled and the direct deposit would be done on XX/XX/23. On XX/XX/23, though my account with Square Payroll was deactivated, the took {$41.00} for a payroll processing fee. 

On XX/XX/23, the employee payment was not received nor was the money returned to the business account. On XX/XX/23 I called in and was told the payroll had been cancelled on XX/XX/23 at XXXX XXXX. I requested the date of when my funds would be returned and they would not provide that information. 

I find it reprehensible that the account was deactivated with a reference to illegal activity which is a patently false accusation. Furthermore, the inability to definitively tell me exactly where my money is and when it will be returned is truly disturbing. I would like the money returned immediately. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
XXXX XXXXXXXX XXXX XXXXXXXX : unauthorized inquiry on XXXX XXXX Ally financial : unauthorized inquiry on XXXX XXXX XXXX XXXX XXXX XXXX auto ) : unauthorized inquiry on XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : unauthorized inquiry on XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX Amount : XXXX Date : XXXX XXXX Unauthorized or non consent/not my account

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 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. ( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
Reported last week Made dispute this week Been calling lender to report to Equifax everyday

Company response to consumer: Closed with explanation