vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: IL

Complaint narrative:
I looked on my credit report and noticed that there is alleged debt that hasn't been validated placed on my credit report.. I do not owe any debt and this alleged debt is being advertised on my credit report to force me to pay this alleged deb which is a violation of the FDCPA. This debt collector is civilly and criminally in violation of the FDCPA laws. I have attached documents in hope to get this issue resolved or i will be seeking litigation. i am the original creditor so only i can validate this debt pursuant to 15USC 1692g and i do not validate this alleged debt. Sending things like contracts and bill statements is not a validation of debt under the FCRA AND FDCPA. As of this moment i am not seeking monetary relief i just need the alleged debt removed from my consumer reports but if its not i will be suing and seeking monetary relief of each individual violation that you have violated and also the emotional distress you have caused me hopefully it wont have to come to that, The ball is in your court you determine what happens next i know the law is on my side

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: CURO Intermediate Holdings
State: CA

Complaint narrative:
They told me they no longer had access to my account. Its appearing as a wrong date on my credit report. It should be off my report already?!! Its affecting my chances of my credit going up!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LTD Financial Services, L.P.
State: CA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
We have not been able to get the XXXX XXXX XXXX XXXXt form EQUIFAX, and this has been the case for almost an entire year. As well, my wife is not able to get the XXXX XXXX XXXX XXXX XXXXrom EQUIFAX with her BAN not being in place for as long as mine. 

We've also have not been able to register for the paid and direct access to our Equifax credit reports using Equifax.com. They have banned both my wife and myself from getting FREE and downloadable reports, but instead links us to Equifax site that ask us to provide documentation of various forms of ID and they will send us the reports. This request from them is not going to happen, because our sole purpose to to XXXX XXXX XXXX XXXX is to make sure we are getting the SAME report that the banks and lenders get when they pull credit. The Myequifax.com that they have restricted us to use for our credit reports DO NOT contain the same data thaXXXX XXXX XXXX XXXX contain, nor does Myequifax.com allow the same access that Equifax.com allows. 

So that is what we have been opening multiple CFPB complaints asking to have the restrictions removed from our Equifax credit access and reporting. Please see listed previous complaints on this ( XXXX -- XXXX -- XXXX -- XXXX XXXX Equifax has been consistent in keeping the restrictions for the both of us in place, and has chosen instead to indicate that they have contacted the provider, as if they need permission from another company to allow us full access to the same credit reporting they allow the banks and lenders access to. The request to register as a couple is based on their family plan paid access. I was once registered to the Equifax.com and was booted off and told that I had to use to Myequifax.com and that was the case for all consumers. And was also told that only the businesses were allowed to use the Equifax.com to late find out that was not true. 

Why is Equifax keeping us from seeing what is being reported to the banks and lenders but instead has only allowed us access to myequifax.com only and has also blocked us from receiving the XXXX XXXX XXXX XXXX.?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
Dear MoneyGram XXXX, The funds ( {$300.00} ) have disappeared, and I was informed by MoneyGram that MoneyGram was returned the money back to my XXXX Credit Card. 

XXXX repeatedly contacted you in order to get the funds and MoneyGram told XXXX that the funds were transferred to the recipient which is untrue information and conflicting with your previous response. 

Please refund my {$300.00} to XXXX in a timely manner since it was never received by the recipient and never returned to XXXX. Simply, kept by MoneyGram. I will pursue this until to the Court if you continue to keep the money unlawfully. 

Transaction date : XX/XX/2020 Amount : {$300.00} Money Gram transaction Number : XXXX Previous responses and history of communication are attached here. 

Regards, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: Fidelity National Information Services, Inc. (FNIS)
State: NC

Complaint narrative:
A written request to delete the information from my report because it was incorrect, because it was unauthorized. 
Instead of deleted it from my personal information the credit reporting company updated the comment section and reported information that again was incorrect and inaccurate. 

I have written to them 2 times demanding the deletion and it has not been done. 

I have not provided authorization to provide information without my consent, especially for companies that have paid them to provide it to the for profit. 
They are a for profit company and the Federal Law states that it must ALL be accurate and correct. 

My rights have been violated on more than one occasion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, Equifax and XXXX  are reporting 24 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: PA

Complaint narrative:
I am distressed that they have included the inaccurate information in my credit profile and they have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports you publish.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX, Equifax and XXXX  are reporting 1 derogatory account on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these account or if this account even belong to me. I have sent 6th dispute letters to Equifax, XXXX  and XXXX  since XXXX XXXX asking them to investigate this account and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: MD

Complaint narrative:
There are two previous CFPB complaints that were previously filed by me on the same matter of being restricted to using two different credit report access accounts ( service.transunion.com and XXXX, which both do not allow the same access to your credit report that the Transunion.com allows. We had received a letter back in XXXX that informed us our mortgage loan had been sold and was being transferred to another lender and servicer. Soon after being informed of these changes bot my wife and I was kicked off of one of Transunion 's free accounts and was told that we had to use the service.transunion.com from now on as the only available access for both of us, When calling into Transunion we were informed of the changes but much like with another credit reporting service, they too denied us access to the a paid credit bureau account. 

See previous complaints on same matter : XXXX and XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
I reached out to this company notified them that these accounts listed do not belong to me. 
I did not own a vehicle at that time I never applied for car insurance nor did I default on car insurance 5 to 6 times. 
I contacted the company to provide proof that these accounts belong to me I instructed them provide investigation proof I demanded that my rights not be violated as they are being done by this company. 
They have multiple listings for this company These reportings were never contacted by me from the car insurance company, the original applications formed to create these accounts, The proof that the car belonged or was financed by myself, they never did. 
They sent ALL of this information to a credit reporting agency without accuracy, which is a violation of my Federal Rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: AL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
I reached out to this company notified them that these accounts listed do not belong to me. 
I did not own a vehicle at that time I never applied for car insurance nor did I default on car insurance 5 to 6 times.

I contacted the company to provide proof that these accounts belong to me I instructed them provide investigation proof I demanded that my rights not be violated as they are being done by this company.

They have multiple listings for this company These reportings were never contacted by me from the car insurance company, the original applications formed to create these accounts, The proof that the car belonged or was financed by myself, they never did.

They sent ALL of this information to a credit reporting agency without accuracy, which is a violation of my Federal Rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
In early XXXX, 2021, my husband and I purchased a clothes dryer from XXXX 'XXXX XXXX XXXX in XXXX, VA. Delivery of the dryer was significantly delayed, and we were obliged to spend an inordinate amount of our own time trying to rectify the situation with XXXX XXXX. I attempted to resolve this with the local XXXX XXXX store, but was unable to reach anyone, so my husband filed a XXXX XXXX XXXX complaint. XXXX XXXX XXXX responded to the XXXX  complaint, in the end they were unwilling to meet our request for a reimbursement of {$610.00}, the amount that we have calculated we are due, based on an offer for reimbursement that XXXX 'XXXX  did offer us, combined with a calculation of how much time I had to spend on the phone with customer service personnel from XXXX 'XXXX  ( multiplied by my hourly billing rate ). I filed a credit card dispute with Chase Visa to recover {$610.00} in early XXXX, and Chase requested additional information to continue the dispute. I provided significant substantiating information to support my claim ( and have included it here ), but Chase resolved the case in the merchant 's favor because in the end, XXXX 'XXXX  did deliver the clothes dryer. We stipulated in our dispute that we agreed that XXXX 'XXXX  did in fact deliver the item that we purchased, but that we spent an inappropriate amount of time trying to resolve this with them. When I called Chase Visa to ask why our dispute had been resolved in the merchant 's favor, the person I spoke with first encouraged me to re-open the dispute, then told me that the window for re-disputing had closed and that it would be a waste of my time. I was advised by letter that the {$610.00} charge that had been refunded to me during the dispute would be re-charged in the next billing cycle.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Problem repeatative. All credit bureaus claim to allow consumer commentary. Their own words - they DO NOT! Opinion by experience A Lie! ALSO disputes never resolved and continue perpetually. They then brazenly- out of no fear of this CFPB -close the report as similar. Here is the LIE- According to the Fair Credit Reporting Act, you may add a statement to a specific item on your credit report that sets forth the nature of your dispute. The statement will remain on your credit report for as long as the item appears on your report and will display to any potential creditors or employers who receive your credit history. You may prefer to simply explain your specific circumstance when you apply for credit or employment. 



To add a statement, select a commonly-requested statement from the list below. You may also contact us by mail to add a statement written by you or submit your statement electronically at experian.com/upload.THIS IS IT - WHAT THEY GOT THEY ALLOW! 

Delinquency due to natural or declared disaster. 
Delinquency due to extended unemployment. 
Delinquency due to job layoff. 
Delinquency due to divorce proceedings. 
Bankruptcy due to medical bills. 
I suffered bankruptcy due to business while I was self-employed. 
Bankruptcy due to business failure. 
Debtor has successfully completed a voluntary repayment plan of outstanding debts submitted by client and administered by 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 explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Prince Parker & Associates
State: IL

Complaint narrative:
I received a letter from Prince Parker and Associates who is attempting to collect a debt from XXXX XXXX. I have paid XXXX in full when I cancelled my service, but they continued to try to bill me after cancellation, which is what they are attempting to collect on. Prince Parker did not have a right to dispute notice. Despite this, I did send a notice of dispute, along with proof where an XXXX associate stated I will be fully refunded for the amount they were trying to collect from me when I didn't have or use their service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: VA

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I received a voice mail on Friday, XX/XX/2021 from XXXX, NJ, phone number ( XXXX XXXX stating that there was a problem with the credit card attached to my Amazon account. It said the account has been compromised and that someone had purchased a XXXX XXXX for {$1400.00} using a credit card attached to my Amazon card. After checking my credit cards and calling Amazon there was no charge of this type recorded. My though is they wanted to try and get more personal information from me but since I hadn't answered the call and they just left a voice mail they couldn't.

Company response to consumer: Closed with explanation