vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
This company has sent me these two different documents In response to my CFPB complain # XXXX " in the attached document shows two different companies one I have never heard of until I saw them reporting on my credit. Which means I've never contracted with this company they have nothing with my Pen-indented wet ink signature .... no contract means I owe them nothing they are violating I have disputed this account information as inaccurate ( never lived at the address ), and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 

I enclose copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My consumer rights are being violated. Transunion is creating defamation of my character and effecting my credit worthiness to creditors. I have been denied a job because of a bankruptcy appearing on my credit report. I have been denied loans. In these hard times and all that is going on in the world with covid I don't need this added stress. I have been disputing an alleged bankruptcy with Transunion for the last few months. I have attached a copy of my credit report for all three credit reporting agencies. Only Transunion is reporting this bankruptcy. That's a violation of my consumer rights because all credit reporting agencies have the grave responsibility to report 100 % accurate credit files. If Transunion is the only ones reporting this information then it is not accurate. I have attached a letter from the US Bankruptcy Court which is listed as the furnisher ; the letter states they are not the furnisher and do not report to credit reporting agencies. This bankruptcy must be listed in error and should be removed immediately. Also Transunion do not have a permissible purpose to furnish such information anyway. My rights were violated as soon as it was published for anyone to see because they do not have my written consent to furnish my personal information.

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 2021-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
In XX/XX/2021 I spoke with numerous representatives w/ Navy Federal Credit Union in regards to a credit account. I was seeking the debt validation letter from the company. They told me they did not have that, i proceeded to ask for the original instrument of indebtedness and the young lady expressed to me that they didn't have it because the alleged " contract '' was done electronically. I since have not spoken to them but they have continued to harass and use abusive practices against me through interstate commerce in regards to a debt that has not been validated. I have attached documents to show evidence of these claims, i also enclosed in those documents a debt validation letter to assure the company gets it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paradigm Assets, LLC
State: FL

Complaint narrative:
Debt collector is trying to collect {$1100.00} for an account that was {$500.00} max. The debt is too old to be on my account and they originally agreed to remove the debt. Now they changed the date on the account and are trying to collect more money but you cant even reach these people on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 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: Early Warning Services, LLC
State: FL

Complaint narrative:
Early Warning Services is in violation of numerous consumer rights including 15 USC 1681a ( 2 ) ( B ) and are effectively damaging my consumer reputation. All corresponding documents are attached to this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Upstart Holdings, Inc.
State: CA

Complaint narrative:
I applied and was approved for a loan through XXXXpstart. Pursuant to 15 USC 1692e ( 11 ) Upstart did not communicate in the initial oral or written communication that this was an attempt to collect a debt. Nor that any information would be used in connection with collection of a debt. 

Also pursuant to 15 USC 1692g ( a ), I never received a letter to validate such debt. 

Upstart has continued to violate my consumer rights laws but practicing unfair debt collection practices. They have sent statements that include predatory lending language by giving me deadlines in which I must make payments. 

On XX/XX/21 I received a notice for payment which violates my federal rights. 

In response, I sent over a debt validation letter requesting for Upstart to validate the debts stated, an affidavit of truth which reported the violation of my federal laws, 1 exhibit of violations, and an invoice for the number of violations found in each statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc

Complaint narrative:
Hello I am a user of paypal they said my account is limited and I can not use paypal anymore. They emailed me I violeted rules, when clearly I didn't do anything. Like honestly I didnt do nothing. Many people have this problem in paypal. Now I don't care if I can't use paypal anymore but my concern is how do I get my funds that's still in that account they said I wait for 180 days to get that money. It's my only fund for now. I dont know if PayPal will really email me to claim my funds or they will close my account and run away with my funds. Please help me resolve this. Also I can't contact them by phone or by chatting them in the resolution center. There's no response to them. At first I thought it was a spoof email but it wasn't.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 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: EQUIFAX, INC.
State: OK

Complaint narrative:
Equifax sold my information. I didnt even get a notice that my information was compromised. I had to find out on my own. Then they charged me for credit report and i subscribed to what i thought was credit monitoring. That account has been compromised. XXXX opened account using my info that is connected to two XXXX numbers and each number has two additional accounts associated with each number. Then they didn't protect my personal info at all then selling it on the dark web. Then tp top it off metro by XXXX XXXX swapped me and took over my sell phone getting phishing message all from XXXX customer care. My email is hacked XXXX messenger its outta control. Who ever stole my identity is monitoring my credit and making dispute so i won't find out. Its my credit and i wan na be able to access and use it. They also are trying t get settlement money also. Help me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 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: OK

Complaint narrative:
XXXX sold my information. I didnt even get a notice that my information was compromised. I had to find out on my own. Then they charged me for credit report and i subscribed to what i thought was credit monitoring. That account has been compromised. XXXX opened account using my info that is connected to two XXXX  numbers and each number has two additional accounts associated with each number. Then they didn't protect my personal info at all then selling it on the dark web. Then tp top it off XXXX XXXX  XXXX sim swapped me and took over my sell phone getting phishing message all from XXXX customer care. My email is hacked XXXX messenger its outta control. Who ever stole my identity is monitoring my credit and making dispute so i won't find out. Its my credit and i wan na be able to access and use it. They also are trying t get settlement money also. Help me

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 2021-08-28 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: TX

Complaint narrative:
Ive contact Equifax multiple times about inaccurate inquiries that was not authorized by me and I know according to the fair credit reporting act any things that has not been verified or authorized legally has to be removed The first 1 is XXXX XXXX XXXX cre on date XX/XX/2021 The second is XXXX XXXX on XX/XX/2021 The third is XXXX XXXX XXXX XXXX XXXX # XXXX on XX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
I want my derogatory payment to be financed in my bank I dont know what and how to address it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
A letter was received on XX/XX/2021 by Transworld Systems Inc. requesting validation of debt. They responded with medical records, a DIRECT violation of HIPPA regulations. These documents had procedures and/or medications received. I NEVER signed a HIPPA form authorizing access to any such medical records.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 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: SERVICEMAC, LLC
State: MS

Complaint narrative:
My mortgage lender, Service Mac is reporting my account delinquent during Covid-19 pandemic forbearance.

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 2021-08-28 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: MI

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person. I XXXX XXXX, have created and submitted this dispute solely and only for me. Do not respond stating otherwise. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Should credit bureaus be band from doing business? 

My main concern is that the credit Bureaus seem to be slow in updating my credit score. Their slowness makes it to where my credit scores remain at their lowest. Meanwhile, they continue to bombard me with credit improvement services so they can make money. 
I believe the credit bureaus need to be held accountable for this unscrupulous practice. The credit bureaus need to be made to update consumers ' credit record daily not monthly. 
If the credit bureaus want to remain in the business of keeping credit records of the American consumers, they must held accountable. I make this request because the credit records they keep currently have an impact on the American consumers ' daily life. 
The American consumers make purchase decisions daily. Many of these decisions require an up to date credit report. Therefore, we, the American consumers, should not be made to wait for a monthly report. 

Conclusion The consumer should not be made to suffer because bureaus are not doing their job effectively. They take on the job to keep life changing credit record on the public ; they must provide daily up to date record on the consumers. Did we ask them to keep credit records on us? No

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 2021-08-28 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: NY

Complaint narrative:
I received a copy of my credit report and sent a letter disputing some items that need to be deleted but I have not received a response. According to the provisions of the Fair Credit Reporting Act these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 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: The CMI Group, Inc.
State: SC

Complaint narrative:
On ( XX/XX/2021 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later i have not received a response yet. feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I.C. SYSTEM has been contacting me against my will with no prior written consent. This is an aggressive and illegal debt collection/ tactics. I do not have contract with ic system or any of its affiliates. I have granted ic system to validate proof I owe any debt which they have not and can not. I have sent all communication to ic system with USPS certified mail and green slip return and they have not refuted or rebutted my affidavit, and cease and desist and billing invoice for the Federal laws they violated against me as a consumer. I have put ic system on notice on XX/XX/2021 and XX/XX/2021 with affidavit, cease and Desist and billing invoice and evidence of violations. I gave ic system 30days upon receipt to rebut the documents. Then I sent a notice to XXXX  with 10 extra day to cure the violations. I have been damaged, I feel threatened from this debt collector. I have acted in good faith with ic system notifying that I will pay any debt that can be validated but ic system has continually failed to validate or show proof of any debt or contract. I will continue to enforce my federally protected rights until I get what I want from this situation.

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 2021-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Skrill USA, Inc.
State: NJ

Complaint narrative:
I have been fed up with Skrill I have nearly reached VIP status so I would expect to at least be able to utilize my account without having to complete XXXX ruin my XXXX  day because I added money from my bank account to my Skrill wallet and somehow it triggers to lock my account where I cant access my funds for over 24 hours now and counting, this is all due to no human that work there and everything is algorithm-based so each time I uploaded my documents that they are requesting me to show two debit cards on the bank statement from a transaction that just happened today and expected those transactions to be on the bank statement which ended on XXXX because yes every bank sends out a statement once a month and have you ever heard of a bank statement that shows the debit card numbers? Because it seems they want me to juggle while hopping on 1 foot and saying my ABCs backwards.No I am not being sarcastic what more could I do when I sent them a letter of ownership and verification from XXXX XXXX saying that IMD owner of the two cards ending in XXXX and XXXX so Im being penalized and my money is held up from their Security check because of what money laundering? Are people not supposed to XXXX move the money from one account theres to another that is not laundering or illegal especially when I have verification from the XXXX XXXX they were so quick to do that for me but then Skrill is negligent theres no phone number to call and basically its a slap in the face they keep rejecting my uploads with my bank statements, picture of the debit cards I used to fund Skrill and a letter of ownership but that is not accepted? Why would they put me through so much trouble for no good reason who is this protecting or are they just trying to steal my {$74.00} balance? Im certain that nobody gives a XXXX and they need to be penalized

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 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: CA

Complaint narrative:
In XX/XX/XXXX, I received a copy of my credit report from all 3-credit reporting bureau 's ; XXXX, Equifax, and XXXX. There were collection items on my credit report that were questionable. I reached out to all three bureau 's and disputed these items and asked them to validate this debt, verify this debt and provide me with supporting documentation ( wet ink signature of a contract with my name on it ) or any supporting documentation showing that this debt is mine. The reply back was simply, this debt has been verified. 
In XX/XX/XXXX, I re-disputed these items again, inquiring about methods used to determine that these debts actually belonged to me and to provide any supporting documentation that shows these 3-debts as valid and verified. XXXX  and XXXX  failed to respond to me, failed to accurately and thoroughly investigate and failed to provide me with any supporting documentation.

The FCRA and the U.S. Congress states that the burden is on the credit bureau 's to provide documentation to the consumer that supports their verification and validation findings regarding a debt dispute. Reference : United States Court of Appeals, Third circuit, Jennifer CUSHMAN, Appellant v Transunion Corporation, No. 96-1553. Decided June 09, 1997. I cited this case when sending re-dispute request letters to all 3-credit reporting agencies, yet they have failed to comply. 
In addition, I have received a collection letter from XXXX XXXX XXXX XXXX for a debt that I don't recognize as belonging to me, as I can't recall signing anything or agreeing to anything. They have also failed to respond to my request to send me supporting documents that this debt belongs to me. 
This is negatively impacting my finances and is causing great harm to me. These bureau 's have failed to follow debt dispute procedures. I am the victim of identity theft and having documentation validating and verifying this debt is imperative. These items should be removed when they failed to accurately verify and validate the debt and send me evidence of their findings.

Please allow me the ability to submit my certified letters that included my drivers license, a current utility bill and my social security number so they may help identify me. As well as my certified letter to the collection agency requesting verification, validation and any agreement/contract that identifies the debt as belonging to me.

Company response to consumer: Closed with explanation