vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
Notice, it is a fact, affiant is aware medical information furnished about the consumer can not include the consumers, age, gender, demographic, residence, or any other information that does not relate to the physical, mental, or behavioral health or condition of a consumer. Pursuant to 15 U.S.Code 1681a ( i ) ( XXXX ) this medical collection, is a violation and must be removed ( see attached files ). I demand to see a receipt of this debt purchase because affiant is aware that CREDIT CONTROL CORP is a debt buyer. Notice it is a fact that I am a federally protected consumer, as such I have the right to privacy. Notice it is a fact that my federally protected rights have been violated. Notice, it is a fact, affiant is the consumer, in fact and I, the affiant am legally refusing to pay this debt. I am demanding a cease and desist of all illegal activity, any communication and collection activity, including reporting which constitutes collection activity, of this and any alleged debts until you can provide me with the requested information in the affidavit herein. Notice, it is a fact, in accordance with 15 U.S.Code 1692c ( d ), I, the affiant, consumer in fact, is invoking their administrator and executor status over this matter and is of the age of majority. It is also a fact CREDIT CONTROL CORP is a corporation and is always considered a minor. Corporations who are considered minors have no legal standing or jurisdiction. Notice, it is a fact, affiant is aware, in the head of the agency involved in the collection of debts or collection activity when they perform any of the following conduct ; administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to credit reporting bureaus, garnishing wages, and litigation or foreclosure. If COMPANY NAME has filled out a 1099c form and is continuing any of these activities they have committed tax fraud and should be reported to the IRS for a fraudulent financial gain

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 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: FL

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED ACCOUNTS THAT ARE DREOGATORY, WHICH CONTINUE TO REMAIN ON MY CREDIT REPORT. THESE ACCOUNTS NEED TO BE REMOVED EXPEDITIOUSLY AS THEY ARE CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2021-12-18 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: FL

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED ACCOUNTS THAT ARE DREOGATORY, WHICH CONTINUE TO REMAIN ON MY CREDIT REPORT. THESE ACCOUNTS NEED TO BE REMOVED EXPEDITIOUSLY AS THEY ARE CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED ACCOUNTS THAT ARE DREOGATORY, WHICH CONTINUE TO REMAIN ON MY CREDIT REPORT. THESE ACCOUNTS NEED TO BE REMOVED EXPEDITIOUSLY AS THEY ARE CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2021-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Navient Solutions, LLC.
State: OK

Complaint narrative:
XX/XX/XXXX Pioneer Credit Recover , Inc had sent me a letter. I received this letter on XX/XX/XXXX. This letter was a notice of intent to garnish wages from the employer under the condition that I do not have a plan. I made a {$55.00} payment through XXXX  's bill pay feature to make a statement and then contacted the company and left a callback number. On XX/XX/XXXX the company tried to tell me that I have to make another payment by the XXXX to have a plan. 

This is a form of hazing. I have a plan. They can not collect my wages or my taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
While reviewing my credit report I noticed this issue is still on my credit report. This account doesn't belong to me. I would like this removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian never responded to my dispute and it was back in XXXX. I sent them a second letter referencing the first one still no answer it's been way pass the 30 days Please have them delete this account. thanks

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 2021-12-18 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: IL

Complaint narrative:
I have already submitted a report via the CFPB and Equifax responded that they " did an investigation and will mail the results. '' However, none of my information was corrected, I never received a follow up, and they actually mailed information to the wrong address under my previous name. The prior complaint is as follows : I've been trying to contact equifax for over a year now to correct my credit information. I had a legal name change in XX/XX/2020 and I contacted them when they were causing issues with incorrect information beginning XX/XX/2020. They required I send in documents which I sent my ID, social security card, proof of address, and legal name change court document. I sent XXXX copies of these documents 2 times and they claimed they never recieved them in the mail. I called and they claimed I could fax the information so I faxed it 4 times and they claimed they only recieved XXXX copy. Finally they said I had to verify my account information and they unlocked my account which they never told me was locked, I was just unable to login. I finally am able to access my account and they aren't reporting my accurate legal name nor my credit accounts correctly. I've called over 20 times and most of the time I get a very rude customer support representative, who doesn't speak XXXX well, and will start using my old incorrect name when they learn I've had a legal name change.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 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:
XX/XX/2021 Certified Affidavit Sent to XXXX XXXX XXXX XXXX XXXX and Demand for Removal XX/XX/2021 Requested Response Letter Sent to Bureau Follow Up on Demand for Removal XX/XX/2021 Final Follow Up and Response Requested and Demand for Removal XX/XX/2021 Legal Action Notification and Demand for Response My name is XXXX XXXX. I am speaking on behalf of myself and no one is speaking for me. I have contacted via certified mail Equifax and XXXX on XXXX separate occasions with no response or removal. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 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: TX

Complaint narrative:
To Whom it may concern, I am informing you of serious FCRA violations that have been conducted by Transunion in reference to my personal credit file. There were unauthorized inquiries made on my credit report. I formulated a dispute letter directed to Transunion outlining my concern for this matter. I requested an investigation into the unauthorized inquiries in which I never made. I asked for supporting documentation to solidify any legal reasoning for them to report these entries to my credit file, and if it no positive evidence materializes, remove the inquiries from my report. No investigation was ever conducted, as Transunion never responded to my request. The certified letter was delivered to : Transunion XXXX XXXX XXXX XXXX XXXX XXXX The certified mail was signed for by XXXX XXXX XXXX XX/XX/XXXX at XXXX a.m. with XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX. As I am writing this complaint, today is XX/XX/XXXX, which is 7 days past the FCRA legal threshold that a credit reporting agency has to respond to a consumer dispute ; per FCRA the inquiries must be removed from my credit file. Transunion never responded nor did they remove the inquiries. My latest report from XX/XX/XXXX continually reflects the unauthorized inquiries. These are violations of the 15 U.S.C. 1681s-2 ( b ) -Obligations To Investigate, and FCRA S611 ( 15 U.S.C S1681I ) - Procedure In Case Of Disputed Accuracy. I have attached all supporting documents to this complaint.

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 2021-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
The XXXX XXXX XXXX XXXX has granted me administrative rights to the Estate of XXXX XXXX XXXX, deceased, who is my older brother. 
XXXX XXXX XXXX passed away on XXXX 2020. Improper ATM withdrawals were made from XXXX XXXX XXXX 's Chase bank accounts on XXXX ( XXXX ) XXXX and XX/XX/2020, a total of XXXX transactions equaling {$6600.00}. The transactions were subsequently deemed improper by Chase Bank. 
I am respectfully requesting that Chase Bank positively identify the perpetrator of these illegal acts through video footage or by other means available.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I sent letters to all XXXX credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 31 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2021-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I bought something and I returned it back because item was not as described and I did not receive my money back. Now I'm out of my money and item. This is crazy... .I need my money back!!!! It's been more than a month since this happened and when I called customer service, they were giving me a runaround and kept wasting my time! Now I'm looking for an option to sue PayPal for this XXXX XXXX and not taking responsibility to cover buyer protection!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 31 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 31 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2021-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Several fraudulent charges were posted to my bank account with XXXX : All transactions had same descriptions '' Realtime transfer to xxxxxx '', but were posted on a different dates/amounts XXXX {$990.00} XXXX {$990.00} XXXX {$1900.00}, {$1900.00}, {$990.00}, {$990.00} XXXX {$350.00} On XXXX we have discovered this, filed the claim on XXXX. 
On XX/XX/XXXX bank have posted temporary credit XX/XX/XXXX received the notice from the bank stating our claim is denied and money will be taken back. Reason : transactions were authorized. 

we have explained to the bank rep that we never authorized these transaction and were not aware of it until we saw the account was drained on XXXX. Bank doesn't want to provide any other information. We truly didn't authorized these charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-18 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: AL

Complaint narrative:
XX/XX/2021 Certified Affidavit Sent to Bureau Proof of Identity Theft and Demand for Removal XX/XX/2021 Requested Response Letter Sent to Bureau Follow Up on Demand for Removal XX/XX/2021 Final Follow Up and Response Requested and Demand for Removal XX/XX/2021 Legal Action Notification and Demand for Response My name is XXXX XXXX. I am speaking on behalf of myself and no one is speaking for me. I have contacted via certified mail XXXX and Transunion on 4 separate occasions with no response or removal. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts.

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 2021-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.

Complaint narrative:
On XX/XX/2021 In my Coinbase wallet I converted approximately 80000 usd worth of poligon ( matic ) and I got back approximately half the amount in wluna. I lost around 40000 usd for no reason. The fee I agreed to pay was 6 Luna. On my message complain to Coinbase it seems I can not find my right. Below is the poligonscan address XXXX Can you please help? 
Is there any law firm that takes cases like this? 

I appreciate your help XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
My Student loans ( only two ) and tuition was paid 100 % prior to my completing XXXX Program while I attended XXXX XXXX XXXX XXXX XXXX ), XXXX, XXXX, by my former employer, XXXX XXXX XXXX XXXX XXXX As we're 2 of my classmates/coworkers, who all 3 if us had same job Title, XXXX XXXX  XXXX XXXX XXXX XXXX  of Jail Inmates. 

If you look back on My previous complaints, you will see that my college, XXXX is hiding behind XXXX XXXX XXXX, AES/PHEAA . And XXXX, US DEPT OF ED DEBT RESOLUTION All of which were directly Contacted by XXXX, XXXX XXXX, ID # XXXX, while she was on phone with me. She contacted both XXXX, and AES/PHEAA and directed both Loan servicers to cancel these loans due to ERRORS, and return any and all payments made/intercepted from me. And she forwarded these loans to the NSLD DIRECTOR TO REVIEW. 


Neither AES/PHEAA, OR XXXX has complied with NSLD ombudsmen request as of today. 

I have been in contact with my school, XXXX, financial office VP, and XXXX XXXX, who is the lady that actually made the original error of putting my classmates Loan documents into my file, which resulted in my name placed on my classmates loans. I suggested they do the right thing and cancel these loans, and I find it impossible to believe my college university has no record of any payments made by XXXX XXXX, my former employer paying my and 2 of my classmates tuition 100 %. I call XXXX. 

Which is why XXXX may have no record of any Tuition paid directly to them, I know my former employer does have a record of paying it which is why I contacted them last week and they are searching their accounts payable, etc. And getting back to me this week when they find the proof of paying. 

Which if XXXX, AES/PHEAA, XXXX, US DEPT OF ED DEBT RESOULTION still has a short time to do the right thing or wait until they I have undisputable proof that will shed a bad light on all these Student loan agencies and my college collaborated to defraud students and force students, USAF Veteran , currently XXXX, to pay off fraudulent student loans. 

Knowing the original Lender XXXX XXXX has no record of ever giving a student loan to me, or anyone with my ssn # .nor does original loan Guarantor, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/2021 Certified Affidavit Sent to Bureau Proof of Identity Theft and Demand for Removal XX/XX/2021 Requested Response Letter Sent to Bureau Follow Up on Demand for Removal XX/XX/2021 Final Follow Up and Response Requested and Demand for Removal XX/XX/2021 Demand for Response Letter My name is XXXX XXXX. I am contacting you on behalf of myself and no one is speaking for me. I have contacted via certified mail XXXX, Experian, and XXXX on 4 separate occasions with no response or removal. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts. 

-Attached is identification and Affidavit

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