vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I am a victim of identity theft and did not open these accounts. Per The FCRA, accounts which are not demonstrated in clarity to be true, correct, complete and timely must be removed from a credit report.. Since credit bureaus failed to properly investigate and send me evidence of the said responsibility, I demand an immediate removal on the following accounts : 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 2018-10-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
XXXX XXXX is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA.

Account number XXXX in the amount of {$610.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-07 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: VA

Complaint narrative:
After careful review of my credit report, I disputed a public record on my credit file and asked that the credit agency send me information on how this account was verified. I have send two letters requesting this information and all they will send me back is that the item was verified. They have ignored my request and sent back information that is not accurate. They have acted in bad faith and not complied with the Fair Credit Reporting Act. They have sent that I have a derogatory credit status when I have over 11 accounts with 100 % on time payment history. Student loan accounts PAID in full. I have worked hard to improve my credit and if they are not going to keep the file accurate it is Defamation of character, negligent on their behalf.

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 2018-10-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO

Complaint narrative:
Wakefield & Associates ( account # XXXX/ {$1000.00} ) is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA

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 2018-10-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
Portfolio Recovery Assoc ( account # XXXX/XXXX/XXXX/XXXX/ Im the amount of $ XXXX/ $ XXXX/ {$440.00} ) is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
XXXX XXXX is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: MO

Complaint narrative:
XXXX XXXX XXXX is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07 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: GA

Complaint narrative:
On XX/XX/18, I checked my credit reports because I want to make some major purchases soon. I checked and found that Franklin Collection Services had illegally posted a collection account. I have never heard of nor had an account with this company. I have no knowledge of this company nor this debt. I have never had any dealings with them. I never received a letter in the mail that gave me 30 days to validate or dispute this account. I never received a letter stating that I have an alleged debt with this company and owe a balance on that allege account until after I sent them a notarized debt validation letter. Attached is the spreadsheet letter I received from Franklin Collection Services that is not proof that I have an alleged account with them. Again, I have absolutely no knowledge of this account with them. I understand that, under the FDCPA guidelines for collection agencies or me to go further with an account, I need ( 1 ) proof that they are the original holder of this debt and can legally hold me responsible for paying this debt and ( 2 )  contractual proof of obligation or an assignment SIGNED in BLUE ink from an officer from the original creditors corporation that I am supposed to pay them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right to request validation of this alleged debt they say I owe. If I would have gotten anything in the mail from this company before they illegally reported to my credit report, I would have respectfully requested evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay them this debt. Upon them receiving my validation letter, they would have to legally cease from collection calls, letters, and efforts and delete the account from my credit files until they can validate this debt. But again, they have not provided documented and written proof that I am the contractual, signed account holder and I never received such a letter about this account ever in the mail until I sent them a notarized debt validation letter. They have illegally posted and reported this erroneous account to my credit file file without adhering to the FDCPA laws. Im not sure if this a scam or someone is attempting to hack my credit file or not. What I do know is that this company has broken FCRA and FDCPA laws by reporting a false account to my credit report without informing me through mail, email, phone, etc. My credit score has dropped tremendously because of this account. Please help me get his account removed immediately. I'm preparing to sue under the FCRA and FDCPA because of the damages to my credit and other opportunity costs that have to be delayed until this illegal account is removed. Franklin Collection Services XXXX XXXX XXXX XXXX XXXX, MS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Dear Experian, after trying to get this issue resolved with you fr over 3 years you have damaged my credit, i advised Experian that there was inaccurate information on this chapter XXXX causing the judge to dismissed. Experian relied on 3rd party information fromLEXISNEXIS. After years of disputing XXXX has agreed to remove form my credit bureaus. please see attached and removed from my credit file ASAP. i plan to seek legal advise for Experian damaging my credit for 3 years. PLEASE SEE ATTACHED REINVESTIGATION FROM 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 2018-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
On XX/XX/18, I checked my credit reports because I want to make some major purchases soon. I checked and found that XXXX XXXX, XXXX had illegally posted a collection account. I have never heard of nor had an account with this company. I have no knowledge of this company nor this debt. I have never had any dealings with them. I never received a letter in the mail that gave me 30 days to validate or dispute this account. I never received a letter stating that I have an alleged debt with this company and owe a balance on that allege account until after I sent them a notarized debt validation letter. Attached is the letter I received from XXXX XXXX, XXXX that is not proof that I have an alleged account with them. Again, I have absolutely no knowledge of this account with them. I understand that, under the FDCPA guidelines for collection agencies or me to go further with an account, I need ( 1 ) proof that they are the original holder of this debt and can legally hold me responsible for paying this debt and ( 2 )  contractual proof of obligation or an assignment SIGNED in BLUE ink from an officer from the original creditors corporation that I am supposed to pay them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right to request validation of this alleged debt they say I owe. If I would have gotten anything in the mail from this company before they illegally reported to my credit report, I would have respectfully requested evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay them this debt. Upon them receiving my validation letter, they would have to legally cease from collection calls, letters, and efforts and delete the account from my credit files until they can validate this debt. But again, they have not provided documented and written proof that I am the contractual, signed account holder and I never received such a letter about this account ever in the mail until I sent them a notarized debt validation letter. They have illegally posted and reported this erroneous account to my credit file file without adhering to the FDCPA laws. Im not sure if this a scam or someone is attempting to hack my credit file or not. What I do know is that this company has broken FCRA and FDCPA laws by reporting a false account to my credit report without informing me through mail, email, phone, etc. My credit score has dropped tremendously because of this account. Please help me get his account removed immediately. I'm preparing to sue under the FCRA and FDCPA because of the damages to my credit and other opportunity costs that have to be delayed until this illegal account is removed. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, WA 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 2018-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have contacted Trans Union credit reporting twice to remove the balance of {$600.00} being reported by XXXX XXXX XXXX on my credit report. I have ask for an investigation and all documentation from Trans union and XXXX XXXX XXXX. I was sent a notice from trans union that the investigation was complete and the debt is mine. I have not received any detailed documents from trans union about this debt. Trans union is fraudulently reporting this balance of {$600.00} on my credit report.

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 2018-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am a XXXX for the XXXX XXXX XXXX XXXX  and was injured on my job and was unable to make credit card payments for about 3 months due to financial difficulty as a result of my injury. The Months the payments were not made were XX/XX/XXXX, XX/XX/XXXX and XX/XX/2018. 

I did not receive any notification stating that my account had been closed down. I also never knew that there was a certain time frame to dispute those changes that were made to my account. 

I have been a customer with Wells Fargo since I was XXXX years old so about 12 years. I have never had any late payments prior to that Incident. This is now reflecting negatively on my credit score and as a result of that is is making it incredibly difficult to get a good rate when trying to finance my home as rates keep increasing every day. 

I have gone into a branch and no one was able to help me re open my credit card and excuse the late payments due to my specific circumstances. I was told that I only had 19 days in order to dispute the closed down credit card and am unable to have it get re opened. And I was told in the wells fargo branch that I am Unable to get those late charges reversed because my account is closed down. 

I then decided to call Wells fargo customer service on Today 's date of XX/XX/2018. At XXXX XXXX I spoke with someones named XXXX and was also told that I can't re open my credit card after 19 days of it being closed down and I would have to re apply for a new credit card. XXXX did say she would submit paperwork to the credit bureau which would take 1 week and possibly up to 30 days to hear anything back, at which point I asked to speak with a supervisor. 

At approximately XXXX on XX/XX/2018 I spoke with XXXX who is a supervisor and was told that I had 30 days in order to re open my account after it has been closed down which is conflicting information. I am irritated because I was not notified that my account was closed down and that I had time to dispute it. I was advised by XXXX that I should contact a credit repair agency.

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 monetary relief
Consumer complaint received 2018-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
I happened to come across a debit collection after seeing my credit report in XX/XX/XXXX stating that I had a debit with Portfolio Recovery Associates, LLC that was opened XX/XX/XXXX. I filed a depute with XXXX and it was removed from that credit report. After filing the dispute I received a letter from Portfolio Recovery stating In response to your dispute related to the above account Portfolio Recovery Associates, has enclosed additional documentation for your review. Included in that package was a credit card statement which had a balance of {$6800.00}, PRA was stated the balance was {$8000.00}. Also included was a letter stating that this debit was transferred from XXXX XXXX XXXX. ( I never received any communication from XXXX XXXX XXXX ). I  submitted in writing to PRA requesting them to validate this debit by providing name and address of alleged creditor, name on file of alleged debtor, alleged account #, address on file for alleged debtor, amount of alleged debt, date that this alleged debt became payable, date of original charge off or delinquency, was this debt assigned to debt collector or purchased, amount paid if debt was purchased, commission for debt collector if collection efforts are successful, a copy of the agreement with your client that grants Portfolio Recovery Associates, LLC the authority to collect this alleged debt, a copy of any signed agreement debtor has made with Portfolio Recovery Associates, LLC, or other verifiable proof debtor has a contractual obligation to pay Portfolio Recovery Associates, LLC, a  copy of any agreement that bears the signature of debtor, wherein I agreed to pay Portfolio Recovery Associates, LLC. In response, PRA again sent me copies of old statements. I then sent them a second letter informing them that this was not validated according to my request to please submit the initial requested validation information requested. Again, I was sent some more copies of old statements. My request from them was not answered. I asked for proof that the debit was mine, did PRA have the right to collect it and a signed contract between myself and PRA, which was never provided. Then I receive this letter stating if we continue to receive subsequent correspondence from you regarding a dispute that has already been resolved, we will consider your inquiry answered. No further replies will be forthcoming unless you provide the information we need to assist you. Our office considers this matter closed. How can this matter be closed when PRA did not provide me with the requested information regarding validation? The letter sent was very intimidating, making feel like I dont have the right to request validation under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have contacted XXXX XXXX credit reporting twice to remove the balance of {$600.00} being reported by XXXX XXXX XXXX on my credit report. I have ask for an investigation and all documentation from XXXX XXXX and XXXX XXXX XXXX. I was sent a notice from XXXX XXXX that the investigation was complete and the debt is mine. I have not received any detailed documents from XXXX XXXX about this debt. XXXX XXXX is fraudulently reporting this balance of {$600.00} on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07 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:
In my Equifax credit report, only SSN, XXXX account and one of the addresses are mine, others belong to another person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
My capital one credit card was recently subject to multiple cash withdrawals, without my authorization. Each instance of theft also incurred a {$10.00} cash advance fee. I received a refund for all charges, except for over {$300.00} in advance fees. I recently received a letter stating case closed and have called on multiple occasions stating they will get to it. It has been over a week now.

Company response to consumer: Closed with monetary relief