vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-01 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: NJ

Complaint narrative:
I contacted the Equifax, XXXX, XXXX, and XXXX multiple times to correct the errors on my account. All 4 CRAs have violated my consumer rights by reporting inaccurate information and have failed to properly investigate my inaccuracies. Please see the list below : I have filed an FTC report # XXXX. These accounts are not mine and I have never been seen at any of these medical facilities. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX AS ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX AS ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX My car has not been repossessed and having trouble getting a report as proof. 
XXXX XXXX XXXX Repossessions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
PayPal treats their customers horribly! 
I have had a PayPal account for 21 years, since XX/XX/XXXX. In XX/XX/XXXX I was notified that my account was suspended, and all my funds frozen for 180 days, according to PayPal, due to Acceptable Use Policy violation, whatever that means. At that time, I was informed that at the end of 180 days I would get instructions on how to transfer my money out of PayPal. I have filed a complaint with Consumer Financial Protection Bureau, to which PayPal has responded : PayPal will make any remaining funds available to me for withdrawal on or before XX/XX/XXXX, and PayPal will notify me of this via email. 
I logged in to my PayPal account on XX/XX/XXXX and found my balance ( {$270.00} ) was withdrawn by PayPal to zero, due to damages caused by Acceptable Use Policy violation damages. What damages?! I called PayPal and after a significant wait was promptly told by a representative that there was nothing she could do and when I requested to speak to her manager, she told me that the manager would tell me the same thing. When I insisted, she placed me on hold and never came back on the phone. I hung up after about 45 minutes of waiting. Customer service at PayPal is non-existent. 
The bottom line is that PayPal broke their promise and without notification or any legal judgement, PayPal has confiscated all my money. There was never any explanation on what the damages were, I was being charged for. After extensive research, it became apparent that PayPal has been using its policies to justify illegal and fraudulent practices of stealing money from its customers. A reasonable person may see when a breach of user policy may be used to prevent someone from using their service, but to take someones property without a court order or any legal process constitutes theft in any civilized society. No person in their right mind would knowingly do business with PayPal under these circumstances. There are thousands of complaints against PayPal and several class actions suits. What they are doing is wrong and should punishable by law!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: TN

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PRIMARY RESIDENTIAL MORTGAGE
State: MD

Complaint narrative:
My homeowners insurance payments are to come out of my escrow payments made to the mortgage company. In XX/XX/2021, I received notice of cancellation from my insurance company due to the insurance not being paid. I sent an email to the mortgage company along with the notice requesting payment be sent overnight so the insurance would remain in effect. On XX/XX/2021, I received a cancellation notice from the insurance company since the mortgage company did not submit payment. I've since learned that my insurance policy was canceled due to the mortgage company not making the payment from escrow.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am being sued by a collections company ( Midland Credit Management ) for a debt that they purchased, when asked them to validate debt, they sent copies of a statement from original credit card. No actual proof of me owing them the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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: United PanAm Financial Corp.
State: NY

Complaint narrative:
According to 15 USC 1681s-2 UNITED AUTO CREDIT IS REPORTING INACCURATE INFORMATION TO THE CREDIT REPORTING AGENCIES IN VIOLATION OF MY RIGHTS AS A CONSUMER THE LAW 15 USC 1681 s-2 a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

UNITED AUTO CREDIT CONTINUES TO VIOLATE MY CONSUMER RIGHTS BY REPORTING INACCURATE INFORMATION ABOUT ME RUINING MY CONSUMER REPUTATION WHICH CAUSES ME HARM AS A CONSUMER. THEY ARE EVEN REPORTING DIFFERENT AMOUNTS OF ALLEGED DEBT TO DIFFERENT CONSUMER REPORTING AGENCIES. NONE OF THE INFORMATION IS EVEN IN THE SAME HOW CAN THIS BE ACCURATE?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021, XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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: MO

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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: PA

Complaint narrative:
Hello, my name is XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies from the Federal Trade Commissions Identity Theft affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I have a few inquiries that I see on my report that are fraudulent. I have contacted the creditors as well as the Bureaus and the creditors have no accounts with my social in their Data Base. The Bureaus are telling me I need a letter of deletion. The creditors are unwilling to provide these and I need these inquiries removed as they were not initiated by me. XXXX and XXXX will not cooperate XXXX was able to remove two of them that was reporting to them.

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 2021-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have a few inquiries that I see on my report that are fraudulent. I have contacted the creditors as well as the Bureaus and the creditors have no accounts with my social in their Data Base. The Bureaus are telling me I need a letter of deletion. The creditors are unwilling to provide these and I need these inquiries removed as they were not initiated by me. XXXX and XXXX will not cooperate XXXX was able to remove two of them that was reporting to them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: TN

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The AARGON AGNCY ( Original Creditor : XXXX XXXX  XXXX XXXX ) still remains on my credit report in violation of Federal Law. The XXXX and XXXX Credit Bureaus failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. MUST remove this collection account immediately.

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 2021-10-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PlusFour, Inc
State: TN

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I decided to look at my credit reports from the 3 major credit bureaus and found that this PLUSFOUR INC ( Original Creditor : XXXX XXXX XXXX ) was reporting to be negative on 3 Credit Bureaus. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

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 2021-10-01 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX-XXXX-Balance : {$5600.00} - Date Opened : XX/XX/XXXX DPT ED/XXXXXXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX DPT ED/XXXX-XXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX DPT ED/XXXX-XXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX DPT ED/XXXX-XXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX DPT ED/XXXX-XXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX DPT ED/XXXX-XXXX-Balance XXXX {$0.00} - Date Opened : XX/XX/XXXX DPT ED/XXXX-XXXX-Balance : {$0.00} - Date Opened XXXX XX/XX/XXXX DPT ED/XXXX-XXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX DPT ED/XXXX-XXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX DPT  ED/XXXX-XXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX DPT ED/XXXX-XXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX DPT ED/XXXX-XXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX DPT ED/XXXX-XXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX DPT ED/XXXX-XXXX-Balance XXXX {$0.00} - Date Opened : XX/XX/XXXX DPT ED/XXXX-XXXX-Balance : {$0.00} - Date Opened XXXX XX/XX/XXXX DPT ED/XXXX-XXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) -XXXX-Balance : {$550.00} - Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Called creditors with fraudulent inquiries on my report namely XXXX as well as the Bureaus. The creditors do not show any accounts with my name and XXXX will not remove the inquiries. They want the creditors to provide me with a letter which they are stating they can not provide because I do not have an account. I did not apply with XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX or Capital 1 Walmart

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-01 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian continues to report the account as past due and the foreclosure sale happened in XX/XX/XXXX. The property sold at sheriff sale for {$230000.00} and the balance due to the lender XXXX  XXXX was {$160000.00}. I received the difference plus {$7500.00} from buyer for immediate access ( see attached ). In spite of repeated letter and emails to the XXXX  XXXX the account continues to report incorrectly on my Experian credit report. XXXX does not report XXXX and XXXX stopped reporting activity in XX/XX/XXXX. 

Back Story My 14 year marriage ended in XX/XX/XXXX. In the divorce I received the marital property at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. At that time the 1st mortgage was with the XXXX  XXXX in the amount of {$170000.00} in my name alone and entirely my responsibility. 

Unfortunately there was also a second mortgage in my ex husband name only with XXXX  XXXX XXXX for around $ XXXX which he used for business. Although he was ordered by the court to continue to make payments on that second mortgage, in XX/XX/XXXX I learned that the second was in default and that he had completely stopped making payments. Because of fear of foreclosure and also becoming homeless with my XXXX children, I chose to protect my family and purchased another home in XX/XX/XXXX. When I moved I was able to find a tenant to lease the home for $ XXXX/ month for 12 months which allowed me to cover the mortgage, tax payments, and insurance. Once they moved out and the property taxes went up to non-homestead rates I could no longer afford to continue to make payments on the home. 

I was also unable to sell it because of the second lien which was my ex husband 's responsibility. I had no other option than to allow it to foreclose to settle my debt.

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 2021-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: GUARANTEED RATE INC.
State: TX

Complaint narrative:
I did apply a home loan through KBHS home loan ( KBHS ) for a new build property sold by KB home. KBhome required me to have " pre-approval '' through KBHS home loan even later or at the end that I use 3rd party lender for closing. 
As a result, in XXXX I did apply the home loan through KBHS home loan and was approved. They did pull my credit report ( hard pull ) on XX/XX/2021, which I did authorize during the application. 
In XXXX, the house completion date was approaching so I started to shop the interest rate and applied loan with 3rd party lender. KBHS hard pull my credit report on XX/XX/2021, without my consent and without any of my explicit, e-sign, email nor verbal authorization. That was definitely against my will. 
I have home loan and credit cards, but doesn't mean the creditors can pull ( hard pull ) my credit report at any time they like without my consent or authorization. I understand soft-pull is okay. 
In this case, KBHS did not provide the rates nor get my approval before they hard-pull my credit report. If they didn't provide a competitive rate for me to compare, how do I determine I should still go with KBHS and then let them pull the credit report?

Since that was an unauthorized credit inquiry, I request the record of such inquiry should be removed from the 3 credit bureaus as a remediation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Called creditors with fraudulent inquiries on my report namely XXXX as well as the Bureaus. The creditors do not show any accounts with my name and XXXX will not remove the inquiries. They want the creditors to provide me with a letter which they are stating they can not provide because I do not have an account. I did not apply with XXXX XXXX XXXX XXXX, Pentagon FCU, XXXX XXXX or 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 2021-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Tromberg, Miller, Morris & Partners, PLLC
State: FL

Complaint narrative:
To Whom It May Concern : I sent a letter to XXXX XXXX XXXX, receipt number : XXXX, XXXX to formally advise that I believe the company XXXX XXXX XXXX which Tromberg, Morris & Pouling PLLC is representing has violated several of my consumer rights. Specifically : They failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation Not only have they ignored my prior requests for validation of debt ( proof attached : receipt copies or letter copies ) but you continue to report this debt to the credit bureaus causing damage to my character. The letter will again request that you follow the FDCPA and please provide the following : Validation of Debt Request -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that they had a duty to speak but failed to do so therefore, that must mean they agree with me that this debt is false. I will use the Estoppel in my defense.

I expect to receive the proof requested above within 3 days of this complaint before Pre trial Conference on XX/XX/2021. Should they again ignore my request for validation of debt I reserve the right to sue XXXX XXXX XXXX company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted. 

Attached all the documents I sent to XXXX XXXX XXXX Kind regards,

Company response to consumer: Closed with explanation