vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
On our around XX/XX/XXXX I obtained my credit reports and noticed collections that I believe to be incorrect of not mine. Upon these findings I requested proof of debt, I reminded them they were contacted on or around XX/XX/XXXX that I had been a victim of fraudulent use of my SS # and/or credit cards. I wrote LVNV and Resurgent Capital in regards to the {$2200.00} that they claim I owe them. On XX/XX/XXXX I sent my first letter requesting viable evidence bearing my signature to LVNV/Resurgent Capital to verify this was indeed my debt and I am legally obligated to pay LVNV and/or Resurgent Capital Services. Per the Fair and the Fair Credit Reporting Act they are required to provide " validation '' upon my request. The validation must include, but not limited to " competent evidence bearing my signature, showing that I have, or ever has, some contractual obligation to pay them. If they could not provide me this evidence they must delete from my credit report and immediately stop collections. 

After the fist letter I sent referenced above I received a letter back saying they have investigated the account and found it to accurate, yet failed to provide any requested and required documents. I responded, XX/XX/XXXX stating they failed to provide the required documents. The XXXX again responded by sending another letter saying the debt is valid, and included a statement of the account, no signature, again none of the required docs. I responded XX/XX/XXXX stating they still have not provided adequate evidence proving this was indeed my debt, or the entire debt was mine, I have no idea. I also responded XX/XX/XXXX to another letter send by Resurgent on behalf of LVNV that had demanded payment and said everything has been verified. This is untrue, nothing has been " legally '' verified, and I have given 4 months in good faith asking them to please get this right, and provide the signed contract, and to please explain the process of verification, along with whom verified the account incase I had questions. Not once did they comply with the FCRA & FDCPA ( included violations, but not limited to FCRA sec XXXX, FDCPA sec XXXX ) guidelines set to protect consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: RANLife, Inc.
State: CA

Complaint narrative:
Ranlife changed my loan number and messed up the record keeping of payments in XXXX. Subsequently due to general negligence their original servicer XXXX reported lates, then Ranlife reported lates through the new servicer XXXX. 

We had no lates in XXXX or XXXX, My bank actually shows additional payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
Hello, The card was used for the payment of an enterprise car rental back around XXXX  yrs ago, I made the complaint with the store they said that they will provide me the credit never happen I decide to contact my XXXX  XXXX credit card and dispute the charge and after their investigation, the payment was back to me. Now after almost 5 yrs I decide to check my credit score and looks like the XXXX  sent me to the collection and I was never informed to a company Caine & Weiner XXXX XXXX ) XXXX XXXX I call and is over 3 months and they still don sent me an official letter explaining the outstanding balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Consumers Inc
State: VA

Complaint narrative:
This collection Agency is reporting to ( XXXX  ) on my consumer credit report that a debt is owed to them. The debt is entirely inaccurate and incomplete and as such, represents a very serious error. I have not received any communications regarding this debt from this company, or an opportunity to dispute the validity of this debt. This company is in violation of the FDCPA section 807 violation Misleading false reporting. This account is inaccurate and I am seeking litigation, please delete at once. Their negligence has caused me distress and is hampering my ability to obtain credit and housing.

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 2021-04-03 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: CA

Complaint narrative:
There are XXXX accounts on my credit report that are not mine I have been disputing these since XX/XX/2020 I have not receieved anything back from the bureaus regarding this I have filed an FTC and still nothing back from the furnishers or the bureaus I need this resolved asap. This is not ok to be dragged around like this for someone elses mistake. 

XXXX XXXX XXXX - Acct # XXXX {$1400.00} XXXX XXXX XXXX - Acct # XXXX XXXX {$0.00} XXXX -Acct # XXXX {$0.00} XXXX - Acct # XXXX XXXX {$0.00}

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 2021-04-03 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:
There are XXXX accounts on my credit report that are not mine I have been disputing these since XX/XX/2020 I have not receieved anything back from the bureaus regarding this I have filed an FTC and still nothing back from the furnishers or the bureaus I need this resolved asap. This is not ok to be dragged around like this for someone elses mistake. 

XXXX XXXX XXXX - Acct # XXXX {$1400.00} XXXX XXXX XXXX - Acct # XXXX XXXX {$0.00} XXXX -Acct # XXXX {$0.00} XXXX - Acct # XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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: DISCOVER BANK
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. 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 contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
I got a loan with the company name Oportun. In XX/XX/XXXX. I made my payment I was able to gather the money in XX/XX/XXXX to pay the rest of the loan. I called made the last payment received a confirmation via email which I have proof. I also received a letter from them dated XX/XX/XXXX that my account was successfully paid in full. Now, as of today XXXX, XXXX, XXXX I received a call from Oportun stating I owe the company an extra XXXX dollars in interest because lack of pay. That my payment was bounce back and earn interest and now I owe them more money. Based on my confirmation letters and email I was sure I did not owe any more money. 
I try negotiating that I will definitely pay the amount owe at the time we agreed but I will not pay the interest due to their mistake. They want to force me to pay interest on the loan I was given confirmation that it was paid off. I need help on be clear on my rights and laws. This company has several complaints against them for this type of issues. Where they try to come back and charge more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: UT

Complaint narrative:
Hello, to whom it my concern my name is XXXX XXXX XXXX consumer ). I am A federally protected consumer ; I would like to thank you for the opportunity to address my concerns regarding third parties Midland Credit Management Inc ( mcm ) ( Debt collector ) Charged Off by XXXX XXXX XXXX XXXX XXXX XXXX My account Original Account Number is XXXX or XXXX. MCM has infringed upon my rights to privacy under the Fair debt Reporting Act 15 U.S.C. 1692 ( a ) I ( consumer ) Have notice MCM was furnishing allegation of an alleged debt for {$590.00} to the consumer reporting agency without the prior consent. I would like to ask how my location information was gotten, and who provided you consent to communicate with I ( consumer ) This debt collector was not given prior consent from me to communicate with me in connection with the collection of any debt, which I would like MCM to provide me my writing consent of such action. If request can not be provided this will be direct violation of 15 U.S. Code 1692c ( a ). During the initial communication debt collector was not confirming location information instead they have accused me ( consumer ) of alleged debt which is under federal violation of 15 usc 1692b ( 1 ) ( 2 ) MCM has harassed me to coerce payment on a debt, they have advertised to me which has ruin my reputation. Is a violation of 15 usc 1692d ( 4 ) This MCM ( Debt collector ) has use deceptive and unfair mean to collect debt from me not permitted by law is a violation of 15 usc 1692f ( 1 ) I have disputed the validated of this debt to MCM ( debt collector ) which they have removed off my consumer report. I the original creditor im requesting Actual and statutory damages brought by Defendant Midland Credit Management Inc For violating the FAIR DEBT COLLECTION PRACTICE ACT, 15 U.S.C 1692 et seq Which prohibits debt collectors from engaging in abusive, deceptive, and unfair debt collection practices This is a violation of 15 usc 1692g ( 5 ) .I request All further collection efforts against I ( XXXX ) with regard to the accounts, any negative credit reporting be removed of any database. in addition, to the damages I'm requesting XXXX XXXX XXXX  ( XXXX ) to settle. If this offer is not accepted, my next step will be taking this case to legal proceeding to litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I reviewed a copy of my credit report and the following companies ran an unauthorized credit inquiry on me on : 1. XXXX  XXXX XXXX-Date of Inquiry XX/XX/XXXX 2. XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX 3. XXXX  XXXX Date of Inquiry XX/XX/XXXX 4. XXXX Date of Inquiry XX/XX/XXXX 5. XXXX XXXX Date of Inquiry XX/XX/XXXX 6. XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX 7. XXXX  XXXX- Date of Inquiry XX/XX/XXXX 8. XXXX/XXXX- Date of Inquiry XX/XX/XXXX I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.

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 2021-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Hello, to whom it my concern my name is XXXX XXXX XXXX consumer ). I am A federally protected consumer ; I would like to thank you for the opportunity to address my concerns regarding third parties XXXX XXXX XXXX XXXX ( XXXX  ) ( Debt collector ) Charged Off by Capital one Capital One Financial Corp. My account Original Account Number is XXXX or XXXX. MCM has infringed upon my rights to privacy under the Fair debt Reporting Act 15 U.S.C. 1692 ( a ) I ( consumer ) Have notice MCM was furnishing allegation of an alleged debt for {$590.00} to the consumer reporting agency without the prior consent. I would like to ask how my location information was gotten, and who provided you consent to communicate with I ( consumer ) This debt collector was not given prior consent from me to communicate with me in connection with the collection of any debt, which I would like XXXX  to provide me my writing consent of such action. If request can not be provided this will be direct violation of 15 U.S. Code 1692c ( a ). During the initial communication debt collector was not confirming location information instead they have accused me ( consumer ) of alleged debt which is under federal violation of 15 usc 1692b ( 1 ) ( 2 ) XXXX  has harassed me to coerce payment on a debt, they have advertised to me which has ruin my reputation. Is a violation of 15 usc 1692d ( 4 ) This XXXX  ( Debt collector ) has use deceptive and unfair mean to collect debt from me not permitted by law is a violation of 15 usc 1692f ( 1 ) I have disputed the validated of this debt to XXXX  ( debt collector ) which they have removed off my consumer report. I the original creditor im requesting Actual and statutory damages brought by Defendant XXXX XXXX XXXX XXXX For violating the FAIR DEBT COLLECTION PRACTICE ACT, 15 U.S.C 1692 et seq Which prohibits debt collectors from engaging in abusive, deceptive, and unfair debt collection practices This is a violation of 15 usc 1692g ( 5 ) .I request All further collection efforts against I ( XXXX ) with regard to the accounts, any negative credit reporting be removed of any database. in addition, to the damages I'm requesting XXXX  XXXX XXXX ( XXXX XXXX to settle. If this offer is not accepted, my next step will be taking this case to legal proceeding to litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. 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 contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 2021-04-03 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: CA

Complaint narrative:
There are 3 accounts on my credit report that do not belong to me I need these accounts off my credit report I have been disputing these since XX/XX/2020 and no answers back nothing from the bureaus or the companies that these accounts are from. 

XXXX XXXX - Acct # XXXX {$7400.00} XXXX/XXXX  - Acct # XXXX {$2500.00} XXXX XXXX XXXX - Acct # XXXX {$810.00}

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 2021-04-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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: CA

Complaint narrative:
There are 3 accounts on my credit report that do not belong to me I need these accounts off my credit report I have been disputing these since XX/XX/2020 and no answers back nothing from the bureaus or the companies that these accounts are from. 

XXXX XXXX - Acct # XXXXAmt {$7400.00} XXXX - Acct # XXXXAmt {$2500.00} XXXX XXXX XXXX - Acct # XXXXAmt {$810.00}

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 2021-04-03 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:
There are 3 accounts on my credit report that do not belong to me I need these accounts off my credit report I have been disputing these since XX/XX/2020 and no answers back nothing from the bureaus or the companies that these accounts are from. 

XXXX XXXX  - Acct # XXXXAmt  {$7400.00} XXXX - Acct # XXXXAmt {$2500.00} XXXX XXXX XXXX - Acct # XXXXAmt {$810.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I reviewed a copy of my credit report and the following companies ran an unauthorized credit inquiry on me on : 1. XXXX Card- Date of Inquiry XX/XX/XXXX 2. XXXX XXXX XXXX- Date of Inquiry XX/XX/XXXX 3. XXXX XXXX XXXX- Date of Inquiry XX/XX/XXXX 4. XXXX XXXX- Date of Inquiry XX/XX/XXXX I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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: Synovus Bank
State: CA

Complaint narrative:
I declared bankruptcy inXX/XX/XXXX. I just saw on my credit report that First Progress credit card is reporting on XX/XX/XXXX the card usage is 64 % and the balance is {$190.00}. This just appeared now and my credit score plummeted by 60 points. I don't understand how this could be, how a closed card can show usage. I called them and the rude operator kept telling me to contact my bankruptcy lawyer. I don't even remember who they were.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX RABBIT XXXX XXXX XXXX XXXX FL XXXX DOB XX/XX/1973 SS XXXX I pulled up a copy of my credit report and seen there were some accounts that are not mined and will need them removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity.. The following accounts in dispute are listed below : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX I am also requesting my name, address, and telephone number updated and remove any other names, addresses, and telephone numbers that do not belong to me please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX VIA XXXX UNIT XXXX, XXXX, FL XXXX, XXXX XXXX XXXX XXXX, XXXX HEAD MD XXXX. 
My current and only address are XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. PLEASE REMOVE ALL ANY ALL OTHER ADDRESSES.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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:
Cfpb I cant get a mailed response from this credit agency after sending several complaints. I call and sometimes get through after holding 1hr 10 min, get disconnected and other times be told I have to mail in my complaint or use their website and get error messages of all sorts. Furthermore, I feel these kinds of issues is to discourage me from enacting my rights under federal law.

Company response to consumer: Closed with explanation