vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-22 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: TX

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt. 
5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Self Financial Inc.
State: AZ

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for these companies to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify has hurt my ability to obtain credit. Under the FCRA unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : LEAD BANK Account Number : XXXX Charge Amount : {$0.00} Date Opened : XX/XX/year>XXXX  Reason For Dispute : Fraudulent Account, Account Not Mine, Unauthorized, Identity Theft

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
My Capital One Credit card was being phased out ( XXXX ) and they put me into another one, XXXX  ( XXXX ) and trying to pay my bill it tried to force me to validate the card. They say they have sent me a new XXXX card. Unknownst to me my last payment on my Capital One XXXX card validated the XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Possible Financial Inc
State: MO

Complaint narrative:
I pulled my credit report on XX/XX/XXXX and seen some inaccurate and misleading information on my credit repotrs. This company has violated my consumer right under the FCRA. This company has also stated that they written this loan off but i never recieved a 1099C for this and im pretty sure they wrote it off to the IRS. Under 15 USC 1681 ( e ) and 15 USC 1681 ( i ) this company has violated my right and I request that this account be removed from my credit file. 
Account info Account name POSSIBLE FINANCIAL INC. 
Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. {$180.00} written off. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment - Original balance {$190.00} Highest balance - Terms 2 Months Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Current / Terms met 30 Past due 30 days 60 Past due 60 days 90 Past due 90 days XXXX XXXX XXXX Charge off XXXX No data for this period Payment history guide Charge Off as of XX/XX/XXXX, XX/XX/XXXX Collection as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX 90 days past due as of XXXX XXXX  60 days past due as of XXXX XXXX 30 days past due as of XX/XX/XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX still did not send a request to XXXX and Transunion to remove the chargeoff or delete XXXX XXXX from my credit report. Do to the fact XXXX XXXX was beening untrustworthy. Do to the fact I never sent a cease and desist letter to XXXX XXXX never had a chargeoff.

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 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX  still did not send a request to Experian and XXXX to remove the chargeoff or delete XXXX XXXX from my credit report. Do to the fact XXXX XXXX was beening untrustworthy. Do to the fact I never sent a cease and desist letter to XXXX XXXX never had a chargeoff.

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 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX Bank # XXXX, XXXX XXXX  XXXX XXXXXXXX XXXX  # XXXX, XXXX # XXXX, XXXX  XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to Privacy. 15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other then records of convictions of crimes which antedates the report by more then XXXX  years. 15 U.S.C 1681s-2 ( A ) ( 1 ) 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

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 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX  # XXXX, XXXX XXXX  XXXX XXXX, XXXX # XXXX, XXXX # XXXX, XXXX  XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to Privacy. 15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other then records of convictions of crimes which antedates the report by more then XXXX  years. 15 U.S.C 1681s-2 ( A ) ( 1 ) 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

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 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I've contacted Equifax about my credit report being incorrect and unable to do proper disputes online the date on the report wasn't updated and I have called several times, and no one has done anything about. Several accounts have been file for dispute and removed off of my credit file without my permission. I've contacted Equifax many times about this situation, but they told me that there was nothing that they could do about removing of accounts that i never given permission to ever be disputed. They couldn't give me any explanation why they did this to me. Equifax has removed accounts off my credit report that are in good standing, and they refuse to do anything I have been ignored for several months I sent in many documents about the fraudulent things on report and has been disputed many times over and they were moved I'm in the middle of trying to buy house this has been a total nightmare the constant calling, send letter and disputes to get nowhere. I have to XXXX fraudulent accounts that are reporting on my Equifax that i sent several documents to prove the fraud, but no one removes those accounts but accounts that I never gave consent to be disputed were disputed and removed and Equifax does nothing. Equifax is not reporting my new tradelines that report to all the other credit agencies but no of them has reported to Equifax at all I called them ask no one can give me a reason why this is going on I talked to consumer affair and a lot of supervisor no RESOLUTION. PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Since Select Portfolio Servicing bought my mortgage from XXXX XXXX in XXXX, there has been nothing but problems. 

We almost had it all resolved when they sent me a refund check for a payment that was not owed to me. When they did this, they made it look like I made one less payment in the system. I did not cash the check ; instead I sent it back to Select Portfolio Services. They took back that check, but did not re-credit my account for my last payment. Thus, my account continues to appear to be one month behind when it's not. 

I documented all the back and forth with proof from my bank account over a month ago. I've called since then, and they said they would get back to me within a week. Then another 1/2 a week. I still have received no status update, and they continue to charge me late fees even though there is a dispute and I am not late on my payments. 

I have documented the whole issue ( letter and documentation attached ), interaction by interaction, in the attached. After sending this to them at their request, they told me twice that a manager would get back to me within XXXX days. The most recent time I called was 8 days ago ( XX/XX/XXXX ). No one called back. I need this resolved as it's messing up my credit rating and I want to sell my house and buy a new one ( and get rid of this terrible mortgage servicing company ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize

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 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX  XXXX 15 U.S.C 1681 section 602 A. States I have the right to Privacy. 15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other then records of convictions of crimes which antedates the report by more then 7 years. 15 U.S.C 1681s-2 ( A ) ( XXXX ) 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. These are Fraudulent accounts and need to be removed from 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 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Advanced Resolution Services Inc.
State: WI

Complaint narrative:
On XXXX XXXX, 2024, Advanced Resolution Services , INC received a letter from me requesting my consumer report. I sent a copy of my license, social security card, and XXXX XXXX XXXX XXXX bank statement. On XXXX XXXX, 2024, I called Advanced Resolution Services , INC and spoke to XXXX and XXXX who told me I needed to put I don't have a utility bill in my letter in order to receive my consumer report. I informed I did not have a utility bill. My utilities are included. XXXX and XXXX told me I had to say that in my letter. I told them it doesn't say that on their website or on the document that was sent by them. 
I emailed the company and just got a message reiterating a utility bill needs to be sent and need to be mentioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Errorenous reporting that must be REMOVED. It's been over 60 days since XX/XX/year> I sent my dispute and I havent received a response. This must be removed immediately BankruptcyXXXX Status : Discharged Reference # : XXXX XXXX Amount : Date Filed/Reported : XXXX Closing Date : XXXX  : Exempt Amount : {$0.00} XXXXXXXX XXXX Account : XXXXXXXX XXXX XXXX  Account : XXXX XXXXXXXX XXXX Account : XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXXXXXX XXXX Account : 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 non-monetary relief
Consumer complaint received 2024-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Since XX/XX/XXXX, Ive been trying to get PayPal to close a dispute. I initially filed a complaint with my credit card company, which processed the transaction through PayPal. I couldnt dispute the charge until it posted on XX/XX/XXXX, but by then, I couldnt cancel the order or contact anyone, leading me to believe the website was a scam. 

I contacted XXXX, and they confirmed it was a scam ; the site had no contact information or cancellation options. The order was for a pallet of returned goods, which I never received. The tracking number sent XXXX days after the transaction yielded no results. 

My bank determined it was a scam and informed PayPal on XX/XX/XXXX and again on XX/XX/XXXX. PayPal claims they didnt receive this information from my financial institution and wont accept a joint call to the bank. My bank stated they only contact PayPal once per case, despite reaching out twice here. PayPal still says they never received such data, which is false. I provided same data, but PayPal won't accept my information that the bank sent me. 

Now, over 133 days have passed, and I can't get PayPal to remove the dispute from my account after hundreds of calls per their request to call in XXXX, XXXX, 30 days. This just continues. PayPal is deceitful. I've requested, under the California Consumer Protection Act, that they delete my account, but they refuse because they keep this dispute open that clearly my bank has closed in my favor. 

I've had several cases and escalations opened only to get closed and they start some timer again, it's quite the circus. 

Now I believe PayPal is scamming consumers too. I've blocked any payments in or out of this institution. Removed as much of my data as I could, but I can't close the account or get PayPal to delete my data. 

I never want a PayPal account again and will not make any purchases using PayPal. They can blacklist me, which would suit me just fine. I didn't even know I had this account, last used in XXXX, until this situation arose. 

PayPal Case ID : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-22 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX Dispute of Collection Account Whom it may concern, I am writing to formally dispute the validity of the collection accounts referenced below. 

The account numbers are listed below and I believe this debt is not valid due to billing error, account not accurate. 

I request that you review my dispute and verify the debt. Additionally, please cease all collection activities until this matter is resolved. 

Please contact me at XXXX or XXXX should you require any further information. 

Thank you for your attention to this matter. I look forward to your prompt resolution of this dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Dear LVNV Funding LLC, I am writing in response to your letter dated [ XXXX ], regarding the above referenced account. After a thorough review, I find your response to my inquiry lacking in both accuracy and adherence to legal obligations under the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ). I am formally disputing the validity of this debt, and I request that you immediately cease and desist all collection eorts until this dispute is resolved. I have attached the inaccuracies to this complaint in regards to your response to my previous dispute. Again I never received written notification about this debt either.

Company response to consumer: Closed with non-monetary relief