vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-27 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: Merchants Adjustment Service, Inc.
State: CA

Complaint narrative:
From the company 's CFPB response I have concluded that they are still presenting false information about my complaint and as a side note this company is openly violating The HIPPA Law. Under the FCRA, unverifiable accounts must be removed within 30 days and if you are unable to provide me a copy of verifiable proof ( i.e proof of the alleged items, specifically the contract, note or other instrument bearing my signature ), you must remove the fraudulent account. I never signed a contract, note, or other instrument bearing my signature. The company can't provide this information because it doesn't exist. Their failure to positively verify these accounts that I disputed on XX/XX/XXXX ( which has been beyond 45 days ago ), has hurt my ability to obtain credit and I desire it to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27 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: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
To whom it may concern, I have sent several time stamped letters to this company requesting my original signed contract that I owe this debt, each time I am just sent back some kind of statement that they claim is mine. Recently when I sent the last request for validation, I received a letter in return that they will no longer be conducting another investigation of my dispute, and stated they will no longer respond to me when the information I have actually requested has not been provided. I would like my original contract binding my signature proving that I owe this debt that they are reporting on my credit. They are also calling from several different numbers on my phone through out the day, Im sure this is a violation of my credit rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27 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: I.C. System, Inc.
State: CA

Complaint narrative:
From the company 's response I have concluded that they are still presenting false information about my complaint. Under the FCRA, unverifiable accounts must be removed within 30 days and if you are unable to provide me a copy of verifiable proof ( i.e proof of the alleged items, specifically the contract, note or other instrument bearing my signature. ), you must remove the fraudulent account. I never signed a contract, note, or other instrument bearing my signature. If the company can provide this information because it doesn't exist. Their failure to positively verify these accounts that I disputed on XX/XX/XXXX ( which has been beyond 45 days ago ), has hurt my ability to obtain credit and I desire it to be deleted 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 2020-12-27 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated
State: OK

Complaint narrative:
Not only did they fail to file my disputes when I submitted them they have been extremely rude and volatile towards me. I called back to check them and that's when I had to resubmit them and they denied them. These charges were blatantly fraudulent. Ordering pizzas in other states and using XXXX pay to someone I don't know. I've spent hours upon hours on hold and speaking with incompetent employees that all give me different answers. I've escalated these charges 3 or 4 times without any investigator calling me to make a determination. Today I found out they closed my escalations because I have failed to provide any more information regarding these charges. Unbelievable ... .How can a company exist with such unethical practices. Not only exist but represents our government assistance. I've never been treated so terribly by a company that is supposed to represent me and my interests. I was the one stolen from and now they've turned their backs on me without my voice being heard. I don't have the exact information in front of me of the dates and amounts but I know 3 pizza deliveries in other states at the end of XXXX I think, a XXXX pay to someone I don't know, and others which I would be happy to gather the information necessary to complete this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
I have two accounts reported by NFCU on my credit bureaus. One credit card account and a loan account. Neither accounts belongs to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: OR

Complaint narrative:
I have been a with US BANK customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payment on the above referenced account XXXX XX/XX/XXXX ). Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payment, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.

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 2020-12-27 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$42000.00}, {$10000.00}, {$240.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$42000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$240.00} -This is not my account. 


-- AUTO LOAN OR LEASE 4. TXXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2020-12-27 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$42000.00}, {$10000.00}, {$240.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$42000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$240.00} -This is not my account. 


-- AUTO LOAN OR LEASE 4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2020-12-27 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$42000.00}, {$10000.00}, {$240.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$42000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$240.00} -This is not my account. 


-- AUTO LOAN OR LEASE 4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
I had just called Credit Collection Services in XXXX to clear up an old dispute from 2018 which they placed with XXXX  in 2018. 
I paid CCS the total amount due and they agreed they would delete it from my credit report. After paying them and having it deleted from XXXX  about three weeks later they contacted XXXX  and reported that I owe them. This was clearly a case of " debt parking ''.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: RI

Complaint narrative:
My name is XXXX XXXX and I am a PayPal user. 

PayPal limited my account since XXXX and they said they will force me to wait for 180 days before they could allow me to have access to my money. 

I accepted it and waited for 180 days. PayPal sent me an email on XXXX XXXX, 2020 that my funds are eligible for withdrawal and they said I could transfer it to my bank. 

When I signed up for a PayPal account, I didn't link a bank account or my debit card to my PayPal account. 

Currently I have {$10000.00} available for withdrawal in my PayPal account but PayPal does not allow me to add a bank account or card to withdraw my funds. 

They said said that after the 180 days I should be able to withdraw, but the 180 days is over and PayPal sent me an email asking me to withdraw my funds but then they don't allow me to link my card or bank to withdraw my funds to. 

I need this to be resolved and for PayPal to allow me to link a bank and a card to my PayPal account and withdraw my funds

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have filed several disputes regarding this account being on my credit report which is hurting my credibility and hurting my ability to obtain credit, Experian has not only failed to respond but blatantly ignored my complaint which has also disregarded the laws to my consumer rights. 

I asked them to validate the validity of this account being 30 days late XX/XX/2019, also sent them a method of verification once there E-oscar system has kicked back and auto response of update to my complaint which I didn't ask for and update. They are housing misleading persona identifiers on my report as well merging my file with others and compromising my profile. 

This account is bein reported late with Experian and XXXX  but on time with XXXX the creditor has sent proof that I am up to date and not late screen shot of error below XXXX  XXXX  Account # : 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 2020-12-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Rosebud Economic Development Corporation
State: AL

Complaint narrative:
I didn't apply for a loan from this company and they keep calling my cell # and sending me emails. I don't want to do business with them. They have a reputation as being Scammers.

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 2020-12-27 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: MA

Complaint narrative:
I have filed several disputes regarding this account being on my credit report which is hurting my credibility and hurting my ability to obtain credit, XXXX has not only failed to respond but blatantly ignored my complaint which has also disregarded the laws to my consumer rights. 

I asked them to validate the validity of this account being 30 days late XX/XX/2019, also sent them a method of verification once there E-oscar system has kicked back and auto response of update to my complaint which I didn't ask for and update. They are housing misleading persona identifiers on my report as well merging my file with others and compromising my profile. 

This account is bein reported late with XXXX and Transunion but on time with XXXX the creditor has sent proof that I am up to date and not late screen shot of error below XXXX  XXXX Account # : 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 2020-12-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I see multiple 30-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
XXXX/XXXX/17 midland funding brought the debt ... it was charge off .. from room place.They start garnishing my check .I lost my job then the harassing phone call started ..The amount they are trying to collect in not the account that was old on the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: TN

Complaint narrative:
Received a communication from a debt collector ( credit management, L.P. ) suggesting that I owe a debt to XXXX cable for {$110.00}. I have not had any communication from XXXX since XXXX of 2020 when our business was closed from an apartment internet service. I owe absolutely nothing to XXXX and I am outraged that they would not only charge me without reason but then fail to communicate any knowledge of this supposed debt to me until I finally receive a notice from a debt collector and see damage to my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-27 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO LOAN OR LEASES 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account.

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 2020-12-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO LOAN OR LEASES 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account.

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