vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-03 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: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
Portfolio Recovery Associates, in various communications have threatened to harm my credit. 

I notified Portfolio Recovery Associates that they are reporting LATE PAYMENTS on my XXXX  credit bureau. 

Collection accounts can not be reported as " LATE '' This is false and untrue. 

When I communicated to Portfolio Recovery Associates that Collection accounts can not be LATE, they threatened to further harm my credit. 

While this alleged debt has NOT been VALIDATED, and I do not agree it is mine, I did call the Two credit card companies, where the debt buyer, supposedly purchased the debt. 

I wrote Portfolio Recovery Associates, that when I contacted the Two credit card companies, they told me, that for the past 10+ years, they have included ARBITRATION Clauses in all agreements. 

Since that is the case, I have NOTIFIED Portfolio Recovery Associates, that they must INITIATE ARBITRATION, as per the credit card company agreements. 

Portfolio Recovery Associates has REFUSED to initiate ARBITRATION. 

I have contacted the LEGAL DEPARTMENT of Portfolio Recovery Associates, and written that both XXXX  XXXX and XXXX, have the ARBITRATION CLAUSE. 

The CFPB must ENFORCE this immediately. If within 5 business days, Portfolio Recovery Associates refuses on its Mandatory Requirement for ARBITRATION, they must delete all ITEMS from my 3 credit reports. 

I await their reply. I am waiting for them to INITIATE the ABITRATION, or make the deletions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: The Best Service Co.,Inc
State: CA

Complaint narrative:
My name is XXXX XXXX, I came into settlement of the debt to {$9400.00} which I was making every month until their system locked me out without allowing to rreset the account. I called the debt collector to asked what happened and I was told that the lawyer handling my account died and they will get back to me. I never receive any phone call or mail neither email. They went as far as reporting to my employer to garnish my wages, The law offices of XXXX XXXX representing THE BEST SERVICES NEVER CONSULTED ME. The court case is XXXX. XXXX SUPERIOR COURT XXXX XXXX DISTRICT gave a judgement against me without any further or previous consultation with the law firm. They could have contacted me to assign a new person to me to handle the collection of 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 explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: NV

Complaint narrative:
I transfered {$170.00} thru Western Union App international money transfer last XXXX XXXX 2021. It was promised to receive the amount to receiver 's bank account on XXXX 2021. It is XX/XX/XXXX already and the money was still not delivered. I keep tracking but its still not delivered to the said date it was supposed to be received. I call the consumer financial hotline but it keeps me waiting on the line. I am worried of what happened to the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I'm a XXXX XXXX XXXX  using my PayPal Credit account to make a large purchase. 
Amount XXXX Card limit XXXX Available credit XXXX Gym equipment from XXXX XXXX XX/XX/XXXX. 
The transaction was flagged for review to the amount and rejected for " compliance reasons ''. I've requested an explanation of this description but they've failed to provide, they have provided misinformation while troubleshooting, and altogether can't seem to figure out what the issue is. The funds were held for a week while they tried to figure it out. Upon their request, I retried the transaction multiple times. It failed multiple times. Now, the vendor prohibits me from submitting any transactions as a security precaution. 
My gym purchases directly affect my ability to service my clients. Equipment is on back order and rarely in stocks as well. Being unable to submit this transactions reduces my revenue opportunity and places significant delays on an already stressed market.

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 2021-03-03 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX  XXXX Balance : {$5100.00} XXXX XXXX XXXXXXXX Balance : {$3400.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed 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 2021-03-03 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$1000.00} XXXX  XXXX  XXXX Balance : {$5100.00} XXXX  XXXX  XXXX Balance : {$3400.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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

Complaint narrative:
I have filed a complaint due to some fraudulent addresses on my credit file and I never received a proper response from any of the credit bureaus, my current address XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, please delete any other address. 
these addresses are fraudulent, please delete them : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. 
I requested contract validation from the following companies : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX # XXXX, XXXX # XXXX XXXX US DEPT OF eDUCATION/XXXX XXXX XXXXXXXX, XXXX XXXXXXXX # XXXX. This is the 3rd time I have complained about this issue.

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 2021-03-03 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: OH

Complaint narrative:
I have filed a complaint due to some fraudulent addresses on my credit file and I never received a proper response from any of the credit bureaus, my current address XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, please delete any other address. 
these addresses are fraudulent, please delete them : XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX, OH XXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. 
I requested contract validation from the following companies : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX # XXXX XXXX US DEPT OF eDUCATION/XXXX XXXX XXXXXXXX XXXX XXXXXXXX # XXXX. This is the 3rd time I have complained about this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: OH

Complaint narrative:
I WOULD LIKE TO REQUEST A SECURITY FREEZE AND A PIN NUMBER BLOCK FOR ALL MY CREDIT FILE TO DUE SOME FRAUDULENT ACTIVITIES. I HAVE ALREADY FILED A COMPLAINT. MY CURRENT AND ONLY ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX MY DOB XX/XX/XXXX SS # XXXX. THIS CAN BE VARIFIED WITH THE U.S POSTAL SERVIVE. 
THE FOLLOWING FRAUDULENT ADDRESSES NEED TO BE DELETED : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I never gave any written or verbal consent to Transunion, XXXX, or XXXX  to report any information onto my consumer report. I believe if NO consent is given then it is committing identity fraud for furnishing information without my permission pursuant to 15 USC 1681b : Permissible purposes of consumer reports, Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

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 2021-03-03 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: MD

Complaint narrative:
I never gave any written or verbal consent to XXXX, Equifax, or XXXX  to report any information onto my consumer report. I believe if NO consent is given then it is committing identity fraud for furnishing information without my permission pursuant to 15 USC 1681b : Permissible purposes of consumer reports, Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CORELOGIC INC
State: OH

Complaint narrative:
I WOULD LIKE TO REQUEST A SECURITY FREEZE AND A PIN NUMBER BLOCK FOR ALL MY CREDIT FILE TO DUE SOME FRAUDULENT ACTIVITIES. I HAVE ALREADY FILED A COMPLAINT. MY CURRENT AND ONLY ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX MY DOB XX/XX/XXXX SS # XXXX. THIS CAN BE VARIFIED WITH THE XXXX XXXX XXXX. 
THE FOLLOWING FRAUDULENT ADDRESSES NEED TO BE DELETED : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX CT XXXX APT XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX SQ, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH 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 2021-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc.
State: OH

Complaint narrative:
I WOULD LIKE TO REQUEST A SECURITY FREEZE AND A PIN NUMBER BLOCK FOR ALL MY CREDIT FILE TO DUE SOME FRAUDULENT ACTIVITIES. I HAVE ALREADY FILED A COMPLAINT. MY CURRENT AND ONLY ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX MY DOB XX/XX/XXXX SS # XXXX. THIS CAN BE VARIFIED WITH THE XXXX XXXX XXXX. 
THE FOLLOWING FRAUDULENT ADDRESSES NEED TO BE DELETED : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX CT XXXX APT XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX SQ, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. XXXX without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in XXXX ( XXXX ) days to failure to comply with these federal regulations by the FTC XXXX XXXX, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Could not let me speak, asked several times for the amount and told I need to pay right away if not XXXX be sued

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-03 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Company harrasing with calls, asked for info of what this is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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: National Credit Adjusters, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$430.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX Balance Owed XXXX {$580.00} DP OF EDUC XXXX Balance Owed : {$570.00} XXXX XXXX XXXX Balance Owed : {$6500.00} NATIONAL CREDIT ADJUST XXXX Balance Owed : {$460.00} These accounts are involved in litigation and do not belong to me. I never established this accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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: FC HoldCo LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$430.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX Balance Owed XXXX {$580.00} DP OF XXXX XXXX Balance Owed : {$570.00} XXXX XXXX XXXX Balance Owed : {$6500.00} XXXX XXXX XXXX XXXX Balance Owed : {$460.00} These accounts are involved in litigation and do not belong to me. I never established this accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed 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 2021-03-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$430.00} XXXX XXXX XXXXXXXX Balance Owed : {$480.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance XXXX : {$10000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$570.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$580.00} XXXX XXXXXXXX XXXX Balance Owed : {$6500.00} XXXX XXXXXXXX Balance Owed : {$380.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$460.00} These accounts are involved in litigation and do not belong to me. I never established this accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief