vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-09 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Investment Retrievers, Inc.
State: SC

Complaint narrative:
Complaint Regarding Violation of Consumer Rights by Collection Agency [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir/Madam, I am writing to formally complain about the actions of [ INVESTMENT RETRIEVER ], which has been engaging in practices that violate my consumer rights as outlined in federal regulations and the Fair Debt Collection Practices Act ( FDCPA ). 

I wish to bring to your attention the following violations by [ INVESTMENT RETRIEVER ] : 1. Despite the requirements set forth in 12 CFR 1006.34 ( b ) ( 5 ), the collection agency has failed to provide validation information for the debt they placed on my consumer report. This action has resulted in inaccurate and misleading information being reported about me.

2. I have not been afforded the opportunity to dispute the account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ). The collection agency has neglected to provide me with the necessary procedures to challenge the debt and provide supporting documentation.

3. The collection agency is violating my consumer rights through the use of false, misleading, and deceptive means in their debt collection practices. These actions are not only unethical but also unlawful under federal regulations such as 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). 

In my dispute letter to the collection agency, I have made the following requests : - I dispute owing any and all debts to the collection agency. 
- I revoke all rights for the collection agency to communicate with me via email, text, or phone calls. 
- I request debt validation for the purported debt. 
- I request the purchase agreement between the collection agency and the original creditor. 
- I request proof of the collection agency 's licensing and bonding. 

I have attempted to resolve these issues directly with the collection agency, but they have been uncooperative and non-compliant with my requests. Therefore, I am seeking the intervention of the Consumer Financial Protection Bureau to investigate this matter and ensure that my rights as a consumer are protected. 

I kindly ask that the CFPB investigate the actions of [ Collection Agency 's Name ] and take appropriate measures to ensure their compliance with consumer protection laws and regulations. 

Thank you for your attention to this matter. I look forward to a prompt resolution and response from the Consumer Financial Protection Bureau. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Name : XXXX XXXX XXXX : XX/XX/XXXX Email : XXXX Phone # : XXXX XXXX XXXX XXXX Dispute I purchased a service from XXXX that was not fully provided. The service was for teeth straightening and would include physical aligners, dental checkups, a dentists oversight, retainers, refinements, and additional aligners as needed. I signed up for this service in XXXX of XXXX. They Initially gave me a 6 month treatment plan. After finishing all the aligners, my teeth were still extremely crooked. They were nowhere near straight. They had guaranteed me that my teeth would be completely straight in the end. After showing them my teeth were still extremely crooked, they made me an appointment in store for a rescan. They rescanned my teeth and sent me more aligners XXXX XXXX weeks later this is what they call a touch up or refinements. I did this over XXXX more times with them for the next 3 years. On XX/XX/XXXX I was approved for another touch up because my teeth still werent straight. They had emailed me stating they were making me more aligners. They also gave me a short video which is called the smile journey, it shows what my teeth look like now and how they will look after going through all the aligners. Some time had passed and I never heard from them, then they sent me an email saying they were closing and they would not send my aligners. I have not been able to reach a single person by phone, email, or through their website. My teeth are still crooked and XXXX did not honor their guarantee to me. They are not sending me any more aligners, I never received my final retainers because my teeth are still crooked, I have no way of getting dental checkups and there is no more dentist oversight. Please see the attached files as evidence. 


CITI HAS REFUSED TO HELP ME, THEY HAVE GIVEN ME THE RUNAROUND FOR A MONTH. ONE PERSON TRASNFERRING ME TO THE NEXT ITS RIDICULOUS.

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 2024-07-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I am not liable for this debt with XXXX XXXX, they did not provide me with the original contract as I requested.

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 2024-07-09 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: TX

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-07-09 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX VERIFICATION OF DEBT REQUEST RE : Alleged debt in the amount of {$950.00} Dear XXXX, After reviewing my consumer report, I have some concerns about the validity of your reporting.

This letter is being sent to you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( a ) and ( b ).

I am hereby disputing this alleged debt, invoking my rights under the FDCPA, FCRA, and any other applicable state laws as well.

Request is hereby made that XXXX XXXX XXXX  and XXXX provide me with clear and convincing evidence ( i.e., original contract bearing my wet ink signature ) that I have a legal obligation to pay you and or the original creditor for the amount in dispute. 

Accordingly, please provide me with a complete accounting of the alleged debt XXXX XXXX XXXX claims I owe within thirty ( 30 ) days of your receipt of this correspondence. This proof must include and is not limited to : The original complete and signed contract proving that I have any obligation to XXXX XXXX XXXX for the alleged debt obligation which is the subject matter of this dispute. 

An itemized breakdown of what XXXX XXXX XXXX claims the payment is owed for. 

Explain and provide me with the method utilized to calculate the amount in dispute. 

Provide me with copies of all documents, ledgers, spreadsheets, etc., that provide evidence that I consented to pay the amount XXXX XXXX XXXX claim I owe. 

Identify the current owner of the alleged debt. 

Identify and accurately describe any third-party costs for which XXXX XXXX XXXX is charging me, and that you have included in the disputed amount along a complete itemization of all such charges. 

Provide the payment history including my signatures for all charges claimed from use of the credit instrument. Im disputing the amount shown on the consumer report.

Provide me with an affidavit that the Statute of Limitations has not expired on this alleged debt account.

Provide me with you and your clients proof of Good Standing under the laws of South Carolina and the Secretary of State along with information regarding your Registered Agent for Service of Process. 

Provide a statement showing the relationship XXXX XXXX XXXX has with XXXX, and advise how XXXX XXXX XXXX and XXXX gained access to my private personal data without my exclusive written consent. 

Dated : XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting inaccurate information on my consumer report. The alleged collection account is not mine. 

Inaccurate information : Collections XXXX XXXX XXXX Opened XXXX {$940.00}

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 non-monetary relief
Consumer complaint received 2024-07-09 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: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX VERIFICATION OF DEBT REQUEST RE : Alleged debt in the amount of {$950.00} Dear Equifax, After reviewing my consumer report, I have some concerns about the validity of your reporting.

This letter is being sent to you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( a ) and ( b ).

I am hereby disputing this alleged debt, invoking my rights under the FDCPA, FCRA, and any other applicable state laws as well. 

Request is hereby made that XXXX XXXX XXXX and Equifax provide me with clear and convincing evidence ( i.e., original contract bearing my wet ink signature ) that I have a legal obligation to pay you and or the original creditor for the amount in dispute. 

Accordingly, please provide me with a complete accounting of the alleged debt XXXX XXXX XXXX claims I owe within thirty ( 30 ) days of your receipt of this correspondence. This proof must include and is not limited to : The original complete and signed contract proving that I have any obligation to XXXX XXXX XXXX for the alleged debt obligation which is the subject matter of this dispute. 

An itemized breakdown of what XXXX XXXX XXXX claims the payment is owed for. 

Explain and provide me with the method utilized to calculate the amount in dispute. 

Provide me with copies of all documents, ledgers, spreadsheets, etc., that provide evidence that I consented to pay the amount XXXX XXXX XXXX claim I owe. 

Identify the current owner of the alleged debt. 

Identify and accurately describe any third-party costs for which XXXX XXXX XXXX XXXX XXXX me, and that you have included in the disputed amount along a complete itemization of all such charges. 

Provide the payment history including my signatures for all charges claimed from use of the credit instrument. Im disputing the amount shown on the consumer report.

Provide me with an affidavit that the Statute of Limitations has not expired on this alleged debt account.

Provide me with you and your clients proof of Good Standing under the laws of South Carolina and the Secretary of State along with information regarding your Registered Agent for Service of Process. 

Provide a statement showing the relationship XXXX XXXX XXXX has with Equifax, and advise how XXXX XXXX XXXX and Equifax gained access to my private personal data without my exclusive written consent. 

Dated : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX inaccurate information on my consumer report. The alleged collection account is not mine. 

Inaccurate information : Collections ONLINE INFORMATION S Opened XXXX {$940.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 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: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
XXXX never served by Courts SEC XXXX XXXX, 603 U.S. ___ ( XXXX ) When the SEC seeks civil penalties against a defendant for securities fraud, the XXXX XXXX entitles the defendant to a jury trial. 

Writs never signed and seal by court clerks 28 U.S. Code 1691 - Seal and teste of process All writs and process issuing from a court of the United States shall be under the seal of the court and signed by the clerk thereof. 

( XX/XX/XXXX, XXXX. XXXX, XXXX XXXX. XXXX. )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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: Maximus Federal Services, Inc.
State: NV

Complaint narrative:
XXXX never served by Courts SEC XXXX XXXX, 603 U.S. ___ ( XXXX ) When the SEC seeks civil penalties against a defendant for securities fraud, the XXXX XXXX entitles the defendant to a jury trial. 

Writs never signed and seal by court clerks 28 U.S. Code 1691 - Seal and teste of process All writs and process issuing from a court of the United States shall be under the seal of the court and signed by the clerk thereof. 

( XX/XX/XXXX, XXXX. XXXX, XXXX XXXX. XXXX. )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
I purchased a large 3d printer using my Paypal account in XXXX of XXXX. I picked it up XX/XX/2024. It was faulty from the very first use. I attempted to keep it working, but it kept failing. Finally, late XXXX I asked for a refund on the item. The seller refused so I was forced to file a Paypal dispute. Paypal asked for a third party to evaluate the printer to determine if it was significantly not as described. I got three third parties to evaluate it and all said it was significantly not as described. Finally, on XX/XX/2024 Paypal told me the seller agreed to give a refund and I should send it back to the address the seller provided. The printer was in the same condition as when I received it. I sent it back, and submitted tracking information. The printer was delivered to the seller on XX/XX/XXXX. The seller then claimed I altered the printer so Paypal denied my claim. Now I am without the money and the faulty product and have to absorb a hefty shipping charge due to Paypal 's terrible action. They lied to me stating the seller agreed to give a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I submitted a fraud case my billing and delivery address does not match where the company sent it and my bank not helping

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 2024-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: IL

Complaint narrative:
Unfortunately a very large sum of money was refunded but never received. It is believed the company went out of business but there is no way for me to know. I did receive an agreed upon refund statement and the company said it would be refunded. However I could not reach them when I got concerned after 10 days. I disputed the fees associated with my car warranty and repairs which were to be refunded. I provided proof of this but CURRENT BANK left it out my proof in their initial decline decision. However, they did inform me that they were not able to reach the merchant, neither have XXXX I asked to appeal the decision as it seems there was no real investigation. Neither CURRENT nor myself could reach the merchant. No investigation was done. However, CURRENT still denied not having not my initial claim but my appeal immediately without investigating or reviewing my proof of return documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/year>, I mailed dispute letters to both Equifax and XXXX regarding XXXX XXXX XXXX XXXX. They neither sent me written notification of the debt nor fully validated the debt after I engaged XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 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: EQUIFAX, INC.
State: DE

Complaint narrative:
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - CFPB DELETE Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : 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 XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
On XX/XX/year>, I sent a letter to Midland Credit Management regarding XXXX critical issues : the violation of the Gramm-Leach-Bliley Act and the reporting of inaccurate late payments on my account. Midland Credit Management failed to provide the required notice before disclosing my personal information to consumer reporting agencies and did not offer me the opportunity to opt out of such disclosures as required by 15 U.S. Code 6802. Additionally, late payments have been inaccurately reported on my account, negatively impacting my credit history. Despite my request for a thorough review and correction of these issues, I have not received any response or corrective action from Midland Credit Management.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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: Carvana Group, LLC
State: GA

Complaint narrative:
XXXX got returned because the the car was not owned by Carvana, it was owned by XXXX XXXX

Company response to consumer: Closed with explanation