vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-05 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: EQUIFAX, INC.
State: VA

Complaint narrative:
First, I categorically reject the closing of my previous complain. Their answer ignored several issues, forcing me to address each one via a new complaint. They do not respond to internal queries, only CFPB complaints. Here is the summary of what has happened : XXXX XXXX failed to manage my account from XX/XX/XXXX to XX/XX/XXXX. They messed up the vestment of my loan and did not catch it until XXXX XX/XX/XXXX. They then failed to call me and badgered me to pay $ XXXX and neglecting to investigate why my account was so messed up until a week of me calling, arguing and panicking. 

On to my next complaint. 
My account is being reported as delinquent, dropping my credit score by XXXX points. They have admitted they created this error and have still insisted on ignoring my messages and reporting me as delinquent, putting my clearance in jeopardy. Without my clearance I dont have a job. IAW 12 CFR part 1024 regulation X should not be continuing to report a delinquency as a result of their negligence. 

I have offered to move on amicably and close all complaints if they simply admit fault and waive these fees. Since they have ignored me on their internal customer service system and respectfully reject waiving the fees, this is my first of several complaints.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 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: VA

Complaint narrative:
First, I categorically reject the closing of my previous complain. Their answer ignored several issues, forcing me to address each one via a new complaint. They do not respond to internal queries, only CFPB complaints. Here is the summary of what has happened : XXXX XXXX failed to manage my account from XX/XX/XXXX to XX/XX/XXXX. They messed up the vestment of my loan and did not catch it until XXXX XX/XX/XXXX. They then failed to call me and badgered me to pay $ XXXX and neglecting to investigate why my account was so messed up until a week of me calling, arguing and panicking. 

On to my next complaint. 
My account is being reported as delinquent, dropping my credit score by XXXX points. They have admitted they created this error and have still insisted on ignoring my messages and reporting me as delinquent, putting my clearance in jeopardy. Without my clearance I dont have a job. IAW 12 CFR part 1024 regulation X should not be continuing to report a delinquency as a result of their negligence. 

I have offered to move on amicably and close all complaints if they simply admit fault and waive these fees. Since they have ignored me on their internal customer service system and respectfully reject waiving the fees, this is my first of several complaints.

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 2024-04-05 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: MS

Complaint narrative:
XXXX XXXX XXXX  are falsely trying to collect a debt that is not owed to them. In XXXX of XXXX I went to pay my rent and they wouldnt take it. I still am unaware of the reason. Then the next thing I know I get an eviction on my door for non payment. We went to court, I never seen a XXXX. Instead the Attorney for XXXX XXXX took me in a room and told me that I could be evicted for non payment or I can just sign an agreed judgement entry stating that I would move out of the apartment XX/XX/XXXX. He said I wouldnt be responsible for the rent from XXXX or XXXX. I agreed to sign it, because I was very sick. Had been recently diagnosed with XXXX XXXX. And honestly couldnt afford that rent because I was missing a lot of work due to Doctor appointments. I havent lived at that apartment since XXXX of XXXX. Here it is XXXX and they are just now trying to collect this made up debt. It says they charged me for paint and carpet. Which I dont under I left the apartment in great standing. I have pictures that I took before I moved out. My deposit should have handled anything that needed to be done. It also says I owe a water and power bill. I have proof that they were down XXXX on XX/XX/XXXX. I want this false debt off of my report or I would like to take legal actions against XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: TX

Complaint narrative:
On XX/XX/XXXX my credit card was physically stolen by an individual and was used in multiple purchases that were not approved by myself. purchases were made in in the following transactions 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 XXXX I reported the above fraudulent transactions under code for unauthorized use / stolen credit card to Discover in XX/XX/XXXX. Discover Services noted that they would look into it and to call back when a Police Report was filed. I filed a Police Report with both XXXX Police Department ( XXXX ) and XXXX Police Department ( XXXX ) as well as with the FBI IC3 ( XXXX ) and reported the police report numbers to Discover Services as well as the information provided by the respective detectives involved in XXXX XXXX. At no point did Discover Services investigate the complaint properly, contact any of the respective police department or make any additional efforts to contact me other than ( 1 ) call to clarify information. They made zero effort to properly investigate the fraudulent purchases and noted that they had closed the complaint in the favor of the merchants involved with no further requests for any copy of information to include police reports as to support a claim of fraud or theft. The other credit card agencies involved DID contact the police departments involved and confirmed a racketeering/international scam being committed by the individuals involved and refunded me for other fraudulent purchases. Discover Services was the only provider who did the absolute minimal amount of work- had no contact for over 60 days and only once they reached the last 30 days of their timeline, hastily closed the investigation with no effort on their part to investigate the claim made between XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
I previously filed a complaint about XXXX XXXX XXXX claiming I owe {$720.00} to XXXX XXXX XXXX XXXX The company is also listed as LVNV Funding LLC ( Current Creditor ). I need LVNV Funding LLC to remove my name from this debt, as it is not mine. I have never lived in XXXX  and have never started an energy account there. I am unsure if this is a case of identity theft or a scam, but it is affecting my credit report. My maiden name is being used on the account, which has not been my name for a decade.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MoneyLion Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/year> XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I am writing in response to your recent communication regarding the alleged debt associated with the above-referenced account. I am requesting validation of this debt as provided for under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 
I am aware that the statute of limitations for collecting this debt may have expired, as it pertains to credit card debt from approximately four years ago. However, I am requesting validation of the debt in accordance with my rights under the FDCPA. 
I am also writing to bring to your attention that, under the Consumer Financial Protection Bureau 's Regulation F, specifically 12 CFR 1006.34 ( B ) ( 5 ), you are required to provide validation information upon request. 
As per the regulation, " Validation information means information that confirms the consumers name, the debt amount, and the name of the creditor to whom the debt is currently owed. '' I am formally requesting that you provide this validation information for the debt referenced in your recent communication. 

Please provide the following information : The original creditor 's name and contact information. 
The original account number and the date the account was opened. 
The total amount of the debt, including any interest and fees that have been added since the last payment. 
Documentation showing that you are authorized to collect this debt. 
Please note that any further communication regarding this matter should be in writing. I am exercising my rights under the FDCPA to request that all future correspondence be conducted through written means only. 
I expect your compliance with this request within the time frame specified by law. Failure to provide this validation information may result in a violation of federal regulations. 
Additionally, please be aware that I am keeping thorough records of all correspondence regarding this matter, including copies of this letter and any future communications from your office. 
Thank you for your prompt attention to this matter. I look forward to receiving the requested validation of the debt within the time frame specified by law. 

Sincerely, XXXX XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-04-05 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:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-04-05 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Self Financial Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SELF FINANCIAL INC / LEA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear SELF FINANCIAL INC / LEA, I am writing in response to your recent communication regarding the alleged debt associated with the above-referenced account. I am requesting validation of this debt as provided for under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

I am aware that the statute of limitations for collecting this debt may have expired, as it pertains to credit card debt from approximately four years ago. However, I am requesting validation of the debt in accordance with my rights under the FDCPA. 
I am also writing to bring to your attention that, under the Consumer Financial Protection Bureau 's Regulation F, specifically 12 CFR 1006.34 ( B ) ( 5 ), you are required to provide validation information upon request.

As per the regulation, " Validation information means information that confirms the consumers name, the debt amount, and the name of the creditor to whom the debt is currently owed. '' I am formally requesting that you provide this validation information for the debt referenced in your recent communication.

Please provide the following information : The original creditor 's name and contact information. 
The original account number and the date the account was opened. 
The total amount of the debt, including any interest and fees that have been added since the last payment. 
Documentation showing that you are authorized to collect this debt. 
Please note that any further communication regarding this matter should be in writing. I am exercising my rights under the FDCPA to request that all future correspondence be conducted through written means only. 
I expect your compliance with this request within the time frame specified by law. Failure to provide this validation information may result in a violation of federal regulations. 
Additionally, please be aware that I am keeping thorough records of all correspondence regarding this matter, including copies of this letter and any future communications from your office. 
Thank you for your prompt attention to this matter. I look forward to receiving the requested validation of the debt within the time frame specified by law. 

Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 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: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
My dispute was improperly processed. The GM financial account is too old to be on my report and needs to be deleted. I provided the credit reporting agencies with proof that it was deleted. Instead of deleting the account they came back with some garbage nonsense. Saying we have determined the account is yours, and it has been updated. I didnt dispute ownership. I am disputing based on age. The account is over 10 years old as it was open in XX/XX/XXXX and the car was voluntarily surrendered and sold auction in XXXX. There is XXXX balance due it states it is paid and it needs to be deleted as we are in the 7 year mark. 
Also, please see the attached documentation, including, but not limited to proof of deletion, the metro two letter, And the most recent dispute results that are just absolute garbage. Additionally, I requested a 1099C from GM financial and they have refused to provide it to date

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Insufficient evidence.. Refusal to provide requested documents like.. The ORIGINAL SIGNED CONTRACT between I and the original creditor.. The ORIGINAL SIGNED sale agreement from the original creditor giving the TERMS of the sale and the consideration paid to the original creditor .... Don't bother wasting paper sending me them same documents if you guys don't have The ORIGINAL SIGNED CONTRACTS... Those letters you guys send don't mean nothing without the The ORIGINAL SIGNED CONTRACTS ... Show me them receipts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In XXXX a credit company XXXX offer credit to buy furniture and TV, furniture came wrong and was declined! Genius held the debt for 2 years and wrote off as tax loss and that company after many lawsuits renamed and closed prior business. Third party XXXX XXXX XXXX brought the debt for {$1.00} and continued to charge collections! The original credit was started in XXXX, it is now XXXX and after 5 disputes with Transunion, they still refuse to remove off my credit report till XX/XX/XXXX? Also bankruptcy discharge in XX/XX/XXXX is still on my report which also is over 7 years old? These item are stopping my family pursuit for our first home buy! Please help!

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 2024-04-05 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-04-05 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Im waiting on disputing this account in question. This balance in question is due to unforeseen circumstances with the apartment not giving us a proper place to stay since it was mold in our apartment and we had to live there. We have multiple pictures of pie busting and messing up the walls along with mold through out the apartment. I have proof of pictures of the apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc

Complaint narrative:
Dear PayPal Global Customer Complaints & Advocacy, This is XXXX XXXX, and I'm reaching out get help in disputing my parmanently limited PayPal account. I had previously filed a complaint with Better Business Bureau ( complaint XXXX ). I hope you understand how frustrating it is when your account has been permanently limited and the inconvenience this may have caused.

Below is the reason I was given as to why my PayPal account was limited after considering several factors as at XX/XX/year> ; Your account was accessed using an anonymizing proxy service, which is a restricted activity as defined in the Restricted Activities, Holds, and Other Actions We May Take section of the User Agreement. Anonymizers attempt to make activity on the internet untraceable and make preventing fraudulent account activity difficult for PayPal. Additionally, this type of activity can be indicative of unauthorized activity.

Your account shares information with multiple accounts with limited access. We can confirm that the accounts share a combination of the following : phone number, address and login information. 

My response to this is that ; - I did not know that my proxy was on when I logged into the PayPal account, at times I am in a rush to withdraw the cash or send it and forget to close the proxy. This is my fault, to resolve this I will remove my proxies and be keen next time I login to my account. 
- I had shared my login details with my brother as a friend of his had sent him some money and I was buy and could not check it for him thus gave him my login details to reduce stress on my side. I assume that he continued to log in without my permission. So as to resolve this I will change my passwords and not share will not share the details with anyone. 

As a result, my account was limited and requested that I provide us with your photo ID, bank statement, and explanation of your activities. 

On XXXX XXXX, I provided the required information. 

On XX/XX/year>, PayPal reviewed your account and decided to place a permanent suspension on your PayPal account and no longer provide our services to me. This permanent suspension applies to all current PayPal accounts held by you or any further accounts you may open in the future ; this information I did not know because later I opened a new PayPal account XXXX which was later permanently suspended. 

I would really like to get help so that my PayPal ban is lifted because there are no better websites than PayPal and I would really hate it if I would loose it. 

Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation