vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: OH

Complaint narrative:
THIS IS A REQUEST FOR AN ACCOUNT CHAIN OF TITLE/OWNERSHIP VERIFICATION OF DEBT. RE : AFNI, INC # XXXX To whom it may concern this is the 3rd or 4th Debt collection agency attempting to collect a debt that has never been verified, never sent noticed before placing it on my credit file violation of both FDCPA & FRCA FEDERAL LAWS. This account has been illegally re-aged 4time prior to landing in the current office database of AFNI INC XXXX XXXX  XXXX, XXXX IL XXXX. This complaint is submitted under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab into. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill , or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. PLEASE DELETE THIS FILE AT ONCE. IT HAS BEEN IN DISPUTE SINCE XX/XX/XXXX BEFORE IT WAS TRANSFERRED TO THE AFNI, INC # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC.
State: IL

Complaint narrative:
MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). Exeter Finance Corp violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), and 15 usc 1681e ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of Fort Walton Beach, Inc
State: MI

Complaint narrative:
The collection agency is highly likely in violation of FDCPA ruling. 

Potentially re-aging an unvalidated account.

Collection Bureau of Fort Walton Beach

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: MS

Complaint narrative:
missed and late payments reported.

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 2021-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
XXXX XXXX is attempting to Collect for a card that was identity thefted.

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 2021-07-30 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. 
XXXX XXXX XXXX  XXXX  # XXXX, account is reporting 30,60 DAYS LATE since requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.

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 2021-07-30 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX 15 U.S code 1681b - permissible purposes of consumer reports ( a ) in general 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 I, XXXX XXXX, never gave you any written consent to include any of this information to my consumer report. 

XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX As a consumer by law these inquiries on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state pursuant to 15 USC 1681n, also Ive already involved and sent this letter to the CFPB, attorneys general office and the better business bureau and Federal Trade commission. 

PLEASE MAIL ME AN UPDATED CREDIT REPORT SHOWING THE REMOVAL OF THESE INQUIRIES

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX U.S code 1681b - permissible purposes of consumer reports ( a ) in general 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 I, XXXX XXXX, never gave you any written consent to include any of this information to my consumer report. 
XXXX/XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX As a consumer by law these inquiries on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state pursuant to 15 USC 1681n, also Ive already involved and sent this letter to the CFPB, attorneys general office and the better business bureau and Federal Trade commission. 

PLEASE MAIL ME AN UPDATED CREDIT REPORT SHOWING THE REMOVAL OF THESE INQUIRIES

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 2021-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. 
XXXX XXXX XXXX  XXXX  # XXXX, account is reporting 30,60 DAYS LATE since requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.

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 2021-07-30 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: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. 
XXXX XXXX XXXX  XXXX  # XXXX, account is reporting 30,60 DAYS LATE since requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX SS XXXX current mobile phone XXXX I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. 
XXXX XXXX/XXXX  XXXX # XXXX, account is reporting 30, DAYS LATE since requested assistance due to the pandemic. 
I have a few complaints in addition to the one above I HAVE NO RECORDS OF THE FOLLOWING ACCOUNTS this problem has come at a time when none of these companies has provided me with any documentation to verify the chain of title of ownership or proof of claim please delete the following accounts : XXXX  # XXXX, XXXX XXXX # XXXX, XXXX 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 2021-07-30 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: FL

Complaint narrative:
I want to know what is taking Equifax so long to respond to the complaint I filed against them on XX/XX/XXXX. Complaint # XXXX. Equifax went on record an said they had information from the original creditor that validated the debt between me and XXXX XXXX XXXX. If they already have this information and had it prior to XX/XX/XXXX like they claim then why is it taking them so long to present it? They say they already have it and have had it since XX/XX/XXXX ( See Equifax dispute 3 ). They went on record on XX/XX/XXXX and said they had evidence from the original creditor that validated this debt. The evidence on that document does not validate the debt and they said they had received additional evidence from the original creditor that validated what XXXX was claiming. If they have this information already why is it taking them so long to present it. There is nothing for them to investigate. They already said they have the information so they dont have to investigate what they already claim to have. This should be simple for them. If they have what they claim too have then upload it in the next couple of days and prove what they say. Why is it taking them so long to present evidence they claim to already have. Read the document. I say they are lying and dont have any such evidence or they would have already uploaded it. I want to see this alleged evidence. I have a right to see it. if they have it show it immediately. They say they are investigating. What is their to investigate? They already have the documents according to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MO

Complaint narrative:
I was never 30 days late XX/XX/ 2009 2009

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
in XX/XX/2021 PayPal closed my PayPal account which still had XXXX in the account. This was closed because a customer sent a payment via friends and family instead of goods and service by mistake, PayPal said this was against their policy and closed the account. They said they would have to hold funds for 180 days. I have gone to look and they have transferred the funds in the account to themselves. I have range them up to ask why and they said because of that policy violation. However, that money is mine and I did not authorise the transaction. Have full documents to prove it etc Transaction ID : XXXX Transaction details Print Correction XXXX XX/XX/2021 at XXXX BSTTransaction ID : XXXX Payment status : COMPLETED Gross amount XXXX GBP  We have no postal address on file Your payment Gross amount-XXXX GBP PayPal feeXXXX GBP Net amount-XXXX GBP  Contact information PayPal Funding details Funding Source : PayPal balance Funding Source : XXXX GBP  - PayPal Account Need help? Go to the Resolution Centre for help with this transaction, to settle a dispute or to open a claim. MemoXXXX GBP  ; PayPal Posting Date : XX/XX/2021 ; Payment to : Paypal ; Damages caused to PayPal by Acceptable Use Policy violation ( s ) ;.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
Add a situation back in XXXX to XXXX where I had a XXXX XXXX sonata it was supposed to be renewed tag it was in the same month as my birthday I was pulled over by an XXXX. The day before I had seen my judge he lifted a warrant that was placed on my name for not paying a restitution fee, the story goes deeper and its all a bunch of misconscrewed governmental shagovernmental showcasing around me and my parents lifes. I had had the judge signed the warrant to be lifted he agreed he ended up going on vacation. After my judge left for vacation sigrn the warrant, released me from the courtroom I was driving downtown on a tag that was inspiring the same month it's about 6 days after my birthday The same morning a mom told me to wait towards the end of the month to pay with doing kind of bad financial I'll waited the XXXX I told the XXXX the same thing I told him the warrant was cleared he told me it wasn't just to put me through the situation after reading my background discriminating against me seeing it was a day before XXXX and I'm XXXX also it's also because I realize it's an algorithm against people of XXXX or minority. So I began to notion to the cop to contact my older brother who lived XXXX minutes away from the location to pick up my vehicle but he never did! Another cop was there for eye witness they just want this kind of situation to occur to waist time and another oppotunity to digrace their jobs. So he ended up arresting me repossessed my car after explaining The war was cleared my brother lived right there it was the same month and it was a day before XXXX this discrimination at its finest. XXXX. Down to the decibal. Deficit. Ressession. XXXX. Famine. XXXX is the governs stem. Couldn't find out what my car was being incarcerated is a nightmare After trying to argue your point they just bounced you around from sale to sell whatever hours of whatever night just to be does to be arrogant I was wrongfully arrested now there's a repossession on my credit {$13000.00}. I couldn't find out where my car was at nor have my brother called them he didn't have the information from the cop I want the cops file pulled out of the other cop that was with him file pulled arrested or fired. After being in jail for 45 days I found out that they could only hold my car for 30 days all my belongings we're in there they had to put it for auction it was all against my will I was paying regularly waiting for XXXX and I was approved for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, VA XXXX 15 U.S code 1681b - permissible purposes of consumer reports ( a ) in general 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 I, XXXX XXXX, never gave you any written consent to include any of this information to my consumer report. 

XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX & XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX -XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX As a consumer by law these inquiries on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state pursuant to 15 USC 1681n, also Ive already involved and sent this letter to the CFPB, attorneys general office and the XXXX XXXX XXXX and Federal Trade commission. 

PLEASE MAIL ME AN UPDATED CREDIT REPORT SHOWING THE REMOVAL OF THESE INQUIRIES

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I was never 30 days late XXXX XXXX, 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXXDOB XXXX SS XXXX current mobile phone XXXX I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. 
XXXX XXXX/XXXX  XXXX # XXXX, account is reporting 30, DAYS LATE since requested assistance due to the pandemic.

I have a few complaints in addition to the one above I HAVE NO RECORDS OF THE FOLLOWING ACCOUNTS this problem has come at a time when none of these companies has provided me with any documentation to verify the chain of title of ownership or proof of claim please delete the following accounts : XXXX  # XXXX, XXXX XXXX/XXXX  # XXXX, XXXX XXXX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXXDOB XXXX SS XXXX current mobile phone XXXX I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. 
XXXX XXXX/XXXX  XXXX # XXXX, account is reporting 30, DAYS LATE since requested assistance due to the pandemic.

I have a few complaints in addition to the one above I HAVE NO RECORDS OF THE FOLLOWING ACCOUNTS this problem has come at a time when none of these companies has provided me with any documentation to verify the chain of title of ownership or proof of claim please delete the following accounts : XXXX  # XXXX, XXXX XXXX/XXXX  # XXXX, XXXX 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 non-monetary relief
Consumer complaint received 2021-07-30 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX - permissible purposes of consumer reports ( a ) in general Subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other ( XXXX ) In accordance with the written instructions of the consumer to whom it relates I, XXXX XXXX, never gave you any written consent to include any of this information to my consumer report. 


XXXX XXXX : XXXX XXXX, 2019 As a consumer by law these inquiries on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state pursuant to XXXX XXXX XXXX, also Ive already involved and sent this letter to the CFPB, attorneys XXXX XXXX and the better business bureau and Federal Trade commission. 

PLEASE MAIL ME AN UPDATED CREDIT REPORT SHOWING THE REMOVAL OF THESE INQUIRIES

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