vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Do to the Covid-19 shut down i was out of work at no fault of my own so i was late on my payments but i call all my credit card companies and they said they were going to fix it and we came to an agreement of payments that are being made on time as they are on autopay through my bank. I work for the school district and they all shut down. 
so I feel the last charges on my 2020 payments are not mine. 

thank you very much XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Run Solutions, LLC
State: TX

Complaint narrative:
I have sent several letters asking for debt validation over the past 60 days and have not received any response from this creditor. According to FCRA 15 U.S.C. 1681g I the consumer have the right to demand all documents pertaining to this debt. FCRA 15 U.S.C 1692g 5 requirements must be sent to I the consumer and a debt must be validated in writing within thirty days of receipt of the letter. This creditor has violated this law. 

The first letter was sent on XX/XX/XXXX and the second letter was sent on XX/XX/XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dear Credit Bureaus, Attention : Compliance Department- CEO only According to my research, your company may not include in a consumer credit report any adverse, inaccurate, or unverified information without physically verification and valid to be 100 % truthful accurate, timely, complete, current, and compliant to prove now or delete this unverified information immediately. 

XXXX XXXX XXXX XXXX If inaccurate, incomplete, or unverified, I demand deletion. 
XXXX XXXX If inaccurate, incomplete, or unverified, I demand deletion. 

These inaccurate accounts are unjustified. I need immediate deletion of these unverified allegations to meet standards of the FCRA. Any and all of the aspects of alleged account information must be documented to be proven of my responsibility to be adequate and within compliance to properly and fair reporting according to the FCRA. If you are unable to provide me with any copies of verifiable proof justifying the reportability of any derogatory account reporting within 15 days by challenging compliance of the FCRA reporting procedures to be 100 % accurate and complete, then you must delete all accounts of illegal and dishonest procedures bases on the assumption of this misleading information reporting on my credit file. 
Provide physical proof of verification or delete each account permanently. 

Respectfully, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Texas 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 2021-06-09 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: TX

Complaint narrative:
Dear Credit Bureaus, Attention : Compliance Department- CEO only According to my research, your company may not include in a consumer credit report any adverse, inaccurate, or unverified information without physically verification and valid to be 100 % truthful accurate, timely, complete, current, and compliant to prove now or delete this unverified information immediately. 

XXXX XXXX XXXX XXXX If inaccurate, incomplete, or unverified, I demand deletion. 
XXXX XXXX If inaccurate, incomplete, or unverified, I demand deletion. 

These inaccurate accounts are unjustified. I need immediate deletion of these unverified allegations to meet standards of the FCRA. Any and all of the aspects of alleged account information must be documented to be proven of my responsibility to be adequate and within compliance to properly and fair reporting according to the FCRA. If you are unable to provide me with any copies of verifiable proof justifying the reportability of any derogatory account reporting within 15 days by challenging compliance of the FCRA reporting procedures to be 100 % accurate and complete, then you must delete all accounts of illegal and dishonest procedures bases on the assumption of this misleading information reporting on my credit file. 
Provide physical proof of verification or delete each account permanently. 

Respectfully, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Texas XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I have to repeatedly contact Nelnet via complaints on the XXXX XXXX XXXX  because they do not respond to anything else, their customer service is so poor. I have been asking for an income based repayment plan that matches the federal statues since the pandemic began, which has been a STRUGGLE. Additionally, I had to leave my home quickly to XXXX XXXX from my neighbors, who are XXXX XXXX and I wrote Nelnet asking them to send my documentation to an alternative address and I stated that I have not received anything they claim to have sent. Instead of acknowledging this and making the change, Nelnet sent me a non-response, response ( which is typical for them ). Refused to make the change of address and I STILL do not have any of the documentation that was requested in the first place. I am filing this complaint to get my address changed as requested and new copies of the IBR and documentation requested. It is IMPERATIVE for safety reasons that no further documentation be sent to the previous address on file from Nelnet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am a victim of identity theft. The accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: KS

Complaint narrative:
I have sent several disputes to XXXX XXXX XXXX regarding the alleged balance due. Prior to responding to me regarding one of the disputes in XX/XX/2021, XXXX responded to a third party verifying the validity of the debt. As of XX/XX/2021, XXXX has verified the validity of the debt with the credit reporting agencies and have continuously failed to respond to my disputes. This is in violation of FCRA.

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 2021-06-09 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: KS

Complaint narrative:
I have sent several disputes to XXXX XXXX XXXX regarding the alleged balance due. Prior to responding to me regarding one of the disputes in XX/XX/2021, XXXX responded to a third party verifying the validity of the debt. As of XX/XX/2021, XXXX has verified the validity of the debt with the credit reporting agencies and have continuously failed to respond to my disputes. This is in violation of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple Equifax Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
LVNV FUNDING LLC - Company has no legal contract with me. They have failed to validate the debt & have agreed to remove it in place of being sued. Please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
I disputed this never late for XX/XX/17

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX Address Date of inquiry XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2021 XXXX XXXX XXXX did run my credit more than 3 or 4 times or more. They told me that they will only run credit on XXXX but now I have an extra inquiry in XXXX & Equifax dated XX/XX/2021 Please have XXXX XXXX to send a letter to them ( XXXX & Equifax to remove both inquiries. My credit decreased & this is affecting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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 — Problem with personal statement of dispute
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
This original company was aware of identity theft due to my military status. After agreeing to REMOVE the negative debt since I never applied for it, they charged it off and the collection company continues to reage the debt resale and has damaged my militaryservice record and hurt my credit. The debt is NOT mine. I have requested copies of original contract, proof of legal right to collect and proof of verification method nothing has been given to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian is reporting bankruptcy in my credit report. The information its incorrect. The address that the bankruptcy its being report its different. I dont have such a public record in the other two credit Bureaus. The reason of this inaccuracy its because my name is very common.

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 2021-06-09 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: WSFS FINANCIAL CORPORATION
State: DE

Complaint narrative:
I disputed this never late for XX/XX/17

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
PORTFOLIO RECOVERY ASSOCIATES, LLC - This collection is erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611 THIS MUST BE deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello im writing this complaint because I looked at my credit report and noticed some accounts reporting that shouldn't be. im well aware of my consumer rights as I am federally protected from bureaus put together to create an elaborate mechanism to ruin my reputation. due to poor credit i am paying hundred of more on interest than I should be. please help me stop these bureaus from reporting accounts they shouldn't be pursuant title 15 chapter 41.

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 2021-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
CAINE & WEINER - I contacted the company as I was told so. I have requested validation and they have not produced it. FDCPA 809b requires this to be deleted until they validate. Delete this now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Credit card or prepaid 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NM

Complaint narrative:
About you Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX Email : XXXX Phone : XXXX City : XXXX State : New Mexico Zip Code : XXXX Country : USA What happened I agreed to pay {$6.00} for XXXX XXXX XXXX  and was told that I could also get XXXX XXXX XXXX free but was later charged {$6.00} for it.. I did not join their company but was later charged {$92.00} on XXXX and {$88.00} on XXXX. XXXXWhen I called the company to complain I was told I had been given 15 days to quit their membership. I never joined their membership and I never received any documents about this or receipts. The descriptions on my credit card says : XXXX XXXX XXXX, XXXX XXXX and XXXX. I was not able to find any of these companies on the internet. I contacted the company several times at the different numbers listed on my credit card statement and they all sounded like the same company. They always said they could not supply me any documents or pouf that I agreed to any fees other that the {$6.00} andXXXX for the XXXX. They refused to give me a refund of the {$92.00} or {$88.00} that I had not agreed to.. The XXXX  products were from : XXXX XXXX XXXX XXXX XXXX The address I have for the dealer is : XXXX. The address for XXXX XXXX  is : XXXX XXXX XXXX, XXXX XXXX, FL XXXX t. One of the telephone numbers is : XXXX and one of the websites is : XXXX I hope this company is stopped before they commit fraud on other people. Please e-mail me a copy of this complaint as I was not able to print it. XXXX Thank you for any help you can give me. 
How it started Date fraud began : Amount I was asked for : Amount I Paid : XX/XX/2021 {$180.00} Payment Used : How I was contacted : Credit Card Online Ad or Pop-up Details about the company, business, or individual Company/Person Name : XXXX XXXX and XXXX XXXX  Address Line 1 : XXXX XXXX Address Line 2 : City : XXXX XXXX State : Florida Zip Code:XXXX Country : USA Name of Person You Dealt With : unknown

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-09 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 — Problem with personal statement of dispute
Company: National Credit Adjusters, LLC
State: TN

Complaint narrative:
Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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 — Problem with personal statement of dispute
Company: Professional Recovery Management
State: TN

Complaint narrative:
Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
The company Midland Credit Management has been Harassing me and are trying to destroy my character by reporting inaccurate information to major credit bureaus for a debt they didnt provide validation for. I sent by certified mail a request for validation, a cease and desist letter which they ignored which is a violation of 15usc 1692c and a {$3000.00} invoice for the violations the have committed. My certified mail was sent on XX/XX/21 and received on XX/XX/21.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Hi, I wired some funds to my family on the XX/XX/21 and it was cancelled without notice or call on XX/XX/21. Re-requested the wire again and it is pass the 3 business days to transmit. They are purposely holding the funds to retain depository balance and using fraud as an excuse. CSR keeps transferring me over to a manager but cycling calls to another rep.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: TX

Complaint narrative:
Several disputes have been submitted regarding these accounts since XX/XX/2020. You can not validate a debt without following the proper validation. According to FCRA 15 USC 1692g, a debt must be validated within 30 days. Validation of a debt is an assess of action and the debt is not mine and it is not true. Also, according to 15 USC 1681 a ( e ) to validate a debt is to interview family, neighbors and associates of this debt who may have knowledge of this account but specific factual information does can not be mentioned.

Company response to consumer: Closed with explanation