vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
On XX/XX/2020, I sent Portfolio Recovery Associates a debt validation letter to address inaccuracies and errors that they illegally placed on my credit report. They reported 3 accounts with balances of {$2100.00}, {$1400.00}, and {$2400.00}. In my letter, I requested that the company send the following : 1. What the money you say I owe is for : 2. Explain and show me how you calculated what you say I owe : 3. Provide me with copies of any papers that show I agreed to pay what you say I owe : 4. Provide a verification or copy of any judgment if applicable : 5. Identify the original creditor : 6. Prove the Statute of Limitations has not expired on this account : 7. Show me the you are licensed to collect in my state : 8. Provide me with your license numbers and Registered Agent or Agent of Service The company never validated the debt. It only sent me copies of billing statements, and the Federal Trade Commission clearly states that billing statements are NOT a proof of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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: CITIBANK, N.A.
State: CO

Complaint narrative:
There are unknown hard inquiry on my credit report. Im requested the verification of the inquiries and the method of verification. CITIBANK NA., BEST B Inquiry : XXXX. XXXX, XX/XX/XXXX Institution Information : no contact information has been reported by this creditor. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated 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 2021-01-19 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: AES/PHEAA
State: CA

Complaint narrative:
My loan was in forbearance and FedLoan still reported it as open and paid late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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: GA

Complaint narrative:
I want to report that I'm no longer authorized user in the account : XXXX XXXX # XXXX, your company is reporting this account with an incorrect balance, I had tried to dispute this online but the system refused it.

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 2021-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
After receiving credit reports from all three reporting companies? XXXX, Trans Union and XXXX the reports were stolen out of my personal property and are being used by an identity thief who is using them to file back taxes i believe and put people in those residences. It contains all of my phone numbers and addresses where i resided that are necessary to complete the documents, one of them Trans Union has been used to spend identity theft insurance which had occurred continuously and still is happening

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 2021-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
inaccurate debit collection on account

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 2021-01-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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: IL

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

Company 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 2021-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Express Recovery Services, Inc.
State: CA

Complaint narrative:
A company that goes by the name ERS constantly calls me. The guy on my voicemail is XXXX claiming they are a law firm. They have called my business number multiple times for the past 3 months. They have contacted 2 family members and stated I listed them as references which is a lie. I never do that or have done that. I had to change my number because they constantly keep calling. They never disclose of the original debtor just some random case number. I have no idea who this people are.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am requesting my name be removed from a car loan with XXXX XXXX effective immediately. I have no affiliation with this vehicle nor did I sign any documents connecting me to this debt. I have been trying for years to get this vehicle off my credit with little to no help from XXXX XXXX. I was under the impression this issue has been resolved since I received a letter from TransUnion dated XX/XX/2019 stating this item was Deleted from my credit report. This item does not appear on my XXXX XXXX for TransUnion or XXXX. My credit score based on XXXX XXXX for TransUnion is XXXX and XXXX  credit score is XXXX. I am in the process of trying to purchase a new house and was denied the loan due to this encounter and my credit score appearing as XXXX. This debt is affecting my credit tremendously and I am requesting for this to be removed. 
The owner of this car is from from XXXX, New York and his girlfriend is from Texas. Im not sure if he still resides in XXXX, Ohio. The car was basically stolen because the monthly payments are not being made. I have never attempted to make a payment on this account because it's not my car or obligation. I have not seen nor talked to the owner in over 5 years. I have made several attempts to contact him with no success. 
The car dealership where this car was originally purchased has since gone out of business.

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 2021-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am requesting my name be removed from a car loan with XXXX XXXX effective immediately. I have no affiliation with this vehicle nor did I sign any documents connecting me to this debt. I have been trying for years to get this vehicle off my credit with little to no help from XXXX XXXX. I was under the impression this issue has been resolved since I received a letter from XXXX  dated XX/XX/2019 stating this item was Deleted from my credit report. This item does not appear on my XXXX XXXX for XXXX or Equifax. My credit score based on XXXX XXXX for XXXX  is XXXX and Equifax credit score is XXXX. I am in the process of trying to purchase a new house and was denied the loan due to this encounter and my credit score appearing as XXXX. This debt is affecting my credit tremendously and I am requesting for this to be removed. 
The owner of this car is from from XXXX, New York and his girlfriend is from Texas. Im not sure if he still resides in XXXX, Ohio. The car was basically stolen because the monthly payments are not being made. I have never attempted to make a payment on this account because it's not my car or obligation. I have not seen nor talked to the owner in over 5 years. I have made several attempts to contact him with no success. 
The car dealership where this car was originally purchased has since gone out of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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: IL

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

Company 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 2021-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc
State: GA

Complaint narrative:
disputed collection account XXXX2021 {$670.00} disputed denied

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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: CA

Complaint narrative:
My loan was in forbearance and XXXX still reported it as open and paid late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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: CA

Complaint narrative:
My loan was in forbearance and XXXX still reported it as open and paid late.

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 2021-01-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: GA

Complaint narrative:
Disputed charges XXXX. XXXX, 2021 {$1100.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CA

Complaint narrative:
Applied for a refinance conventional home mortgage on XX/XX/XXXX. Rate locked on XX/XX/XXXX. My loan officer is not responding adequately to my requests, and whatever concern that is stated there is no follow up. My home insurance company emailed last month with pdf form stating this mortgage lender has already gone ahead and changed mortgage lender to this company. I have not authorized this, the refinance has not closed. Is this legal?

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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:
Upon reviewing my report, I noticed fraudulent information was posted on my file. I was recently a victim of identity fraud and believe this resulted in this fraudulent information posted. I request that you remove this information off of my report.

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 2021-01-19 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: NY

Complaint narrative:
My identity was used by someone else to open fraudulent inquiries. This has resulted in the following ; XXXX  XXXX XXXX/XXXX  XXXX XXXX XXXX I am seeking to have the FRAUDULENT inquiries removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.

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 2021-01-19 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: U.S. BANCORP
State: PA

Complaint narrative:
I received a US Bank ReliaCard when I started receiving money for unemployment. Upon trying to withdrawal money from my card and being unable to, I contacted customer service. Customer service was nearly impossible to reach, either the automated system would randomly disconnect my call, or I would wait and extremely long period of time to speak with someone only for them to tell me they were ending the call due to the fact that they could not hear me well. After FINALLY being able to reach someone I was told my account was put on hold due to inactivity in XXXX of 2020, which I was not notified about. The woman on the phone told me that was because alerts were not turned on for me in their system. I was told I had to fax a copy of my ID and a service bill which had my correct name and address. Not having a fax machine available to me, I had to pay to fax my documents over, which were sent to the fax number given to me by the woman over the phone and the fax went through without issue on my end. I was told the hold would be lifted in 6 business days after the documents were sent over. A month later, after hearing nothing from the company, I still had no access to my money. I was told that there must have been visibility issues with my documents and I needed to send them again, which also has resulted in no change in my account and I am still unable to access my money. I have followed every request the company has made in order to release the hold on my account, all to no avail. I have made several attempts to reach the company, all in which I have failed to be able to speak with a person. I am very frustrated, as I should be able to make withdrawals of my own money whenever needed. It should not be a near impossible task to reach a person over the phone who can help me with this issue. After feeling like I had no where to turn, I filed a complaint through the better business bureau which the company responded telling me to again send over the verification documents. I do not feel comfortable sending anymore sensitive and personal documents over fax to a company I am not even able to research as it is a third party verification service that we have been giving no name for and were told that there is no way to contact them directly other than fax. I am sick of getting the run around and being told to resend these documents containing personal information that I have sent in twice now. Upon researching this issue, we have found that several others have gone through this exact same issue and have had to file complaints via the XX/XX/XXXX as well.

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 2021-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
Calvary filed a lawsuit against me without providing me with proof of a claim against me. They did not provide me with any information indicating that the alleged debt was valid. They reported on my credit report and now my credit score is suffering because of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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: PA

Complaint narrative:
I disputed inaccurate personal information ie : addresses, names, phone numbers on my credit report - Equifax on XX/XX/2019. Equifax deleted items on report number XXXX reviewing that personal information deemed incorrect and unverifiable. In XXXX I carefully reviewed my Equifax credit file and acknowledged that Equifax violated my rights per FCRA by re-entering and reporting the same erroneous information that does not belong to me and undeliverable. To my knowledge per FCRA, any Credit reporting agency must notify the consumer in writing within five business days before entering and reporting information that has been deleted prior to reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
This message : " ChaseManhattan : XXXX your account has been funded! Amount : {$370000.00} Sender : XXXX XXXX XXXX XXXX " Is PENDING your action XXXX Go to XXXX I believe this to be a phishing scam. Sent to me via text message from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Cottonwood Financial Ltd.
State: MI

Complaint narrative:
XX/XX/2021 received an email just one with threats will attach threatened me with jail and law enforcement

Company response to consumer: Closed with explanation