vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: NY

Complaint narrative:
I have received a letter from MRS Associates stating that I owe XXXX the sum of {$1600.00} dollars for a debt I have no knowledge of. I called that company and asked how was that possible when I have never purchased any goods from XXXX nor I had received any letters saying I was in debt with the latter. 

an MRS representative then explained that I had to call XXXX to a number no one answers. 

I was then directed to a XXXX website where is asking for me to file a police report. I don't have any details to provide to the police as I don't know what is the debt for.

MRS Case number : XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-28 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: AZ

Complaint narrative:
i have unauthorized fraudulent inquires on my report i called and mailed disputed and have no results fraudulent inquires still remain on report Name Requested On XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: United Revenue Corporation
State: TX

Complaint narrative:
On XX/XX/XXXX, I sent a validation letter to United Revenue Corp for a debt in which they reported to the credit bureaus without notifying me first. When I did not receive a response from United Revenue Corp, I disputed the account with all three credit bureaus. I later discovered that the account that was being reported by United Revenue Corp was related to an unverified medical debt. Over the course of the next 2 years, I sent 5 more letters to URC, one of which dated XX/XX/XXXX was a HIPAA violation letter. Finally, I received a response on XX/XX/XXXX in which they claim that they were providing validation of the debt. URC has missed the most important fact that my Texas Physician Resources does not have a HIPAA release consent from me which would allow my medical information, if this belonged to me, to be released to anyone. I informed URC of this and they have failed to correct their wrong. This is a violation of my HIPAA rights and I am reaching out to your organization to report this company before I proceed with legal actions.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: EOS Holdings, Inc.
State: LA

Complaint narrative:
I've been disputing this inaccurate account for over the past year via USPS Certified Mail. EOS CCA the information furnisher that's recorded by XXXX  records this account that Re-Ages every month when this collection agency falsely states that this account has been verified, this account is now Re-Aged to XX/XX/2021. This account still reports an inaccurate OPEN account status. This is unlawful reporting, delete this inaccurate account immediately because it is in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: World Acceptance Corporation
State: AL

Complaint narrative:
World Finance is reporting a PAID account on my report incorrectly. The account is NOT being reported that it is paid on my XXXX  and XXXX  reports. This is NOT fair to me. I paid the account earlier this year. The company has had plenty of time to report that the account is paid, but they have not changed the account status to paid. This is against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: FL

Complaint narrative:
Guys please help me. I have a lot of unknown inquiries in my profile. I have no idea how that happened but the only one thing I know for sure that they are not mine. I do not know them, someone filed them or its error or identity theft I do not know but I am begging you to remove them as soon as possible because I can not proceed in my life planning.

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 2021-07-29 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: FL

Complaint narrative:
Guys please help me. I have a lot of unknown inquiries in my profile. I have no idea how that happened but the only one thing I know for sure that they are not mine. I do not know them, someone filed them or its error or identity theft I do not know but I am begging you to remove them as soon as possible because I can not proceed in my life planning.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
This company has violated my rights as outlined within Section 604 of the Fair Credit Reporting Act. I never authorized this company to pull my information. Please remove this inquiry from my credit 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 2021-07-29 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: AL

Complaint narrative:
The account with XXXX XXXX is paid, but the account status is not reflecting that the account is paid. The status/condition of the account is still being reported as derogatory although the balance is XXXX. Again, there is a zero balance. The account is PAID. The account status/condition is NOT correct.

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 2021-07-29 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: CA

Complaint narrative:
I had a lease from XXXX starting from XXXX. And I payed off the lease on XX/XX/XXXX. But my credit report is still showing that the loan is open and I have balance XXXX. 

I have talked to XXXX and they verify that my account is payed off and close. But the credit report company got different info.

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 2021-07-29 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: CA

Complaint narrative:
I had a lease from XXXX starting from XXXX. And I payed off the lease on XX/XX/XXXX. But my credit report is still showing that the loan is open and I have balance XXXX. 

I have talked to XXXX and they verify that my account is payed off and close. But the credit report company got different info.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I had a lease from XXXX starting from XXXX. And I payed off the lease on XX/XX/XXXX. But my credit report is still showing that the loan is open and I have balance XXXX. 

I have talked to XXXX and they verify that my account is payed off and close. But the credit report company got different info.

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 2021-07-29 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: AR

Complaint narrative:
I have file several complains through CFPB and FTC on-line website, no resolution and sent validation letter with no response, no change to the items in my complaints. There is addresses, inquires name is not mine or validated. XXXX  is updating on a Closed & Collection Account that is not mine, it is Fraud account, a company called XXXX XXXX under an account # XXXX operated by a XXXX XXXX, reported {$80.00} & Late Payment XX/XX/XXXX. This is not my account. Address Fraud XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX, FRAUD INQUIRES : XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX  XXXX XXXX XXXX, XX/XX/XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX name incorrect XXXX XXXX, FRAUD INVALID Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX. TransUnion : Incorrect name : XXXX XXXX, invalid FRAUD Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX  XXXX XXXX XXXX XXXX AR XXXX, FRAUD Inquires : ALL ARE DATED FOR XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX  XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/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 2021-07-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Royal Pacific Funding Corporation
State: CA

Complaint narrative:
Not Sure Where To Begin But My Older Son XXXX XXXX Has Not Been Paying Off The Mortgage For Some Time Now And I Hate To Lose The House My Late Husband And I Sacrificed So Hard For Throughout Our Lives. I Been At XXXX XXXX XXXX. Since XXXX Of XXXX. Sadly I Lost My Husband In XXXX. But My Son XXXX Took Over All The Finances, Unfortunately Though Things Haven't Been For Good. It's All For His Own Personal Financial Gain. Especially Now That He Finally Found Someone And Decided To Marry And Bring Into Our Home. I'm Scared Of XXXX Everything. My Younger Son XXXX Would Be A Better Fit. Although His Significant Other Suffers From Various Health Issues On A Daily Basis And He Also Is Raising A XXXX Year Old XXXX XXXX Child. I Don't Know What To Do! I'm Sad And Lost And Everyday I Get Older. My Loan Number Is : XXXX With XXXX XXXX Funding. I've Even Let My Mortgage Company Know Of This Situation But To No Avail. I DON'T WANT TO LOSE MY HOUSE! Please. My Son XXXX Even Pressured Me Into Adding Himself To The Deed Of The House Back On XXXX XXXX And Tricked Me Thinking I Was Adding Both Of My Sons, XXXX And XXXX. Who Can Help Me??!!! Time Is Of The Essence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I have my money in my account with Td Bank when I went to do transaction the Bank told me they have XXXX the money to unknown person that I have no idea.The Bank have the nerve to tell me is not Bank error and I should tell the loss and be quiet.I have all efforts to get my {$300.00} refunded but the Bank TD Bank have refused since XX/XX/21.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
unauthorized use of my credit 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 2021-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
I do not know these accounts reporting in my file. Please help me get them removed. 

CONVERGENT OUTSOURCING ( Original Creditor : XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) THE XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXX ( Original Creditor : 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 2021-07-29 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Credit card number:XXXX Dear Wells Fargo Complaints Department XXXX On Wednesday XX/XX/XXXX, I called customer support line at XXXX and requested credit balance refunds from both of my credit cards : XXXX and XXXX XXXX. The refunds were processed and mailed on a Friday XX/XX/XXXX. On Monday XX/XX/XXXX I received a notification from usps through informed delivery that both checks would be delivered the same day. When I checked my mail I only found one check for {$220.00}, and {$610.00} check was missing. I waited two days and spoke to a XXXX who told me that they did not have any checks for me. Today ( XX/XX/XXXX ) at XXXX I called the same number and reported my check lost or stolen. The gentlemen on the phone told me he was going to put a stop payment on a check and either mail a new one or put a credit back on the account. I let him know that unless checks would be mailed with some sort of tracking I would prefer just a credit back on the account. He then told me that I could come to a Wellls Fargo Branch and request a cashiers check from the credit card balance. I arrived at XXXX XXXX and was connected with a banker XXXX XXXX. She let me know that they could not do a cashiers check and called credit cards services from a bank line. At that time the whole situation took a different turn : the agent and her supervisor ( XXXX ) were completely unhelpful. The lady accused me of lying of contacting the bank prior and XXXX refused to put a stop payment on a check or confirm that it was done, he refused to reverse any fees if I were to take a cash advance from MY OWN MONEY from the credit balance. I spent 2 hours just to get to nowhere. I do have screenshots of both mail envelopes with checks in them that I received on a Monday as a proof. I need my money back and I need it now, as a solution I am requesting either and ACH transfer to my own bank account or allowing me to a cash withdrawal of my own money without any fees. And I want to make sure that stop payment has been placed on a lost/stolen check. 
I also would like you to review my calls that were made to a call center today and all the notes. 

Thank you for your time, XXXX XXXX XX/XX/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 2021-07-29 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: AL

Complaint narrative:
The account with XXXX XXXX is paid, but the account status is not reflecting that the account is paid. The status/condition of the account is still being reported as derogatory although the balance is XXXX. Again, there is a zero balance. The account is PAID. The account status/condition is NOT correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
This letter is about the following accounts : COLLECTION : # XXXX, which you claim, I owe [ {$57.00} or my account was charged off {$57.00} ]. and XXXX # XXXX, which you claim, I owe [ {$440.00} or my account was charged off $ XXXX is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection practices Act and the Fair Credit Reporting Act, along with corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and Equifax ) from your company or any company that you represent, for a debt that I dont owe, is a violation of FCRA & FDCPA ; therefore if you can not validate the debt, you must request that credit reporting agencies delete the entry. 

Pending to the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond withing 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum {$1000.00} in damages per violation for :. Defamation. Negligent Enablement of Identity Fraud. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ). Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 











Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/XXXX of XXXX I went to federal prison and had a chime bank account when I got there all my property was sent to my sister 's house she never got the package that contained my wallet my cell phone bank cards social security and drivers license XXXX I got out in XX/XX/XXXX I discovered everything was gone XXXX from the bank acvount.turns out after looking at the statements someone from the neighborhood took the package from her porch and cleaned the account out I know thus because he put his name on it when I reported this to the bank they told me they would investigate the matter I sent them documents from the dept of Justice supporting where I was for thst year and documents about the individual who did it was in custody of the state of Texas for id theft in which he was arrested and out serving 6 years right now..they told me they found no errors.thats outrageous please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: CA

Complaint narrative:
unauthorized use of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have sent several letters to XXXX and Experian with no response to corrected addresses that do not belong to me on my credit report. 

XXXX  is reporting the following incorrect addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA Experian is reporting the following inaccurate addresses and names : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA 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