vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing as a requisite to validate the information regarding specific items in my credit report in line with the FCRAs section 609. You are required by federal law to verify any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I would like to confirm that these loan issuers obtained my information according to the law by requesting that they avail the sources of information to me. 
This set of information should include the identity of the person who made the request, my original contract and agreement and any other supporting documentation. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts That said, if youre unable to verify this information, please delete the items from my credit report since their accuracy can not be validated.

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 2020-08-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
Freedom mortgage assumed my home loan from XXXX XXXX. They paid my hazard insurance but failed to send a payment for my flood insurance. I have tried for the past 3 weeks to have them send the premium but still nothing. The money is in the escrow account and all they have to do is send 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 2020-08-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Health Care Management Services, Inc.
State: GA

Complaint narrative:
I had a mamogram at XXXX XXXX on XX/XX/XXXX ; albeit, I had insurance at the time, they refused to cover the expense. I didn't have the full amount to cover the debt and eventually, Northside transferred the debt to an outside collection agency ( HSI Financial Services LLC, XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX GA XXXX ) XXXX  sent me an offer to settle the debt for {$170.00} since I had faithfully made payments toward the {$750.00} debt. I opted to accept the settlement and paid the amount, as directed by the collection agency to ( HSI ) on XX/XX/XXXX. Once paid, {$190.00} was to be written off. I requested a Settled in Full letter and I was told it would be sent. I communicated with XXXX XXXX and her supervisor XXXX and XXXX. I saved all the email communications in case you need to verify. 

Fast forward almost a year later, XX/XX/XXXX. I received a Debt Notification from XXXX, XXXX XXXX XXXX, XXXX GA, XXXX. The letter stated I owed a debt to XXXX XXXX in the amount of {$170.00} for services received on XX/XX/XXXX. I spoke with XXXX XXXX, made her aware the debt had been paid. on XX/XX/XXXX, I received another notice from HSI stating I now owe them {$190.00}! This is illegal! I am FURIOUS and refuse to deal with this exploitation any longer. Who has the time to fight these battles? Obviously, HSI kept the settlement money, didn't report the payment to XXXX XXXX, and thus, XXXX XXXX assigned the debt to a new agency ; ( XXXX ). This is bad business and total harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
There has been many fraudulent inquiries listed in my credit report. XXXX has had access to my information and has been trying to obtain credit with my information. I hold not one account with any of theses inquiries but somehow there on my credit report and also there's more inquiries on one report than the next.

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 2020-08-27 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I filed a reinvestigation with the credit reporting agencies in regards to inaccurate information reporting on my credit reports per section 611. I never received any notifications in regards to the investigation results. It has now been well over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. I sent the reinvestigation letter on XX/XX/2020 while the Demand to comply was sent on XX/XX/2020.

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 2020-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Hello, This is ridiculous and inhumane PRA! 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 non-monetary relief
Consumer complaint received 2020-08-27 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: MD

Complaint narrative:
A debt posted to my credit report by XXXX in the amount of {$750.00} XX/XX/2020. I was not aware of it. But then it became derogatory in XX/XX/2020. They never sent me a debt incurred letter, They never sent an invoice. And they didn't send a collection letter. Upon further investigation, I realized this was a debt I disputed with the same company years ago. They could not provide proof and removed it off my credit report. It is unbelievable that they would dare post the same debt twice without fear of repercussions. I disputed the debt with the collection company via the CFPB platform who responded on here that they could not find my name in their system. But their address and phone number is what is posted on 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 2020-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: COMMERCE BANK
State: MO

Complaint narrative:
My Commerce bank account was Hacked on XX/XX/2019. 
I notified Commerce bank immediately of fraud activity. I was given three new cards, that did not work. and was told the money would be returned to my account within 10 business days. It was never returned to me and my account was closed in XXXX of this year. I was also told that someone with a similar account number to mine was changing my pin online and stealing my money. 
I have spoken with Commerce Bank @ XXXX and XXXX with the bank manager and she read the notes, claims that the money was returned to me in XXXX. That is not true because I was still trying to recover the stolen money from my checking account in XX/XX/2019. I turned in all three debit cards to bank manager at XXXX and XXXX in XX/XX/2019 as they did not work. I had no access to that account. The bank manager was to issue me a cashier 's check in XX/XX/2019 and mail it to me in XXXX XXXX, MO. Which to date has never happened. 

The fraud charges : XXXX XXXX at XXXX and XXXX XXXX XXXX, MO {$60.00}. 
XXXX for {$89.00} x 2 = {$170.00} Budget : refund for rental insurance : {$21.00} Total monies never returned to me by Commerce Bank : {$250.00} XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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: VA

Complaint narrative:
I filed a reinvestigation with the credit reporting agencies in regards to inaccurate information reporting on my credit reports per section 611. I never received any notifications in regards to the investigation results. It has now been well over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. I sent the reinvestigation letter on XX/XX/2020 while the Demand to comply was sent on XX/XX/2020.

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 2020-08-27 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: VA

Complaint narrative:
I filed a reinvestigation with the credit reporting agencies in regards to inaccurate information reporting on my credit reports per section 611. I  never received any notifications in regards to the investigation results. It has now been well over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. I sent the reinvestigation letter on XX/XX/2020 while the Demand to comply was sent on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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 went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX  XXXX {$200.00} XXXX XXXX XXXXXXXX {$170.00} XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX {$960.00} XXXX XXXX XXXX {$660.00} XXXX XXXXXXXX {$8000.00} XXXX XXXX {$330.00} XXXX XXXX XXXX {$3200.00} XXXX XXXX {$5800.00} XXXX XXXX {$92.00} XXXX XXXX XXXXXXXX {$2000.00} XXXX XXXX {$1000.00}

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 2020-08-27 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX  XXXX {$200.00} XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX {$960.00} XXXX XXXX XXXXXXXX {$660.00} XXXX XXXX {$8000.00} XXXX XXXX {$330.00} XXXX XXXX XXXX {$3200.00} XXXX XXXX {$5800.00} XXXX XXXX {$92.00} XXXX XXXX XXXXXXXX {$2000.00} XXXX XXXX {$1000.00}

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 2020-08-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I began to file for bankruptcy but never finished the filing but TransUnion has placed this on my credit report anyway. They have not removed it despite my requesting that twice. I had XXXX investigate the bankruptcy and they have removed the public record from 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 2020-08-27 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: GA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. I HAVE ACCOUNTS ON MY CREDIT THAT DO NOT BELONG TO ME. MY PURSE WAS STOLEN AND MY ID WAS STOLEN AS WELL. I AM STILL BEING VICTIMIZED BECUASE THESE ITEMS ARE BEING REPORTED ON MY CREDIT REPORT. I HAVE DISPUTED THESE ACCOUNTS AND THEY HAVE NOT BEEN REMOVED.

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 2020-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
Hello, This is ridiculous and inhumane! 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 2020-08-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
ok and thank you-i applied for a credit card through XXXX XXXX for a capital one credit card to help me with getting my credit restored. Its is not XXXX XXXX who is the problem but Capital One-OK they gave me a credit card in XX/XX/2020 for {$300.00} and they said if I am faithful in using my credit wisely and paying on time i will get more credit at the end of 3 months. at the end of there time line they said i am doing great they gave me now a {$500.00} credit with a 24 point boost with XXXX. A couple of weeks ago i used my credit on purpose with the intent of paying them before the Auto deduction from my bank acct. That's what you are suppose to do use the card and the credit they gave you and pay them back immediately which will show the Lenders that I CAN BE TRUSTED. " Well they did not like me using {$110.00} of my {$500.00} and they decided to take away 14 points from me. O they gave me reasons of which i don't understand a lot of double talk. I AM TRYING TO BUILD MY CREDIT NOT KNOCK IT DOWN BY BEING FAITHFULL AND HONEST WITH THE LENDERS. WITH THIS CREDIT REPAIR SYSTEM YOU WILL NOT WIN BUT LOSE AND THEY WILL DESTROY YOUR CREDIT AND BEFORE I CAN MOVE ON AS I SEE THE " light '' THEY ARE SHOWING I NEED THIS FIXED. 
The credit card company is Capital One -- associated with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on XX/XX/XXXX - XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on 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 2020-08-27 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:
There has been many fraudulent inquiries listed in my credit report. XXXX has had access to my information and has been trying to obtain credit with my information. I hold not one account with any of theses inquiries but somehow there on my credit report and also there's more inquiries on one report than the next.

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 2020-08-27 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: PA

Complaint narrative:
There has been many fraudulent inquiries listed in my credit report. XXXX has had access to my information and has been trying to obtain credit with my information. I hold not one account with any of theses inquiries but somehow there on my credit report and also there's more inquiries on one report than the next.

Company response to consumer: Closed with explanation