vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On the date of XX/XX/XXXX at XXXX I entered into a recorded verbal phone conversation with Capital One Auto Finance, known as COAF on my credit report. I informed them I was reviewing my credit report and noticed two inquiries that I did not recognize. I asked them if they could verify the inquiries as authorized or unauthorized, meaning in accordance with the FCRA laws they must have my signature. The male representative did verify they have no record of the inquiries listed on my credit report of the date of XX/XX/XXXX and XX/XX/XXXX. As well, he verified there is no signature that exist for those inquiries. I demanded that the company delete the inquiries then. So, he told me I could dispute it by mailing in certain information. I then explained to him I will not pay for mailing and out put my own money for disputing an inquiry that was never mine in the first place. So, when he refused to give me an email address that I could send all the information requested to, I then informed him I will be filing a complaint with the Consumer Finance Protection Bureau, XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 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: IL

Complaint narrative:
These inquiries were not authorized by me & I have explained that they should be removed from my credit report but are still being reported for the following XXXX XXXX, XXXX XXXX/XXXX, XXXX XXXX, XXXX XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
I went shopping for mortgage was told to get offers from others lenders and it would not effect my credit score .So I did and it dinged my credit score after I was told that the mortgage inquires would show up once it is affecting my score negatively now I dont get approval when I started I was preapproved how can I get this fixed so I can buy my house

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 2019-05-08 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: UT

Complaint narrative:
Equifax is failing to remove the accounts involved in fraud from the credit reporting with the multiple police reports they have in their possession. The problem is they are using a FAILED XXXX system in converting legal police reports into numeric code which then sent to the debt collectors. The debt collectors have no knowledge of the police investigation details from Detective XXXX XXXX, XXXX XXXX XXXX Police, instead these accounts are fraudulent coming back as verified. Which in itself is a crime. Detective XXXX XXXX, has stated the police reports below are final and no further police reports are needed for the police report cases. 

Police report numbers : XX/XX/XXXX-REPORT NUMBER : XXXX XX/XX/XXXX-REPORT NUMBER : XXXX XX/XX/XXXX-REPORT NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 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: NY

Complaint narrative:
XXXX. My credit card balances are incorrect for 2 months. I contacted XXXX XX/XX/XXXX. Customer service representative said it was the credit card responsibility to provide the information. The credit Card company, XXXX said it's XXXX, TransUnion and XXXX responsbility. My credit is down to 30 % from 95 %, but still shows 95 %. I want to lease a car, but can not with my terrible credit score. 
TransUnion. I tried to speak to someone to make corrections, but got disconnected. Also on 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 2019-05-08 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: NY

Complaint narrative:
XXXX. My credit card balances are incorrect for 2 months. I contacted XXXX XX/XX/19. Customer service representative said it was the credit card responsibility to provide the information. The credit Card company, XXXX said it's XXXX, XXXX and Equifax responsbility. My credit is down to 30 % from 95 %, but still shows 95 %. I want to lease a car, but can not with my terrible credit score. 
XXXX. I tried to speak to someone to make corrections, but got disconnected. Also on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: SC

Complaint narrative:
This company, One Main, has continually sent me a bill for {$12000.00} more or less which I do not owe. I have never heard of One Main. My neighbor also gets a bill from this same company which she does not owe. I suspect they saturate a city with bills and even if one person get afraid and pays, its worth their effort. 

The alleged account number with them is : XXXX in the amount of {$12000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 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: IL

Complaint narrative:
The experian company continues to report this inaccurate account in my credit file. I have done everything under the law to prove this account was open in a fraudulent matter with no response from the creditors and the experian company. I've taken the extra step to attach my FTC and Police report in another attempt to clear my name.

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 2019-05-08 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: Northstar Location Services, LLC
State: CA

Complaint narrative:
I sought the help of XXXX XXXX XXXX to help pay off my debt rather than file for bankruptcy. XXXX XXXX XXXX was one of the creditors I enrolled in the program. XXXX XXXX XXXX turned the account over to Northstar Location Services LLC. On XX/XX/XXXX, they accepted a settlement with XXXX in the amount of {$1500.00} to be paid in 11 monthly payments with the last payment made on XX/XX/XXXX. The account is PAID in accordance with our settlement agreement. In spite of the fact that regular monthly payments were made to the account for the past 11 months, XXXX XXXX continue to inaccurately report the status of my account to all three credit reporting agencies ( XXXX, XXXX & XXXX ) as follows : ( 1 ) Balance - {$4100.00} and Past Due Balance as {$4100.00}, ( 2 ) Payment history shows " CO '' Collection from XX/XX/XXXX to present. ( 3 ) Payment Status shows charge-off instead of " Paying ''. As you know, even if an account had gone into collections, a continuous payment history over time and lowering the balance helps to improve one 's credit score. Since XXXX XXXX XXXX refuse to report the details of my account accurately, they are deliberately trying to hurt my reputation and defaming my character, and preventing my credit score from improving over the past 11 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Perfection Collection
State: GA

Complaint narrative:
I received a collections letter in the mail dated XX/XX/2019 from the company, Perfection Collection regarding a joint account in my name with the original creditor, XXXX for which I had no knowledge. I called Perfection Collections to make them aware that this was not my account nor was I ever aware of such account and I had not signed any contract for this account nor authorized anyone to sign on my behalf. 

I then called and emailed XXXX on XX/XX/2019 disputing the account, requesting a copy of the contract, and asking that it be voided and the account removed form my credit report. I also mailed certified letters to both XXXX and Perfection Collections requesting the same in XXXX. XXXX responded to my email to their risk department on XX/XX/2019 via phone and email stating that they had researched my issue and that my name would be removed from the account and that the collections would stop and any credit inquiry done would be removed within 30-90 days. Perfection Collection responded to my letter in XXXX by re-sending their initial collections letter and the original contract with XXXX. I sent a 2nd letter via certified mail Perfection Collection in XXXX, 2019 and included the contract, my signature, the email from XXXX, and explained that the contract falsely listed my name and a relative 's name but has none of my personal information ( email address, physical address, phone number, etc. ) and that the signature on the contract was not mine and it did not spell my name correctly. I once again asked that they remove the account from my credit report immediately. As of XX/XX/2019 they are still reporting this account on my credit report, I am still receiving calls from them attempting to collect and threatening judgement and I have not received a response to my second letter regarding the obviously fraudulent contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 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: GA

Complaint narrative:
There is an issue with an old account that is reporting on my credit report that should not be there. I had an issue with an account that was related to an injury that happened in XX/XX/2010, yet it is still reporting on my credit information. I have tried to investigate this with both the company ( XXXX ) and Equifax, yet there is an issue with this STILL showing on my credit report stating that I owe {$130.00}. This needs to be removed off my credit report, yet it is still showing up. All that I ever receive is these notices from XXXX stating that I owe this money that I do not owe. This is way past the statues of limitations regarding it showing up on my report. This alleged debt is over 9 years old, yet there is nothing that I have gotten from them that validates that this is correct debt. I had insurance at the time and this needs to be removed. I have sent SEVERAL requests to have this validated and still nothing has been resolved. This needs to be removed from my credit report at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
Trans Union is converting police reports to a XXXX  numeric code which sent to the debt collectors who are not getting the police reports and instead are getting numeric codes and marking identity theft and accounts closed due to fraud as verified. This is a crime. I requested for Trans Union to NOT use the XXXX system and send the physical documentation to the debt collectors which they are required under federal laws under the provisions under 609 from the FCRA. They have failed to do so. 

Detective XXXX XXXX XXXX XXXX XXXX Police have completed all necessary investigations into the matter and has marked the police reports as final. And that no further police reports are needed from their department. 

Police Reports XXXX-REPORT NUMBER : XXXX XXXX-REPORT NUMBER : XXXX XXXX-REPORT NUMBER : 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 2019-05-08 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: UT

Complaint narrative:
Experian has converted my police reports to XXXX numeric codes which then are sent to the debt collectors. The debt collectors are not receiving the detailed police investigation documentation to remove the accounts. Instead the accounts are coming back as 100 % verified and accurate which they are not and violate the rules under 609 for 100 % complete accuracy of the investigation. 

Detective XXXX XXXX XXXX XXXX XXXX Police has finalized the police reports the files are permanent and no additional police reports will be issued therefore I am requesting the CFPB to get involved in this matter. 

Police Reports XXXX-REPORT NUMBER : XXXX XXXX-REPORT NUMBER : XXXX XXXX-REPORT NUMBER : 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 2019-05-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquires which qualified for deletion 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 non-monetary relief
Consumer complaint received 2019-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: D. SCOTT CARRUTHERS
State: CA

Complaint narrative:
I have been receiving repeated calls from this company called Scott D. Carruthers office of law, a collection company in behalf of XXXX for a loan that I took out years ago. I have written them a cease letter not to contact me since they did not send me anything about this alleged debt in the past. However, they have also contacted my children who are in college and threatened them that they're going to take me to court and sue me. They have also contacted other relatives of mine including my parents and siblings revealing to them this alleged debt. My children are distracted during their finals weeks because they keep calling them from different numbers after they block them and told the to have their money call them and that it is very serious revealing I owed a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 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: HCFS Healthcare Financial Services of TeamHealth
State: GA

Complaint narrative:
There is an issue with an old account that is reporting on my credit report that should not be there. I had an issue with an account that was related to an injury that happened in 2010, yet it is still reporting on my credit information. I have tried to investigate this with both the company ( XXXX ) and XXXX, yet there is an issue with this STILL showing on my credit report stating that I owe {$130.00}. This needs to be removed off my credit report, yet it is still showing up. All that I ever receive is these notices from XXXX stating that I owe this money that I do not owe. This is way past the statues of limitations regarding it showing up on my report. This alleged debt is over 9 years old, yet there is nothing that I have gotten from them that validates that this is correct debt. I had insurance at the time and this needs to be removed. I have sent SEVERAL requests to have this validated and still nothing has been resolved. This needs to be removed from my credit report at once.

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 2019-05-08 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: BMW Financial Services NA, LLC
State: NY

Complaint narrative:
Not mine. Section 609 states that you're required to send me the paperwork associated with this account. Furnish or remove. Section 623 states that the creditor can not continue to report it when disputed, unless they have proof to the contrary

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 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: MN

Complaint narrative:
Dear Experian Im writing to file a complaint I have been disputing XXXX bank accounts XXXX XXXX I have been disputing this account with you since XX/XX/XXXX XX/XX/XXXX I need to Know how is these 2 accounts reporting on my credit file per the FCRA 623 AND FDCPA B state that the creditor MUST MUIST enter a noticed of dispute. IF THIS IS NOT ENTERED THE ACCOUNT CAN NOT I REPEAT CAN NOT REPORT ON THE CREDIT REPORT this has been since XX/XX/XXXX Please delete these Two accounts ASAP FCRA VIOLATION

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 2019-05-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquires which qualified for deletion 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 2019-05-08 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: FL

Complaint narrative:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquires which qualified for deletion from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have repeatedly asked for validation regarding the XXXX bill that is showing on my credit report account, yet I am still unable to receive any information regarding why it is showing on my Transunion credit report. I need to have this item removed from my credit report. Transunion has failed to send me any documents that supports this being on my credit report. I dont owe XXXX XXXX any money and need to have this 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 2019-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Follow Up to COMPLAINT ID XXXX The bank has been calling me every two to three hours from XXXX XXXX until XXXX EST, ( my time ). I am writing to request that the bank stop calling

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 monetary relief
Consumer complaint received 2019-05-08 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:
The trans union company continues to report this inaccurate account in my credit file. I have done everything under the law to prove this account was open in a fraudulent matter with no response from the creditors and the trans union company. I've taken the extra step to attach my FTC and Police report in another attempt to clear my name.

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