vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-19 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: TRANSWORLD SYSTEMS INC
State: CO

Complaint narrative:
Transworld Systems Inc : Your letter states it is your intention to work with me to resolve the collection. The letter also states due to unforeseen circumstances I may not be able to pay in full and could offer payment options. I spoke with one of your trained representatives whose name and number is written on the letter with 3 payments listed for {$280.00} with a confirmation number. I was told by making the payments it would not be reported on my credit. 
Secondly, I made the 3 payments of {$280.00} on XX/XX/15, XX/XX/15 and XX/XX/15. This is not how it is reflected on my credit. I have 4 adverse accounts listed from this one collection. Despite paying as promised and you reporting despite promising you wouldnt my credit lists derogatory public record or collection filed. 
Lastly, you told me to have no further communication with you and to contact XXXX. You sent the letter to me, arranged for my payments and then you reported me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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: CBC Companies, Inc.
State: MN

Complaint narrative:
Every account and all the adverse information listed on my Innovis consumer report, is fraudulent accounts and inaccurate information. I shouldnt have any adverse information or fraudulent accounts listed on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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: NE

Complaint narrative:
I have fell victim to identity theft we have uploaded all the required documents on 3 different occasions since the beginning of XXXX. I have also called each credit bureau and each time Im told to just dispute the charges. These are not my accounts and no one is helping me get them blocked and the companies arent removing either. Each time they respond or I get them on the phone they state the FTC theft reports are not real because of formatting? And the gray box below the signature that is per of the report looks like marker? but yet they are downloaded directly from the FTC website and they tell me they will just dispute it and then leave the information on our reports! They have ignored the 4 business day FCRA block and I have talked to multiple representatives. The email responses state the FTC is not a legitimate law enforcement agency? Please this is ruining my life and we can not obtain a mortgage due to these fraudulent accounts. I have uploaded theft reports, irs theft reports, dmv crime fraud department reports and letters including letters specifically stating what is fraudulent and letters sent to the providers of the incorrectly reported information.

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 2020-08-19 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I check my credit report and notice some things that shows inaccurate information. These accounts are stopping me from getting a loan approval. The account listed below should be deleted on my Credit report. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Would appreciate you helping me here. Thank you. 



DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX   XXXX DEPTEDXXXX XXXXXXXX

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 2020-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NE

Complaint narrative:
I have contacted this company for years to report that this is fraudulent, attempted disputing, sent letters, emails and they are now sueing me!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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: TX

Complaint narrative:
I HAVE INFORMED EQUIFAX MORE THAN ONCE THAT I AM A VICTIM OF IDENTITY THEFT. I HAVE INFORMED THAT XXXXXXXX XXXX WAS A FRAUD ACCOUNT YET THEY STILL REPORT IT. ON XX/XX/2020 ON COMPLAINT XXXX THROUGH THIS PORTAL XXXX XXXX COMPANY INFORMED ME AND CFPB THAT THE CREDIT AGENCIES WERE INFORMED TO DELETE THIS ACCOUNT YET EQUIFAX FAILED TO DO AS THE COMPANY INFORMED THEM. I WOULD LIKE THIS ACCOUNT REMOVED IMMEDIATELY. EQUIFAX IS IN VIOLATION

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
I requested kindly that CREDIT ACCEPTANCE CORP provide legal documentation regarding information transmitted to the credit reporting agencies for me. With regard to the asserted account XXXX. I am asking for a contract between myself and CREDIT ACCEPTANCE CORP. I hereby request that your company delete this account from my credit report and stop all contact with me. Pursuant to the Fair Dept Collection Practices Act, 15 U.S.C. section 805. You are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. CREDIT ACCEPTANCE CORP is trying to collect on a account and enforce a claim that I do not recognize ever doing any business with XXXX XXXX. Should you not be able to provide such lawful documentation during this reasonable period, any information communicated by CREDIT ACCEPTANCE CORP should not be deemed truthful and may bespeak your disregard for consumer protection statuses. Please delete this fraudulent account at once. I also had a fraud account from CREDIT ACCEPTANCE CORP for account XXXX as I have never had an account of done any business with his company.

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 2020-08-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
Under my total student loans there is one that has listed navient as one serving the loan. This loan states it was given in 2006. Although I did take loans in 2006 they have since been paid off. Since this time I have had to pay numerous times " outstanding balances '' to receive transcripts, enrolled at another college and again to reenroll again. The loan at one point affected my credit so badly, I was unable to rent an apartment while XXXX  they were harassing me and threatening to garnish my wages if I did not paid them more then 60 % of my income I was making while XXXX  

I am currently looking to consolidate my loans again this particular loan states : they don't offer consolidate options because it is a private Stafford loan. I also requested promissory not and details regarding the loan that navient fails to provide me. It lists multiple places i had the loan in forbearance while I was in school or deferment ... .. none of which I agreed too. I was able to provide documentation that the debt was removed from one of.tye reporting agency 's and have recently disputed it in another credit agency. Most recently they are reporting that the loan is in default with credit agency 's and it is not on default not do I believethe loan is legit. I absolutely have student loans but this agency has mislead and lied to me regarding one of the loans. I would like the original loan reviewed, as all.my attempts to retrieve documentation regarding it have been unuccessfully.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I filed a dispute with Transunion in regards to an account with XXXX XXXX XXXX  which stated that I was late paying my account 3 times which is false. I asked Trans union to send me a copy of the of the results of the investigation. I also requested that they send me proof via a document with the response from the Bank and informed them that I would not accept verification via e-Oscar or any other form of electronic verification system. I requested a formal response from the bank verifying what they are reporting on my file. Trans Union is refusing to follow the law and continues to report late payments on my report. I do not believe they are following the law and request and investigation into their practices. My next step is to involve an attorney and request damages for reporting false information.

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 2020-08-19 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: KS

Complaint narrative:
Where do I begin. The credit bureaus service no purpose. They are created to destroy peoples lives and there is nothing we can do about it unless someone in power takes a stand an abolish all three of the companies. Since the pandemic, my XXXX XXXX  and personal life has been affected due to the Covid-19 and the credit bureaus are making the matter worse. I reported with all my credits my financial situation and how my XXXX XXXX has shutdown due to this crisis. The government has instructed the credit bureaus to not report consumers late on their credit report and they have disregard that request and my credit has dropped 250 points. I now have poor credit and I can't do anything to reverse this. I've made numerous disputes and the credit agencies keep saying it's under reinvestigation. Please hear me scream at the top of my lungs. How can these worthless folks still have jobs and they have ruined the lives of millions of people. I know I'm not the only one affected by this inhumane behavior. 

Due to the agencies reporting my creditors as late, many of my accounts were closed, the credit limit was reduced and my credit is messed up. Due to the incorrect reporting on my SSN, I was denied for both the PPP and EIDL government loan for my XXXX XXXX. The lender refuses to reconsider due to my poor credit. This undue hardship to my life is devastating. My XXXX XXXX  is in limbo and my personal life is no more. I need someone to take this complaint serious and help me. I don't know what else to do. These agencies need to be held accountable for their bad practices.

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 2020-08-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: GA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: AL

Complaint narrative:
I was given a car loan from Santander, They gave me a 20 % interest rate. You usually have to show proof of income and theyd call your place of employment. They never contacted an employer, nor did they ever verify my income. 
They wanted {$300.00} down and I gave it to them, and they gave me the keys. I tried to be responsible and tried to rebuild my credit, but that wasnt the case. I couldnt make ends meet half the time. Payments were {$420.00} a month and, as a single mom, it was often hard to make the payments. I reached out to them and I couldnt get lower payments. I stopped paying in XX/XX/2019. The car was repossessed in XX/XX/2019. I was left in distressed financial ruins and ruined credit. 

I would like this account removed from my credit report, because I was mislead and given this car loan without the proper analysis to determine whether or not I could actually make the payments. I feel as if I was preyed on by Santander.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Persolve, LLC - Legal - Series 2
State: GA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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:
I check my credit report and notice some things that shows inaccurate information. These accounts are stopping me from getting a loan approval. The account listed below should be deleted on my Credit report. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Would appreciate you helping me here. Thank you. 



DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX   XXXX DEPTEDXXXX  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 2020-08-19 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: NY

Complaint narrative:
I check my credit report and notice some things that shows inaccurate information. These accounts are stopping me from getting a loan approval. The account listed below should be deleted on my Credit report. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Would appreciate you helping me here. Thank you. 



DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX   XXXX DEPTEDXXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: NJ

Complaint narrative:
I requested kindly that MRS ASSOCIATES provide legal documentation regarding information transmitted to the credit reporting agencies for me. With regard to the asserted account XXXX. I am asking for a contract between myself and MRS ASSOCIATES. I hereby request that your company delete this account from my credit report and stop all contact with me. Pursuant to the Fair Dept Collection Practices Act, 15 U.S.C. section 805. You are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. MRS ASSOCIATES is trying to collect on a account and enforce a claim that I do not recognize ever doing any business with XXXX XXXX. Should you not be able to provide such lawful documentation during this reasonable period, any information communicated by MRS ASSOCIATES should not be deemed truthful and may bespeak your disregard for consumer protection statuses. Please delete this fraudulent account at once. I also had a fraud account from MRS ASSOCIATES for account XXXX as I have never had an account of done any business with his company.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-19 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: AL

Complaint narrative:
I am a victim of identity theft, please remove these fraudulent accounts from my credit report. I never authorized any off these accounts, I am a victim of fraud and these accounts on my credit report are further victimizing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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: AL

Complaint narrative:
I am a victim of identity theft, please remove these fraudulent accounts from my credit report. I never authorized any off these accounts, I am a victim of fraud and these accounts on my credit report are further victimizing me.

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 2020-08-19 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am a victim of identity theft, please remove these fraudulent accounts from my credit report. I never authorized any off these accounts, I am a victim of fraud and these accounts on my credit report are further victimizing me.

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 2020-08-19 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX is fraudulent on my Acct # XXXX. XXXX/XXXX  is fraudulent on my Acct # XXXX. 
XXXX is fraudulent on my Acct # XXXX. 
XXXX is fraudulent on my credit Acct # 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 2020-08-19 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Around XX/XX/XXXX I received a notification from Experian that my credit score had dropped 20pts. As I looked to investigate the cause. I noticed an alerted stating a New late payment within the last 60days had been reported. I looked a little further to see from which agency it came from, as I know None of my payments are late, and it seems to be reported from an acct that was charged off a few yrs bck which does not have a monthly payment requirement. I then screenshot all of proof and filed a dispute. Only to get a response that the agency reported correctly. I am very upset with the decision as I dont think it was fair at a time like now to inaccurately drop my score 20pts for a late payment that did not occur.

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 2020-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Please be advised that Im exercising my rights as spelled out by the Fair Credit Reporting Act in Section 609. I am requesting information about the following 2 items on my credit report. 1. Capital One account # XXXX and 2. Capital One account # XXXX Please provide me with copies of the original sources for the items reported. That includes contracts or service agreements I signed. If this information is not available, please note that the validity of these items can not be determined. Please remove them from my credit history. My identity was stolen in XXXX and there were purchases that were made on my accounts that were not my charges.

Company response to consumer: Closed with non-monetary relief