vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-19 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: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX {$2100.00} UD DEP ED XXXX {$9200.00} XXXX XXXX {$2000.00} XXXX   XXXX {$4000.00} US DEPT ED XXXX {$6800.00} XXXX XXXX {$4000.00} US DEP ED XXXX {$4000.00} XXXX XXXX XXXX XXXX {$610.00} XXXX  XXXX {$200.00} XXXX   XXXX {$200.00} XXXX  XXXX {$240.00} XXXX  XXXX {$150.00} XXXX  XXXX {$320.00} XXXX  XXXX {$220.00} XXXX   XXXX {$300.00} XXXX XXXX {$1200.00} XXXX XXXX  XXXX {$180.00} XXXX   XXXX  XXXX {$610.00} XXXX XXXX XXXX {$820.00} XXXX   XXXX {$480.00} DPT EDXXXX XXXX {$2300.00} DEPT OF ED/XXXX XXXXXXXX XXXX {$2300.00} XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX XXXX XXXX {$560.00} XXXX XXXX  XXXX {$1400.00}

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 2020-03-19 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: FL

Complaint narrative:
I did not recognize any if these accounts because on that period of time I did not visit hospital. Somebody used my personal information. Please remove incorrect information from credit report as soon as possible because it does not belong to me. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - 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. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. 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 listed below. I demand the following accounts be verified or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Clarity Services
State: CA

Complaint narrative:
Good Afternoon, I contacted clarity services after receiving an alert on my credit file of an inquiry. After contacting company I explained to company Ive been a victim of identity theft since XX/XX/2007. 

Ive had numerous bank accounts, housing and credit opened on my name. Clarity services provided me a credit file that had incorrect information listed - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX Ive disputed XXXX XXXX - debt collector for XXXX XXXX is XXXX XXXX XXXX. XXXX XXXX XXXX  sent documentation to be removed from credit file/ all other credit Bureaus have complied with removal however XXXX  and Clarity Services has not removed XXXX or XXXX  XXXX XXXX which is the collection agency for XXXX. 

Attached is the letter from XXXX XXXX XXXX  for removal. 

XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX   are fraudulently opened accounts. To open account in my name company must ask identifying questions and contact me via phone. I never received a phone call from any of these companies. 

Attached are copies of police reports from XX/XX/2007- now. Also attached is my -fraud Alert on my credit file. 
- report verification from clarity services. 
- letter sent of most recent attempt from clarity services. 

I have done my due diligence in contacting CFPB, FTC filing Police Reports, Registering on all major credit bureaus as an Identity Theft victim. This has been a nightmare. Please Help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax are provides inaccurate information in my credit report where it is causing hardship in my credit score points and provides old credit report that should be removed. 

They are still reporting information that are over 7 years old in which need to be removed. 

XXXX and XXXX  have updated and removed all credit reports that are over 7 years old in my credit reports, with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I went over a copy of my new credit report it contained same errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is defaming the integrity of my credit file. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So, I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. Please delete/remove the following unverified accounts 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 explanation
Consumer complaint received 2020-03-19 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: NY

Complaint narrative:
Experian as of XX/XX/XXXX, still reports Unverifiable, inaccurate and multiple fcra violations on account : XXXX and XXXX XXXX. 

: Account is in violation for not reporting last date of payment. 

: Account was last updated in XXXX of XXXX even though I dispute this account back in XXXX of XXXX, a violation : Account currently doesn't report last date of activity as required by law a 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 2020-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: AZ

Complaint narrative:
On XX/XX/2020, a letter was created by Credit Collection Services in XXXX, MA stating my account was sent to them for collection from XXXX XXXX XXXX. 

I received the letter on XX/XX/XXXX in XXXX, AZ at which point I immediately opened up their payment website, was offered a 3 month payment plan, and accepted it with a payment for {$89.00} due immediately. The 2 subsequent payments were paid on XX/XX/XXXX and XX/XX/XXXX respectively for a total of {$260.00}. The account is now paid in full. 

Today, XX/XX/XXXX, I received notice from XXXX  that an account was placed for collection on XX/XX/XXXX from the same Credit Collection Services for the account that not only was addressed in a very timely manner, but also 2 out of 3 payments were made with the XXXX being paid off in full 4 days later. 

I called the company CCS and requested to understand why they intentionally tried to damage my credit and the representative said he can do 2 things : send me a letter saying the account is paid in full, and let the credit bureau know within 10-14 days that the account is paid. I told the rep that is not good enough. They are intentionally ruining consumer 's credit for absolutely no reason whatsoever. They received their monies, the accounts paid in full so why is it necessary for you to report it the credit bureau. 

I am XXXX years old, a XXXX XXXX  severely impacted by the XXXX  crisis, I've paid my debts to society, haven't had a collection in over a decade and I am trying to buy a house after renting for over 20 years. I've worked my XXXX off to get where I'm at and companies like this make me sick. This predatory and unnecessary action has totally jeopardized my highly-prized and highly protected credit bureau. 

This company should be ashamed of itself.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 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: NRA Group, LLC
State: NY

Complaint narrative:
I checked my credit monitoring services and i noticed some unfamiliar accounts that I believe to be fraudulent on my profile. I would like these account removed as soon as possible.

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 2020-03-19 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: ERC
State: NY

Complaint narrative:
I checked my credit monitoring services and i noticed some unfamiliar accounts that I believe to be fraudulent on my profile. I would like these account removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 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: FL

Complaint narrative:
I did not recognize any if these accounts because on that period of time I did not visit hospital. Somebody used my personal information. Please remove incorrect information from credit report as soon as possible because it does not belong to me. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - 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. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. 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 listed below. I demand the following accounts be verified or removed immediately.

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 2020-03-19 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: FL

Complaint narrative:
I did not recognize any if these accounts because on that period of time I did not visit hospital. Somebody used my personal information. Please remove incorrect information from credit report as soon as possible because it does not belong to me. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - 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. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. 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 listed below. I demand the following accounts be verified or removed immediately.

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 2020-03-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX @ XXXX hours I received a call ( phone # XXXX ) from a man claiming to be XXXX XXXX of Caine & Weiner ( Im guessing a debt collection agency ) & stated they were a contracted company out of the City of XXXX Finance Department. He stated that I had not filed/reported for a business license renewal for the year XXXX. Well Ive never applied for a business license first of all, & secondly while I do in fact run a small business, all of my quarterly income & applicable taxes have been reported & filed with the city. My XXXX is in good standing. I believe he obtained my business name & an old address that I did business out of for less than 2 months possibly from discarded mail from that old location. He stated that if I didnt provide proof of this filing that the $ 3k+ debt would remain in collections. I have already updated my address info with the city regarding my business long before I received this call ( obviously a red flag ) so any legitimate paperwork would have been received at this updated address. At this time, Ive received nothing. I asked where I could send the proof & he gave me an email address of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: TN

Complaint narrative:
My complaint is with CMC funding who is mh mortgage company, they have no customer service at all ever I have been calling them for months trying to set up auto pay because it's such a hassle to get into their system and pay manually every month. I've tried numerous times to set it up online and everytime the system is down it seems so scammy!

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 2020-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: MN

Complaint narrative:
I was contacted by XXXX XXXX XXXX on XX/XX/2020 stating that I owed {$2300.00} to a company called XXXX for an XXXX. I was confused at first and then stated to them that I never made this purchase. I filed an identity theft report with the FTC and sent letters to both XXXX and XXXX XXXX that I did not make this purchase and that I was a victim of identity theft. They sent me a lease agreement that I have never seen and it did not have my signature, but a digital signature with an address that I never lived at or recognized. I looked up the address and it is for a hotel. So without a confirmed address or Social Security number or drivers license how can a legitimate company give someone property in my name and expect me to pay for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY
State: WV

Complaint narrative:
I purchased a new vehicle for $ {$23000.00} in XXXX, WV on XX/XX/XXXX. TD Auto sent me a Title to my car in their name and in the State of Virginia, NOT West Virginia and in my name as it should of been. They sent a Statement of No Interest to me dated XX/XX/XXXX where they stated in writing that " Our ownership was listed in error ''. TD Auto sent my financial institution a Lien Release/Termination Statement dated XX/XX/XXXX with the original Title ( Virginia Title ). I have called TD Auto numerous times to try to resolve this matter and have them fix the mistake they made in sending me the wrong Title to my car. They refuse to help me even though they admitted it was their error. I have been dealing with the Virginia DMV for several months trying to get the Title corrected but they want me to pay Sales Tax on the vehicle in Virginia when I already paid them in West Virginia when I bought my car. I have tried and tried to get TD Auto to correct their mistake and they refused every time I contacted them. I was told over and over again that they do not send Titles and can only send me a Statement of No Interest. If this was true how did they send me the original Title in their name then? TD Auto will not do ANYTHING to help me resolve THEIR mistake and issue me a new Title in my name. TD Auto has caused me so much anxiety over their actions. I need the Title to my car, I paid for it and I legally should have been given the correct Title.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One Auto finance - XXXX - is trying to collect and report a negative debt to my credit but it has been paid some time ago. They are reporting erroneously

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Portfolio recovery associates is still reporting on my credit report, with representatives STILL CONTINUING to call OBNOXIOUSLY at ALL HOURS of the day, IM CONSTANTLY HUNG UP ON by RUDE AND DISRESPECTFUL representatives. 
On XX/XX/2020, I sent them a DV, and they replied by asking me to fill out an " affidavit of identity theft ''. I never received it in the mail nor any paperwork they stated they mailed out to me. After the 30 day time frame for portfolio recovery associates to given to validate the debt, I received a computer generated statement stating the original creditor, account number, amount, the last four of my social security number along with my first and last name. I sent them a letter demanding them to delete the account due to NOT validating the debt with the 30 day frame. The account is still showing up on my credit reports. 

On XX/XX/2020, A Female supervisor inform me that shes NOT allowed to verify the info over the phone but demanded I give her my information. She first lied to me that PRA never received my DV letter and then put me on hold for 10 minutes then to tell me they did receive it. She refused to provide any information over the phone. She then raised her voice at me stating that PRA sent everything to me, and to deal with it myself and hung up. 

On Friday, XX/XX/2020, another male supervisor, refused to provide his name, refused to provide any info over the phone but demanded I provide my bank information. I told him to provide me wikth details of the account and as to why the account hasnt been removed due to PRAs failure to properly respond to a DV letter in a 30 day frame. He hung up. 

On Friday, XX/XX/2020, A male supervisor informed me of what his system showed on the account as : " This debt originated as a XXXX XXXX [ account number ]. The account was opened on [ date ]. the credit card was charged off on [ date ] at a balance of [ x dollars ]. The last payment received from you was on [ date ]. XXXX sold this debt on [ date ]. Portfolio Recovery Associates,  LLC, on whose behalf we are authorized to collect this debt, is now the owner of this debt. 
The male supervisor then raised his voice yelling at me that neither he nor PRA is required to validate any debt since they dont have the time and dont make commission and then hung up. 

Due to FAILURE of validation the debt within 30 days given, the account is CONTINUING to appear on my credit reports WHILE still CONTINUING TO RECEIVE HARASSING CALLS, I DEMAND DELETION of this account IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief