vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
Ive just paid for a copy of my credit reports, and reviewed my credit file as is being reported with XXXX XXXX XXXX, and noticed there is an inaccurate account and/or item on my report. This means that the below listed accounts were not opened by me, and that I did not profit from these accounts having been opened. As per section 609, I am entitled to see source of the information, which is the original contract that contains my signature. 


Radius Global Solution collection account is fraudulent Original Creditor is XXXX  XXXX XXXX and the account was paid in full on XX/XX/2020. Please find the attached receipt from 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 2020-10-25 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: Collection Management Services, Inc.
State: MN

Complaint narrative:
XXXX. 
Account # XXXX Account opened XX/XX/2016 amount {$410.00}. 

Contact Information : Contact XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Collection management, original creditor Advanced What Happened? 

These are medical debts that have been disputed with personal phone calls and I believe the original bills are re-generating themselves. 
I would like these inaccuracies to be investigated and removed from my credit file,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 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: VA

Complaint narrative:
I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I do not have access to the documents related to these accounts, but the creditors would.

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 2020-10-25 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: VA

Complaint narrative:
I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I do not have access to the documents related to these accounts, but the creditors would.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Last year I rented my apt to various people as XXXX. During that time when I arrived home several months ago I noticed that my credit report had a credit card from SYNCB ASHLEY FURNITURE. I immediately contacted them and they said not to worry that I would not be responsible for the opening of the fraudulent card and transactions. I also need to note that the ironic part is that the fraudulent credit card shows that payments were made and they even had the furniture delivered to the apartment I was renting. I later found out that payments were being made moreover so I would not notice that the fraudulent credit card was ever opened I would have to guess. I received a letter from SYNCB stating the fraudulent credit account is being removed from my credit report and I would have to wait 60 days. Upon the 60 days I received another letter finalizing my dispute and being that payments were made I am responsible for an application I never authorized or approved.

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 2020-10-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
This is in direct violation of the predatory multi state Landing class Action Settlement with Santander consumer USA I was denied any type of Extension or relief XXXX XXXX is the number one on the auto loan co sign is XXXX XXXX Santander consumer is trying to remove XXXX XXXX an is not in any bankruptcy! 

Due to the ( multi state class action settlement ) with Santander consumer USA. XXXX XXXX Should be relieved of his day and paid in full for any money spent is a reimbursement

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
1. My vehicle was hit in XXXX XXXX, 2020 and declared at first " Total Loss '' by the hitter 's insurance company, XXXX XXXX. However, I and the insurance company agreed later that my car could be fully saved after repair simply because the damage occurred to trunk only and the mechanical function was never affected by this accident. Therefore, the insurance company paid all repairing cost and the repair was completely done in XXXX. I also achieved the certificate of no mechanical error from the California State government-designated mechanics. 

2. I contacted the California DMV to renew the registration in May, but they said my car was still in salvage status that the Hyundai Motor Finance ( HMF ), the lender for my vehicle, should cancel salvage. The DMV also wanted me to bring a copy of title or lien. 

3. From XXXX, I have contacted HMF and they did not know how to handle this request from DMV. Their insufficient understanding of job knowledge dragged this problem until XXXX. Finally they wanted to receive the cancelation notice of total loss from the insurance company, XXXX XXXX and so XXXX emailed this notice to HMF 's total loss department on XXXX, 2020. Despite numerous contacts with HMF 's customer service which has required 30 to 90 minutes each time, they answered their computer did not show the receipt of notice and so wanted again another email from insurance co. The insurance company again sent an email to total loss dept. of HMF on XXXX XXXX. The insurance company always forwarded me their emails. 

4.Since XXXX XXXX, I have contacted the customer service five times to check if their total loss dept. received the notice from insurance co. However the customer service staff and their supervisor as well again did not know what was going on with their total loss dept. saying apology and asking to wait one or three days or a week. On XXXX XXXX, the supervisor, XXXX, wanted the insurance co. to fax the cancelation notice to their total loss dept. I repeated this ridiculous action asking the insurance co.to send again notice by fax. 

5. Due to failure to respond this simple request on time, the Cal DMV accrued the penalty. And I even was not able to drive this car since XXXX. 
That's why I sincerely look forward to the CFPB 's help in dropping the salvage and covering the loss of my time and DMV 's penalty by Hyundai Motor Finance. 
Thanks you.

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 2020-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX XXXX. XXXX  XXXX XXXX, SC XXXX Date : XX/XX/XXXX Re : Account Number:XXXX This letter is in response to your credit report entry on XX/XX/XXXX related to the debt referenced above. Please be aware that this is not an acknowledgment or acceptance of the debt, as I have not received any verification of the debt. Nor is this a promise to pay and is not a payment agreement unless you provide a response as detailed below. 

I am aware that your company has the ability to report this debt to the credit bureaus as you deem necessary. Furthermore, you have the ability to change the listing since you are the information furnisher. I have disputed this account for three years, I have requested proof of debt a sign contract regarding this card belongs to me with the date of the contract. XXXX XXXX XXXX has been unable to provide a sign contract to me. I have received multiply times a copy of a statement from Capital One dated XX/XX/XXXX. This statement is not proof of debt. ( Please send sign contract ) I have contacted your location and been advised that XXXX is not the owners of this account. Due to not getting the credit record removed, I will have to report this account to the XXXX  XXXX XXXX XXXX as fraud as well to all reporting agencies. Further reporting of this account on my credit file will lead to legal action. 

As granted by the Fair Debt Collection Practices Act, I have the right to dispute this alleged debt. If I do not receive your postmarked response within 15 days, I am request full verification of this debt and ownership of account along with the transaction report of how much XXXX bought this account for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 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: MD

Complaint narrative:
Dear Consumer Financial Protection Bureau, TransUnion stated in their response to my complaint : CFPB file # XXXX, That XXXX XXXX XXXX XXXX XXXX XXXX XXXX who is the creditor and also the data furnisher is right about the status of the inaccurate account on my credit report. 
Please be advised that this is the type of stall tactics that Transunion has been using against me for more than a year instead of deleting this inaccurately reported account from my credit report. 
I did not dispute the status of the account rather i am disputing the following incorrect information : * The date of last payment reported by TransUnion is XXXX. This information is incorrect as i have attached a statement from ( XXXX ) showing the date of last payment for review. 
* TransUnion reports the account as been 60 days late in XX/XX/2018 again this reporting is erroneous since i made a payment in XX/XX/2018. You can also verify this information in the attachment.

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 2020-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: FL

Complaint narrative:
Hello- Yes I have an account showing as negative on my credit that does not belong to me. I have contacted XXXX  as well as the company itself. I have no knowledge of this account. Whenever I contacted the Creditor, they were unable to provide me with documentation for the amount that they are claiming is mine. {$1800.00}. I pay all of my bill on time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 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: MN

Complaint narrative:
XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$1400.00} Balance updated XX/XX/XXXX. 


XX/XX/XXXX Account type Collection Department XXXX Agency / Attorney Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$1400.00} Payment Info Original loan amount {$1000.00} Balance {$1400.00} Status date XX/XX/XXXX. 


These were for medical bills. 
These reported collections are innaccurate and are being re-generated and are re-generating themselves. I have called on this matter. 
I would like this to be investigated and 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 2020-10-25 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: FL

Complaint narrative:
Hello, I reported that my name and address was reported incorrectly on my credit report, It was responded that they could not fix the problem, because they didn't have amounts, account numbers, etc. They would not have account numbers because I am only discussing that my name and previous address is incorrect.

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 2020-10-25 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: FL

Complaint narrative:
Hello, I reported that my name and address was reported incorrectly on my credit report, It was responded that they could not fix the problem, because they didn't have amounts, account numbers, etc. They would not have account numbers because I am only discussing that my name and previous address is incorrect.

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 2020-10-25 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: FL

Complaint narrative:
Hello, I reported that my name and address was reported incorrectly on my credit report, It was responded that they could not fix the problem, because they didn't have amounts, account numbers, etc. They would not have account numbers because I am only discussing that my name and previous address is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 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:
XX/XX/2020 U.S.P.S. Tracking # XXXX. 

Equifax To Whom It May Concern : Please be advised in my previous letter to you, dated XX/XX/2020, I provided sufficient information to you requesting you to block the reported information under the provisions of FCRA 605B, and it was NOT a dispute under the provisions of FCRA 611. Please be advised that Equifax, at this time and pursuant to section 605B ( c ) of the Fair Credit Reporting Act, is not blocking the information subject to the submitted Identity Theft Report and/or Police report provided to you as part of my dispute. Your lack of immediate response clearly violates my rights according to 605B. I reiterate my requirement from the XX/XX/2020 letter and demand that you take appropriate action to immediately block this information from my credit report. XXXX  has deleted the reported information, and blocked the reporting of these from my current report. XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX .Agencies must block identity-theft-related information. XXXX adds a new section, 605B, to the FCRA that requires agencies to block identity-theft related information within 4 days of receiving specified information : proof of the consumers identity, a copy of an identity theft report, the consumers identification of the fraudulent information, and the consumers statement that the information does not relate to any transaction by the consumer. The agency must also notify the furnisher of the block, and Furnishers must implement procedures to prevent them from re-furnishing such information ( to anyone, apparently, not just the notifying agency ) 15 U.S.C. 1681c-2 ( a ). Since you have failed to comply with FCRA requirements by not blocking thisinformation within 4 days from the letter date to you, I have filed this complaint with the CFPB for your failure to comply with XXXX  regulations. The law is very clear as to the Civil liability and the remedy available to me if you fail to comply with Federal Law. I am a litigious consumer and fully intend to turn this matter over to an attorney for review and possible legal action. I appreciate your prompt attention to this matter Sincere regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Lending Club Corp
State: GA

Complaint narrative:
The company lending club is reporting on my credit report and I can not get a loan or any type of job and he is affecting my life my credit report is being affected very badlyMy mother get approved for a loan and I was on a cosigner and she filed for bankruptcy and I am not in bankruptcy my name is XXXX XXXX But even though that it is in bankruptcy they still have it on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I submitted a dispute about fraudulent and inaccurate information on my credit report. And Trans Union and XXXX  are still reporting the information on my credit report illegally. At first I sent them the police report about my identity being stolen and they still didnt fully complete their investigation. They either said they can't honor my request or they verified the items. Which is illegal, how can you verify a fraudulent account? Im attaching the two letters I sent. These companies are still legally reporting. They also are taking forever to reply to my claim which is also against the law. I even filed a complaint with FTC and I plain to sue if necessary. I sent my first letter months ago, and they are still illegally reporting inaccurate items.

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 2020-10-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: SC

Complaint narrative:
Fair Collections & Outsourcing alleged that I owed XXXX to XXXX XXXX. My daughter lived at the apartment, but was harassed by management and had to leave in distress. She filed a complaint and they removed the item from her credit report. The company then placed on my report, thereby ruining my credit. Because of the harassment, this should be removed 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 2020-10-25 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: Phoenix Financial Services LLC
State: CA

Complaint narrative:
I received a call form Pheonix Financial Services in regards to an account that I had not knowledge of. I explained that it must have been a mistake and to send me and documents they had about the matter. Eventually I got a statement in the mail and that was it. I've sent letters certified mail and my requests have not been adhered to and ignored. They have now reported this to the credit bureaus which has caused my credit score to drop significantly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I submitted a dispute about fraudulent and inaccurate information on my credit report. And XXXX XXXX and Experian are still reporting the information on my credit report illegally. At first I sent them the police report about my identity being stolen and they still didnt fully complete their investigation. They either said they can't honor my request or they verified the items. Which is illegal, how can you verify a fraudulent account? Im attaching the two letters I sent. These companies are still legally reporting. They also are taking forever to reply to my claim which is also against the law. I even filed a complaint with FTC and I plain to sue if necessary. I sent my first letter months ago, and they are still illegally reporting inaccurate items.

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