vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I called XXXX XXXX to get tv service. While I was trying to set things up I was told that there had already been an account open under my name and that it had a outstanding balance due. I explained to them how incorrect that information was, but they told me that there was nothing they can do. My identity has been compromised and I decided to get my report pulled to see what was happening. I found several unknown accounts that are not mine except the XXXX  XXXX account they informed me about, maybe it still has not been reported, I'm not sure. Please get these fraudulent accounts off 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 2020-03-18 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 called XXXX  XXXX  to get tv service. While I was trying to set things up I was told that there had already been an account open under my name and that it had a outstanding balance due. I explained to them how incorrect that information was, but they told me that there was nothing they can do. My identity has been compromised and I decided to get my report pulled to see what was happening. I found several unknown accounts that are not mine except the XXXX  XXXX  account they informed me about, maybe it still has not been reported, I'm not sure. Please get these fraudulent accounts off 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 2020-03-18 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: AR

Complaint narrative:
I was informed by my cars salesman that I was not approved to finance a vehicle because of many derogatory items on my report. I then asked him to show me my report and there was a list of items that are not mine. Please remove these items from my report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Nelnet, Inc.
State: CA

Complaint narrative:
Received a text message from an Arizona number ( XXXX  ) XXXX asking me to call them at a number located in Washington State. 

Here is the exact text message I received : XX/XX/XXXX Alert : Your file is now pending review for the new forgiveness program. Can you give us a quick call at XXXX now for details? 

I have never received text messages before from my Federal student loan servicer ( Nelnet ). This message seems like a scam and I did not call or click on the phone number. 

I worry that this is an attempt to defraud and prey on student loan borrowers such as myself during a time of great stress & uncertainty.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
comenity bank. I have an account through XXXX XXXX   and I was told my minimum payments would be XXXX dollars per month now I got a statement for XXXX and my new minimum payments are XXXX I called Comenity bank on XX/XX/XXXX to rectify the situation and I was told that that is what my new payments would be but I havent received anything in writing about this increase. I was also told that XXXX dollars of the XXXX would be for interest and only XXXX would go to my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: VA

Complaint narrative:
The escrow analysis statement overstated my annual hazard insurance cost and understated my annual real estate taxes, resulting in an innacurate escrow analysis and an escrow payment in excess of what is necessary to maintain the correct cushion on my escrow account in the coming year. I have provided copies of both the correct insurance and real estate tax bills on XX/XX/2020. 

The company has not responded and as a result my monthly payment for XX/XX/2020 will be more than what I should pay.

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 2020-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Ability Recovery Services, LLC
State: SC

Complaint narrative:
On XX/XX/2020, I sent a third party letter to Ability Recovery Services, requesting any contractual agreement between me and their agency. To this date no proof of validation has been submitted to me as demanded. I have never done any business nor do I wish to do so. The alleged debt is in the amount of {$1200.00} which is a fraudulent charge. By law pursuant to 15 U.S.C. section 1681s-2 of the Fair Credit Reporting Act ( FCRA ), Ability Recovery Services has failed to validate this alleged debt within the 30 days allotted time frame pursuant to 15 U.S.C. Section 1692g. They have NO signed contract with my signature stating that I gave them ANY permission to access my credit reports which is a violation pursuant to 15 U.S.C. section 1681b.

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 2020-03-18 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: DC

Complaint narrative:
I have had XXXX 's department credit card for several years. In the XX/XX/XXXXand XX/XX/XXXX timeframes, XXXX 's dept. store credit card transferred to an XXXX XXXX Credit Card, without consumer 's knowledge that they were changed the Card Accounts entirely. Meaning, I was paying a dept. store credit card for a few months, but the transfer to the XXXX card was not getting paid. However, I had no ability, notice, or information that XXXX 's company new XXXX wasn't being paid. 

First, consumer did not ask for an XXXX 's XXXX card. 

Second, I was paying the dept. store credit card as I had been paying in the past months. 

Third, approximately XXXX/XX/XX/XXXX, I contacted XXXX 's realizing this situation of payment confusion from dept. store credit card to XXXX card and vehemently asked the XXXX 's rep to ensure that my payment and any late payments be fixed. Since the Rep pointed out the problem that XXXX 's transferring billing from store CC to XXXX card, it is not a consumer issue of payments. He credited account at that time and I paid remaining balance in full. 

Today, the credit bureau is showing " one '' late payment which was not a late payment due to XXXX 's negligence/lack of duty regarding new XXXX CC 's. I disputed this issue with both XXXX 's and Experian without resolution or a fix to XXXX 's negligent duties. 

Please assist me is this matter.

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 2020-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I was informed by my cars salesman that I was not approved to finance a vehicle because of many derogatory items on my report. I then asked him to show me my report and there was a list of items that are not mine. Please remove these items from my report 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 2020-03-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: CT

Complaint narrative:
Dear CFPB I am filing this complaint due to issues with American Adjustment Bureau and how they continue to report these accounts on my credit files. I have disputed these accounts with all three of the credit bureaus and as you can see below after XXXX  and XXXX  reaching out to American Adjustment Bureau the results came back as deleted, but yet they continue to report these erroneous accounts on my XXXX  credit profile. Account # XXXX in the amount of {$150.00} has been reinserted by this same company even after XXXX  already completed their investigation and removed said account on XX/XX/2020. This is a complete violation of my rights as a consumer and is continues to cause a great strain on my physical and mental health as I am a XXXX person. I have requested from the original creditor proof of these so called debts they say I owe and all I got was a copy of a statement showing {$0.00} owed as a printed version and they inputted a WRITTEN amount on the bottom of the statement. They continue to fail to verify these debts are mine and I am requesting full immediate deletions of these accounts from my XXXX  and XXXX   credit profiles. 
Results : XXXX  Report Number : XXXX Date Generated : XX/XX/2020 AMERICAN ADJUSTMENT BU Account XXXX Deleted This item was removed from your credit report. Please review your report for the details. 

Results : XXXX Report Number : XXXX Date Generated : XX/XX/2020 AMERICAN ADJUSTMENT BU Account XXXX Deleted This item was removed from your credit report. Please review your report for the details. 
Account # XXXX Account # XXXX XXXX  CREDIT FILE : XX/XX/2020 Confirmation # XXXX The Results Of Our Reinvestigation >> We have researched the collection account. Account # XXXX The results are : This item has been deleted from the credit file. If you have additional questions about this item please contact : American Adjustment Bureau, XXXX XXXX XXXX, XXXX CT XXXX Phone : ( XXXX ) XXXX I was sent only 16 pages of statements on XX/XX/2020 all showing a XXXX balance and yet they continue to report these inaccurate and false accounts on my credit file and it has and continues to cause me great harm. As you can see from attached statements that there a fraudulent handwritten bogus collection amount on the bottom for {$720.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 2020-03-18 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: AR

Complaint narrative:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspect items I am not familiar with. Please remove these items from my report. 

XXXX XXXX XXXX {$150.00} XXXX  XXXX XXXX {$66.00} XXXX XXXX XXXX   XXXX {$690.00} XXXX  XXXX  XXXX {$50.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I sent letters dated XXXX XXXX, XXXX ; XX/XX/XXXX ' and and a registered letter on XX/XX/XXXX to Midland Credit. I am attempting to get this off my credit report so I can qualify for senior subsidized housing. No response. This debt was a right off from XXXX XXXX that Midland Credit bought.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Ally bank fraud department called me on XX/XX/17 to report suspicious activity on my account. The next day I check my account and discovered my balance was {$8800.00} lower. I called Ally to report the incident and spoke with XXXX Employee # XXXX and was advised that they would place an investigation that could take 10 days to solve. Ally bank released funds from my account without my consent or authorization. 

Ally Dispute # 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 non-monetary relief
Consumer complaint received 2020-03-18 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: TN

Complaint narrative:
Equifax is reporting incorrectly that I am ( 120 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 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: CA

Complaint narrative:
I was made aware of two accounts with negative history appearing on my credit today XX/XX/2020 ; I found out that these accounts were on my credit because I went to refinance my car and I was told I did not qualify to refinance due to having negative accounts on my credit report. I was confused because I have always made sure to make my payments on time for any loan or credit card. I looked through my credit report and there was an account from XXXX XXXX XXXX XXXX XXXX with negative payment history. Neither of those accounts is mine nor did I allow anyone to open them in my name. I did not benefit anything from those accounts such as money, goods, services or any other benefit and I did not contribute to any payments made towards either of those accounts. I am not affiliated with either of the companies listed above and I never allowed them to run or access my credit. I have filed a complaint with the consumer financial protection bureau regarding these unauthorized accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 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: OH

Complaint narrative:
XX/XX/2020 mailed a letter to Experian requesting an investigation of an inaccurately reported information on my credit report. The account is " XXXX XXXX XXXX '' and this account shows many discrepancies, one that I pointed out was the payment history and past due balances. 

XX/XX/2020, I received an updated report showing that Experian investigated the discrepancies. However, there were no changes and nothing was fixed or deleted. Which means, this account is still reporting illegally under the Fair Credit Reporting Act.

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 2020-03-18 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: EQUIFAX, INC.
State: UT

Complaint narrative:
XXXX XXXX # XXXX is reporting a charge off to my credit that should not be on there. I never received any kind of notice that this account had gone past due and no longer had auto payments nor did I get a notice that it charged off. I only found out about it once I had my credit pulled and saw the account on there, and as soon as I found out I went and settled the account. This should not be on my credit report as it is in violation of my 30 day right to dispute and has already been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX XXXX # XXXX is reporting a charge off to my credit that should not be on there. I never received any kind of notice that this account had gone past due and no longer had auto payments nor did I get a notice that it charged off. I only found out about it once I had my credit pulled and saw the account on there, and as soon as I found out I went and settled the account. This should not be on my credit report as it is in violation of my 30 day right to dispute and has already been paid.

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 2020-03-18 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: Resurgent Capital Services L.P.
State: UT

Complaint narrative:
LVNV Funding # XXXX is reporting a collection to my credit that should not be on there. I never received any kind of notice that this account was in collections. I only found out about it once I had my credit pulled and saw the account on there, and as soon as I found out I went and paid the account. This should not be on my credit report as it is in violation of my 30 day right to dispute and has already been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 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: 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 including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXXI XXXX {$460.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: OH

Complaint narrative:
I contacted somone who advertised a house in XXXX XXXX, CA on XXXX website. He gave me the address, I checked to location and neighbourhood, I didn't check inside the house because it was occupied by others. I liked the neighbourhood and we agreed that I will occupy the house on XXXX of XXXX. We also agreed that I will pay on zelle, he gave me the lease contract, and I paid. Then I went to the house on XXXX of XXXX at XXXX XXXX, wait for him for 2 hours he didn't show up, I tried to contact him, he didn't reply may emails and text. I contacted Zelle, they send me to the bank, I contacted my bank XXXX XXXX, they said because I authorised the transaction they can't help me returning the money. They said they will do the investigation, but they didn't send me any mail about this. The scammers were two, a lady who is the owner of the property, she contacted me, we had a call and a realtor who was like managing the property for the owner. I paid the owner. I also contacted XXXX which the scammer uses, but they didn't take my call, send them an email but they didn't reply to me. I felt helpless as an international student in this great country. I lost $ TheXXXX

Company response to consumer: Closed with explanation