vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-21 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: CA

Complaint narrative:
I AM VICTIM OF AN IDENTITY THEFT, AND I HAVE REACHED OUT TO THIS COMPANY FOR OVER A YEAR NOW. AND I EVEN HAVE ASKED THEM TO PROVIDE PROOF OF ME EVER GETTING ANY TYPE OF LOAN FROM THEM. THEY HAVE NO PROOF YET THEY WILL NOT REMOVE THIS FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. I NEED SOMEONE TO EXPLAIN TO HOW I CANT PROOF THAT I AM VICTIM. I DON'T KNOW WHAT INFORMATION TO PROVIDE, I KEEP CALLING XXXX XXXX XXXX, THEY CANT PROVIDE INFORMATION, I KEEP CALLING EXPERIAN AND XXXX  THEY CANT SEEM TO GIVE ME CLEAR INFORMATION. I THINK THESE BIG CORPORATIONS ARE DING THESE ON PURPOSE TO LOWER PEOPLES FICO SCORE OT THEY ARE THE ONESE WHO ARE SELLING CONSUMERS 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 2020-04-21 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:
XXXX XXXX  XXXX XX/XX/2013 {$1100.00} sent : Deployment Paperwork, Police report and identity theft affidavit I contacted the company directly and was given the run a run, nobody wanted to assist in the matter I faxed and mailed requested docuements to the company directly along with each of the three credit bureau.

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 2020-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX child support. They threatened to have me arrested. They do not identify as a debt collector. They collect on debts that they do not own .... ie a debt collector. The person they collect for has to pay them an annual fee to maintenance the account. In none of the correspondence sent from the company has any mention of them being a debt collector. They violate all kinds of laws regarding debt collection. They stole my stimulus check. This company is a bad actor and needs to be shut down.

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 2020-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: FL

Complaint narrative:
THIS COMPANY HAS A COLLCETION ON MY CREDIT REPORT THAT I DONT KNW ABOUT OR OWE I DONT HAVE CONTRACT WITH THEM

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: CA

Complaint narrative:
Collection agent by MRS BPO, L.L.C. in behalf of their customer XXXX XXXX. 
XXXX claimed I owed them equipment, however ; I never used their equipment, I used my own private equipment. 

MRS BPO sent me a letter saying I owe {$59.00} account XXXX dated on XX/XX/XXXX, as of today XX/XX/XXXX said the account is no longer with MRS and to contact XXXX. 

Both have refused to send a letter to me advising it was a mistake and i do not owe the {$59.00}. 

How can i get for XXXX XXXX and MRS BPO to send a formal letter advising me i do not owe the XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 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:
XXXX XXXX XXXX XX/XX/2013 {$1100.00} sent : Deployment Paperwork, Police report and identity theft affidavit I contacted the company directly and was given the run a run, nobody wanted to assist in the matter I faxed and mailed requested docuements to the company directly along with each of the three credit bureau.

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 2020-04-21 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: CA

Complaint narrative:
I AM VICTIM OF AN IDENTITY THEFT, AND I DECIDED TO TAKE APPROPRIATE STEPS AND HAVE THE BURUE TO REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT RPEORT. FINALLY I CAME ACCROS THE CIVIL CODES FOR CONSUMERS AND PER FCRA 605 B IT CLEARLY STATES THAT THE FRAUDULENT ACCOUNT MUST BE REMOVED/BLOCKED WITHIN 4 BUSINESS DAYS OF RECEIPT OF THE IDENTITY THEFT REPORT. I ACTUALLY GOT ON THE WEBIDE OF THE FAIR TRADE COMMISSION AND FOLLOWED STEP BY STEP. ONCE THE REPORT WAS COMPLETED I FINALYZED IT AND SUBMITTED THE REPORT TO EXPERIAN AND WHEN I CALLED EXPERIAN I WAS TOLD THATH THE FORM IS NOT COPLETED CORRECTLY. WELL I BELIVE THE CIVIL COURT IS HIFGER THEN EXPERIAN OR ANY OTHER FINANCIAL INSTITUTION, WHAT IS THE POINT OF HAVIN THE GOVERNMENT OR THE CIVIL COURT IF EXPERIAN IS THE ONE WHO DECIDES WHICH ACCOUNT TO BE REMOVED OR BLOCKED.

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 2020-04-21 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: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
Theres incorrect information on my credit report. I spoke with Midland Funding in regards to an collections account for XXXX XXXX XXXX, in which they advised me that XXXX XXXX was the secondary agency, handling the account & I would have to call them to payoff the balance. After speaking with an agent at XXXX XXXX, he advised me that a payment of {$350.00} was needed to settle the debt and have the collection removed from my credit report. After making the payment on XX/XX/2020, the agent agreed to immediately forward the proof of payment to Midland Funding, so that the they can have the collection deleted from my credit report, being that they were the ones who reported it. Prior to making that payment, it was understood that Im in the process of closing on my home and needed everything to be processed swiftly as possible. The agent advised me that I had nothing to worry about, because it would only take but 3-5 business days to be deleted. Its now been past that 3-5 business days mark and both companys Midland & XXXX XXXX are giving me the run around, blaming each other for the delay in deleting the collection from my credit profile. All Im asking is that they please delete, you all have been paid in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
Our account was recently transferred from XXXX to Shellpoint Mortgage and they have added a {$6000.00} fee. We were up to date and have proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX child support. They threatened to have me arrested. They do not identify as a debt collector. They collect on debts that they do not own .... ie a debt collector. The person they collect for has to pay them an annual fee to maintenance the account. In none of the correspondence sent from the company has any mention of them being a debt collector. They violate all kinds of laws regarding debt collection. They stole my stimulus check. This company is a bad actor and needs to be shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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: TrueAccord Corp.
State: LA

Complaint narrative:
Theres incorrect information on my credit report. I spoke with XXXX XXXX in regards to an collections account for XXXX XXXX XXXX, in which they advised me that True Accord was the secondary agency, handling the account & I would have to call them to payoff the balance. After speaking with an agent at True Accord, he advised me that a payment of {$350.00} was needed to settle the debt and have the collection removed from my credit report. After making the payment on XX/XX/2020, the agent agreed to immediately forward the proof of payment to XXXX XXXX, so that the they can have the collection deleted from my credit report, being that they were the ones who reported it. Prior to making that payment, it was understood that Im in the process of closing on my home and needed everything to be processed swiftly as possible. The agent advised me that I had nothing to worry about, because it would only take but 3-5 business days to be deleted. Its now been past that 3-5 business days mark and both companys XXXX & True Accord are giving me the run around, blaming each other for the delay in deleting the collection from my credit profile. All Im asking is that they please delete, you all have been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I AM VICTIM OF AN IDENTITY THEFT, AND I DECIDED TO TAKE APPROPRIATE STEPS AND HAVE THE BURUE TO REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT RPEORT. FINALLY I CAME ACCROS THE CIVIL CODES FOR CONSUMERS AND PER FCRA 605 B IT CLEARLY STATES THAT THE FRAUDULENT ACCOUNT MUST BE REMOVED/BLOCKED WITHIN 4 BUSINESS DAYS OF RECEIPT OF THE IDENTITY THEFT REPORT. I ACTUALLY GOT ON THE WEBIDE OF THE FAIR TRADE COMMISSION AND FOLLOWED STEP BY STEP. ONCE THE REPORT WAS COMPLETED I FINALYZED IT AND SUBMITTED THE REPORT TO XXXX AND WHEN I CALLED XXXX I WAS TOLD THATH THE FORM IS NOT COPLETED CORRECTLY. WELL I BELIVE THE CIVIL COURT IS HIFGER THEN XXXX OR ANY OTHER FINANCIAL INSTITUTION, WHAT IS THE POINT OF HAVIN THE GOVERNMENT OR THE CIVIL COURT IF EXPERIAN IS THE ONE WHO DECIDES WHICH ACCOUNT TO BE REMOVED OR BLOCKED.

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 2020-04-22 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:
XXXX, XXXX, equiafax have reported incorrect information on my credit report that is not mines which are XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), credit reporting agencies are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. 

I requested verification of account with this credit reporting agency on in writing on multiple occasions. These requests were sent by certified mail ( I have attached the receipts with tracking information ) on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Despite 4 written requests over the span of a year, the unverified items are still listed on the report and the reporting agency has gone so far to claim the items are verified without garnishing physical verification of the original signed consumer contract, or any verification documents at all for that matter. This credit reporting agency has had over a year to produce the documents that they are legally required to provide to me. 

If this agency does not have a copy of original documentation ( a contract with my signature on it ) as required under Sections 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). Further more, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 

This organization has violated 3 different sections of the Fair Credit Reporting Act, and has had over a year to produce these documents. They clearly are not in possession of any proof of the validity of these documents and continue to present this false information to my credits. 

This is illegal and defamatory. This credit reporting agency is INTENTIONALLY violating the law. Opening a dispute with the CFPB is my last hope/resort before being forced to file a lawsuit.

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 2020-04-22 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I forwarded a correspondence a to Equifax, on XX/XX/2019. I forward them all supporting documentation because this account is a result of identity theft, I have not heard back from Equifax in over 30 days, they failed to validate the mentioned account, they failed to respond to my request to investigate, nor have they deleted the account per Section 605 ( B ) that this account be Blocked or Deleted resulting in Identity Theft Section 15 U.S.C01681-C-2 ). 
The account is XXXX XXXX is a result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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: CO

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), credit reporting agencies are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. 

I requested verification of account with this credit reporting agency on in writing on multiple occasions. These requests were sent by certified mail ( I have attached the receipts with tracking information ) on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Despite 4 written requests over the span of a year, the unverified items are still listed on the report and the reporting agency has gone so far to claim the items are verified without garnishing physical verification of the original signed consumer contract, or any verification documents at all for that matter. This credit reporting agency has had over a year to produce the documents that they are legally required to provide to me. 

If this agency does not have a copy of original documentation ( a contract with my signature on it ) as required under Sections 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). Further more, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 

This organization has violated 3 different sections of the Fair Credit Reporting Act, and has had over a year to produce these documents. They clearly are not in possession of any proof of the validity of these documents and continue to present this false information to my credits. 

This is illegal and defamatory. This credit reporting agency is INTENTIONALLY violating the law. Opening a dispute with the CFPB is my last hope/resort before being forced to file a lawsuit.

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 2020-04-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
I am an XXXX XXXX  in XXXX XXXX  XXXX. I want to make complain against TRANSWORLD SYSTEM INC. the collection agency. who asking me to pay {$7600.00} as a fine of not to paying toll. They send DMV to suspend my registration. I spoke with the collector before dmv suspend my registration. I request the collector to consider my situation. Where entire nation is in emergency for Covid-19 virus. XXXX XXXX  XXXX is being paused since XX/XX/XXXX to until now. I did not receive any letter from the collector. One i got notice from DMV I contact with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I created a account with coin base less then a month ago. Funded my account using ACH XXXX XXXX. I put 500 $ and purchase XXXX. A couple of days later I put {$50.00}. And then couple days after that {$50.00} again. I verified my account with my photo ID and a selfie that they required. They disabled my buying, selling, and transferring to my digital wallet, Ive called my bank and they verified that there were no issues on my banks end, yet when I do get a response from coin base they say that I can withdrawal my shares into XXXX or send it to another address. And that I cant buy or trade my XXXX. I didnt do any thing wrong I provided all the information that they asked for. They told me that I can send my XXXX to a wallet and I can not do that, but instead all I can do is sell my shares for cash thats not fair or right when I havent given them any reason. I have contacted them over and over and same response. At this point all I want to be able to do is transfer my XXXX  to my ledger. As they said I could from the beginning but its disabled. They arent communicating with me and its frustrating. They are just telling me it takes 5-7 business days and that they can not continue a relationship with me buying and selling. For no reason! I have read online this is something that happens all the time and I dont think its right. I am just someone trying to invest in some cryptocurrency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$97.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2020-04-22 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:
XXXX, transunion, XXXX have reported incorrect information on my credit report that is not mines which are XXXX XXXX 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 2020-04-22 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:
Experian, XXXX, XXXX have reported incorrect information on my credit report that is not mines which are XXXX XXXX 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 2020-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
this company has a collection on my credit that is not mines

Company response to consumer: Closed with explanation