vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-04 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: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Midland Funding continues to furnish information on credit file which is incorrect. Company failed to comply with FCRA Guidelines. Requested validation and no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: CA

Complaint narrative:
I called since day one of buying the vehicle that the car has no license plates and the dealer said that Its ok to drive like this then I was suppose to receive the plates in the mail then the dealer did not give me any title to this car nor have I yet to get the car title or anything to register this vehicle now the vehicle has been repo and I went and got it back from the repo company and still did not get the paperwork to this car and also I have yet to be able to drive the car because since getting the vehicle back from the Reo Yard the vehicle is broke and want drive so now they want me to continue to pay for the vehicle which I am not able to drive since 2017 and now they are calling me 5-10 times a day and they are not doing anything but taking my money and thats all

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I have had a credit freeze on my account for over 10 yrs. I went to experian for information, and noticed a statement on the online page for my account stating " your file is unlocked ''. I don't know how long this has been the case, but is definitely incorrect. 
I attempted to phone experian, but it is almost impossible to get an agent on the phone. I had to pretend that I have a child who has been fraudulently exploited before I could get to a phone prompt allowing me to ask for an agent ( after 20 minutes of trying ). They need to provide a phone number with access to personnel to resolve issues other than those provided by their automated 'phone answering system '. 
Also, upon accessing your account, the 'splash page ' ( from which you must select an option ) only provides 2 options ... .continue with my current account or upgrade to premium. To my knowledge I do not have any 'account ' with Experian . There is no option to discover what I am being forced to agree to! This seems very underhanded and provides no 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 2019-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: AL

Complaint narrative:
In XX/XX/2019, I was alerted by my credit monitoring service that a company doing business as Sunrise Credit Services had reported a collection account to my XXXX, XXXX, and XXXX credit files. Having no present of former signed contracts or related accounts with said company, I immediately reported the collection as a fraudulent account which does not belong to me. I took immediate action and filed a dispute against said company. My attempt to resolve this matter was to avail. To further my investigations on said company, I researched the State of Alabama Secretary of State website and I have found that this company is not licensed or bonded in the state of Alabama to practice, perform, or otherwise collect debts owed or otherwise in the state of Alabama. The law clearly states that it is illegal practice to perform any debt collection attempts where the company is not registered to do business with the Alabama Secretary of State. This company is not listed on the Secretary of State website as an legal entity authorized to do business in the state of Alabama. I am requesting the matter be resolved by the company immediately deleting the collect account from all credit files, and refrain from any attempts to contact me, as we have no contractual agreements of any sort or other business related matters to discuss.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 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 recently reviewed my credit report and I discovered some inaccurate accounts reporting on my credit file. Those derogatory accounts do not belong to me and I have no knowledge of those accounts. I have no idea who would have access to my credit report and because of this, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I, XXXX XXXX, CURRENTLY DO NOT DISPUTE THE FOLLOWING ACCOUNT XXXX XXXX XXXX XXXX IN THE AMOUNT {$1300.00} XXXX XXXX XXXX IN THE AMOUNT OF {$1800.00} EITHER AS REPORTED ON MY CREDIT REPORT OR DIRECTLY WITH THE CREDITOR. I REQUEST THAT THE INDICATION OF A DISPUTE IS REMOVED FROM MY REPORT. IF YOU HAVE ANY QUESTIONS, PLEASE FEEL FREE TO REACH ME AT 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 2019-11-04 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX-VISA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL 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 2019-11-04 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc.
State: NY

Complaint narrative:
The creditor listed as Convergent Outsourcing , Inc. has listed an account as a new collections account, causing a derogatory  mark on my credit report. This debt has already reached the statute of limitations in NY and has been removed from my credit report previously. This is an old debt that is being reported as a new debt. 
This debt collection agency knew that this was on old debt and did not disclose to me any of the following information : Tell me, that the statute of limitations may have expired ; Tell me, that it is a violation of the federal FDCPA ( Fair Debt Collections Practices Act ) to sue to collect a debt for which the statute of limitations has expired Tell me, that you do not have to admit to owing the debt, promise to pay the debt, or give up your rights regarding the statute of limitations Tell me that, if you do admit to owing the debt or promise to pay the debt, then the statute of limitations my restart so that the debt collector can sue you on that debt. 

Also, it reported that this debt was opened on XX/XX/2019 ... I have not received any letters ( bills ) or contacted in regards to this account being opened. I also did not recived any past due letter for not paying for 60 days, 90 days or 120 days. it was just reported to my credit report on XX/XX/2019. 

I was contacted over year ago by the company. The representative was extremely rude and kept threatening to place this on my credit report, even though I told him it had already past the limitations and could not be reported. He was nasty and told me watch them report it and hung up.

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 2019-11-04 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX* ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2019 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX-VISA XXXX XXXX XXXX XXXX   XXXX XXXX/XXXX  XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL 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 2019-11-04 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 XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
I placed an online order on XX/XX/2019 on a website for a laptop computer for the price of XXXX. This company took my funds. Did not send any type of confirmation for the order or the shipment of the order. I sent numerous emails to this company over the course of a week with not one response. I used Paypal to make this payment. Since no word from the company I got in touch with Paypal on or around XX/XX/2019 to state I did not get the product that I paid for using their service. I requested to open a case for an item I did not receive. Transaction ID was XXXX for the payment of XXXX. A case was opened on or around XX/XX/2019. Paypal then proceeded to do a review. I made several phone calls, had online chats and sent emails between XX/XX/2019-XX/XX/2019.I also contacted the USPS office in my town several times between XX/XX/XXXX and XX/XX/2019. I am attaching a copy of the document provided to me by the USPS on XX/XX/2019. Item was shipped and then delivered on XX/XX/2019,  delivered, In/At mailbox @ XXXX XXXX. USPS tracking number XXXX, a package weighing 1 ounce, this according to the USPS. This was delivered to XXXX XXXX XXXX XXXX, XXXX XXXX, Tennessee XXXX to a different person. The info was given to me by the local USPS. That office would not document this to me as they were protecting the persons privacy. I have a document from a employee with the local USPS stating the tracking number provided was delivered to a different address than mine. This was delivered to a different person, to a different address and it only weighed 1 ounce. But they still received my money for a product I never received. I reside at XXXX XXXX XXXX XXXX, XXXX XXXX, Tennessee XXXX. Paypal ruled in favor of the seller on XX/XX/2019 stating the seller provided a valid tracking number. The tracking number to their package was delivered to the wrong person at the wrong address.If you need more information, please contact me at XXXX. Thank you very much.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
Navient put me in to forebarence and did not credit me with my payments towards my public service loan forgiveness program. They never would process me for the income driven repayment plan at first, it took forever and finally I got in the program.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I informed Capital One of an account that I did NOT open. I've also requested contracts showing I agreed or gave any consent to do business with them. I never have, but I initially asked for this because I was going to take it to the police. The theft that I've been dealing with have been far beyond a little credit card. I just want to say, I make well over {$100000.00} a year - capital one. My smallest credit card limit is {$6500.00}. I don't need neither would I ever open a {$300.00} credit card! 

I've disputed rounds and rounds, finally bureaus deleted the account. Capital One then had it placed back on there, only for it to be removed again. Capital one then proceeded to put the account under a NEW account number despite the bureaus informing them and providing them with my statements of the account possibly being opened for sure, but on every circumstance IT WAS NOT ME WHO OPENED THE ACCOUNT! 

To think this far in the year, I've had fraudulent account with far larger balances that I had to deal with this year and they've been done and over with. However, Capital One and this ridiculous {$400.00}! Could easily pay that however it's NOT MINES so why would I?!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 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: IL

Complaint narrative:
Equifax has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX never late XXXX XXXX XXXX XXXX XXXX never late XXXX XXXX XXXX XXXX XXXX never late XXXX XXXX XXXX XXXX XXXX never late XXXX   XXXX not mine XXXX XXXX  XXXX never late XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine PUBLIC RECORDS US BANKRUPTCY XXXX CHPT XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I disputed all open accounts with credit bank on XX/XX/XXXX results  were ready the same day also tried disputing XX/XX/XXXX and XX/XX/XXXX and also XXXX. I have been XXXX  since XX/XX/XXXX  and have included solid proof to Experian and the creditors. I was also denied disputing the address on report which I never lived. There is no possible way that this was investigated in less than 24 hours.

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 2019-11-04 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 — Was not notified of investigation status or results
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on XX/XX/ I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 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: IL

Complaint narrative:
Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX never late XXXX XXXX XXXX never late XXXX XXXX XXXX never late DEPT OF ED/XXXX   XXXX never late XXXX XXXX XXXX XXXX XXXX never late XXXX XXXX XXXX not mine XXXX  XXXX never late XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX not mine XXXX XXXX   XXXX not mine XXXX XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine PUBLIC RECORDS US BANKRUPTCY XXXX CHPT - 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 2019-11-04 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: GA

Complaint narrative:
Equifax removed or blocked fraudulent accounts and reported to the CFPB that the accounts were deleted however the accounts were placed back on my credit report without any notification to me. I have complied with the requirements set forth under FCRA 605B by providing a statement from the FTC, police report and identification. Both XXXX and XXXX have corrected the errors, Equifax deleted and then reinserted the items without proper notification, this is a violation. 

Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 611 ( a ) ( 5 ) ( B ).

Company response to consumer: Closed with non-monetary relief