vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-13 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: MI

Complaint narrative:
I am writing to delete the following inaccurate, contradictory information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make these alleged charges. I ask that the items be permanently deleted from my credit report and updated. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible as it is hindering my abilities as I'm trying to advance in my life by getting a house.

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 2020-12-13 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:
On XX/XX/2020, I was " Turned Down '' for a new motorcycle loan from my bank all because of a recent " negative credit '' entry that is NOT mine onto my " Equifax '' credit report. 
I am the " Victim of Identity Theft. '' I contacted " Equifax '' and wanted " Equifax '' to send me my " FREE '' credit report from " Equifax '' and " Equifax '' told me that I would have to " BUY '' a copy for $ XXXX!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have been trying to make purchases with my new Paypal credit account and it wont come up in the checkout with paypal credit. I contacted Paypal and Synchrony bank and they both said it has to do with a high tech security system they have. I have a large credit line with Synchrony/Paypal Credit and I can not get anyone to help me. I have read through Paypal Credit community and there are hundreds of people going through this and no one from Paypal will help them/us. It's XXXX and people are trying to shop, they run our credit and give us a high limit, but then do not allow us to use the card on any site. This isn't right. Please stop them!

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 2020-12-13 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: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
I had a time barred debt for XXXX XXXX in the amount of XXXX and XXXX the accounts were opened on XX/XX/XXXX which exceeds the Louisiana Statute of Limitations. The XXXX account debt was deleted on my credit profile with XXXX on XX/XX/XXXX and with XXXX on on XX/XX/XXXX but the XXXX was not deleted on my credit profiles. I would like the XXXX debt to be deleted as well because it exceeds the Louisiana statute under civil code 3494. The XXXX was deleted from the original creditor but XXXX XXXXXXXX sold the debt to LVNV ( C/O Resurgent Capital Services ) they show that I owe the XXXX and XXXX both from XXXX XXXXXXXX which are both time barred debts. XXXX XXXX needs to delete the XXXX debt as well not just one debt. The collection agency above needs to also delete XXXX debt because it was deleted by the original creditor. Thank you for your time and consideration into this matter and resolution. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I do not owe any debts to PayPal. I received an email saying they sold a debt to buyer. I demand to see written proof the debt per section 609 of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
This is the XXXX time disputing this frivolous information on my credit report. I have sent letters certified mail XXXX different times. I have also sent om XX/XX/2020 a transcript from XXXX of our entire conversation stating THERE IS NO BANKRUPTCY ON MY CREDIT FILE. Equifax is reporting XXXX bankruptcies on my credit report. Their 3rd party verification department is XXXX. XXXX XXXX " DE ; ETED '' all the bankruptcies because they did not belong to me. Also I have spoken with XXXX and they have also disputed the information with Equifax to have it removed immediately. Equifax " refuses '' to delete the information even though i sent them proof that it has been deleted. I also spoke with XXXX a Consumer supervisor at XXXX she stated and I quote " Equifax has not requested any verification from us since XXXX of 2020, If they would have requested it the would have know there is no bankruptcy in your file. '' Why is CFPB and FTC still allowing this to happen? why are you not enforcing the law? I will again submit a copy of the XXXX report showing the deleted bankruptcy. Also I will send over the letter i just received from Equifax showing they verified it as accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13 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: MI

Complaint narrative:
I am writing to delete the following inaccurate, contradictory information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make these alleged charges. I ask that the items be permanently deleted from my credit report and updated. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible as it is hindering my abilities to become more successful.

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 2020-12-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Dear Cfpb, here is the issue. 
XXXX XXXX and XXXX XXXX ago, someone purchased a sofa set from XXXX with my credentials on an installment plan. Initially I didn't notice but right after my credit score bottomed in XXXX months I got intouch with XXXX. By that time they have declared the account delinquent and reported me to the credit bureaus. 

After bunch of calls and complains they finally deemed it as fraudulent and told me they would do everything in their powers to fix the issue and work with the credit bureaus to erase that item from my account. Well .. not really. 
What has happened is that their credit company XXXX gave my account to a collection service. All three of them filed against my credit record as delinquent and killed my credit score. 
In the past XXXX months I am working with XXXX, Transunion and XXXX to fixing the issue. 
XXXX  did an investigation and they admitted it is all fraudulent therefore they deleted the items off my record. XXXX and Transunion had different view. I do not understand why. 

XXXX said it's fraudulent, XXXX said they are working onto helping me straight it up, the collection service XXXX XXXX said it's all closed and their investigation showed a fraud, but not Transunion and XXXX. 
My credit score went from XXXX to XXXX and there is no fixing that they said. 

Can you help me out with all of it. 
XXXX XXXX - never answer a phone call XXXX XXXX collection service

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 2020-12-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: MA

Complaint narrative:
Hello, Im shocked, surprised, stressed out both physically and mentally to find this XXXX collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

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 2020-12-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: MN

Complaint narrative:
Reference : LANDLORD/PROPERTY MANAGER AGREEMENT Hello I wanted to see if something can be done about how XXXX confirm documents. I recently checked my credit report and saw a collection. I called the collection company and it was a XXXX XXXX  bill. I contacted XXXX Fraud department since I didn't create the debt. I was told by them that there was an agreement in place that the building owner would take over the electric bill if the tenant does not pay it. I told them I never signed any agreement with them to accept responsibility for electricity in my building. The alternative would be the electricity being disconnected until a new tenant rents the apartment. 

The problem is : XXXX Someone submitted documents in my name for this agreement without my consent or knowledge. 
* XXXX did not ask the person ( s ) to send any verified signature document such as copy of an I.D . or notary signature. 
* This bill was in the possession of XXXX since XXXX and in XXXX they default it and hire a collection company. 
* This collection can cause my creditors to close accounts and lower my credit limit which will have a negative outcome on my living expenses * This Agreement was still active beyond my control of the building. It was used in XXXX andXX/XX/XXXX Hopefully something can be done as this loophole should be closed to prevent XXXX from losing money and/or consumers being unlawfully billed for someone else bad dealings.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13 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: NY

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A METHOD OF VERIFICATION TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A METHOD OF VERIFICATION TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2020

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 2020-12-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: GA

Complaint narrative:
I was notified on XX/XX/XXXX that the US Bank Credit Card account which as been open since XXXX ( XXXX years ) was closed for the following reason " Your account has been inactive for at least 12 months ''. I believe the systematic closing of revolving accounts during the time of COVID-19 is an acknowledgement of the bank 's credit underwriting model risk failures and attempt to force customers to involuntarily undergo re-credit rating using the bank 's new credit models which are more conservative given the current COVID-19 regime. 

Closing the single longest trade line reduces the average length of credit and other history related variables considered in credit scoring decisions. Adverse impact to credit score is anticipated as a result.

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 2020-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
So, I've been working on my credit since XX/XX/2020. I've made several efforts to pay my bills on time and add positive credit. I've managed to pay down my debt and have been fortunate enough to increase my score using good habits. 
Recently I've noticed that my score with Equifax went from XXXX to XXXX for no apparent reason. My scores with XXXX and XXXX have gone up on a steady basis. My scores with XXXX and XXXX are XXXX and XXXX. My scores with Equifax are Now at XXXX. I have examined my reports to see where things may be different and have yet to see anything that would cause my scores to be this low. My information with XXXX  is a mirror of Equifax. I've called Equifax to inquire about this and no one has answer. My scores have consistently gone up with the other bureaus and Equifax hasn't. I'm in need of assistance and this causing me not be a candidate for purchasing my first home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13 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: MI

Complaint narrative:
I am writing to delete the following inaccurate, contradictory information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make these alleged charges. I ask that the items be permanently deleted from my credit report and updated. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible as it is hindering my abilities to become more successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13 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: MI

Complaint narrative:
I am writing to delete the following inaccurate, contradictory information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make these alleged charges. I ask that the items be permanently deleted from my credit report and updated. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible as it is hindering my abilities to become more successful.

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 2020-12-13 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2900.00}, {$370.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my account. 

-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$370.00} -This is not my account.

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 2020-12-13 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items 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 2020-12-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Action Collection Agencies, Inc.
State: MA

Complaint narrative:
Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

Company response to consumer: Closed with explanation