vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-26 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: FL

Complaint narrative:
XX/XX/XXXX reached out to TransUnion about a dispute and have not gotten a single response. 

XXXX This account is showing a High Balance on TransUnion of XXXX but on XXXX  it shows {$5500.00}. I also noticed that you have this account as the date of the last payment XX/XX/XXXX but XXXX  shows XX/XX/XXXX How can this be accurate when it comes from the same creditor? 

XXXX This account is still inaccurate reporting last payments incorrectly. Shows the account has been late 90 days a total of 4 times with a payment status of late 120 days. 

Would like these unverified late payment removed. 

XXXX Date of last payment inaccurate TransUnion with the date of the last payment showing of XX/XX/XXXX on Transunion but on XXXX  it shows the date of last date of last payment of XX/XX/XXXX. 

How can this be accurate when it comes from the same creditor? Please delete this unverified inaccurate account. 

XXXX This account has been re-aged. The date of last activity should reflect the FCRA compliance date also known as the date of first delinquency which in my original dispute was XX/XX/XXXX and now you are reporting it as XX/XX/XXXX but XXXX  shows it as XX/XX/XXXX and XXXX  shows XX/XX/XXXX. 

Would like you to provide me with the paperwork XXXX provided you that validated this account and its information or delete it. 

The original creditor XXXX XXXX XXXX with account number is also reporting this account which is causing duplicate derogatory accounts on my credit report. Which should automatically have both removed. 

Attached are copies of my original dispute and identification that was sent to the TransUnion with Certified copy of mailed delivery

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 2021-01-26 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've wrote several times about the accounts that are listed on my credit report but I am not getting any where. I am a identity theft victim my personal and financial information was stolen years ago which I've had a fraud alert placed on my report but its removed after a couple years. I did not authorized the accounts listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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 have disputed " The XXXX XXXX '' with XXXX, Equifax, XXXX  multiple accounts and it seems all these accounts have been removed from my XXXX  reports and it hasn't been removed from XXXX & Equifax and all bureaus are supposed to have consistent information. it is a charged off with a balance on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
On XX/XX/XXXX this account was added to my credit file. I disputed the account as it was not ratified by me nor could the creditor prove the debt was valid. I sent a certified letter asking for proof of ORIGINAL signatures and validation of the alleged debt, and was not provided with the information requested. Because they could not provide proof and validation, the debt was removed and the account closed. 

On XX/XX/XXXX, this account has been reopened. Even AFTER failure to provide proof and validation of the alleged debt with my original signatures. 

They harass my phone line every hour, of every day calling from spoofed numbers. 

This account is not valid and should be closed and STAY closed. I will press charges with this company as much as the court will allow if the account is not removed from all credit files within 30 days and, or if this account is sold to another creditor, and if they don't stop collection efforts.

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 2021-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio {$2500.00} This account has been disputed since XX/XX/XXXX. They keep sending me the same automated response with no information providing me if in fact they owe the right to collect this debt, no documentation from the original creditor stating they sold it to Portfolio. 

The bill they sent me was Bill due date XX/XX/XXXX Balance {$2100.00} XXXX XXXX XXXX Where is the info for XXXX? 

XX/XX/XXXX Balance {$2500.00} XXXX XXXX ) XX/XX/XXXX Balance XXXX ( XXXX ) XX/XX/XXXX Balance {$2100.00} XXXX XXXX ) which shows it was charged off for {$2100.00} Why are they attempting to collect a debt for {$2500.00} when it shows it was charged off on XX/XX/XXXX for {$2100.00} Date opened they stated is XX/XX/XXXX but the account was provided a bill for XX/XX/XXXX with a charge off of {$2100.00}. I never got a validation notice or have they provided me a copy of that as well. This debt is obviously expired and have since XX/XX/XXXX sent a cease notice in which they have ignored and continue to send me things. 

Portfolio {$1500.00} This account has been disputed since XX/XX/XXXX. They keep sending me the same automated response with no information providing me if in fact they owe the right to collect this debt, no documentation from the original creditor stating they sold it to Portfolio. The bill they sent me was Bill due date XX/XX/XXXX ( XXXX ) {$1100.00} Where are the bills for dates of XXXX? Where is the Final bill showing the Charge off? Why does the bills jump to Bill Due Date XX/XX/XXXX ( XXXX ) {$1400.00} Bill Due Date XX/XX/XXXX ( XXXX ) {$1500.00} How does a balance {$1100.00} on XX/XX/XXXX go to {$1500.00} on XX/XX/XXXX. Date opened they stated is XX/XX/XXXX but I never got a validation notice or have they provided me a copy of that as well. This debt is obviously expired and have since XX/XX/XXXX sent a cease notice in which they have ignored and continue to send me things. 

This debt is not mine and does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
I sent Citibank a Cease and Desist in XXXX or XXXX. They have violated it twice this month, including when the Trump Administration had the loans on pause for collection. They have already been sent a Cease and Desist in the past and are harassing me again. What do I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stevens Business Service, Inc.
State: MA

Complaint narrative:
Dear XXXX XXXX and Steven Business Services ; I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP
State: WA

Complaint narrative:
On XX/XX/2020 at XXXX {$500.00} was removed from my account by : XXXX XXXX XXXX XXXX XXXX VIA WEB XXXX WI ACH WEB I have no payment arrangements made with anyone nor did I owe anyone {$500.00} nor have I spent that specific amount. 

Key Bank denied my claim so now Im sitting here stuck wondering, who, why, how and How do I get my {$500.00} back?!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
I have tried 2 times now to apply for a secure credit card from My bank that I bank with bank of america they have declined My application 2 times now they have told me I don't meet their credit qualifications and I have things on my credit report that want allow me to get a secure credit with the bank that I bank with I have been with bank of america since 2017 and I can't even get approved for a secure credit card when I am putting up My own money for a secure credit card I don't agree with the decision for bank of america to decline My application 2 time 's for a secure credit card I don't agree with bank of america decision for them to declined me 2 times from getting a secure credit card so I can build credit how can I build credit if My own bank doesn't even give a chance to get a secure credit card this is bad business from bank of america bad business at it's finest.

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 2021-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Absolute Resolutions Corp.
State: TX

Complaint narrative:
This company reported me in collections in XX/XX/2020. I am not aware of the amount owed nor am I familiar with the debt or company reporting on my credit. This is preventing me from qualifying for my VA Loan to make a home purchase as I intended.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: SELECT PORTFOLIO SERVICING, INC.
State: NM

Complaint narrative:
This mortgage account was paid off and closed on XX/XX/2018. I have received a letter stating this from Select Portfolio Servicing ( attached ). However, SPS continues to report a balance of {$570000.00} to each of the Credit Reporting Agencies. I have submitted multiple requests in writing and by phone to fix this but they say they can't change their records. 

Section 623 ( a ) ( 1 ) of the FCRA says " The FCRA prohibits information providers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. '' Further, section 623 ( a ) ( 2 ) says " ... the furnisher must promptly provide complete and accurate information to the CRA ... and must thereafter report only complete and accurate information. '' My lawyer says the next course of action is to file a lawsuit to obtain a court order for correction, plus compensatory and possibly punitive damages. 

I look forward to a positive response from SPS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: Express Recovery Services, Inc.
State: UT

Complaint narrative:
XXXX XXXX - XXXX, XXXX is reporting erroneously on my credit file. When I first noticed this debt I called and paid it off. I have been monitoring my credit and noticed only one of the accounts has accurately reported the balance. I had tried to challenge these debts and have not received any responses. I called to ask if the account was settled or not as it was not reporting as paid and I found one of the accounts was not settled. I was furious when this happened because I called and settled both these debts MONTHS ago. On top of that I never received any calls, notices, or letters about this debt and this violates my 30 day right to dispute. I need these accounts removed ASAP.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am trying to use my VA Loan to get a mortgage and this company reported negative information on my credit report which is preventing me from qualifying.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
I called XXXX XXXX, and PennyMac my lenders for my my mortgages asking for a forgiveness. I was in a really bad spot for about 2 years and got behind on my mortgage. I paid everything up and is current now. Could they please forgive me on some of my late payments since they are caught up now. This is hurting my score tremendously and Im trying to get credit now and I cant. Please review my payment history. Im begging for a second chance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: 3rd Generation, Inc.
State: CA

Complaint narrative:
In XX/XX/XXXX I came to the United States for the first time and I spoke no English. Shortly after I met XXXX XXXX. In XX/XX/XXXX we were struggling to commute to work so he told me he needed help asking for a loan because the chances of us getting a loan with two incomes would be higher. I was new to the County so I was not really sure how it worked. XXXX XXXX made me sign the paperwork after I expressed I didn't think we could afford it. Shortly after we broke up because of financial problems and he kept the vehicle with VIN # XXXX. Shortly after I found out he stopped making payment to California Auto Finance because I kept getting calls treating me to pay all the balance or I would be sent to collections. I did not understand what was happening and I kept explaining that my ex was the one that kept the vehicle and not me and the loan was under his name ( I have copies of the coupons with his name ) the calls eventually stopped and I was sent to collections. Eventually I found out the Vehicle was repossessed. I tried to settle the debt in XX/XX/XXXX but the California Auto Fianance kept demanding the whole amount even with the vehicle in their possession. They recorded the debt and the collection in my credit report even though I tried to settle and I was forced into cosigning.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Conduent Incorporated
State: WI

Complaint narrative:
Current I have An Wisconsin Pre Credit Card. In Which I receive Child Support On. I Have This Item For Many Years With out an Problematic Prior. 
Then And Now, I only Receive, If I'm Lucky, Less Than {$10.00} an Month. 
( Child Support ) Usually, theres Below Amount Monies Located On this Card. 

Recently, I noticed That My Card Is Over Drawn. As Of These Past Few weeks, Days, Amount Has been Going Higher. Currently at an Over Drawn at {$27.00}, And Climbing Higher. 

Footwork I've been Doing Of Trying To dissolve This Matter Has Been Nil. 
First, I contacted Child Support Office In XXXX, WI. ( XXXX ), Unfortunately, Of an Matter Of This, There Was Nothing They Were able to Do, They Suggested To Call The Number In the Back Of The Card. Which I did, Right away. Because Of an XXXX XXXX XXXX. 

In which they Were Located In Ohio. I wont Waste Your Time Of The Amount Of Times That I called, Within Last Thurs-Friday, And Monday. 
Called Ohio-Nothing They Can Do, It was an Wisconsin Case, Sent Me Back To WI., Which I just Got An general Infor Line, No Humans, Back To Ohio, I wasn't In there System, Or The other Rep. Said My Social Was In their System. Actually One Other Rep. Found Me In their System, Was trying To answer My Question. Was on Hold for 36 Minutes - Hung Up. Patience 's Were Done.

Back and Forth In the state Of Ohio. EPPI Card Inc.

Did Not get any Answers

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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:
I've wrote several times about the accounts that are listed on my credit report but I am not getting any where. I am a identity theft victim my personal and financial information was stolen years ago which I've had a fraud alert placed on my report but its removed after a couple years. I did not authorized the accounts listed.

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 2021-01-26 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: PA

Complaint narrative:
XXXX XXXX is continuing to to show that I was late back in XX/XX/2018 when in fact, I was not. I submitted the payment before the account would be considered 30 days past due. However because of the payment cycles, XXXX applied the payment to the following month, instead of making the payment to current month that I originally made the payment. I have called this institution several times, and all they could do is send me statements. Even though XXXX is the CREDITOR they cannon change the information that the CREDITOR provided. Even when I disputed with the credit bureaus, XX/XX/XXXX, XX/XX/XXXX and Experian kept saying that the information was verified. So if the information was verified, and in fact not 30 days past due, then why is it still showing up on my credit report? This is my frustration.

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 2021-01-26 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: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
Company is reporting a loan that has been paid off.

Company has accessed my report without my written consent.

Company is ruining my reputation.

Company is reporting a false address.

Company is in violation of multiple offenses of the Fair Debt Collection Practices 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 2021-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Allied Collection Services, Inc. (Nevada)
State: NJ

Complaint narrative:
We sent a letter to the collection agency on XX/XX/XXXX disputing the debt and claiming our rights under 15 USC 1692c ( c ) and 15 USC 1692e ( 8 ). The collection agency received the letter on XX/XX/XXXX by certified mail-return receipt. 

On XX/XX/XXXX, the collection agency reported the debt to a credit bureau with no statement of the debt being disputed in violation of 15 USC 1692e ( 8 ).

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