vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
There's a charged-off XXXX credit card account account from Midland Credit Management appearing on my credit report. I haven't had a credit card account with XXXX in over 10 years. Therefore, this account has to be a product of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Sold my home and the buyers bank mailed a check on the XXXX to Bank of America and it was received by BOA on XX/XX/20. During the course of my home selling BOA changed the account number do to a system upgrade and they can not provide me any info on the status of my loan being paid off. The other bank shows the check cleared the bank on the XXXX of XXXX but BOA can not give me any info. To date I have contacted them twice via phone ( 4.5 hours on hold ) and once via email with no response or as much as a yes we have your check. Very rude customer service agents keep putting me back into the phone Que. My BOA account number was XXXX but they changed it for some reason during the system upgrade to XXXX. Payment sent was {$44000.00}.

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 monetary relief
Consumer complaint received 2020-08-21 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: GA

Complaint narrative:
Someone has acquired my personal information and have applied for services. I've a fraud alert on my credit file.I wasn't contacted by XXXX  or the companies running these inquiries.I 've contacted the businesses and they're telling me to contact the credit reporting agencies, the agencies are telling me to contact the companies.

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 2020-08-21 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: GA

Complaint narrative:
Someone has acquired my personal information and have applied for services. I've a fraud alert on my credit file.I wasn't contacted by XXXX  or the companies running these inquiries.I 've contacted the businesses and they're telling me to contact the credit reporting agencies, the agencies are telling me to contact the companies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
To whom it may concern, My mortgage with Mr Cooper was in forbearance. By now I exited the program and made up on all payments that were missed totaling {$13000.00} I'm currently applying for a new mortgage loan and I need a letter from Mr. Cooper confirming that all mortgage payments are up to date and that my loan is no longer in deferment. 

I tried calling Mr cooper several times but I'm not being successful in getting this letter

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
THE ACCOUNTS LISTED ARE ACCOUNTS THAT SOMEONE ELSE OPEN IN MY NAME THEY USE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OBTAIN FRAUDULENT ACCOUNTS THESE ARE NOT MY DEBT OR MY ACCOUNTS I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAS.  On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 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:
THE ACCOUNTS LISTED ARE ACCOUNTS THAT SOMEONE ELSE OPEN IN MY NAME THEY USE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OBTAIN FRAUDULENT ACCOUNTS THESE ARE NOT MY DEBT OR MY ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRAS.  On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-08-21 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Someone has acquired my personal information and have applied for services. I've a fraud alert on my credit file.I wasn't contacted by equifax or the companies running these inquiries.I 've contacted the businesses and they're telling me to contact the credit reporting agencies, the agencies are telling me to contact the companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I have a XXXX XXXX XXXX where I XXXX XXXX XXXX XXXX XXXX  and XXXX. I usually use 3rd party sites like XXXX and XXXX but I have a few loyal XXXX  who request to XXXX XXXX XXXX directly. I have had XXXX XXXX  set up for several years with license, tax id, DUNS, etc., so I applied for a merchant account with XXXX in order to process payments. I applied on Sunday XX/XX/20 and the application process is very similar to a credit card application. I was asked for my EIN, Business Information, XXXX, phone number, DOB, and SSN.  After entering the information, I waited for a response and was approved after about 3 minutes. I was instructed to enter my banking information for deposits, and finish the setup. When I finished, I got a notification informing me I was ready to receive payments. I sent my first invoice for {$550.00} and was paid promptly. The next morning, Monday XX/XX/20, I shipped the item via USPS Priority Mail. Tuesday afternoon, XX/XX/20, I got an email informing me that XXXX considered me a " high risk '' for charge backs and they would not be doing business with me. I logged into my account to find they had refunded my buyers credit card, without warning. I was out {$550.00} and my inventory, a XXXX XXXX XXXX XXXX. I tried to contact them but they were not reachable by phone. Luckily, I bank with Chase who is partnered with XXXX, so I called my bank and they managed to find me an email address after about 30 minutes of calling the number they had for support, which didn't work either. I received a response the following day which informed me they would not tell me how they came to the conclusion I was " high risk '' and they had the right to terminate at any time. They directed me to their " Terms of Service '', which I read but why would they have the right without cause? There could be no justifiable cause. They could have denied my application. All my information is valid and up to date. The package was in transit. What am I supposed to do? The last message they sent suggested I should have waited for the funds to be deposited, which is not how credit cards work. That is laughable. If that was the case, I would take checks. Please help me. This is no way to do business and no way to treat people. The coin pouch was delivered Thursday, XX/XX/20, without issue. {$550.00} is a lot of money and I am sure they have done this before and will continue to do this if they can.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 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: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Transworld System continues to blatantly report an inaccurate, unverifiable entry on my credit reports. The entry on my reports reflect that XXXX XXXX reported this entry XX/XX/2020 on my credit report, yet they did not provide any communication to me prior to inserting on my credit reports. No dunning letter was received from this company. I have never did any business with this company, nor have I ever heard of the company. My first disputes were with each of the credit bureaus and the responses provided from each bureau reflected that the entry was verified by Transworld. To that end, I sent a letter to Transworld Systems. Transworld has stated that the account was marked as in dispute ; however, my previous letters to the bureaus reflect that I was  disputing this entry. Why then did they wait to dispute when I disputed with them directly. If they verified the entry as reflected on with the credit bureaus then they should have updated the account to reflect disputed at that time not later. 

To date, this company has not provided any documentation bearing my signature or proving the of the validity of every entry they are continuing to report. As a matter of fact, the attached letter they sent reflects they do not have any information to validate the inaccurate entry they are continuing to report. Additionally, they state they are unable to complete an investigation in a timely manner. This is not my fault and being that they are the company reporting and do not have sufficient evidence to support this negative entry, they must delete it. 
It is obvious that Transworld will not be able to validate their allegation with documentation ; therefore, in the absence of them not responding with any documentation to substantiate the alleged debt with signatures, this entry must be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCP Holdings, L.P.
State: TX

Complaint narrative:
I pulled my credit reports and to my amazement, saw that you report this account with multiple lates. I also have no knowledge of this account. I disputed this information with XXXX and the results of the investigation came back " verified ''. Not only am I late on any of my bills with any creditor, would never be late on this account if I had one with you, but according to the Fair Credit Reporting Act ( FCRA ), as the information furnisher, you are required to notify me of the insertion of negative listings. Since I have disputed the late payments and no knowledge of this account with XXXX, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. Under the FCRA, you are required to conduct an investigation on this account if I request it. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 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: NC

Complaint narrative:
XXXX ; XXXX and Transunion should not be reporting a collection/chargeoff in the amount of {$3500.00} on the XXXX original creditor XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) My son came down with medical issues and I suspected it was due to mold and the neighboring tenants smoking near my apartment. My son has XXXX XXXX and the smoke was seriously harming his health. I contacted the Apartment Complex Manager however, they didn't do anything to address the issues so I contacted the City and when the apartment complex found out that I did this, they forced me to move out. I found out later that they charged me for three ( 3 ) months rent for time I was not living in the apartment. I have attached email correspondence for reference. The apartment complex broke the lease, I did not. This was through no fault of my own. They broke the law for not fixing a material defect and allowing other tenants to smoke near my apartment unit, as well as unlawfully evicting me and kicking me out, and for unlawfully charging me for rents that I do not owe. I do not have an outstanding balance due and therefore there is nothing to collect and/or charge off. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed. I have contacted the  bureaus to remove this however, I have not been 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 2020-08-21 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: NC

Complaint narrative:
XXXX ; Experian and XXXX should not be reporting a collection/chargeoff in the amount of {$3500.00} on the XXXX original creditor XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) My son came down with medical issues and I suspected it was due to mold and the neighboring tenants smoking near my apartment. My son has severe XXXX and the smoke was seriously harming his health. I contacted the Apartment Complex Manager however, they didn't do anything to address the issues so I contacted the City and when the apartment complex found out that I did this, they forced me to move out. I found out later that they charged me for three ( 3 ) months rent for time I was not living in the apartment. I have attached email correspondence for reference. The apartment complex broke the lease, I did not. This was through no fault of my own. They broke the law for not fixing a material defect and allowing other tenants to smoke near my apartment unit, as well as unlawfully evicting me and kicking me out, and for unlawfully charging me for rents that I do not owe. I do not have an outstanding balance due and therefore there is nothing to collect and/or charge off. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed. I have contacted the  bureaus to remove this however, I have not been 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 2020-08-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Accounts on my 3 credit reports are reported as charged off when actually all of the accounts were discharged in Chapter XXXX Bankruptcy on XX/XX/2018 Case Number XXXX. In my previous dispute I submitted Bankruptcy Declaration and Discharge to prove my claim. I'm attaching more supporting documents with this new claim

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 2020-08-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: MA

Complaint narrative:
I sent XXXX  $ via zelle to an email titled " XXXX '' to a man titled XXXX on XX/XX/XXXX for an additional piece to add to my camera. Not only did the product not come in the mail resulting in a scam but my bank told me there is nothing they can do to refund my money for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 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: NY

Complaint narrative:
This is not a Third Party. I am requesting that the following accounts be removed. These are fraud, I didnt benefit, apply for, and authorize these accounts. 
XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX   XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX   XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX N is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX Experian and XXXX   credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine.

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 2020-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Possible Financial Inc
State: TX

Complaint narrative:
On a recent review of my credit report, I discovered your company reporting the collection account referenced herein. I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature Copy of bill showing last default date

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 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: Bridgecrest Acceptance Corporation
State: MO

Complaint narrative:
THE CREDITOR WAS CONTACTED AND MADE AWARE THAT THE REPORTING OF THE ACCOUNT WAS INACCURATE AND IS CAUSING DAMAGES TO MY CREDIT REPORT. THE LATE REMARKS -XX/XX/2020, XX/XX/2020, XX/XX/2020 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 2020-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Experian has without a doubt suggested that the cash reserve of {$500.00} dollars at XXXX is a credit card. It has also alleged that Mr. XXXX is not a shell company for XXXX who has maligned my credit rating by associating a {$4000.00} credit card to tune of XXXX a credit card 4 year old and used this Shell company to assume I have defaulted the mortgage has a score of 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 2020-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX ; XXXX and Transunion should not be reporting a collection/chargeoff in the amount of {$1100.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit. ) The date of last activity was in XX/XX/2014. This account is well over ( 6 ) years old and should not be reporting. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of a collection/chargeoff that is over ( 6 ) years old is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been 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