vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-06 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, 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 Reported : XX/XX/XXXX + {$1200.00} Closed XXXX XXXX  Reported : XX/XX/XXXX+ {$1200.00} Closed XXXX XXXX XXXX Reported : XX/XX/XXXX +  {$620.00} Closed

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 2020-01-06 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS 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  Reported : XX/XX/XXXX + {$1200.00} Closed XXXX XXXX  Reported : XX/XX/XXXX + {$1200.00} Closed XXXX XXXX XXXX Reported : XX/XX/XXXX + {$620.00} Closed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax has incorrect information on my Credit report. I went on line to file a dispute. 
I tried to log into my.equifax.com to file a dispute. I put in my information, the site said I had an account already. I do not recall creating an account with them. I clicked on " forgot password '', and it said it would send me information to my email. I checked my two email accounts that I currently use, and there was no login information. I called the help line, spent over an hour and a half on the phone, being transferred from one department to another. Talked to at least 4 different representatives who asked me the same information over and over again. I talked to the disputes department to try and file a dispute via the phone, he said he couldnt find my SSN. Each rep I talked to said they couldn't pull my information up with my Social Security number to reset my account. They kept telling me if I couldn't remember which email address, I needed to create a new account. I kept telling them that the dozens of times that I have tried, it wont allow me to create a new account, it just keeps telling me I already have an account.

I asked who can you refer me to when a problem needs to be escalated? The last agent said my supervisor, I will transfer you, she put me on hold and then she hung up on me.

They must have me in their system, I am attempting to refinance my mortgage. The mortgage agent pulled all three reports on Friday. Equifax was the only one that showed incorrect information that needs to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BARCLAYS BANK DELAWARE
State: AL

Complaint narrative:
I Have sent out 3 debt validation letters to this company requesting to show proof that they have the legal right to be on my credit reports. Each dispute was dated, notarized, and sent via certified mail and in accordance with the FCRA Section 616, Section 617, Section 609 and Section 611 which states if the UNVERIFIED items listed below are not deleted immediately. I Have been ignored with each request. This company has held me back from moving forward with my life and refuses to offer verification for my detrimental setbacks

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 2020-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MA

Complaint narrative:
Twice in 2019 I tried to contact Mr. Cooper, an online mortgage servicer, by email. I often received prompt responses from customer service agent XXXX XXXX. 

However, these responses almost always failed to answer the question posed or escalate the service beyond XXXX. 

In the XXXX of 2019, I reported Mr. Cooper to this site for failure to produce necessary mortgage documents after weeks of attempts. This happened again in XXXX 2019. 

Indeed, an email link on the Mr. Cooper website, to which XXXX refers clients for important documents, " Research, '' seems to produce no responses at all. 

So this is my second complaint to CFPB about Mr. Cooper for the 2019 calendar year.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
On XX/XX/2020 I filed a dispute for three unauthorized inquiries with Equifax via myEquifax.com. Was informed on XX/XX/2020, only 2 days later that my dispute was ready. To my disbelief my dispute was denied. I have been dealing with identity theft problems for the past 3 years and Equifax is well aware of this. As a result of Equifax denying my dispute and only taking two days to investigate I have filed an Identity Theft Report. Included in this complaint are : Identity Theft Report, Letter to Equifax, FCRA 605b,  Credit Report, Drivers License, and Social Security Card

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-06 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: TN

Complaint narrative:
To Whom It May Concern : I have recently been informed that there is negative information reported by XXXX XXXX XXXX partial account XXXX that belongs to the Merchant : XXXX XXXX XXXX XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing a derogatory condition, that the account is high balance of {$300.00} in XX/XX/XXXX This negative mark found on my credit report for a debt I dont owe is a violation of the FCRA & FDCPA. This account has been paid in full with a balance of {$0.00} as of XX/XX/XXXX. 

XXXX, I have recently been informed that there is negative information reported by XXXX XXXX XXXX XXXX account # XXXX which is also the same account associated with their collection agency, XXXX XXXX account # XXXX, in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing a derogatory condition, that the account is charged off for {$560.00} in XX/XX/XXXX under the XXXX XXXX and with XXXX XXXX that the derogatory condition is {$520.00} past due in XX/XX/XXXX. This negative mark found on my credit report for a debt I dont owe is a violation of the FCRA & FDCPA. This account has been paid in full with a balance of {$0.00} as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NON PERMISSIBLE USE CREDIT INQUIRY XX/XX/XXXX XXXX NON PERMISSIBLE USE INQUIRY XX/XX/XXXX XXXX XXXX NON PERMISSIBLE USE INQUIRY XX/XX/XXXX XXXX NON PERMISSIBLE USE INQUIRY

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 2020-01-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I wrote TransUnion to inform that there are creditors that theyre allowing to report against my credit report that I have no legal binding contract with. And they informed me that I would have to get an attorney to have the items removed.

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 2020-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Real Time Group, Inc.
State: MN

Complaint narrative:
Both Real Time Resolutions and XXXX ( XXXX XXXX XXXX XXXX ) have violated ; FDCPA ; Practicing Unlawful Debt Collection ; illegally Attempt to Collect a Settle Debt ; Illegally Attempting to Collect a Debt Not Owed and Falsification of Debt Owed Both RTR and XXXX ( XXXX XXXX XXXX XXXX ) are illegally attempting to collect a settled debt from Case No. XXXX ( XXXX vs. XXXX XXXX ) Filed XX/XX/2008 in XXXX, MN with Settlement Judgement reached XX/XX/2008 and Recorded XX/XX/2008. 

XXXX ( XXXX XXXX XXXX ) illegally misrepresented themselves as student loan collectors from XXXX. Only when my wife and I were victims of identity theft was when I found out that they were collecting on same settled debt from XXXX. They ceased collections after I filed numerous complaints and threaten lawsuit. They were supposed to refund all the money they took from me and never did. 

XXXX has also not been helpful in attempts to find records of this disputed settled debt. In addition to having both the court administrators office and my bank looking for paperwork from 11 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 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: CO

Complaint narrative:
I purchased a ticket through zelle and XXXX bank, after reviewing ticketmasters policies. XXXX claimed that tickets were instantaneous and not refundable when transferred. After the seller transferred me a ticket and I accepted it a little while later XXXX emailed me saying they were fraudulent. according to ticketmasters online statements once you accept the tickets there is no problem. These tickets turned out to be fraudulent and now XXXX nor zellewill refund my {$270.00}. The ticket transfers were done with in the XXXX app.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I received a call from Wells Fargo Mortgage on XX/XX/XXXX at XXXX XXXX. I advised it was past time and hung up. I ended up calling them back 10 minutes later and the representative I spoke to said it was just a courtesy call when I advised her how late it was. I explained the FDCPA and calling after XXXX is not ok. I spoke to a supervisor and all my information was passed along to a complaint dept. I was called back on on XX/XX/XXXX at XXXX XXXX. The woman stated she would look into the issue and call me back within 5 days. I have never received any call back regarding the issue as of XX/XX/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 2020-01-06 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: TN

Complaint narrative:
To Whom It May Concern : I have recently been informed that there is negative information reported by XXXX XXXX XXXX partial account XXXX that belongs to the Merchant : XXXX XXXX XXXX XXXXXXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing a derogatory condition, that the account is high balance of {$300.00} in XX/XX/XXXX This negative mark found on my credit report for a debt I dont owe is a violation of the FCRA & FDCPA. This account has been paid in full with a balance of {$0.00} as of XX/XX/XXXX. 

XXXX, I have recently been informed that there is negative information reported by XXXX XXXX XXXX XXXX account # XXXX which is also the same account associated with their collection agency, XXXX XXXX account # XXXX, in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing a derogatory condition, that the account is charged off for {$560.00} in XX/XX/XXXX under the XXXX XXXX and with XXXX XXXX  that the derogatory condition is {$520.00} past due in XX/XX/XXXX. This negative mark found on my credit report for a debt I dont owe is a violation of the FCRA & FDCPA. This account has been paid in full with a balance of {$0.00} as of XX/XX/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 2020-01-06 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: TN

Complaint narrative:
To Whom It May Concern : I have recently been informed that there is negative information reported by XXXX XXXX XXXX partial account XXXX that belongs to the Merchant : XXXX XXXX XXXX XXXX XXXX  in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing a derogatory condition, that the account is high balance of {$300.00} in XX/XX/XXXX This negative mark found on my credit report for a debt I dont owe is a violation of the FCRA & FDCPA. This account has been paid in full with a balance of {$0.00} as of XX/XX/XXXX. 

XXXX, I have recently been informed that there is negative information reported by XXXX XXXX XXXX XXXX account # XXXX which is also the same account associated with their collection agency, XXXX XXXX account # XXXX, in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing a derogatory condition, that the account is charged off for {$560.00} in XX/XX/XXXX under the XXXX XXXX and with XXXX XXXX  that the derogatory condition is {$520.00} past due in XX/XX/XXXX. This negative mark found on my credit report for a debt I dont owe is a violation of the FCRA & FDCPA. This account has been paid in full with a balance of {$0.00} as of XX/XX/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 2020-01-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I wrote XXXX to inform that there are creditors that theyre allowing to report against my credit report that I have no legal binding contract with. And they informed me that I would have to get an attorney to have the items removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONEMAIN FINANCE CORPORATION
State: AL

Complaint narrative:
I Have sent out 3 debt validation letters to this company requesting to show proof that they have the legal right to be on my credit reports. Each dispute was dated, notarized, and sent via certified mail and in accordance with the FCRA Section 616, Section 617, Section 609 and Section 611 which states if the UNVERIFIED items listed below are not deleted immediately. I Have been ignored with each request. This company has held me back from moving forward with my life and refuses to offer verification for my detrimental setbacks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
Both XXXX XXXX XXXX  and XXXX ( aka XXXX XXXX XXXX ) have violated ; FDCPA ; Practicing Unlawful Debt Collection ; illegally Attempt to Collect a Settle Debt ; Illegally Attempting to Collect a Debt Not Owed and Falsification of Debt Owed Both XXXX and XXXX ( aka XXXX XXXX XXXX ) are illegally attempting to collect a settled debt from Case No. XXXX ( XXXX vs. XXXX XXXX ) Filed XX/XX/2008 in XXXX, MN with Settlement Judgement reached XX/XX/2008 and Recorded XX/XX/2008. 

XXXX ( XXXX XXXX XXXX ) illegally misrepresented themselves as student loan collectors from XXXX. Only when my wife and I were victims of identity theft was when I found out that they were collecting on same settled debt from Citifinancial. They ceased collections after I filed numerous complaints and threaten lawsuit. They were supposed to refund all the money they took from me and never did. 

CitiFinancial has also not been helpful in attempts to find records of this disputed settled debt. In addition to having both the court administrators office and my bank looking for paperwork from 11 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I Have sent out 3 debt validation letters to this company requesting to show proof that they have the legal right to be on my credit reports. Each dispute was dated, notarized, and sent via certified mail and in accordance with the FCRA Section 616, Section 617, Section 609 and Section 611 which states if the UNVERIFIED items listed below are not deleted immediately. I Have been ignored with each request. This company has held me back from moving forward with my life and refuses to offer verification for my detrimental setbacks

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 2020-01-06 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
This company was not supposed to report anything on anybodys credit bureaus for the set account prior to XXXX 2019 per their letter they reported negative information on my report before the date of that letter I disputed it with them several times and also received a letter from them stating that I was correct in that it would be deleted off of my report they have never done that and continue to tell that credit bureaus that its accurate and its not I would just like the delinquency is removed and it reported from XXXX forward as promised by there later

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 2020-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: MO

Complaint narrative:
AFNI, INC ORIGINAL CREDITOR AT XXXX XXXX XXXX/XXXX/19 {$1600.00} placed for collection

Company response to consumer: Closed with explanation