vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-26 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: GA

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get this item off my credit report so I can move on with my life. 1. XXXX XXXX ( XXXX  and Equifax )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The credit accounts stated on my credit report as delinquent or charged off is baseless in fact. The creditors in question is using the doctrine of account stated. There is no signed contract, nor is there any proof that the account is mine, there is no proof that I used the card in question or agreed to any alleged debt reported by the lender in question. Their claims are completely baseless and must be deleted since there is no proof of any contract between me and them, and therefore there is no permissible purpose under the law to report this data on my credit report. 

Please Delete the following accounts. 


XXXX account ( # 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 2018-10-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The credit accounts stated on my credit report as delinquent or charged off is baseless in fact. The creditors in question is using the doctrine of account stated. There is no signed contract, nor is there any proof that the account is mine, there is no proof that I used the card in question or agreed to any alleged debt reported by the lender in question. Their claims are completely baseless and must be deleted since there is no proof of any contract between me and them, and therefore there is no permissible purpose under the law to report this data on my credit report. 

Please Delete the following accounts. 


XXXX account ( # XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 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: FL

Complaint narrative:
The credit accounts stated on my credit report as delinquent or charged off is baseless in fact. The creditors in question is using the doctrine of account stated. There is no signed contract, nor is there any proof that the account is mine, there is no proof that I used the card in question or agreed to any alleged debt reported by the lender in question. Their claims are completely baseless and must be deleted since there is no proof of any contract between me and them, and therefore there is no permissible purpose under the law to report this data on my credit report. 

Please Delete the following accounts. 


XXXX account ( # 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 2018-10-26 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I filed a dispute with transunion. They did their investigation and came up with the conclusion that the old account was indeed mine. Ok that is fine. The problem with that was after that dispute my credit score went down 61 points. They said other things affected the credit score but on the report it says no new changes. The only thing i can see was when they  updated that dispute. called Transunion and they said nothing can be done.

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 2018-10-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: RI

Complaint narrative:
XXXX XXXX were informed that the only way I could get internet, was if they DID NOT TOUCH landlords antenna wire. They promised they would not. The guy came and I reminded him NOT TO TOUCH ANTENNA WIRE. He said he wouldn't. My landlord came the next month and saw that they destroyed his wire. He no longer got tv reception and forced me to get rid of internet. XXXX broke contract. Then they sold three illegal debt to XXXX. I disputed it and won in XX/XX/2018, so XXXX sold it to Convergent. They broke the contract. They can't enforce a contract that they broke.

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 2018-10-26 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: GA

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get this item off my credit report so I can move on with my life. 1. XXXX XXXX ( Transunion and 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 2018-10-26 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: GA

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX, XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX, XXXX Equifax : XXXX XXXX  : XXXX XXXX : XXXX, XXXX XXXX. Equifax : XXXX XXXX : XXXX XXXX : XXXX, XXXX XXXXXXXXEquifax : XXXX XXXX  : XXXX, XXXX Equifax : XXXX XXXX : XXXX, XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX, XXXX XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX, XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX XXXX : XXXX, XXXX XXXX XXXX Equifax : XXXX, XXXX XXXX XXXX, US DEP ED Equifax : XXXX XXXX : XXXX, US DEP ED Equifax : XXXX XXXX : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I was fraudulently charged. Citi attempted to charge me an additional {$800.00}, claiming I received more credits on my account, although they did not appear on any statements and were not reflected in my balance. It took about 30 min on the phone to resolve the issue. I am concerned that they will double-debit other customers who are unable to understand the process and recover the funds.

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 2018-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST HORIZON BANK
State: NC

Complaint narrative:
I live in XXXX XXXX, NC and recently suffered significant damage to our home from Hurricane Florence. We are working on a claim with our insurance company and just received our first check for restoration. In that we have a mortgage, the insurance company check is made payable to my wife and I along with the mortgage company. I have contacted the mortgage servicing company 's " loss draft department '', and have tried all week to talk with a person about my situation and circumstances. Despite repeated requests, I can not get a return phone call from a supervisor. I want sent instructions and forms, but they do not apply to my situation. The procedure described in the forms are for individuals who are trying to get the insurance check cashed to pay for the restoration. I'm different, in that I've already had work done and paid for the work out of pocket, and I'm presently out of pocket approximately $ 50K. I need to be repaid personally. I can not establish contact with the mortgage servicing company and I have not been provided any forms which address my situation and circumstances whereby I have already paid for the restoration work.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 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: GA

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX XXXX XXXX Transunion : XXXX, XXXX XXXX XXXX : XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX : XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX : XXXX XXXX  : XXXX Transunion : XXXX, XXXX XXXX. XXXX : XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX : XXXX XXXX : XXXX, XXXX XXXX : XXXX XXXX  : XXXX, XXXX XXXX  : XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX XXXX : XXXX XXXX  : XXXX Transunion : XXXX, XXXX XXXX : XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX XXXX  : XXXX Transunion : XXXX, XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX XXXX XXXX : XXXX Transunion : 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 2018-10-26 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX. XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX : XXXX Experian : XXXX, XXXX XXXX : XXXX Experian : XXXX, XXXX XXXX  : XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX  : XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX Experian : XXXX XXXX  : XXXX, XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX  : XXXX XXXX : 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 2018-10-26 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 account XXXX XXXX   XXXX with XXXX  and Equifax for several attempts, to no avail. The account should not be reported on a credit report since this is not mine, I never sign up for this account..Worst, the credit bureaus wont provide proof of the account..CFPB please step up and remove the account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 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: Experian Information Solutions Inc.
State: HI

Complaint narrative:
" " '' I have disputed this collection on this XXXX XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting 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 2018-10-26 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IL

Complaint narrative:
My claim number XXXX  has been recently closed. I have made numerous calls to XXXX XXXX and One Main Financial in XXXX XXXX, IL where I spoke to the manager XXXX regarding this matter to obtain clarification. I was advised that XXXX XXXX was not receiving records from my current doctor, XXXX XXXX, in order to prove that I asked the doctor for the medical records I had XXXX on a three way call with my doctors office and they intern told XXXX that the records requested had been sent. 

On XX/XX/XXXX, I received a call from XXXX at One Main Financial in XXXX XXXX, IL., in which he stated my bill still had not been paid. I called XXXX XXXX again and was advised that the information they were requesting was from XXXX XXXX   which is a doctor I had not seen since XX/XX/XXXX. Prior to this date XXXX XXXX supplied all medical information to XXXX XXXX and my claims were paid, in addition from XX/XX/XXXX to XX/XX/XXXX XXXX XXXX paid my claims while under the care of XXXX. 

While speaking to the XXXX XXXX representative regarding my claim she advised me that she could not tell me what XXXX XXXX needed from XXXX. I was confounded by this statement, because if you are requesting my medical information from a doctor I no longer see I should have a right to know what medical information you are requesting. I asked could the information be sent to my attorney and maybe she could ask XXXX , XXXX to supply the information to XXXX XXXX. I was advised that the attorney does not have a right to know what we ( XXXX XXXX ) are asking a doctor whose care I am no longer under. 

In lieu of this matter I had the attorney fax XXXX XXXX  my medical records from XXXX XXXX I am uncertain what information your company is looking for but I paid a premium for their XXXX insurance, I am off work on XXXX and have been since XX/XX/XXXX, XXXX XXXX XXXX has paid my claims and I am appealing your denial of my claim and ask that you re-instate my payments to One Main Financial. 

From the local office i receive up to 10-15 calls a day, XXXX XXXX and One Main both companies are aware I am on XXXX, this harassment is causing me more health issues. I don't have the money to pay the bill which is why i purchased the XXXX insurance. I have not been presented with an appeal process or any facts of why my case was closed. 

I am trying to save and borrow money to pay the bill or pay something on the bill but the amount One Main stated I could pay was denied 4 days after I agreed to pay it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-26 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: HW Holding, Inc
State: TX

Complaint narrative:
I would linke to request that HUNTER WARFIELD verify the following information : 1. Full original account number 2. Date original account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of first delinquency 6. Dates and times of any phone calls made and to what phone number in attempt to contact me concerning the alleged debt before it was reported to CRA, and so proving that these calls were made within the times governed by the FDCPA law.

If HUNTER WARFIELD is unable to provide the above identifying account information, this account must be deleted from all CRAs. HUNTER WARFIELD also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law. 

I've spoken with them numerous times about the validation of this debt. They've provided me with documentation that doesn't prove what debt is owed. Also, my signature is not on any of the paperwork. I never received any notices from this company. I didn't know I owed this debt until it showed up on my credit report. Please remove from my credit report immediately.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I refinanced my mortgage, which was held by Wells Fargo. They provided a pay off amount, and we wired that plus additional funds to cover any delay in the receipt of those funds. They held the wire and without communicating anything to me, did not apply the funds and then sent me a threatening letter saying I was in default on my mortgage. They would not supply any rationale for the extra amount that was owed. In the end, they charged me mortgage insurance twice in the month of XXXX, which was the additional amount they said I owed before they would pay off the mortgage. I was charged XXXX on XXXX XXXX and the payoff was wired to them on XXXX XXXX. They then charged the account an additional US {$320.00} in mortgage insurance on XXXX XXXX and held up the payoff for almost 10 days so they could charge that additional amount. They acted like they hadn't even provided a payoff total and refused to communicate why additional funds were being charged. This has effected my credit, and is a fraudulent practice. I was told that if a wire is incorrect, the bank normally returns it immediately and provides a corrected amount, rather than holding it for 10 days without explanation so they can charge an extra fee. 

Regards, XXXX 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 2018-10-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have disputed the account XXXX XXXX   XXXX with Experian and XXXX for several attempts, to no avail. The account should not be reported on a credit report since this is not mine, I never sign up for this account..Worst, the credit bureaus wont provide proof of the account..CFPB please step up and remove the 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 2018-10-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: PA

Complaint narrative:
LJ Ross partial account # XXXX WHO ARE THESE PEOPLE? I keep seeing LJ Ross on my report as of mid 2017. Shows a collection balance of {$830.00} XXXX? 

I had to XXXX XXXX, they are a utility service provider. 

Considering I have lived at my current address for almost 4 years, and we do not have a utility provider of XXXX ... WHO DOES THIS BELONG TO?? 

I have repeatedly communicated with all 3 bureaus disputing it's removal and sent a letter to LJ Ross with no response trying to receive paperwork, identification, something.

This is not my account, I have not received any sort of paperwork on this, I do not have gas or electric utilities through XXXX, they are not even a servicer in the area I live!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 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 late payment status reported on the accounts XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not reverse the late payment. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX is reporting a 30 day late payment from XX/XX/2016. The creditor previously removed it as per a prior complaint made with CFPB. The creditor reopened the account and is reporting the same XX/XX/2016, 30 day late payment.

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