vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-20 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
As I notified Experian before I XXXX XXXX am a victim of identity theft and i did go on my computer to send this dispute myself

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 2020-10-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Revenue Corporation
State: TX

Complaint narrative:
I have requested validation on this debt 2 times and the company has failed to send me any proof that I owe this alleged debt but continues to report this information.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I was a victim of identity theft XXXX XXXX XXXX two acount, XXXX XXXX XXXX /Lvnv funding LLC two acounts XXXX, XXXX XXXX XXXX XXXX . File police report with the city of XXXX Police department. Hire an attorney submitted some letters regarding the California Rosental act and Federal fair debt collection Practice Act. Also contacted the district attorney XXXX XXXX and Office of the Attorney General XXXX XXXX. I wrote to the XXXX Corporation I never got anything from them stating account was closed so they hired another The Collector by the name of XXXX XXXX XXXX. Send me those letters from my attorney and never got any kind of response back to them from them. The other company XXXX they closed account after I submitted all the documents but failed to report it to the credit bureaus. In their records indicates everything still open, even though I got a letter from then to state in the council is already closed. 
Last but not least XXXX XXXX XXXX / Lvnv funding LLC I submitted all the paperwork too. Police report affidavit. I'm still the accounts are not closed how to swim in a few letters they close one of the cancel the one that left it open and they hired a law firm by the name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. And they're suing me I feel the fact that I contact their office and give him all the information as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I sent letters out certified over 60 days ago and have not be notified as a consumer I feel like these people are taking advantage of normal people

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 2020-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
THE DISPUTED ACCOUNT ARE DISCHARGED BANKRUPTCIES THAT ARE NOT AUTHORIZED TO REPORT ON MY CREDIT FILE. THIS ACCOUNT IS HURTING MY CREDIT TREMENDOUSLY AND I AM REQUESTING IMMEDIATE REMOVAL FROM THE THREE REPORTING CREDIT BUREAUS.

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 2020-10-20 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: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
A few years ago credit acceptance, charged off this account and closed it. They then checked my credit without my knowledge and then started reporting me as having late payments again recently. The account was written off so it should show on my report as such not that I am not making my payments.

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 2020-10-20 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Santander Consumer USA Holdings Inc.
State: CO

Complaint narrative:
On XX/XX/2019 we traded our XXXX into the dealership and used it to buy a new car. At the point the dealership was supposed to assume and payoff any existing loan, which they did but late, so now I have a " >Account 30 Days Past Due Date< '' payment on my credit report. I have tried contacting XXXX ut my dispputes haven't worked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-20 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: NY

Complaint narrative:
A few years ago XXXX XXXX, charged off this account and closed it. They then checked my credit without my knowledge and then started reporting me as having late payments again recently. The account was written off so it should show on my report as such not that I am not making my payments.

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 2020-10-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
I have requested twice to have this debt properly validated and this company has refused. I have not been shown proof that I owe this medical debt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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: ID Analytics, Inc.
State: NY

Complaint narrative:
As I notified XXXX  before I XXXX XXXX am a victim of identity theft and i did go on my computer to send this dispute myself

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have contacted these companies with letters countless times and gave them 30 days to respond. They have yet to respond and remove these negative unauthorized items off my credit report. Here is a copy of the letter below.

To Whom It May Concern, This letter is a follow up to my original  letter dated XX/XX/XXXX regarding an inaccuracy in your credit reporting. 
Specifically as it relates to credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. XXXX XXXX & XX/XX/XXXX 2. XXXX XXXX & XX/XX/XXXX 3. XXXX   XXXX & XX/XX/XXXX XXXX XXXX XXXX  & XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., XXXX XXXX ( C.D.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : 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 explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
THE DISPUTED ACCOUNT ARE DISCHARGED BANKRUPTCIES THAT ARE NOT AUTHORIZED TO REPORT ON MY CREDIT FILE. THIS ACCOUNT IS HURTING MY CREDIT TREMENDOUSLY AND I AM REQUESTING IMMEDIATE REMOVAL FROM THE THREE REPORTING CREDIT BUREAUS.

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 2020-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
THE DISPUTED ACCOUNT ARE DISCHARGED BANKRUPTCIES THAT ARE NOT AUTHORIZED TO REPORT ON MY CREDIT FILE. THIS ACCOUNT IS HURTING MY CREDIT TREMENDOUSLY AND I AM REQUESTING IMMEDIATE REMOVAL FROM THE THREE REPORTING CREDIT BUREAUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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: MA

Complaint narrative:
Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with  XXXX, XXXX, and Ex

perian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps  who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 
1.XXXX  acct. # XXXX bal. $ {$19000.00}, 2.  XXXX/XXXX  acct. # XXXX 3.XXXX  ( Original Creditor : XXXX  ) acct. # XXXX**** 4.XXXX  ( Original Creditor : XXXX  ) acct. # XXXX** 5.XXXX  ( Original Creditor : XXXX  ) acct. # XXXX** 6.XXXX  ( Original Creditor : XXXX  ) acct. # XXXX** 7.XXXX  XXXX  acct. #  XXXX 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
Consumer complaint received 2020-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was a victim of identity theft XXXX XXXX XXXX two acount, Bbva Compass bank /XXXX XXXX XXXX two acounts XXXX, XXXX XXXX XXXX XXXX . File police report with the city of XXXX Police department. Hire an attorney submitted some letters regarding the California Rosental act and Federal fair debt collection Practice Act. Also contacted the district attorney XXXX XXXX and Office of the  Attorney General XXXX XXXX. I wrote to the XXXX XXXX I never got anything from them stating account was closed so they hired another The Collector by the name of XXXX XXXX XXXX. Send me those letters from my attorney and never got any kind of response back to them from them. The other company XXXX they closed account after I submitted all the documents but failed to report it to the credit bureaus. In their records indicates everything still open, even though I got a letter from then to state in the council is already closed. 
Last but not least Bbva compass bank / XXXX XXXX XXXX I submitted all the paperwork too. Police report affidavit. I'm still the accounts are not closed how to swim in a few letters they close one of the cancel the one that left it open and they hired a law firm by the name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. And they're suing me I feel the fact that I contact their office and give him all the information as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
Waypoint Resource Group is falsely reporting a balance of {$190.00}  from XXXX that I do not owe. I asked the representative with Waypoint Resource group if they owned they debt and she said that  they do not. I have a {$0.00} balance with XXXX XXXX, therefore, Waypoint Resource Group should not be reporting anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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: SC

Complaint narrative:
On XX/XX/2020, I contacted all 3 credit reporting agencies in writing, via USPS Certified Mail, and informed them that I have recently become aware that I have been a victim of IDENTITY THEFT and provided them with a copy of my Police Report, Identity Theft Affidavit, driver 's license and a recent utility bill and requested that they comply with the FCRA Section 605B, by blocking the information that I have detailed to them that was fraudulent on my credit file. To date, neither of the 3 credit reporting agencies have taken my situation seriously and have treated it as a routine dispute.

FCRA Section 605B states : Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4
business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

According to USPS Certified Mail Tracking Information, XXXX   received their package containing all of the above required information on XX/XX/2020 ; Equifax received theirs on XX/XX/2020 ; and XXXX  received theirs on XX/XX/2020. Each one of the Credit Bureaus are in receipt of the required information, yet they have not acted in accordance with FCRA Section 605B. The bureaus are treating my Identity Theft as a routine account dispute and have not blocked the fraudulent information within the 4 days, as required by FCRA Section 605B.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: Google Compare Credit Cards Inc.
State: TX

Complaint narrative:
Yesfor the last two months when all of these third parties where trying to pay me thru company and banks..i wasnt able at first to access the different banks because it seems like my Info was already been put in..I just recently just finish filling my taxes, and which I had to verify myself three times..now my phone has been taken over..my cards have been deactivated and passwords..I have a stimulus check that been sent out this week and afraid I might not get that..I haven't  received no income since XXXX..I 'm looking for to this other money coming from filing With the S.E.C and which and funds from non-profit..I need y'all 's help.. because these people are Accessing the  cash at XXXX, XXXX XXXX, XXXX and at the cashier 's draw with a barcode.and also m using prepaid cards under my name.. Google pay, XXXX  , all the money apps.have or had as well as bank accounts has been made wihout my consent since this summer til yesterday..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have been an authorized user on my fianc capital one credit card for the past two years. They have been reporting to only two credit bureaus  XXXX XXXX and XXXX. I called in XXXX to inquire why haven't they been reporting to XXXX  and they blamed XXXX. I called XXXX  and they said it was capital one responsibility. I keep getting the run around with Capital one and with them not reporting to my XXXX  report it shows a big discrepancy between my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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: FL

Complaint narrative:
I started looking to refinance my mortgage about XX/XX/2020. I looked at my credit score on my XXXX XXXX XXXX app and it was low and our  credit is excellent. So I got a credit report from TransUnion  XX/XX/2020 and they show someone else 's name, completely different on my credit report that is badly hurting my credit. I have never heard of this person ( " XXXX  '' ) and I have never had a XXXX account. I filed a dispute with TransUnion  and they refused to take it off. XXXX   already removed it for me. The amount is {$2400.00} that is in collection, from XXXX XXXX. The collection company is their own, XXXX XXXX  XXXX. For over a week TransUnion told me to call the collection company, who told me to call XXXX, who told me it was in collection, nothing they could do. I asked for a supervisor, they called me back, said they would investigate, today XX/XX/2020. Instead, they sent me an email with a form that has MY ADDRESS with this other person 's name on it and they want me to sign it. I refuse to sign anything with a criminal 's name on it, it was never my account. XXXX gave credit to someone using my SSN and never checked the name, they are 100 % at fault here. How can TransUnion put someone else 's name on my account?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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:
Their are incorrect accounts reporting on my credit reports 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 explanation
Consumer complaint received 2020-10-20 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I have spoken with XXXX directly and have disputed the balance shown *twice* already. Rather than fixing the error, XXXX 's solution seems to be to drop back a month and report an even higher incorrect balance to Equifax. Twice they have reported to Equifax that they are reporting correctly but clearly they are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/2020, my son had initiated money transfer from his Paypal account to my paypal account. Both the accounts are tied to our individual bank accounts. 

On XX/XX/XXXX XXXX XXXX XXXX deducted money from my son 's account.

Paypal did not deposit the money into my account as of XX/XX/2020 - XXXX XXXX  PST. 

There is no phone number to call!!

Company response to consumer: Closed with non-monetary relief