vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MD

Complaint narrative:
A debt with HSBC Mortgage account # XXXX was " charged off '' / '' Profit & Loss Write-off '' back in XXXX as indicated in the attached old XX/XX/XXXX & XX/XX/XXXX credit reports. I received a XXXX from IRS and paid taxes on this debt as it was considered earned income. HSBC has a lien on the property and will not release the lien. I have contacted them to request this lien removal for the past 30+ days and they keep transferring me to numerous people that continue to obtain the same information from me each time i call. HSBC is trying to collect on a debt that is not owed. I am requesting that they release the lien on XXXX XXXX XXXX as this loan was charged off 11 yrs ago and I have already paid taxes on the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 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: NV

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : 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 2019-05-29 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: TX

Complaint narrative:
Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. Experian continues to allow this unregistered debt collector unlawfully report unverified information. I have submitted several disputes.

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 2019-05-29 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: NV

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 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: NV

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
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 2019-05-29 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX DE XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: COLLECTION BUREAU INCORPORATED
State: CA

Complaint narrative:
This is related to the complaint ID XXXX. I'm being harassed by a debt collector regarding debt I have never failed to pay. I could not locate the original creditor but the debt collector seems to have found them. I am filing this complaint so that the debt collector stop harassing me because I did not fail to pay this debt. I do not want it as a collection on my credit file because this debt is in a good standing. 
Here is a copy of my original complaint : On XX/XX/XXXX, I received an alert from a credit reporting agency stating there is a new delinquent account added to my credit file. When I checked my credit report, I saw a company had sold an account I was current on to a collection agency. I set up an automatic payment with them a year or so prior. They have never called me or sent me mail to notify me about the account. The automatic payment was happening until XXXX, XXXX. I have never stopped the automatic payment. I have never received a notification about unsuccessful attempt to withdraw from my account, if any. I don't believe there was one. I tried to contact XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, AZ XXXX, a company with which I set up an automatic payment. I was told they are not responsible for my account anymore and they can't locate it. I attempted repeatedly to find out what happened.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial
State: NC

Complaint narrative:
Called XX/XX/XXXX wasn't in agreement with the pay off amount on XX/XX/XXXX over XXXX after paying XXXX since XX/XX/XXXX have to make payments until XX/XX/XXXX to pay off in payments on a loan of XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC
State: NM

Complaint narrative:
Radius Global Solutions continues to call at XXXX XXXX XXXX each evening. It is a robot call with no operator and no ability to leave message. I called and told them i owe nothing and i have no debt. They continue to call and i can not block since they change numbers. How can i have FTC charge them? Called XX/XX/19

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is reporting a debt from XXXX in which I have sent them not only a letter from debtor stating that I am not responsible but also proof that I have the title to the car in question. There is no lien, and furthermore, I would not have the title in my name if there were still a debt owed. They have failed to verify violating FCRA.

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 2019-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: NJ

Complaint narrative:
XX/XX/2019 {$8900.00} Debits colector Lockhart Morris & Montgomery Original creditor XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 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: NY

Complaint narrative:
i am a victim of identity theft. the inquiries on my report I do not recognize

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 2019-05-29 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Equitable Acceptance Corp
State: PA

Complaint narrative:
In XX/XX/2016 I introduced to a student loan consolidation program. The program was said to be apart of the XXXX XXXX XXXX XXXX. I was presented the idea that the consolidation would be income based. Based on my income at the time, I paid {$330.00} Up front then had to continue to pay {$39.00} to equitable acceptance every month as repayment to my existing student loans. As I begin to go through the process of buying a home and gathering info on my student loans, I was informed that my loans have not been consolidated through the company as promised and my XXXX payment was not going towards paying off my loan as promised. In fact there was a line of credit opened instead of a consolidation and Ive been paying on that over the years instead of my student loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Total Card, Inc.
State: CA

Complaint narrative:
A job offer ran my credit report and this was on my credit. I sent in all paperwork requested except police report as they would not release any information to me. I did not open a card I think it is. I asked them to send me information on this account also and they will not provide it. XXXX XXXX XXXX ACCOUNT XXXX {$230.00}. Several emails

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 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: Eastern Revenue, Inc.
State: NC

Complaint narrative:
The collection agency has re-aged this account according to the original creditors date of first delinquency. I disputed 2 accounts with XXXX XXXX XXXX regarding the balances of {$700.00} and {$1300.00} which was successfully deleted on XX/XX/2018. The 2 accounts reappeared under a new collection agency Eastern Revenue Inc. with a new date of XX/XX/2018 being the start of the collection. Currently I disputed and currently Im waiting for a response but I know its against the law to re-age an account to look newer than what it actually is. The original creditor is XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 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: CT

Complaint narrative:
A bankruptcy was added to my credit profile in XXXX of 2018 but never verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MI

Complaint narrative:
Between the years XXXX to present, A XXXX XXXX account was posted on my credit reports for the amount of {$2600.00}. I started a review of my credit reports around XX/XX/XXXX and noticed the account on my credit reports and requested a dispute because this was in fact not my account. 

On XX/XX/XXXX I was served with a summons in regard to this XXXX account by Jefferson Capital Systems and the attorney on file ; XXXX XXXX. The summons states that I am the assignee and owner of this account. 

I have determined that this account is a result of someone using my personal information fraudulently from XXXX, MI and opening this XXXX account illegally. This account has been reported on my credit reports for over 3-4 years and should have never been attached to my personal information. 

The facts that this is not my account are : 1. I have never opened a XXXX Account in any State or the State of Michigan ; city or county, etc. 

2. I have never lived, rented or owned any property that would require me to open a XXXX account. 

3. I have never given anyone permission or consent to use my personal information and social security number to open a XXXX account as stated. 

4. I have never lived in the city of XXXX, MI and never resided at XXXX XXXX XXXX XXXX, MI as listed on the XXXX account billBetween the years XXXX to present, A XXXX XXXX account was posted on my credit reports for the amount of {$2600.00}. I started a review of my credit reports around XX/XX/XXXX and noticed the account on my credit reports and requested a dispute because this was in fact not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 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: WI

Complaint narrative:
Have an old XXXX XXXX account that's been current on payments since XX/XX/XXXX, but keeps showing severely late. I've already addressed this issue directly with XXXX XXXX   and they advised that the problem isn't on their end but how the credit bureaus are showing my payment history. Instead of noting the arrears as a past open account with current payments the bureaus are reflecting an old account with severely late payments from XX/XX/XXXX to current date ( XX/XX/XXXX ). I've attempted several times to address this with the bureaus to note the account and payments correctly. However, it is still not corrected. I have copies of pay stubs showing these payments on time set on auto deduction. Why is this still not updated? The bureaus all need to get on the same page and update how they view and notate XXXX XXXX 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 2019-05-29 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: CT

Complaint narrative:
A bankruptcy was added to my credit profile in XXXX of 2018 but never verified.

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 2019-05-29 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: CT

Complaint narrative:
A bankruptcy was added to my credit profile in XXXX of 2018 but never verified.

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 2019-05-29 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: NV

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX ( Original Creditor : 11 XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX ( Original Creditor : 11 XXXX XXXX ) XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 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: VA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX XXXX and 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 2019-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XXXX placed a collection on my account, I disputed the collection as not owed and asked for evidence. The debt was removed. XXXX sold a collection that is not owed to XXXX XXXX   XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, FL XXXX. XXXX Account XXXX placed a notice on my credit report XX/XX/XXXX. I disputed the debt the same day and requested evidence of the debt by letter certified mail. It was deleted from my credit report. The same XXXX collection was resold to XXXX XXXX XXXX Account XXXX, XXXX XXXX XXXX # XXXX, XXXX, TX XXXX, ( XXXX ) XXXX and placed on my credit report XX/XX/XXXX. I disputed the debt by letter certified mail on XX/XX/XXXX. The alleged debt is being sold and sold again without each company ever proving that I actually owe the debt. Each year it is being placed again, with a new opening date, on my credit report causing damage to my credit. I have notified Experian but the collection has not been removed. I would like this collection removed from all credit reporting agencies. Rather than prove the debt, it is being resold time and again generating a new collection. Credit reporting agencies need to be more responsible. This is obviously the same debt. It has already been deleted, yet Experian continues to allow it to be reported again and again with no proof that I owe the debt. This amounts to harassment in an attempt to get me to pay a debt not owed.

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 2019-05-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
XXXX XXXX XXXX Repossessed vehicle and sold it at a profit. They sent me a letter stating that I still owe them XXXX dollars. I paid XXXX in interest before they repoed vehicle unexpectedly. 

Also speedy Cash is threatening me to garnish wages and Sue me for XXXX in lawyer fees and court costs.. 
The debt is old and they sent me a threatening letter demanding payment.

Company response to consumer: Closed with explanation