vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
Credit Management LP is trying to collect a debt from me that I do not owe. My XXXX  report was reflected a " unpaid '' account status and I've never entered into any business with this company. This entry is defamation to my character, I will not hesitate to file a suit against you in small claims court for this violation of my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-07 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: First Help Financial, LLC
State: MA

Complaint narrative:
I have submitted a dispute with XXXX  credit bureau 3 times about a false claim on my credit report of a car repossession. It is with the company First Help Financial. Their address is XXXX XXXX XXXX, XXXX XXXX XXXX ma XXXX. I have never taken out a loan for a vehicle in my life and have only leased my cars. I called First Help Financial personally and gave them my name and my date of birth and they told me that they have no one in their record with MY NAME and MY BIRTHDATE. So that obviously means it is not me in that repossession and it should not be on my credit report. This is impacting my credit score but it seems everyone that works at XXXX  credit bureau does not know how to do their job correctly. So I am filing a complaint towards them.

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 2021-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sterling Infosystems Inc.
State: CA

Complaint narrative:
XXXX vs sterling infosystems said they would fix my info and credit

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 2021-07-07 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: TN

Complaint narrative:
After seeing my credit report I found items in there that are inaccurately reporting. The Congress grant me the rights to dispute and correct what i know is erroneous from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: NC

Complaint narrative:
DURING A DATA BREACH MY PERSONAL INFORMATION WAS FRUADULENTLY ATTAINED AND USED TO GET MEDICAL SERVICE AND ALSO TRY TO APPLY FOR SERVICES THAT RESULTED IN INQUIRES

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 2021-07-07 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: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
A bill does not imply that these account are valid, anyone can send a bill a claim ownership. I do not have any agreement with these company a contract showing that I have legal obligation to pay them. I am requesting you to send to me all the paperwork associated with the mentioned accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have continued to request Experian to remove XXXX XXXX XXXX as its not my account. Its now over the 30 days and still no response. Please have them remove this account, its not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: NC

Complaint narrative:
DURING A DATA BREACH MY PERSONAL INFORMATION WAS FRUADULENTLY ATTAINED AND USED TO GET MEDICAL SERVICE AND ALSO TRY TO APPLY FOR SERVICES THAT RESULTED IN INQUIRES

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: FL

Complaint narrative:
This debt is not mine and has never been. It keeps getting sold every time I dispute it and they can not verify the debt so it seems to never go away and is negatively affecting me. 

Plus the original date that this first started showing up was over 7 years ago. Every time they sell debt they change the date to current.

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 2021-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One account was paid in full and closed out. Before I submitted the final payment I told the creditor I was homeless and trying to get a VA loan and asked if they could clear my late payments which were holding me back. The representative told me once they received the final payment she would make sure I was cleared and that my account would be closed out so I wouldve have any more issues in the future with my credit. Upon mutual agreement I submitted my final payment and until this day Ive been waiting for an update. I was promised they would submit a request to the CRAs to remove all delinquencies from my credit file. All it says is paid but still has my past due which is holding me back from trying to get a house for myself and not sleeping on other peoples couches.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Due to the fact that my Identity was stolen a fraudulent account was opened up. I have a police and FTC report in regards to being a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: LA

Complaint narrative:
I feel these are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 60 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the XXXX  you have caused me. It is clearly stated in Section 611 ( a ) that failing to investigate these matters within 30 days gives a reason to immediately remove these things off my credit report immediately. It has been 60 days, so they should be erased immediately.

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 2021-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I was a victim of identity theft and fraud in XXXX of 2017. A police report was filed with the XXXX XXXX XXXX Police Department. As a result of this identity theft/fraud, XXXX  XXXX XXXX closed my account and confiscated all the money that I had available in both my checking and savings account. In conclusion, I am asking kindly that this fraudulent information be removed from Early Warning Consumer Report. I am looking to open future bank accounts and these fraudulent and inaccurate information that is being reported on my consumer report is causing me issues. 
Early Warning is the only consumer reporting agency that had not accepted my FTC report and Police report, while XXXX  and the others have already verified that their information was inaccurate and they removed the negative accounts from my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I feel these are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX  since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 60 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the XXXX  you have caused me. It is clearly stated in Section 611 ( a ) that failing to investigate these matters within 30 days gives a reason to immediately remove these things off my credit report immediately. It has been 60 days, so they should be erased immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I have called USAA multiple times. My ex husband had a credit card debt with USAA, he paid it off about 6 months ago. He has tried with I also to have USAA update the account that has paid in full. The account has been paid and XXXX  out with a XXXX  balance. The account is still showing up with negative history and a balance of over $ XXXX I have called them and written letters to have this account removed from my credit report. I can not purchase a home with this account on my report. This account was only placed in my name as an authorized user. I have documentation stating this account is paid in full with a XXXX  balance and they also refuse to remove it from my credit report. They must remove it. This account has been paid off since XXXX of 2021. USAA as a company just gives me the run around and states that i have to contact the credit agencies to have it removed. When i contact the credit agencies they state that USAA must report to them that it has been paid in full at a XXXX  balance. They just give me the run around like always.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: D2 Management LLC
State: CA

Complaint narrative:
D2 Management repeatedly calls my phone number and my wife 's phone number using local spoof numbers. They don't identify the company they are calling from until asked several times and they get nasty and rude when identifying the company. 
Neither of us have any debt at all and nothing in collections. The company refuses to send us proof of debt or give us any information over the phone. They literally don't even want to tell us the name of the company until we provide them with the last four of our SSN, which we will not do. I have repeatedly told them that I will not give out my info to someone randomly on the phone. They can identify themselves, use their real phone number and even ask me to confirm what they have after they tell me at least part of what they have but I will not give my information first. 
According to the XXXX  this seems to be what they do to everyone they call. This is a huge red flag for a scam company. 
Their most recent call was XX/XX/2021 from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have an California EDD Debit card from bank of america. Someone captured my card and pin around XX/XX/XXXX and made 4 separate withdrawals over 4 days totaling {$3500.00} and drained my account. The bank is claiming I made the withdrawals but I never did. They have never fully investigated it and are claiming it was me when I was not in the area at the time. They keep closing this investigation without looking at any evidence

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 2021-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
This company called repeatedly at inappropriate after hour times and left abusive voicemails on my answering machine threating to take legal action if I did not pay them. This company is also reporting inconsistent and unverified information on my credit report. I disputed this information directly with the company but I still hadn't received the original document from the original creditor. Also the names, date, and balance associated with this account is inconsistent and inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-07 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: LJ Ross Associates
State: AL

Complaint narrative:
A bill does not imply that these account are valid, anyone can send a bill a claim ownership. I do not have any agreement with these company a contract showing that I have legal obligation to pay them. I am requesting you to send to me all the paperwork associated with the mentioned accounts.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: National Credit Adjusters, LLC
State: AL

Complaint narrative:
A bill does not imply that these account are valid, anyone can send a bill a claim ownership. I do not have any agreement with these company a contract showing that I have legal obligation to pay them. I am requesting you to send to me all the paperwork associated with the mentioned accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2021-07-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day, well over 60 days later I have not received a response. I feel like they are taking advantage of my by ignoring my disputes. I'm aware that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It is been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person. I have also attached a photo of my government ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: Thaxton Investment Corporation
State: IL

Complaint narrative:
I finally received rather full copy of my XXXX  credit report today and AS USUAL found another mistake!! What is wrong with the lazy credit bureaus and businesses that I have not pulled one single credit report on the last 11 years that has not had errors?? Fine then for each error and the government will have lots of new revenue to use and the public will have updated and correct credit reports as the law states is our right to have!!! They left my old Heights Finance loan on my report and it shows still open, it shows the wrong loan number this was refinanced and closed and so paid perfectly. The loan on my reports showing # XXXX was refinanced and this loan should show closed and refinanced that was made in XXXX  XXXX IL!! I refinanced it and added {$850.00} to move it to the XXXX IL location!!! I have attached the paid in full documents for this loan on my credit report to be corrected and also the copy of my new and only loan with the XXXX IL office you need to add on to my report after you verify with both locations!! They should have done this already it has been over a month ago!!! I want this complaint sent to both Heights Finance locations XXXX  XXXX IL and XXXX IL and their corporate office as well as to XXXX, XXXX  and XXXX!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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:
Inquiries below ain't mine they are fraudulent. Please remove as soon as possible. They should not be on report. XXXX XXXX, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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 — Investigation took more than 30 days
Company: Specialized Loan Servicing Holdings LLC
State: UT

Complaint narrative:
Transunion is falesley reporting a 90 day late payment on our Mortgage for a house in that was sold. The mortgage company Specialized Loan Servicing when contacted says they show no late payments and that per COVID rules the loan was in forbarence and not reported as late. We. also have the forbarence letters and records showing no late payments. Please see the attached 2 credit reports that clearly show Specialized Loan Services Loan was paid with NO LATE PAYMENTS ever! 

This was disuputed 3 times in a row with XXXX  and they still have not fixed the issue. All other credit repoirts show no late poayments. Further you can not talke to a live person and or access their website currently. There's no way to get them to correct it as it seems to be all automated and resets back to the inncorect data. 

This is impacted our credit and ability to purchase a home.

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 2021-07-07 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I submitted a letter on XX/XX/2021, about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 35 days. I feel as though I'm being used and that my complaints are being ignored. It is clearly stated in Section 611 ( a ) that failing to investigate these issues within 30 days is a reason to remove those things off my credit report immediately. It has been over 35 days, and they should be erased immediately. I demand that these accounts be removed immediately, or I will file a litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.

Company response to consumer: Closed with explanation