vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-19 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: NY

Complaint narrative:
On XX/XX/2021 I mailed via USPS tracking a letter addressing my concern on a XXXX XXXX  account # XXXX of what was reporting on my credit file. It was received by Experian on XX/XX/2021 I failed to get any response I once again mailed out a letter letting Experian know that it was reporting questionable data and yet they ignored my initial letter and my second letter as well. At this point after never responding and doing a proper investigation the derogatory listing needs to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
JUNK DEBT BUYER - IN VIOLATION OF THE FDCPA - IN VIOLATION OF MY FEDERALLY PROTECTED CONSUMER RIGHTS Midland Credit Management at XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX has been sending me collection notices and they are reporting a collection account - Account # XXXX - in the amount of {$310.00} the collection has been reported as a balance, a collection account, and an open account. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. This is Aggravated Identity Theft. I have included several violations that you, Midland Credit Management, owe me in my Bill of Particulars.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-19 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: WI

Complaint narrative:
I'm victim of Identity Theft and I have been filed Police Report and Identity Theft Report to FTC, please see a copy of attached documents to support my claim. 
Transunion is only the one Credit Bureau who has reported this negative account on my credit history. 
I also took another step and filed complaint to Attorney General. 
This account need to be removed from my report immediately : 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 2021-09-19 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: LA

Complaint narrative:
On XXXX XXXX I was sent an update of my consumer report from Transunion File # XXXX listed was 5 inquires from unauthorized users XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  this furnishing of information is violation of 15 U.S Code 1692J ( a ). I had problems receiving mail due to moving and was received around XXXX, New updated information was shared through XXXX where I can see Transunion also continued to furnish other 6 other inquires. All furnishing of inaccurate information is a violation of 15 USC 1692kcivil liability. After calling Transunion to get these inquires removed and stated this an agent stated they dont do that. Pay for each inquiry.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Sentry Recovery and Collections, Inc.
State: AZ

Complaint narrative:
I received copies of a writ of garnishment from my employer. A few years ago I received a letter stating I owed a debt from a company I had never heard of to my current address in XXXX  and nothing else since until these copies, which came from my employer and the address for me on the court case is my old one in XXXX. The court case has already been held with out me having any knowledge of it. The debt is now at XXXX where the original debt was XXXX. I believe sentry recovery and collections intentionally used my old address to get a default in court.

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 2021-09-19 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Persolve, LLC - Legal - Series 2
State: FL

Complaint narrative:
Original debt was with XXXX which was in XXXX XXXX new debt collector purchased the debt in XX/XX/2019 and hasnt sent me a contract I have with the new debt collector with my signed signature validating my debt I have with the new debt collector. Ive been asking for proof for about 2 years now and all they can send me is a contract I have with the original creditor. The debt owed was {$9600.00} and the new debt collector is adding interest fees and late payments when Im not even aware of this debt with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 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:
XX/XX/XXXX : XXXX XXXX XXXX XXXX. This inquiry was not authorized XX/XX/XXXX : XXXX XXXX : This inquiry was not authorized XX/XX/XXXX : XXXX XXXX : Unauthorized inquiry. No car purchased. 
XX/XX/XXXX : XXXX XXXX XXXX : Unauthorized inquiry. 
XX/XX/XXXX : XXXX XXXX XXXX : Unauthorized inquiry. No car purchased. 
XX/XX/XXXX : XXXX XXXX XXXX. Unauthorized inquiry. No car purchased. 
XX/XX/XXXX : XXXX XXXX. Unauthorized inquiry. No car purchased. 
XX/XX/XXXX : XXXX XXXX XXXXXXXX XXXX : Unauthorized inquiry. No car purchased. 
XX/XX/XXXX : XXXX  XXXX XXXX. Unauthorized inquiry. No car purchased.

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 2021-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am being reported as deceased, I'm not. 

This is affecting my ability to get employment and credit, because they think I'm dead. 

TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I've tried to work with them and they make it too cumbersome and time consuming

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 2021-09-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: TX

Complaint narrative:
On XX/XX/2021 a one time draft of {$1900.00} was made to IMortgage. On XX/XX/XXXX Loan Depot stated that the payment was returned to the XXXX XXXX  account. When asked why, representatives gave several different reasons such as insufficient funds and that the account could not be found. We have had more than 15 phone calls regarding this issue and mailouts regarding foreclosure. Loan Depot also reported to XXXX that we were 30 days late on our mortgage payment and they promptly lowered our credit score 136 points. All payments were made on time. XXXX provided the transaction history for XXXX showing that the payment was made to Loan Depot on XX/XX/XXXX and never returned to our account. ACH & wire research escalation form was filed with XXXX. The trace # was XXXX. The results from XXXX XXXX  indicate that the payment was made to Loan Depot and never returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 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: LA

Complaint narrative:
These two companies allowed someone to use my personal information without my permission to apply for credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021 received a text from they said Equifax XXXX XXXX XXXX saying my credit score had dropped 46 points on XX/XX/XXXX and to click a link today to confirm or dispute.. Called Equifax and they said did not come from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 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: CO

Complaint narrative:
XXXX closed and removed my complete credit card history in retaliation of filing disputes of fraudulent charges in 2015. Instead of removing fraudulent charges of over XXXX occurring after I paid off the balance in full in XXXX or XXXX of 2015 with money from refinancing a mortgage, they removed my complete credit history which was in good standing and at a XXXX balance. Why would my good credit history be removed all together? 
By doing so they have caused my good credit history length to be reduced as well as the good payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
IM HAVING PROBLEMS WITH PAYPAL SERVICES I HAVE CLIENTS THAT PAY ME THROUGH PAYPAL AND THEY ARE HOLDING UP MY FUNDS I GAVE THEM EVERYTHING THEY ASK FOR KEPT GETTING THE RUNAROUND NO ONE SEEMS TO CALL BACK AND TELL ME THE PROBLEM OF THE SITUATION I AM RUNNING A XXXX XXXX XXXX THAT OFFERS REPAIR CREDIT AND BUSINESS CREDIT. THIS HAPPEN ON XX/XX/2021. 

MY BUSINESS IS CALLED XXXX YOUR CREDIT I NEED THIS PROBLEM FIX ASAP AND PAYPAL STILL HAS NOT SEEMS TO RESOLVE THE ISSUE THEY CAUSED

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am being reported as deceased, I'm not. 

This is affecting my ability to get employment and credit, because they think I'm dead. 

XXXX Consumer Relations  XXXX Equifax Information Services XXXX XXXX XXXX XXXX. 

I've tried to work with them and they make it too cumbersome and time consuming

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am being reported as deceased, I'm not. 

This is affecting my ability to get employment and credit, because they think I'm dead. 

XXXX Consumer Relations Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I've tried to work with them and they make it too cumbersome and time consuming

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 2021-09-19 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: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
These two companies allowed someone to use my personal information without my permission to apply for credit cards.

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 2021-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Mr. Cooper Group Inc.
State: NE

Complaint narrative:
Roughly XX/XX/XXXX I opened an account for use by my daughter with Greenlight financial. They were supposed to send me a debit card within 7-10 days. I waited about 20 days thinking it was delayed, and no debit card was delivered. 

We were able to use the card digitally in the app because at least they gave the card information in the app. 

On roughly XX/XX/XXXX I still hadnt received the card. So I called Greenlight financial and reverified my address and they supposedly sent a new one. This too was never received. 

On XX/XX/XXXX, I again verified my address through their chat system and they again supposedly sent me a new one. I still have not received it. I requested that they send it through another means with tracking but they never confirmed that they did or did not. I assume they sent it through the same broken process they have been using. 

Today I at least tried to use the account with my daughter to purchase something using the card details in the app. The card details are no longer available in the app so I cant even do that. 

They are charging me {$10.00} per month for the account, but there is no way at all for me to access the funds in any way. 

This to me is an unfair and deceptive practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I sent a dispute contesting ownership of my last auto loan because I thought the account belonged to my mother. The dispute was sent to TransUnion, XXXX and XXXX as I recall and on XX/XX/XXXX, I received the results back as " verified '', the account belongs to me also. Well since that day I feel like I've been suddenly harassed as I checked the auto loan results I noted that the headline showed " Needs attention '' and in TransUnion I believe that notation caused a nosedive in the credit score. I could feel negative energy as I noted every collection account at least showed " Needs attention ''. Then I checked the other two bureaus and noted the same thing - " Needs attention '' on every collection account ( some of them are showing incorrect information ) that I haven't disputed.

I contacted the auto loan company they said it was the bureau 's responsibility. I'm hoping for the removal of the " Needs attention '' notation from every account that it has been placed on and perhaps my TransUnion account would see the higher credit score return.

Thank you

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 2021-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc.
State: MD

Complaint narrative:
I had subscribed to XXXX in XX/XX/XXXX while switching over 2 lines and because the reception was poor, I had cancelled the plans in XX/XX/XXXX, within the 20 day window. I had received the XXXX return label and had shipped it out in time. Had expected the lines to be cancelled and my auto-payment stopped, but that never happened until I realized it on XX/XX/XXXX and called the customer service and was assured that the amount be refunded, which it was - but only partially. 
then in XXXX, I received a notice of payment for an amount of {$230.00} with a last date of payment on the invoice of XX/XX/XXXX. I received the latter on XXXX XXXX and made the payment on XX/XX/XXXX. 

However, the account has now gone into collections for no reason whatsoever, and charging me an addition {$59.00}, which was not in the invoice I received in XX/XX/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 2021-09-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: P.S.C., Inc
State: WA

Complaint narrative:
XX/XX/XXXX - Initial Dispute with Credit Bureaus requesting Verification ( no verification supplied ) XX/XX/XXXX - Method of Verification Request Sent to Credit Bureaus ( no details regarding creditor, dates, added info supplied - no change ) XX/XX/XXXX - Wrote to bureaus again requesting verification of the debt and no verification received regarding this account again. 
XX/XX/XXXX - Escalated and sent Validation Letter directly to the collection company ( no true validation has occurred up to this point ) XX/XX/XXXX - I received a bill from the collection company, not validation - it is attached XX/XX/XXXX - Again, I requested full validation on this account again- they supplied a letter stating the sent full validation ( the letter I received on XX/XX/XXXX attached, but again this this is not validation of a debt, it's merely a bill ) XX/XX/XXXX - I received the same bill as a response, with the statement that the debt had been validated back in XXXX ( as you can see from the letter they sent in received XX/XX/XXXX - it is a bill, not legal validation/ Per my consumer rights there are details legally they should be able to provide me the consumer that has not happened. A bill is not validation. 

I will attach proof of the validation requests I have sent. Legally they should be able to supply the following upon request, I do not know what this is for and I am trying to find out and still have not found out. 


What they sent me does not prove that I owe this debt. I requested multiple times they provide legal validation to include the following : ( 1 ). Proof that you either own or were assigned the debt from the creditor.

( 2 ). Proof that you have the right to collect this debt in my state.

( 3 ). Proof that your company carries a bond.

( 4 ). Proof of how your company assessed the outstanding debt.

( 5 ). Payment history from the original creditor.

( 6 ). Name and address from the original creditor.

( 7 ). Copy of the original contract bearing my signature.

( 8 ). Chain of title on this debt.

( 9 ). Proof that you can collect this debt from me.

( 10 ). Do you own or is this debt assigned?

( 11 ) .Copies of all letters sent to me from you and the original creditor regarding this debt.

( 12 ). How much did you buy the debt for? ( 13 ). When
was the last time a payment was made on this debt?

( 14 ). What fees/interest were tacked onto the debt?

( 15 ). How were the fees determined?

It has now led me to file a complaint with the CFPB, because I have been requesting information and it has yet to be provided. I have followed all channels from disputing/investigating validity with the bureaus and the creditor and no one has validated or supplied any of the actual supporting documentation that by law they should be able to supply.

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 2021-09-19 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: TX

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 75 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes to verify incorrect information. Being it has been so long without a response I would like for the items to be removed from my credit report. These accounts are adversely affecting my credit report and costing me thousands of dollars in interest every month and it has been over 75 days so they should be deleted promptly. The accounts, credit reporting and items in question are inaccurate and incorrect and should not be on my credit report because they are not accurate and do not reflect the correct information.

Company response to consumer: Closed with explanation