vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-12 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alpine Credit, Inc
State: TX

Complaint narrative:
I called Alpine Credit regarding this debt which was placed on my credit report. The hospital that sold the account to them never gave the attorney dealing with this lawsuit case time to pay the medical bill, nor did they notify me that it was going to collection and placed on my credit report in 4 different accounts causing damage to my credit report. I called alpine credit to get the matter resolved and the representative told me it can stay on my credit report and hung up in my face. They are trying to also charge me more than the original medical bill amount. I want this item removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC.
State: LA

Complaint narrative:
I have been going through this for a year now I do not have an account with net credit I have sent police reports of identity theft please remove this off my XX/XX/XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
Inaccurate and defamatory information is being reported on my credit report. I have made several attempts to contact this company to update my credit report by deleting the negative, unverified, and inaccurate information from my file. My first letter was signed and received by them on XXXX/XXXX/2020. The negative item remains a collection, however, I received no letter, let alone proof validity. I then mailed a second validation letter, ( per USPS, it was signed for on XX/XX/XXXX20 ), asking them to prove to me how this negative, erroneous information belonged to me. I received a response stating they've, " reviewed the dispute and will not review again. '' I have given well over 30 days to respond to the validity of this debt with no proof in sight. How is it possible for them to continue reporting CLEARLY Unverified, Invalidated, AND Inaccurate information to my credit report? 

I am requesting this negative and unverified collection be deleted immediately. Once a deletion letter has been drafted, i would like a copy mailed to each of the three major credit bureaus. I am also requesting a physical copy of this deletion letter to be mailed to me directly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX IL XXXX XXXX  XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX {$5800.00} XXXX  XXXX XXXX {$3800.00} XXXX XXXX  XXXX XXXX XXXX XXXX {$830.00} XXXX & XXXX XXXX XXXX {$5200.00} XXXX XXXX XXXX XXXX XXXX XXXX {$5000.00} XXXX & XXXX XXXX XXXX XXXX {$51.00} XXXX  XXXX  XXXX XXXX XXXX {$310000.00}. 

Remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items from my credit report. 
FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING 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 2020-11-12 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: SC

Complaint narrative:
Contacted Experian directly and through their dispute process. Provided proof that account was paid in full. They have not updated or removed the incorrect information showing collection. This is negatively impacting my credit. Why does experian not have any liability in posting incorrect information? They require the consumer to jump through multiple steps again and agin, but will complete an investigation in less than 24hrs. There is NO way they could receive anything from a creditor, review it and/or compare it to the information provided by the consumer. 
Creditor - XXXX XXXX, XXXX XXXX 2019. They show payment was made but the amount is incorrect. It was paid off.Also, its posted 2x ( same account # ) on my credit report with different amounts which even furthers my claim that its incorrect.

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 2020-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Performance Management, LLC
State: MN

Complaint narrative:
No he recibido ninguna prueba de que su empresa haya validado la deuda. Una deuda que est reportando en mi crdito sin ninguna prueba de validacin.

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 2020-11-12 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: AZ

Complaint narrative:
Equifax is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 


1. Company Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX  -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX  -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX  XXXX  Inquiry Date : XX/XX/XXXXXXXX  -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX XXXX Date : XX/XX/XXXXXXXX  -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX XXXX  Inquiry Date : XXXX XXXX, XXXX  -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX -Unauthorized inquiry by Identity Theft 7. Company Name : XXXX XXXX  XXXX  Inquiry Date : XXXX XXXX, XXXX  -Unauthorized inquiry by Identity Theft 8. Company Name : XXXX XXXX  Inquiry Date : XX/XX/XXXXXXXX  -Unauthorized inquiry by Identity Theft 9. Company Name : XXXX  XXXX/XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX  -Unauthorized inquiry by Identity Theft 10. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 11. Company Name : XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by 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 explanation
Consumer complaint received 2020-11-12 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: AZ

Complaint narrative:
Experian is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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 2020-11-12 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 is incorrect
Company: LEXISNEXIS
State: MA

Complaint narrative:
Getting a quote from XXXX XXXX exposed the fact that LexisNexis Risk Solutions were collecting my personal information through a program called XXXX XXXX ( XXXX XXXX XXXX  XXXX ) without me knowing. It had incorrect information on the report, in which XXXX used to evaluate my rates. My current rate with XXXX was highly in turns increased without my knowledge of the fact that they are using LexisNexis ' false information. I called LexisNexis Consumer Center XX/XX/2020 which did not go through. I then called their representative center which they told me to fill a dispute which would take 30-60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 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: MN

Complaint narrative:
The following credit card account listed on my Equifax, XXXX  and XXXX XXXX credit report is lost/stolen : XXXX  XXXX XXXX Visa : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: SECURITY CREDIT SYSTEMS INC
State: NY

Complaint narrative:
I received an alert on XXXX  credit report. I looked and it was notified this particular agency. Security credit systems. I have never received a notice. I dont believe I owe a debt. I call and call and call and it only ever goes to voicemail. So Ive never received any notice and now they put it on my credit report and I dont even know what its for. And Im sure that I dont owe it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I saw that on two separate days two different credit inquiries were done against two different agencies. The company name on both inquiries was Capital One but each inquiry had a different address and phone number. 
I have not applied for credit, seen a new doctor, or even moved so there is no reason for anyone to request a credit report against me. I would like to know why these companies requested a credit report against my name because I did not authorize them for any reason. Below is the information regarding the credit inquiries which does affect my credit and I do not deserve to have this done to me as I have been working hard to clean my credit up. 

Credit Inquiries : Source : XXXX Alert Date : XX/XX/2020 Inquiry Date : XX/XX/2020 Name : CAP ONE NA Phone : ( XXXX ) XXXX Business Type : XXXX XXXX Address : XXXX XXXX XXXX City : XXXX XXXX XXXX State : UT XXXX : XXXX Source : XXXX  Alert Date : XX/XX/2020 Inquiry Date : - Name : XXXX XXXX Phone : ( XXXX ) XXXX XXXX Address : XXXX XXXX  XXXX City : XXXX XXXX : VA XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-12 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: OH

Complaint narrative:
XXXX XXXX XXXX is the servicer on my Fannie Mae loan. In XXXX I was approved for a 3 month forbearance due to a reduction in my pay as a result of the COVID pandemic. I have completed the forbearance and a modification plan but SLS started reporting my account as 6 months delinquent to the credit bureaus in XXXX and continues to stretch the amount of time it claims my account has been delinquent each moth of the modification. I have paid SLS on time every time required but my credit is now ruined and SLS refuses to rectify the situation. I have called and written them multiple times but keep getting no resolution. I'm quite sure this is not what the Federal government had in mind when they passed FFCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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 2020-11-12 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: FL

Complaint narrative:
I HAVE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.

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 2020-11-12 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: TN

Complaint narrative:
I HAVE ASK THE CREDIT COMPANYS TO REMOVE THESE ACCOUNTS THEY HAVE YET TO DO SO.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 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: TN

Complaint narrative:
I HAVE ASK THE CREDIT COMPANYS TO REMOVE THESE ACCOUNTS THEY HAVE YET TO DO SO.

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 2020-11-12 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: TX

Complaint narrative:
Experian is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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 2020-11-12 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: MN

Complaint narrative:
The following credit card account listed on my XXXX, Experian and XXXX XXXX credit report is lost/stolen : XXXX XXXX XXXX Visa : 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 2020-11-12 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: TN

Complaint narrative:
I HAVE ASK THE CREDIT COMPANYS TO REMOVE THESE ACCOUNTS THEY HAVE YET TO DO SO.

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 2020-11-12 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: IL

Complaint narrative:
I was alerted by Experian ( the credit reporting agency ) that I had an update to my credit score on XX/XX/XXXX. I logged in to find that my score had dropped 134 points. I see that two accounts by the name of XXXX XXXX XXXX were opened in XX/XX/XXXX in my name in the amount of {$680.00} and {$530.00}. Apparenty these now are in collections. I called Experian to report fraud and was advised to file a report on ftc.gov but due to the nature of the fraud, I was redirected to this website to file a complaint. It should be known that I do have an open federal class action case against three individuals who stole my mails along with thousands of others and were opening 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 2020-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY XXXX XXXX XXXX CARD. The dates were XX/XX/2020, XX/XX/2020, XXXX XXXX/XXXX XX/XX/2020,XX/XX/2020, XX/XX/2020, XXXX/XXXX 1XX/XX/2020, XX/XX/2020, XX/XX/2020, XXXX/XXXX XX/XX/2020,XX/XX/2020, XXXX/XXXX XX/XX/2020,XX/XX/2020, XX/XX/2020, XXXX/XXXX XX/XX/2020,XX/XX/2020, XXXX/XXXX XX/XX/2020,XX/XX/2020,XX/XX/2020,XX/XX/2020,XX/XX/2020,XX/XX/2020 my income was affected due to the COVID-19 Pandemic shut down. I am in the middle of moving and this late mark is preventing me from moving into a new apt . I was under the COVID-19 SHUTDOWN. The CARES Act calls these agreements accommodations.

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 2020-11-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I have been trying to obtain a mortgage payoff letter for more than week from TD Bank, and can not get one. It is now putting my entire transaction at risk.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX is the servicer on my XXXX XXXX loan. In XXXX I was approved for a 3 month forbearance due to a reduction in my pay as a result of the COVID pandemic. I have completed the forbearance and a modification plan but XXXX started reporting my account as 6 months delinquent to the credit bureaus in XXXX and continues to stretch the amount of time it claims my account has been delinquent each moth of the modification. I have paid XXXX on time every time required but my credit is now ruined and XXXX refuses to rectify the situation. I have called and written them multiple times but keep getting no resolution. I'm quite sure this is not what the Federal government had in mind when they passed FFCRA.

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