vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: NY

Complaint narrative:
Someone stole my identity and opened many accounts without my permission or authority.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Specialized Loan Servicing Holdings LLC
State: AK

Complaint narrative:
My mortgage servicer, Specialized Loan Servicing has reported an increase in my mortgage balance to the credit bureaus for the THIRD TIME since I have been on a forbearance plan with them. On XX/XX/2021 Specialized Loan Servicing reported to XXXX  and XXXX that my mortgage balance is {$120000.00}, an increase of {$9000.00}. This, like the previous reported increases, has had a very negative effect on my credit. My billing statement from Specialized Loan Servicing dated XX/XX/2021 shows a balance of {$110000.00}. I filed a complaint with CFPB the second time Specialized Loan Servicing reported an increase on my mortgage dated XXXX XXXX XXXX complaint # XXXX. I reserve any and all rights to seek legal action in this matter.

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 2021-06-30 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: AR Resources, Inc. (FL)
State: FL

Complaint narrative:
ARS collections purchased a debt without my implicit authorization or my knowledge. They also illegally remanufactured and repackaged said debt under various accounts advertised against me on my credit reports without my consent. Even after execution of cease and desist order they continued to enforce the collection of debt by mailing notifications and releasing my data to credit bureaus. This attempt to collect a debt without a valid court order is illegal.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: GA

Complaint narrative:
I am sending a complaint due to Bureaus failure to respond to my dispute in over 60 days and I HAVE NOT received a copy of my credit report which I find alarming, considering I sent out a letter about two months ago. Their lack of response is a clear violation of my rights to have accurate and verifiable information reporting against me. I have given them opportunities to correct the inaccuracies and verify the accuracy and they have failed to do either of them. This is my request for the removal of the disputed accounts from my credit report due to the lack of verification. If they refuse to accept this as an acceptable settlement for their lack of verification then I may escalate this matter. 
My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong individual. 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 non-monetary relief
Consumer complaint received 2021-06-30 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: Medical Data Systems, Inc.
State: NC

Complaint narrative:
When I checked my credit report and I have been checking it for the past months, these accounts are still here reporting in such a way that is derogatory and it affects my standing so bad. I am trying to build my credit and sorting things out. I want to ask for help regarding these accounts. These accounts are reporting collections yet it has a lot of missing information. Please help me out and have them 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 2021-06-30 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:
I HAVE SUBMITTED MY FTC REPORT TO EQUIFAX CONCERNING XXXX XXXX XXXX AND XXXX XXXX. I DID NOT KNOW AT THE TIME WHO IT WAS BUT I BELIEVE THAT MY BROTHER ( WHO IS NOW IN XXXX FOR MURDERING MY XXXX  ) IS BEHIND THIS. THIS IS IDENTITY THEFT AND THEY HAVE YET TO REMOVE IT. I HAVE SUBMITTED A POLICE REPORT IN THE PAST ABOUT THIS AS WELL AS FRAUDULENT INQUIRES AND THEY STILL HAVE NOT REMOVED IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: The Best Service Co.,Inc
State: TX

Complaint narrative:
An itemized bill does not imply that the debt is valid anyone can send a bill a claim ownership.

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 2021-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Someone stole my identity and opened many accounts without my permission or authority.

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 2021-06-30 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XXXX I had sent you a letter disputing UNKNOWN accounts and asking for it to be verified or deleted. The 3 Bureaus has failed to respond to my letter. It has been more than 30 days since the last letter and as I understand, the bureaus are obligated to respond to my letter within 15 days but still I did not received any reposnse

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: TX

Complaint narrative:
I disputed an account reported by your company in the file you maintain under my social security number. I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report. In accordance with the requirements of the FRCA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing 5 business days. I hereby demand that you immediately delete the negative items from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney General 's Office and the XXXX. Please govern yourself accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: OH

Complaint narrative:
I opened a PayPal account for a way to have money direct deposited to me. And was successful. But after receiving those funds PayPal limited my account. I tried to provide the information they asked for but they then sent me a message saying I was no longer able to use PayPal. And now they dont give me the ability to provide any info and they also are holding XXXX $ of my money Numerous phone calls and messages and no resolution. Please help. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The late payments you have reported to the three credit bureaus.

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: NJ

Complaint narrative:
On XXXX I had sent you a letter disputing UNKNOWN accounts and asking for it to be verified or deleted. The 3 Bureaus has failed to respond to my letter. It has been more than 30 days since the last letter and as I understand, the bureaus are obligated to respond to my letter within 15 days but still I did not received any reposnse

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 2021-06-30 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: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
An itemized bill does not imply that the debt is valid anyone can send a bill a claim ownership.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PENTAGON FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I was a victim of violent crime. I am not responsible for this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

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 explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
i am very disappointed that i looked on my consumer report and i saw that i have a bankruptcy showing on my report. As a naturally protected consumer this is a violation of my consumer rights. IF the bankruptcy is accurate i need you to validate it and prove it also have a senior officer from your office swear under the penalty of perjury that the bankruptcy is accurate and has been validated, I got denied a job opportunity because of the bankruptcy showing, my privacy has been violated and its deflamation of character if this issue is not resolved within 14 days i plan to take this matter into litigation and make sure i get compensated for not only the FCRA violation but also the emotional distress this has caused me i am losing sleep and depressed over this matter,

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 2021-06-30 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: DISCOVER BANK
State: SC

Complaint narrative:
Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The late payments you have reported to the three credit bureaus.

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kehoe Financial Group, LLC
State: FL

Complaint narrative:
I was in XXXX for my honeymoon in XX/XX/XXXX. I rented a car from XXXX via XXXX from XX/XX/XXXX to XX/XX/XXXX in that same year XXXX XXXX ). I'm attaching that confirmation receipt. I don't recall receiving any traffic citations nor notices from XXXX during or after my trip. I now started receiving repeated phone calls and also received a written letter in the mail ( see attached ) from a group called Kehoe Financial Group. I spoke with them and they said they wan to " collect around {$500.00} '' but were willing to settle for " XXXX ''. I asked them what this was in regards to and they claim it is my trip in XXXX in XXXX. I told them I never received a notice from XXXX nor XXXX. They said they " didn't buy the debt but were collecting on behalf of the Municipality of XXXX ''. I asked they send me a document showing that if I paid that I would be " cleared ''. They didn't respond to that email and I continue to receive notices. I asked if this would damage my credit and they said " it might '' but they were underhanded and threatening. I tried looking this up online and there are many complaints of this being fraud and a scam. I don't know what to do and believe this is a fraudulent scheme given that Kehoe never showed me that if I paid this that I would be given a full release. Therefore, I'm reporting this as fraud given that I don't want my credit to be damaged if this is legitimate but I can't figure out a way to understand that payment of this would be legitimate for a citation that I may not have been made aware of. I also filed a complaint with XXXX XXXX a Car but they don't have a record of this reservation. It seems like they don't have records for their XXXX franchise dating back to XXXX when I rented a car from them. Lastly, please note that my name on the notice from the XXXX of XXXX ( attached ) is spelled incorrectly - it says " XXXX XXXX '' and my name is " XXXX XXXX ''. The collection agency changed my name to the correct spelling. This further leads me to believe this is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: Self Financial Inc.
State: NV

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 response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Healthcare Collections-I, LLC
State: AZ

Complaint narrative:
I have been telling this company that this is not my debt and if they think it is then show me proof that it is, a sign contract with my original signature on it and all they sent me was a invoice that is not legal proof of ownership of this debt and the I've demanded for years now that they stop reporting it on my credit report and they won't stop! Enough is enough, The next step is a lawsuit.

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 2021-06-30 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:
I've disputed an account with Experian several times about a collections account and address on my credit report. I've never lived or had business with. The investigations come back immediately with no proof of it being my debt. I've contacted the debt collector and Experian. They don't have anything to show me. But on multiple occasions, the debt comes back verified and it's clearly fraud.

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 2021-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
My credit score on XXXX XXXX and more specifically experian is pulling from the wrong SSN. Experian has the last 4 of my SSN as XXXX not what it actually is XXXX. All of my credit reports are being filed under the wrong SSN. I have tried shooting with XXXX XXXX, experian, and even XXXX XXXX  but they all have provided no help. I have been denied car loans, housing applications and now financial aid for schooling. All because it's not pulling the accurate score. Everything is being filed under the wrong SSN.

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 2021-06-30 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: ERC
State: TX

Complaint narrative:
An itemized bill does not imply that the debt is valid anyone can send a bill a claim ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
i am very disappointed that i looked on my consumer report and i saw that i have a bankruptcy showing on my report. As a naturally protected consumer this is a violation of my consumer rights. IF the bankruptcy is accurate i need you to validate it and prove it also have a senior officer from your office swear under the penalty of perjury that the bankruptcy is accurate and has been validated, I got denied a job opportunity because of the bankruptcy showing, my privacy has been violated and its deflamation of character if this issue is not resolved within 14 days i plan to take this matter into litigation and make sure i get compensated for not only the FCRA violation but also the emotional distress this has caused me i am losing sleep and depressed over this matter,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: LA

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation