vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-24 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: OH

Complaint narrative:
This is the third time I have requested actual proof of ownership, proof of contract from XXXX  XXXX / XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX & XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX Taking assignment of Debt ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : ( 1 ) The assignment was voluntary, properly executed, and acknowledged by the person transferring title to the collection agency. ( 2 ) The collection agency did not require the assignment as a condition to listing the account, bill, or other evidence of indebtedness with the collection agency for collection. ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. I believe all these are inaccurate and is in violation of both FDCPA and FRCA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 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: OH

Complaint narrative:
This is the third time I have requested actual proof of ownership, proof of contract from XXXX XXXX / XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX & XXXX # XXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX Taking assignment of Debt ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : ( 1 ) The assignment was voluntary, properly executed, and acknowledged by the person transferring title to the collection agency. ( 2 ) The collection agency did not require the assignment as a condition to listing the account, bill, or other evidence of indebtedness with the collection agency for collection. ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. I believe all these are inaccurate and is in violation of both FDCPA and FRCA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 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: LEXISNEXIS
State: NE

Complaint narrative:
I recently got insurance from XXXX XXXX in XXXX, NE. While discussing my policy with my agent lately she mentioned my low score on the CBR report they received from LexisNexis. She gave me a copy of it and if was terribly in-accurate and misleading. Nearly every credit area they reported on was years outdated or just false. I contacted LexisNexis and they said they get their data from XXXX  and I should contact them about any issues.I got my full credit history from XXXX today and it has ACCURATE information ... ... yet LexisNexis is reporting something different. 

As you know, companies across the nation buy CBR reports to gather information on current or potential customers from LexisNexis ( and others ). How many years have they been reporting false/misleading info on me? What have these reports cost me and other consumers over the decades? My insurance company bases their premiums at least in part on this report ... ..and/or whether they want to do business with me. 

I am attaching the CBR report I received and my comments with enlarged print ... .also, if possible I will attach two XXXX  docs that show my student loans were paid off in XXXX and XXXX ... .and not deferred as LexisNexis reports XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 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: LEXISNEXIS
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX. I am having issues with inaccurate addresses on my credit file. I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . 
Report and other furnished Lexis Nexis, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Credit Act, you are required to comply. The following addresses are not mine please remove/delete them : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX , XXXX, OH XXXX-XXXX  XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX-XXXX XXXX  XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Conn's, Inc.
State: CO

Complaint narrative:
I pulled all 3 of my credit reports to find out what was showing on them, as I hadn't done it in a long time. I was shocked to see accounts that I do not recognize, including companies I've never done business with. One of these was : CONNS CREDIT CO The address LISTED ON the credit report is : XXXX XXXX XXXX XXXX, TX XXXX I was advised to send a " Validation '' Letter to them to validate the debt under the FDCPA and FCRA. I have attached the letter with my complaint. I mailed it " Certified Mail '' so that I would be able to verify that they received it. I have also attached a copy of the " Certified Mail Receipt '' so that you can see the tracking of this letter. You will notice that this was mailed out XX/XX/XXXX, and was not able to be delivered due to them reporting the wrong address on the reports, again, a violation of the FCRA and FDCPA. 

I have just had the envelope returned to me, as it says it is an invalid address. This IS the address that Conns Credit was reporting on the credit reports, which in itself, is a violation of the FCRA and the FDCPA as they are reporting inaccurate info on my reports, not to mention the debt itself. 

Under the law, they had 30 days after receiving the validation letter to respond to my letter and validate the debt that they're reporting to the credit bureaus. Since they are reporting inaccurate info on the reports, it has now made it impossible for me to use my rights under the FCRA and FDCPA to get validation on this account, and makes it impossible for them to validate it within those 30 days as I mailed it to the address that they inaccurately put on the reports. 

Please note that before sending the validation letter to this company, I also sent a dispute letter to all 3 credit bureaus ( XXXX, XXXX, and XXXX ) and Conns Credit Co have NOT removed this account from my credit reports, or have sent me any kind of validation. 

I request for this company to remove this account from my credit reports immediately, as they have not followed the law, have reported inaccurate information on my credit reports, including FDCPA Section 809 ( b ), which carries a {$1000.00} fine for not validating the debt and still continuing to report it on my credit reports. 

Thank you for helping me resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
Mr XXXX XXXX, XXXX. and Mrs. XXXX XXXX has a conventional mortgage loan with XXXX XXXX  a subsidiary of First Bank an FDIC insured banking institution. On XX/XX/XXXX, Puerto Rico was hit by a category five hurricane ( Maria ) which destroyed the Island electrical grid, cellular platform, for months. On XX/XX/XXXX, Mr. XXXX suffered a XXXX which incapacitated him to work for several months. On XX/XX/XXXX, Mr. XXXX had major surgery to remove XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. Since XXXX, we have been providing documentation. My loss mitigation application was approved in XX/XX/XXXX. Because of the absence of telephone, Internet, and electricity We were unable to receive communications from XXXX   XXXX. There are multiple e-mails attesting to this fact. XXXX   XXXX  opted on XX/XX/XXXX, XXXX XXXX   requested Mr. XXXX to initiate the loss mitigation application all over again, and sent the loss mitigation package of required forms despite that it was previously approved by the bank. There are multiple e-mails to prove this fact. But unknown to Mr. XXXX and Mrs. XXXX was the fact that the bank filed a foreclosure procedure and filed a civil complaint on XX/XX/XXXX. This act proves bad faith and is contrary to local and Federal laws and regulations. We are requesting the Consumer Financial Protection Bureau to investigate XXXX XXXX XXXX illegal behavior and to mandate the closing of the approved XX/XX/XXXX loss mitigation application. The plaintiffs have all the emails and communications to prove XXXX XXXX XXXX   bad faith conduct regarding the loss mitigation application of Mr. XXXX XXXX XXXX and Mrs. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
i sent XXXX XXXX a letter on XX/XX/XXXX regarding this account, on Transunion it showing as of XX/XX/XXXX that my account is closed and it should be reported open.Please help me get this corrected cause it lowering my score and having stress behind this cause i cant get anything that i need

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 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: Innovis
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX. I am having issues with inaccurate addresses on my credit file. I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . 
Report and other furnished XXXX XXXX, XXXX XXXX, and INNOVIS inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Credit Act, you are required to comply. The following addresses are not mine please remove/delete them : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX , XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX , XXXX, OH XXXX-XXXX  XXXX  XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 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: ID Analytics, Inc.
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX. I am having issues with inaccurate addresses on my credit file. I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . 
Report and other furnished XXXX XXXX, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Credit Act, you are required to comply. The following addresses are not mine please remove/delete them : XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX , XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX , XXXX, OH XXXX-XXXX XXXX XXXX CT, XXXX, OH XXXX-XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: OH

Complaint narrative:
XX/XX/2018 Nelnet posted five different derogatory remarks to my student loan account. This has caused my credit score to drop over 80 point. I would like to dispute this, because at that time I was serving in the military and had no idea that my student loan was delinquent. I am working toward making sure my student loan is paid on time, and also trying to refinance them to get them to more a manageable amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Fleet Financial, Inc.
State: VA

Complaint narrative:
I have been in contact with XXXX who has been amazing and easy to speak with. As you are probably aware, XXXX is refusing to work with 3rd parties and don't want to give up the title for the XXXX XXXX XXXX. XXXX told me they sent you guys a check for {$28000.00} for it. The issue is, I have already made 3 payments with XXXX XXXX XXXX XXXX. The problem is XXXX  won't give up the title, and XXXX won't allow the loan to be unwound.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIFTH THIRD FINANCIAL CORPORATION
State: SC

Complaint narrative:
5th Third Bank Allowed a credit card to be opened in my name and my wifes name using our old information after he move. 

Their fraud department caught hers and close her account down They did not catch mine the credit card went out and someone charge {$10000.00} on the credit card under my name I have been trying to resolve this with the bank and they will not do anything they are claiming that it is a valid account. 

After eight months of no payments or no contact on this account I had some mail forwarded to me after I reinstalled my forwarding from my old address and got a statement from them showing the card I called them at this time and provided them with my contact information cell phone email address and address Now theyre telling me because they have my contact information it was a valid account when it was initially set up. 

They close my wifes due to fraud and will not close mine

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 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: CORELOGIC INC
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX. I am having issues with inaccurate addresses on my credit file. I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished XXXX XXXX, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. 
Under the Fair Report Credit Act, you are required to comply. The following addresses are not mine please remove/delete them : XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX , XXXX, OH XXXX-XXXX  XXXX  XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX XXXX, XXXX, OH XXXX- XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc.
State: DE

Complaint narrative:
On XX/XX/XXXX I paid off my XXXX XXXX XXXX credit card balance in full. I noticed that despite this being a billing cycle, the credit agencies still had an incorrect balance as well as an incorrect past due status. I filed a dispute with XXXX  on XX/XX/XXXX. In the interest of transparency, and my long relationship with XXXX XXXX XXXX, I called the company and let them know I filed the dispute. The customer service representative was disrespectful and insisted neither she nor her superior knew how the credit reporting team worked. I never actually spoke to the superior. The representative claimed she put me on hold and asked. I made clear that if this was not resolved in a timely manner, I would file a complaint. They had an attitude and we hung up the phone. 

XX/XX/XXXX they at last reported my XXXX balance and current status. I received an alert from XXXX XXXX on XX/XX/XXXX that my credit limit had been decreased from {$6000.00} to {$100.00}. I sent a secure message to XXXX XXXX XXXX Customer Service asking who or what caused this. I was told the Credit Bureaus alerted the Bank that my score had dropped so the credit card company took action to lower my limit dramatically and would evaluate me month to month. I found this difficult to believe as the Bureaus don't volunteer information on consumers. They report to the Banks/Financial Institutions whatever is relevant, and when they are asked, as long as it is within guidelines. I was also told that XXXX XXXX XXXX sent a letter to my house on XX/XX/XXXX. To this day, I have NOT received a letter in the mail of that nature. In fact, I have received numerous coupons and rewards instead. I am a paperless customer and pointed that out. After a few days back and forth with XXXX XXXX XXXX, they sent me a secure digital message on XX/XX/XXXX stating the information they claimed to have sent to my home on the XXXX. The letter and reasoning was inaccurate : I have a XXXX with XXXX that has a XXXX  balance, is in good standing, and has a five figure limit. One of the alleged delinquencies is a reporting lapse, and I have a letter to back that up. Additionally, I've had credit for well over a decade, so there is no issue with a young credit history. 

I strongly believe this was a retaliatory response to me first filing a dispute with XXXX  and then alerting them that a complaint would follow if they continued to drag their feet. I would also like to add that I would sign a sworn affidavit that says I never received the XX/XX/XXXX letter in the mail. As you will see, the letter they finally emailed to me is dated XX/XX/XXXX. Why not just attach the original one that was supposed to have been typed and sent on XX/XX/XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 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: Adler Wallach & Associates, Inc.
State: GA

Complaint narrative:
The Awa Collections account that is reporting on my credit file does not belong to me. I have disputed this account with the credit agencies and the account was removed from all of the bureaus except for XXXX. Please assist me in getting this account removed from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-24 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: FMA Alliance, Ltd.
State: MS

Complaint narrative:
i sent a letter on XX/XX/2019 regarding this company that says i owe them XXXX. i have ask for validation per Fair Debt Collection Practice act bearing my name.i am aware of the 30 days allowed by the FCRA , in  which i haven't heard from them as of XX/XX/2019.

Company response to consumer: Closed with explanation