vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-16 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: CA

Complaint narrative:
On XX/XX/2020 I applied for small business loan but was only approved for a small amount because of negative accounts on my credit report. These accounts don't even belong to me and I've already tried clearing it up with the bureaus and the companies directly. They verify they are inaccurate and tell me they will be removed in their next billing cycle but nothing has been done yet. This is a huge setback for me as a XXXX XXXX XXXX with XXXX XXXX. I need these removed instantly so I can reapply for relief funding to save my business. The accounts that do not belong to me are XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX  and XXXX XXXX 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 2020-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2020 I applied for small business loan but was only approved for a small amount because of negative accounts on my credit report. These accounts don't even belong to me and I've already tried clearing it up with the bureaus and the companies directly. They verify they are inaccurate and tell me they will be removed in their next billing cycle but nothing has been done yet. This is a huge setback for me as a XXXX XXXX XXXX with XXXX XXXX I need these removed instantly so I can reapply for relief funding to save my business. The accounts that do not belong to me are XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX  and XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AFNI INC.
State: LA

Complaint narrative:
Send a compliant to them about the debt, I dont know them, I dont have a contract with them, never bought products, I dont know them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 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: Synovus Bank
State: TX

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, is the result of identity theft. 
FIRST PROGRESS XXXX {$160.00} XX/XX/XXXX XXXX  XXXX XXXX   XXXX {$550.00} XX/XX/XXXX XXXX XXXX XXXX {$790.00} XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5400.00}, {$7000.00}, {$8100.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of  verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7000.00} -This is not my account. 


-- CLOSED ACCOUNTS 3. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8100.00} -This is not my 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 2020-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc.
State: NJ

Complaint narrative:
I received noticed of a collection from EOS CCA on XX/XX/2020. I immediately checked my credit report and noticed this negative item from EOS CCA was reporting negative information on my report. I send a letter certified mail to EOS CCA on XX/XX/2020 asking them to validate the debt. I never received any information validating the date. On XX/XX/2020 I received a second notice from EOS CCA, but not validation proving this debt was actually owed by me. I have no knowledge of this account and would like this account deleted from my credit report. This company is in major violation of the FCRA. I have enclosed documents to support my claim. Also there is a discrepancy in the reporting balance from transunion verses from EOS CCA. XXXX  is reporting a balance of XXXX and EOS reporting a balance of XXXX. How do I know this is accurate. If XXXX  validated this account like they claimed the balances should match. XXXX  actually deleted this account off my report because they could not validate the account so why is XXXX  still reporting this account. I highly doubt they verified this info or the balances would match and they would have sent me supporting correspondence. Please delete this erroneous account from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 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: TN

Complaint narrative:
I just received my credit report update by Experian Report As Of XX/XX/XXXX. Experian is still showing my legal name as my mother name XXXX XXXX on my consumer credit report and they have also added a collection account that was deleted from my consumer credit report back in XXXX XXXX XXXX XXXX and they also balance updated on XX/XX/XXXX. I never received a written letter from Experian letting me know that this collection has been Reinserted back to my consumer credit report 5 days before or 5 days after letting me know that they were adding this collection back to my credit file. It took me over a year to get that account removed for improper misuse. XXXX has a name by XXXX XXXX XXXX and I guess with her credit file merged into my consumer-credit report. Experian, XXXX, and XXXX have all damaged my credit. Under the Fair Credit Reporting Act ( FCRA ), I have a right to the fair and accurate reporting of  my credit information. I am also entitled to certain privacy rights concerning my credit information and protection from the misuse of my credit information. Experian, XXXX, and XXXX have caused severity violation to my consumer credit report and have willfully violated its obligations under the FCRA.

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 2020-05-16 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: MO

Complaint narrative:
My identity and credit file has been modified and completely compromised without my knowledge nor consent. I'm in direct belief that my identity may have either came vulnerable via the dark web and/ or within the data breach. I'm demanding that the following unauthorized accounts be removed and blocked from my credit file after it's determined that these accounts are not mines. 

1. XXXXl XXXX XXXX XXXX 2. XXXXl XXXX XXXX 3. XXXX XXXX/ XXXX XXXX 4. XXXX 5. XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX {$610.00} 8. XXXX XXXX XXXX {$590.00} 9. XXXX XXXX {$70.00} 10 ) XXXX XXXX XXXX 11 ) XXXX XXXX XXXX {$790.00} 11 ) XXXX XXXX XXXX {$160.00} 12 ) Dept of EDXXXX   {$31000.00}

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 2020-05-16 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax website is down. I have tried different links but non of them work. I need to lift a freeze you do not have that as an option so you may need to add " submit or lift a freeze ''. Anyway I need to get through no one answer the phone and the website is down.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc.
State: NJ

Complaint narrative:
I received noticed of a collection from EOS CCA on XX/XX/2020. I immediately checked my credit report and noticed this negative item from EOS CCA was reporting negative information on my report. I send a letter certified mail to EOS CCA on XX/XX/2020 asking them to validate the debt. I never received any information validating the date. On XX/XX/2020 I received a second notice from EOS CCA, but not validation proving this debt was actually owed by me. I have no knowledge of this account and would like this account deleted from my credit report. This company is in major violation of the FCRA. I have enclosed documents to support my claim. Also there is a discrepancy in the reporting balance from XXXX  verses from EOS CCA. XXXX  is reporting a balance of XXXX and EOS reporting a balance of XXXX. How do I know this is accurate. If XXXX  validated this account like they claimed the balances should match. XXXX  actually deleted this account off my report because they could not validate the account so why is XXXX  still reporting this account. I highly doubt they verified this info or the balances would match and they would have sent me supporting correspondence. Please delete this erroneous account from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 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: MO

Complaint narrative:
My identity and credit file has been modified and completely compromised without my knowledge nor consent. I'm in direct belief that my identity may have either came vulnerable via the dark web and/ or within the data breach. I'm demanding that the following unauthorized accounts be removed and blocked from my credit file after it's determined that these accounts are not mines. 

1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX 3.  XXXX XXXX/ XXXX XXXX 4. XXXX 5. XXXX 6. XXXX XXXX XXXX XXXX. XXXX XXXX {$610.00} 8.  XXXX XXXX XXXX {$590.00} 9. XXXX XXXX {$70.00} 10 ) XXXX XXXX XXXX 11 ) XXXX XXXX XXXX {$790.00} 11 ) XXXX XXXX XXXX {$160.00} 12 ) XXXX XXXX XXXXXXXXt {$31000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 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: MO

Complaint narrative:
My identity and credit file has been modified and completely compromised without my knowledge nor consent. I'm in direct belief that my identity may have  either came vulnerable via the dark web and/ or within the data breach. I'm demanding that the following unauthorized accounts be removed and blocked from my credit file after it's determined that these accounts are not mines. 

1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX/ XXXX XXXX 4. XXXX 5. XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX {$610.00} 8.  XXXX XXXX XXXX {$590.00} 9. XXXX XXXX {$70.00} 10 ) XXXX XXXX XXXX 11 ) XXXX XXXX XXXX {$790.00} 11 ) XXXX XXXX XXXX {$160.00} 12 ) Dept of EDXXXX  {$31000.00}

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 2020-05-16 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: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
I paid off my Wells Fargo credit card on XX/XX/2020. As of today XX/XX/2020, my balance is still being reported as over {$6000.00} to CRAs.

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 2020-05-16 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I am wondering why this is tagged as late 30 days in XXXX when all the other bureaus are reporting this account as current with no lates at all. When I looked at the payment history, XXXX is reporting nothing. Only XXXX and XXXX reports with all good payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Vehicle repossessed and sold. The deficiency balance almost exceed the original balance of the loan. This after making payment on $ XXXX and remaining balance of $ XXXX after paying for almost three years. Impossible to have this balance. I researched the company and I see that this a predatory lender in the finance business. They are outside of the norm for being a company that finance cars. I am out right in disagreement the deficiency amount. I was never alerted of the vehicle being sold at auction another violation. I am asking that this company be held accountable especially in the current climate, pandemic era. 


https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 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: Atlanticus Services Corporation
State: TX

Complaint narrative:
In XXXX of 2019 during all of this Covid 2019 pandemic a later payment appeared on my credit from this company I have never been late making a payment with them last 30 days not to mention their online account access never worked for me to process payments so as a courtesy they would send me text to make the payments because of the inconvenience with their online portal but then stopped sending the text which was negligent on their part. The last message I received to make a payment was in XXXX. Allowing for limited options for payments however I still made the payments. In Addition to that our country is in the middle of a pandemic which we were all affected by. I tried reaching out to the company but no resolution to the 30 day listed on my credit. Ive done some research and have seen reviews on this company and it appears Fortiva does this very often to clients and its not okay. They are very unprofessional and robbing innocent people during such trying times. Ive paid this account off in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 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: MI

Complaint narrative:
I have submitted several factual disputes regarding an account that is appearing on my credit report, and have not receiving documentation that was requested showing a contract between myself and XXXX XXXX XXXX from neither Equifax or XXXX. This account has been deleted off my XXXX Credit Report and I believe that both Equifax and XXXX should remove it as well because I have not received documentation that was requested showing that there was a contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: FL

Complaint narrative:
XX/XX/20 VANCE AND HUFFMAN LLC I have never done business with nor did I have a written agreement to make any payment to them. Company is stating I owe them {$1100.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
I just received an alert on my credit report ( XXXX, XXXX and XXXX ) that I paid them directly and they closed this account. I have never contacted or paid this company and I have never done business with them and they have no right to be reporting on my consumer reports. This is causing an unwanted negative effect on my reports! I have proof that I have never paid, nor been in contact with or have any contracts with this company at all!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Lendmark Financial Services
State: FL

Complaint narrative:
On XX/XX/2020 I sent this company a cease and desist letter which they did reply on XX/XX/XXXX that they received it and will honor my request. This company has called me 29 times since then also leaving multiple voicemails on the same day. On XX/XX/XXXX XXXX and XXXX left two voicemails, on XX/XX/XXXX XXXX and XXXX left two voicemails, and on XX/XX/XXXX XXXX and XXXX both left messages as well. This is considered harassment especially after I sent them the seas and desist letter. His company is in violation of that and Ill like To make a formal complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I just received my credit report update by XXXX Report As Of XX/XX/XXXX. XXXX is still showing my legal name as my mother name XXXX XXXX on my consumer credit report and they have also added a collection account that was deleted from my consumer credit report back in XXXX XXXX XXXX XXXX and they also balance updated on XX/XX/XXXX. I never received a written letter from XXXX letting me know that this collection has been Reinserted back to my consumer credit report 5 days before or 5 days after letting me know that they were adding this collection back to my credit file. It took me over a year to get that account removed for improper misuse. Equifax has a name by XXXX XXXX XXXX and I guess with her credit file merged into my consumer-credit report. XXXX, Equifax, and XXXX have all damaged my credit. Under the Fair Credit Reporting Act ( FCRA ), I have a right to the fair and accurate reporting of my credit information. I am also entitled to certain privacy rights concerning my credit information and protection from the misuse of my credit information. XXXX, Equifax, and XXXX have caused severity violation to my consumer credit report and have willfully violated its obligations under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 60 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: GOLDMAN SACHS BANK USA
State: OR

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 60 days days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation