vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paradigm Assets, LLC
State: SC

Complaint narrative:
I received a collection account on my XXXX, XXXX and XXXX XXXX XXXX from - JHPDE FINANCE I , LLC XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX I first realized this collection item was listed on my credit report in XX/XX/2021. I have attempted to contact the collection company to verify this debt is actually mine and have also sent requests for verification to all three credit bureaus. I have written proof as the letters were sent certified USPS.

To date - none of the three credit bureaus nor JHPDE Finance I , LLC have responded to verify my debt. I have also attempted to call this company and can not find a working number or any method to resolve this matter. 

If the debt is mine, I will be happy to pay it. However, when I have a negative, collection item and am unable to see what it is for and am unable to contact the company it seemed appropriate to escalate this matter to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 1681 604 section 2. It also states a consumer reporting agency can not furnish accounts without my written instructions.

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 2022-07-08 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right letters and correct. So, could you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.

cores Details I demand the following accounts be verified or removed immediately. 

XXXX XXXX XXXX/ {$5900.00} / XX/XX/2022 XXXX XXXX XXXX/ {$2600.00} / XX/XX/2022 XXXX XXXX XXXX/ {$7600.00} / XX/XX/2022 Cancel contract. Please provide the original contract or delete I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address 1 put on the from area.

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 2022-07-08 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In reviewing my credit report, I suddenly I notice that there was an error. The report is not 100 % accurate and would like your agency to take an action. I listed below the item with discrepancy : XXXX/ {$8000.00} / XX/XX/2022

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 2022-07-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LJ Ross Associates
State: MI

Complaint narrative:
LJ Ross NEVER sent any verification, yes they have a cease and desist as they wanted to harass me and illegally call my mother and discuss my affairs and have refused to send anything proving this is my debt. Attached is a fraudulent statement by LJ Ross to XXXX as they never sent me this information at all, this debt needs to be removed under FCRA as they are refusing to show me being a responsible party.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: MO

Complaint narrative:
i had excellent credit fico  XXXX i changed my due dates, that is aok to do! 
credit agencies dropped my score XXXX points the account is paid as agreed the balance rode an extra week because due date change you mess wimy insurance rates. 
the agency is fraudulent with your report that my credit worthiness dropped. FIX IT

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 2022-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I changed homeowner insurance and uploaded the declarations page of my new policy to Wells Fargo on XX/XX/2022, I additionally had the insurance agent fax the declarations to Wells Fargo. I received confirmation from Wells Fargo that they recieved the policy. Wells Fargo has failed to recognize the policy and as of XX/XX/2022, sent additional mail saying they had no policy on file and that they would purchase a policy on my behalf with no acknowledgement of my existing policy. I uploaded the declarations page again again on XX/XX/2022 and called a representative who confirmed receiving it on both XX/XX/2022 and XX/XX/2022. I am submitting this claim in case Wells Fargo continues to purchase frivolous policies on my behalf.

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 2022-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX. I am writing this complaint myself, there is no third party involved. After reviewing my most recent credit report from EXPERIAN I noticed fraudulent and unauthorized inquiries on my report. I have filed an FTC report and sent EXPERIAN a handwritten notice ( tracking # XXXX XXXX XXXX XXXX XXXX ) with instruction to delete the inquiries within 4 days, pursuant to 15 USC 1681c-2. I am also requesting a full record of how the collection account from XXXX XXXX was validated and verified. EXPERIAN must prove to me that they are in full compliance with the FCRA and FDCPA, as I'm aware that credit reporting is voluntary and not mandatory, I do not recall giving XXXX XXXX written permission to report private potentially negative information to a third party, nor did EXPERIAN receive such consent from me. It is against federal law to report alleged debt when the account has not been properly verified and validated with original documentary evidence. EXPERIAN must provide me with such documentary evidence or remove the XXXX XXXX account immediately.

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 2022-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have an extended fraud alert on my experian credit report that I have tried to remove to no avail. ( The other XXXX agencies had no problem removing over the phone ). Experian does not take phone calls which seems outrageous. I mailed a request over XXXX  days ago as they require, and I have received no response nor do I know where I am in the process. Additionally, their system to upload the required documents ( which seems like it MAY be faster ) has been temporarily unavailable for over XXXX weeks with no alternative available but the postal service. This is impeding me from getting needed credit to make home repairs.

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 2022-07-08 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: TN

Complaint narrative:
A XXXX Bank credit card account is still being reported as XXXX  days late with TransUnion, and XXXX. The account was previously reported XXXX days late with XXXX as well. On or about, XX/XX/2022, a dispute was filed with XXXX regarding XXXX Bank ( Credit Card ) reporting XXXX the account days late. XXXX Bank XXXX Credit Card ) updated, and corrected the information with XXXX ( no longer being reorted XXXX days late with XXXX ) on XX/XX/XXXX of XXXX ; however, XXXX Bank XXXX Credit Card ), continues to report or relfect XXXX days late with Transunion, and XXXX, and should not be.

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 2022-07-08 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: EQUIFAX, INC.
State: TN

Complaint narrative:
A XXXX Bank credit card account is still being reported as XXXX days late with XXXX, and Equifax. The account was previously reported 90 days late with XXXX as well. On or about, XX/XX/2022, a dispute was filed with XXXX regarding XXXX Bank ( Credit Card ) reporting XXXX the account days late. XXXX Bank XXXX Credit Card ) updated, and corrected the information with XXXX ( no longer being reorted XXXX  days late with XXXX ) on XX/XX/XXXX of XXXX  ; however, XXXX Bank XXXX Credit Card ), continues to report or relfect XXXX  days late with XXXX, and Equifax, and should not be.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: DISCOVER BANK
State: IL

Complaint narrative:
I was initially charged for {$5100.00} in XXXXXXXX XXXX XXXX  for an unauthorized purchase. I had contested this charge and received no relief despite being clearly fraudulent. I recently received a charge back after once again disputing the charge this time to CFFB. The address, phone number, shipping address and email address used for the purchase do not match mine that was on file with discover. Clearly this was a fraudulent charge and Im being forced to pay for something I didnt purchase. Please help me resolve this clear case of fraud and absolve me of someone elses debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: SC

Complaint narrative:
Been dealing with this issue since XX/XX/2022 with Equifax of a file mixed up. Even after the dispute, police report, phone calls, Equifax is still addressing me by the wrong person and wrong poor credit score affecting me greatly. Even after sending in personal documents showing that its me. Which also proves you cant even trust to do that. This other person they have me mixed up with gets to reap the benefits of my once excellent credit score while I get the short end of the stick. Not only is this extremely scary to know this other person can see all of my personal information address social ect, they are able to get loans and credit cards off of my credit. I constantly receive this person mail of credit card offers while I was denied a car loan and missed out on getting my car due to this which I went all the way to another state to get, which is how I found out equifax made this huge mistake. The other credit bureaus display my correct credit score and information while equifax doesn't and wont change. Its displaying a poor credit score of XXXX I dont understand how this company can still operate dealing with peoples Personal information and life while making a huge mistake such as a file mixed up and nothing is being done. I must constantly send in my private information such as ID card and social security card to a company that receives it and still doesnt even acknowledge the wrong to fix it! This is absurd, terrifying and stressful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
i got my statement and had several unauthorized withdrawals. On the XXXX through the XXXX of XX/XX/2022 {$5000.00} was withdrawn 3 times to people i dont know.I called the bank and closed the account and put fraud claims in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-08 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: AR

Complaint narrative:
FCRA violations : inquires not mine XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX AXXXX XXXX  Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : account not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed.

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 2022-07-08 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: ID Analytics, Inc.
State: IL

Complaint narrative:
In accordance to the Fair Credit Report Act Capi/ 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 XXXX XXXX XXXX/ XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXXXXXX ; US Dept of Education ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX has violated my rights Please remove ALL inquiries that isn't linked to an OPEN CREDIT CARD account. 15 U.S.C 1681 Section 602A states I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. 
I should have ONE name, ONE date of birth, and ONE address

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: AR

Complaint narrative:
FCRA violations : inquires not mine XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : account not mine XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed.

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 2022-07-08 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: AR

Complaint narrative:
FCRA violations : inquires not mine XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : account not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
On XX/XX/2022 my wallet was stolen from my purse in a grocery store. Shortly thereafter I received a text from Citi Bank questioning whether a {$2100.00} purchase at Macy 's was mine. I replied no and called the phone number supplied. I reported that the card was stolen and answered their questions. I also contacted the XXXX, NC police dept. and reported the theft. I received a case number. In early XXXX ( don't recall the exact date ) I got a call from Citi asking me to call them. I did so and further answered their questions. In the coming weeks, I got email telling me that the dispute was being looked into. Then I heard nothing. Our credit card payment ( this is a CitiBank XXXX XXXX ) was due on XX/XX/XXXX. When I went to view the statement I saw in the dispute center that Citi was declining to credit the XXXX back to the account. I immediately called and spoke with a woman named XXXX who took notes and told me I had to call the fraud department again on XX/XX/XXXX. I did that and spoke with XXXX. I told him the whole story again ( for the XXXX time ) and he said it would have to go back to the investigators. He told me the reason they declined to credit the account was that I did not supply information they wanted. But he had the record that I had called in early XXXX. I looked this morning and I see no information except that they are declining to pay. It is time for me to escalate this.

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 monetary relief
Consumer complaint received 2022-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
I have submitted multiple emails to PHH Mortgage services regarding my account modification offer but I have not received a response. The emails were sent on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. ( See attached documents ) It is absolutely critical that I receive responses in a timely manner to avoid any potential of foreclosure. I have had previous issues with the communication and misinformation provided by PHH Mortgage Services. ( Complaint ID XXXX ) I was required to reapply for a loan modification due their errors in communication. I have requested numerous times that PHH Mortgage Services respond to my inquiries via the email on file ... which is XXXX My account was billed a BPO cost and NC FC Prev Fee without my approval. I would like to have these fees refunded back to my account. They posted to my account on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Also, I do not have access to my account online as it has been blocked by PHH Mortgage Services. ( See screen shot )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: AR

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 1681 604 section 2. It also states a consumer reporting agency can not furnish accounts without my written instructions.

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 2022-07-08 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: AR

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 1681 604 section 2. It also states a consumer reporting agency can not furnish accounts without my written instructions.

Company response to consumer: Closed with explanation