vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I wrote a debt validation letter to this company dated XX/XX/2020, giving them 30 days to validate the debt with me, if there is no verification within the 30days, they must stop collecting this debt and delete from my credit history. I also asked them to provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? Please include the signature.

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 2020-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
1.XXXX XXXX {$280.00} XXXX 2.XXXX XXXX {$310.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello i have late payments with Wells Fargo credit card and this was due to me being in XXXX XXXX Military ( XXXX ). I left to basic training in XXXX and came back in XXXX. During this time i did not have access to internet nor could i pay off any of my credit card debt because of this. Since i was not able to make any payments in XXXX XXXX and XXXX I was penalized for no payment of these accounts. When I was able to i paid off the account in full and no longer had any debt with Wells Fargo.

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 2020-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaintXXXX and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX  {$2200.00} Opened XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXXXXXX

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 2020-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I've submitted documents to show that I was the victim of identity theft. Nothing has been fixed or removed from my credit report. This is impacting my life and score.

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 2020-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I've submitted documents to show that I was the victim of identity theft. Nothing has been fixed or removed from my credit report. This is impacting my life and score.

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 2020-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was the victim of identity theft. I have submitted the proper documents to prove it and nothing has been solved.

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 2020-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was the victim of identity theft. I have submitted the proper documents to prove it and nothing has been solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: MA

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FMA Alliance, Ltd.
State: IL

Complaint narrative:
On XX/XX/20 I've received notification from FMA Alliance in regards to an alleged debt owed to XXXX XXXX  in the amount of {$520.00}. In accordance with the law ( FCRA ), please provide proper validation of this alleged debt. ( Validation consisting of a valid agreement bearing my handwritten signature ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Westlake Services, LLC
State: TX

Complaint narrative:
Westlake account information report inaccurate data to each three agency. XX/XX/2016 company says debt reports all information is inaccurate from the dollar amount to the late payments the statement in the notes. The company called XX/XX/2016 times from 9 different numbers with four angry messages. In a 90 day span called 1587 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Franklin Collection Service, Inc.
State: TX

Complaint narrative:
XXXX sold a old debt that appears as a new delinquent account which violates my fcra rights after constant contact these companies refuse to remove or update inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On My XXXX  credit report by the name of XXXX XXXX XXXX XXXX i had some unauthorized inquiries in my credit report and i want them to be removed please. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX On My XXXX  other inquiries were reported XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ON my XXXX  credit report XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX American Express XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On My XXXX  credit report by the name of XXXX XXXX XXXX XXXX i had some unauthorized inquiries in my credit report and i want them to be removed please. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX On My XXXX  other inquiries were reported XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ON my XXXX  credit report XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  XX/XX/XXXX and XX/XX/XXXX Capitol one XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX and XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America did not notify me that my account was closed. I am a victim of a hacked account and bad check scam. Around XXXX XXXX XX/XX/2020 I received an email someone not me had mobile deposited a check into my account. When I logged into my account it showed my account was locked and did not let me access my money. I tried calling all the Bank of America NA and XXXX XXXX XXXX Area numbers and waited upto an hour without response. Bank of America is refusing to respond to calls. Bank of America is not giving my money back.

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 2020-04-12 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: World Acceptance Corporation
State: LA

Complaint narrative:
Account status is closed/charged off and still hurting my scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: TX

Complaint narrative:
Erc is harassing phone call and never have accurate information XXXX was made aware the debt isnt mine. I had to do a police report with ftwpd then download the packet from their website ( XXXX ) file out documents and attach supportive images police report lease as proof of address and front and back of Id I even included a tax return with consistent address

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 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 — Their investigation did not fix an error on your report
Company: BBVA FINANCIAL CORPORATION
State: AL

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 30 days/60 days/120 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 2020-04-12 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: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
I never even knew this card existed until midland started harassing me. So i started doing some of my own research. It has made my credit score drop drastically. It appears this account was closed on XX/XX/XXXX with a {$0.00} balance. Why did XXXX  XXXX accept a payment after the account was closed and had a XXXX balance? It appears that XXXX  XXXX accepted a payment on XX/XX/XXXX on this account that was closed. I never knew anything about this account and want to know who is going to repair my credit score?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXXand contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Account Name XXXX  XXXX XXXX {$1700.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX {$2100.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$810.00} Opened XX/XX/XXXX XXXX XXXX {$1400.00} Opened XXXX  XXXX, XXXX XXXX XXXX  {$780.00} Opened XX/XX/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 2020-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
I did not even know about this card until i got a bill in the mail. Then i did some research. It appears someone somewhere has a credit card in my name. This account was closed on XX/XX/XXXX with a {$0.00} balance. Then it was reported {$950.00} due on XX/XX/XXXX. So who had this card if i never knew about it?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-12 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: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
This was a sub-prime auto loan I got in XXXX to help with my credit rating since I had a foreclosure on my credit report. I needed credit, and this loan for a car i bought from a dealer in XXXX was something I thought I needed to help get my credit report in good standing. 
The loan turned out to be a nightmare with Ally Financial. I have a report on file with you, the CFPB. My issues with their fabricated payment history I thought was over in XXXX, when I was able to pay the loan off early. Wrong! They continue to report false information to the credit reporting agencies to this day. They are reporting 9 late payments on my loan which is very far from accurate. They continue to make my life miserable as I am still trying to get my credit score up to 700 to buy a house. 
I thought since I paid my loan off early, they would stop harassing me in the ways described in my report on file with you, the CFPB. It is clearly a case of predatory lending, and now it is clearly a case of predatory fair credit reporting laws being broken. 
I ask the CFPB to please make Ally Financial to stop reporting my loan in any way to the credit agencies as I made good and paid off a bad loan, they should make good and leave me alone and quit falsely reporting my payment history to the agencies. 
My info on file with the CFPB : XXXX XXXX XXXX XXXX. XXXX XXXX, # XXXX, XXXX, AZ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Harley Davidson Financial Services Inc
State: HI

Complaint narrative:
I have disputed an account with both Harley Davidson Financial Services and XXXX. There is a lawsuit against Harley Davidson. The details can be found at  XXXX. The original transaction was void, I do not owe the amount that appears on my credit report. 

I wrote many letters to Harley Davidson Financial services and XXXX  outlining the way the credit report was inaccurate. On XXXX, I sent proof the HDFS that the account was disputed successfully by my attorney to HD 's attorney, and successfully removed from XXXX. I asked them to validate the debt that appeared on my credit report. 

HDFS replied on XXXX. They say in their letter that they can not verify my account. 

I sent all this information to XXXX, so the account could be removed from my credit report. XXXX  finished the dispute, and updated the account. The update states that I made a {$6100.00} payment on the account. I never made such a payment. 

I want this account removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXXand contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Account Name XXXX  XXXX XXXX {$1700.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX {$2100.00} Opened XX/XX/XXXXXXXX XXXX XXXX XXXX {$810.00} Opened XX/XX/XXXX XXXX XXXX {$1400.00} Opened XXXX  XXXX, XXXX XXXX XXXX {$780.00} Opened XX/XX/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 2020-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXXand contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Account Name XXXX  XXXX XXXX {$1700.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX {$2100.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$810.00} Opened XX/XX/XXXX XXXX XXXX {$1400.00} Opened XX/XX/XXXXXXXX XXXX {$780.00} Opened XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I did not even know about this card until i got a bill in the mail. Then i did some research. It appears someone somewhere has a credit card in my name. This account was closed on XX/XX/XXXX with a {$0.00} balance. Then it was reported {$950.00} due on XX/XX/XXXX. So who had this card if i never knew about 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 2020-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I have disputed an account with both XXXX XXXX XXXX XXXX and Experian. There is a lawsuit against XXXX XXXX. The details can be found at XXXX. The original transaction was void, I do not owe the amount that appears on my credit report. 

I wrote many letters to XXXX XXXX XXXX XXXX and Experian outlining the way the credit report was inaccurate. On XXXX, I sent proof the XXXX  that the account was disputed successfully by my attorney to XXXX 's attorney, and successfully removed from XXXX. I asked them to validate the debt that appeared on my credit report. 

XXXX  replied on XXXX. They say in their letter that they can not verify my account. 

I sent all this information to Experian, so the account could be removed from my credit report. Experian finished the dispute, and updated the account. The update states that I made a {$6100.00} payment on the account. I never made such a payment. 

I want this account 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