vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I wrote to Experian ; XXXX and XXXX  Credit Reporting Agencies on XX/XX/2018 to challenge the reporting and compliance of a closed account reported reporting under account number XXXX with a balance of {$3200.00}. This information is misleading and is reporting serious factual errors. My identification has been comprised and I am following the instructions of the FTC by thoroughly reviewing my credit and this is when I came across factual errors regarding the account status and account information. The company XXXX XXXX is reporting a partial account number, and this partial identification has hindered the completion of this process. This closed account that is reporting incorrect information it one of ( 2 ) accounts with the same account number being reported by XXXX XXXX and it is causing confusion and havoc to my credit and needs to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
It is amazing when you find out about a debt, a collection agent was to try and destroy your credit, and the integrity of the law. It has been reported to the credit bureaus by Collection Agency : Credit System International , Inc., XXXX XXXX XXXX, XXXX, TX XXXX of a debt owed of {$70.00} which I have no recollection of. In taking in test that was authorized by my doctor have been paid. This company called XXXX XXXX XXXX XXXX XXXX  is an establishment I'm unfamiliar with. Never took any test at this location. When it comes federal laws, they are written to protect consumers from unlawful business practices from agencies such as. I was not given sufficient time during the dispute process to get as much information regarding a medical debt. I never received anything about services rendered from this establishment, and not anything from Credit System International , Inc. By law a consumer has up to 90 days at the time collection agency makes contact regarding an outstanding debt, before any reporting to the credit bureaus negatively. Federal Credit Reporting Act under The Federal Commission, section 623. CSI reported negatively to the credit bureaus while this matter was in dispute. The have violated my rights under the FDCPA and FCRA. I value my credit, and anything negatively reported should be removed. Please assist in this matter. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 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: FL

Complaint narrative:
Experian Report number, XXXX I have asked Experian multiple times to verify their methods of how they verified my accounts and every time they send me a letter that they have verified the accounts. 
I have asked specific questions of whom did they speak with? When did they call and whom supplied the information along with other questions to verify that they are actually verifying these accounts. 
For over 60 days they have not responded to my request to supply the information. Now I am no longer confident that Experian is legally verifying my accounts.

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 2018-12-07 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: CA

Complaint narrative:
I have disputed the late payments on XXXX  XXXX, XXXX  XXXX for months. Experian refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

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 2018-12-07 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: TX

Complaint narrative:
I had submitted a request to Equifax following the passing of my father to mark his credit file as deceased and get a final copy of his credit report to verify that there is nothing outstanding that I didn't already know about. What I received in response, addressed to me at my address, was a credit report for a completely different individual. I have her full name, date of birth, current & previous addresses, I know what credit cards she has and how much she owes, I know the bank and balance of her checking account, and all the reported places she's worked. While I don't know her full SSN, I can tell you that the last 4 digits of it match that of my father. That is the only similarity between the two and I believe that is where the mistake was made. A second letter from Equifax makes the same mistake and details a change to the account. 

I called Equifax to tell them about the mistake. They got information from me about my father and said that they were sending me the correct credit report. They didn't seem surprised or alarmed that they had sent out the wrong report initially. After my information was divulged in the breached by this same bureau last year, this is even more troubling. Since consumers don't have any choice in the bureau having our sensitive information, I would hope that they would make every effort to protect that information through security measures and preventing human error. This does not appear to be the case. 

I'm attaching my initial request to Equifax, the single page letter about a change to the account, and one page of the credit report to emphasize the sensitive information I was provided. I did double check to make sure the SSN which I had provided was correct. I have not redacted any information from the pages, but will not share this information with anyone else. I do intend to send the individual a letter so that she can contact Equifax directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 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: GA

Complaint narrative:
I received  a 30 days late on my credir report I wrote to XXXX  XXXX  / XXXX  because i thought i sent in my payment the company sent me recepts of my payment the last payment was XX/XX/2018. I sent in another payment in november and it went toward the XXXX  payment. on my credit report it shows the account closed but  there is another account still open on the credit report this account have not 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 2018-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CL Holdings LLC
State: TN

Complaint narrative:
On XX/XX/XXXX at approximately XXXX XXXX, a process server arrived at my home. I was not at home, but the process server advised my spouse that we had a court date of XX/XX/XXXX, and that the case was in regards to XXXX. Myy wife informedme of the incident, and after some research, I was able to locate the debt collection agency, XXXX XXXX XXXX , XXXX   based out of XXXX XXXX, MN ( hereafter referred to as XXXX ). I then contacted XXXX, and inquired as to when the debt validation letter had been sent. I was placed on hold for two minutes, and after being taken off hold, I was informed that the lawsuit was in the process of being dismissed, and that they were preparing a debt validation letter, and were willing to make a payment arrangement. 
My complain is that the agency in question initiated a lawsuit without properly notifying me of said debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In my credit report CAPITALONE ACCT # XXXX shows a late payment on XX/XX/2013, the information is incorrect, this account was setup in automatic payment and they made a mistake in processing the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 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: FL

Complaint narrative:
I wrote to XXXX  and TransUnion Credit Reporting Agencies on XX/XX/2018 to challenge the reporting and compliance of a closed account reported reporting under account number XXXX with a balance of XXXX. This information is misleading and is reporting serious factual errors. My identification has been comprised and I am following the instructions of the FTC by thoroughly reviewing my credit and this is when I came across factual errors regarding the account status and account information. The company XXXX XXXX is reporting a partial account number, and this partial identification has hindered the completion of this process. This closed account that is reporting incorrect information it one of (2) accounts with the same account number being reported by XXXX XXXX and it is causing confusion and havoc to my credit and needs to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I wrote to XXXX  and XXXX Credit Reporting Agencies on XX/XX/2018 to challenge the reporting and compliance of a closed account reported reporting under account number XXXX  with a balance of XXXX. This information is misleading and is reporting serious factual errors. My identification has been comprised and I am following the instructions of the FTC by thoroughly reviewing my credit and this is when I came across factual errors regarding the account status and account information. The company XXXX XXXX is reporting a partial account number, and this partial identification has hindered the completion of this process. This closed account that is reporting incorrect information it one of (2) accounts with the same account number being reported by XXXX XXXX and it is causing confusion and havoc to my credit and needs to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 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: ERC
State: NY

Complaint narrative:
My XXXX XXXX, XXXX and XXXX credit files have ( 3 ) accounts reported that do not belong to me. I have requested a reasonable investigation and my request has not been addressed.

These ( 2 ) accounts seem to be the same account and it's being reported twice and furthermore ; I have no recollection of neither these accounts. I am demanding an investigation and a full history of the accounting, any bill of sale or service contract bearing my signature.

1- XXXX # XXXX XXXX XXXX XXXX XXXX XXXX , MN XXXX ( XXXX ) XXXX Last Payment Made : XX/XX/2017 2-XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX ORIGINAL CREDITOR XXXX XXXX XXXX ( Retail ) Past Due : > $ XXXX<

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
My XXXX XXXX, XXXX and XXXX credit files have ( 3 ) accounts reported that do not belong to me. I have requested a reasonable investigation and my request has not been addressed.

These ( 2 ) accounts seem to be the same account and it's being reported twice and furthermore ; I have no recollection of neither these accounts. I am demanding an investigation and a full history of the accounting, any bill of sale or service contract bearing my signature.

1- XXXX # XXXX XXXX XXXX XXXX XXXX XXXX , MN XXXX ( XXXX ) XXXX Last Payment Made : XX/XX/2017 2-XXXX XXXX XXXX # XXXX XXXX RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX ORIGINAL CREDITOR XXXX XXXX XXXX ( Retail ) Past Due : > $ XXXX<

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: FIRST HERITAGE CREDIT LLC
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX in XXXX Louisiana. contacted me on XX/XX/2018 about collecting a debt for First Heritage Credit in the amt # of XXXX Acct # XXXX I have been making payments and I dispute this amount. They continue to call everyday at least 3-5 times or more a day. I have made arrangements with them and my account is up to date. But they still handed my account over to the law firm. Saying that I have not made payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 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: AZ

Complaint narrative:
Between XX/XX/2018 and XX/XX/2018, XXXX XXXX announced a major data breach. I received notice from XXXX that I am a victim of the data breach. There are 3 fraudulent and unauthorized accounts and credit inquiries on my XXXX, XXXX  and XXXX XXXX credit report that are fraudulent, unauthorized and don’t belong to me, and is the result of the XXXX   data breach and a compromise of my personal information. The following accounts are fraudulent, unauthorized and I didn’t apply for the accounts: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. The accounts are fraudulent and a result of the XXXX XXXX data breach. The following credit inquiries are fraudulent: XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX 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 non-monetary relief
Consumer complaint received 2018-12-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
On XX/XX/2018 I was approved for deferment of financial hardship. However on my credit report it still states that I am late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 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: EQUIFAX, INC.
State: WI

Complaint narrative:
After sending information to verify myself with my disputes, Equifax is delaying my request for an investigation by means of multiple requests for identification that was provided with the initial request. Equifax has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report. 

ACCOUNTS XXXX XXXX XXXX what bankruptcy/inaccurate XXXXXXXX XXXX XXXX what bankruptcy/inaccurate XXXX XXXX XXXX what bankruptcy/inaccurate COLLECTIONS  XXXX not mine XXXX XXXX XXXX not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-07 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Regarding LVNV Acct # XXXX I sent them 2 certified letters 1 on XX/XX/2018 and 1 on XX/XX/2018 and I will provide the signatures for letters. The first letter I asked for them to verify this account. They didn't send me a response verifying this account and didn't note the account as disputed. So I sent a second letter stating : " You are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which you signed for on. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30- day period. '' LVNV never marked my credit report as disputed even after 60 days it was still not marked which I will provide 2 credit reports to show.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Associated Credit Services, Inc.
State: TN

Complaint narrative:
I received a call today from Associated Credit Services, Inc which I initially missed but subsequently returned on XX/XX/2018 at XXXX and interacted with a representative for 1min and 43sec during which the representative stated that the call was being recorded. I also record calls which I determine are potentially fraudulent because I am still dealing with the aftermath of my identity theft. I informed the representative that my identity had been compromised and therefore I was also recording the conversation for my own records. I also asked that Associated Credit Services , Inc. validate the alleged debt. I was interrupted by the representative who stated she did not consent to me recording the call. To which I responded if that was the case then I also did not consent to the call and that Associated Credit Services , Inc. cease and desist from calling me. XXXX XXXX XXXX XXXX XXXX states " An individual who is a party to either an in-person conversation or electronic communication, or who has the consent of one of the parties to the communication, can lawfully record it, unless the person is doing so for the purpose of committing a criminal or tortious act. '' As indicated in the attached recording I was only recording the conversation to protect my interests and not for the purposes of committing a criminal or totious act nor was I attempting to record the call in secret. My credit has already been severely damaged as a result of identity theft and as a result at the advice of my attorney I have recorded ALL interactions that involve debt collections in the event I need evidence for court that the collection agency is violating my rights under the FDCPA. Furthermore I am of the opinion that Associated Credit Services , Inc. asking for and recording my personal information over the phone is a privacy violation. I do not at feel comfortable sharing PII over the phone or it being recorded because I have no way have knowing who has access my PII, what security measures are put in place to prevent my PII from further compromise, what auditing procedures are in place to ensure only the personnel that needs access in order to perform their jobs has that access, and what processes/procedures are in place to permanently dispose of my PII while ensuring confidentiality.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc
State: TX

Complaint narrative:
You are reporting a paid medical collection on XXXX, XXXX  and XXXX. This debt was paid directly to XXXX XXXX XXXX ( see attached proof ) and should have never been reported to the credit bureaus by you. This reporting has damaged my credit score and is preventing me from qualifying for a home mortgage. I want it removed 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 explanation
Consumer complaint received 2018-12-07 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: TX

Complaint narrative:
Upon being denied a credit card that was supposedly guaranteed, I was sent a letter describing why this happened. Apparently, I need to add a phone number to the fraud alert on my Experian credit report, but I can not get through to speak to a human being on the automated phone number, which is the only one I can find. I can not log into my account because Experian has a record of my existing account, but my old password and username would not pull up any matching records. I reset the password through the automated system, but that will not work either, and it is impossible to get any help at all even after being denied credit due to this issue. When companies like Experian determine whether or not I can get credit for a medical issue, they need to actually answer the phone and give people the help they need to resolve a simple issue like just adding a phone number to the fraud alert.

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