vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-07 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: FL

Complaint narrative:
I checked my credit report to find a trade line from XXXX for a repossession. I have never had a car loan in my name at all nor have I ever co-signed for any car. The account is associated with my niece, XXXX XXXX, who used my identify fraudulently and forged my signature to obtain a vehicle loan. I had no parts in this and never authorized any kind of transaction like this as my credit has never been strong enough.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I checked my credit report to find a trade line from XXXX for a repossession. I have never had a car loan in my name at all nor have I ever co-signed for any car. The account is associated with my niece, XXXX XXXX, who used my identify fraudulently and forged my signature to obtain a vehicle loan. I had no parts in this and never authorized any kind of transaction like this as my credit has never been strong enough.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I checked my credit report to find a trade line from XXXX for a repossession. I have never had a car loan in my name at all nor have I ever co-signed for any car. The account is associated with my niece, XXXX XXXX, who used my identify fraudulently and forged my signature to obtain a vehicle loan. I had no parts in this and never authorized any kind of transaction like this as my credit has never been strong enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC.
State: MN

Complaint narrative:
I never received a bill for the medical debt. After seeing the bill I can see why. It is because the debt is not mine. I notice a derogatory/negative mark on my credit report and called they company to find out why. They would not give me any information. I talked to XXXX XXXX and he could not find a debt owed at my current or previous addresses. He would also not let me speak to a supervisor. The response I received from the XXXX  said they never talked to me which is also incorrect. Because it is a fraudulent debt I do not want to give them my personal information although I did try to verify my address and they could not verify an address I have lived at for the past 15 years. The address on the bill is for the following address : XXXX XXXX ( XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX, XXXX, OR XXXX I have never lived in XXXX Oregon and was living in Utah at the time of this bill. It is obvious from the address that I have never lived there because I was not living in a shelter. 

They do not have and corroborating information on the bill to show that it is mine. I would like to know how they linked it to me since it is not me and is fraudulent.????

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I checked my credit reports to verify my personal information. Im unable to dispute the incorrect personal information via Experian, XXXX or XXXX  website. 
My name and SSN are wrong. 
My name is XXXX XXXX XXXX, not XXXX. 
My SSN is XXXX. 
My DOB is XX/XX/1987. 
My address is XXXX XXXX XXXX, XXXX, FL 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 2019-11-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: NV

Complaint narrative:
LJ Ross put a collection on my report for {$75.00} that does not belong to me. I contacted LJ Ross and I was informed it was for an electricity bill for an apartment in Maryland. I have never been to or lived in Maryland. How did a company provide service under a false identity? How is it acceptable to open an account for someone without verifying the identity they provided is theirs? I am in the middle of buying a house and this has created a set back for me. The account was reported on XX/XX/2019 for {$75.00}. This account was fraudulently set up and I willing to provide any required proof that I have never set foot in or lived in Maryland and I did not set up any electric account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I checked my credit reports to verify my personal information. Im unable to dispute the incorrect personal information via XXXX, XXXX  or Transunion website. 
My name and SSN are wrong. 
My name is XXXX XXXX XXXX, not XXXX. 
My SSN is XXXX. 
My DOB is XX/XX/1987. 
My address is XXXX XXXX XXXX, XXXX, FL 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 2019-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I checked my credit reports to verify my personal information. Im unable to dispute the incorrect personal information via XXXX, Equifax or XXXX  website. 
My name and SSN are wrong. 
My name is XXXX XXXX XXXX, not XXXX. 
My SSN is XXXX. 
My DOB is XX/XX/1987. 
My address is XXXX XXXX XXXX, XXXX, FL XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 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: EVERGREEN PROFESSIONAL RECOVERIES, INC.
State: WA

Complaint narrative:
I sent a letter to evergreen professional asking to remove the collections account. I never received a response I have been making monthly payments ( direct withdrawal ) they take {$50.00} a month from me. It should be paid in full

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
Someone is calling me to a store to come in. Even with all my information I was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
Someone is purposely changing my bank information and using it all the s year.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX, I contacted PayPal about removing the limitation from my account because I continued to have problems utilizing the advertised service. Once done TWICE, everything seemed in order. The day before {$500.00} was set to be made available to me, the service limited my account without proper cause. 

PayPal Customer Support : The companys international customer representative cite the services perceived integrity as the reason as to why they c annoy precisely tell me why I am not allowed to be advised as to their limitation of my account. Being that they are technically a financial institution, I continuously requested to be provided with the exact reason why they found me to be in violation of PayPals terms and conditions when Id both verified my identity and personal access to third-party linked accounts TWICE and did not engage in the sale or transfer of any of the prohibited items or services listed in the companys terms and conditions. They would not close my account or refund me the money deposited when asked. 

The company requires evaluation as the scripted, generic answers did not provide me with any sort of validity as to the actions this service chose to take on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
I had a joint account with my ex boyfriend and he filed for bankruptcy in XXXX of XXXX. The account was for a water softener through synchrony bank and the remaining balance was {$1400.00} with the last payment being make in XXXX of XXXX. We agreed he would pay the bill after we split and he had to file for bankruptcy a few years later. Fast forward to now, I am trying to get any kind of information from synchrony about this account and they tell me they can't send me anything because it is in their bankruptcy department where it will stay for 5yrs, and they can't release any information about the account. I am trying to get a house built and this is showing up on my credit report as a charge off and I can't get anything from them stating what the status of this account is. I just need them to send me information about this account so I can give it to my loan officer to start construction. I have called the bankruptcy department several times and they refuse to transfer me to a supervisor so I can plead with them to send me something about this account. My name was not primary my ex was so they don't want to give me any information. I just want to build a house and they are keeping me from it. I have sent them a certified letter that they received on XX/XX/XXXX. I am waiting to hear back from them when I stumbled upon this website. I disputed this account with XXXX in XXXX of XXXX and they found it was mine but would not give me any other information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pathfinder Credit Services
State: FL

Complaint narrative:
An account with pathfinder credit services is showing on my credit XXXX & XXXX  credit report when it is showing fraudulent charges XXXX  has removed the debt collection and secondly I dont even know who that co-signer is! The amount is XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Disputed Collections for Myslef because I am a XXXX under the age of XXXX I have never opened up services or. A credit card in my name because It was impossible because I was born in XX/XX/XXXX. I have not reached XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
I am writing because of an issue I am having with a debt buyer/collection agency currently reporting information on my consumer credit files. 
I initiated a dispute in late XX/XX/2019, less than 15 days ago with the CRA 's and the debt buyer/collection agency wrote me a letter stating that while they are investigating my dispute, I had to write them a letter stating that the account was in dispute. I saw this as an attempt to stall and/or delay the investigation requested by myself as well as potentially seeking to circumvent FCRA requirements in reporting by making duplicate demands to draw my time and or resources. 

The original dispute calls for an investigation and documentation, as the debt is unknown to me and therefore challenged. The company responded that while they are investigating they require my request of investigation otherwise they will not investigate. This is nothing more than asking for what they already received to waste my time. 

I replied to them by latter and would like to request the CFPB to mediate this matter thereby maintaining transparency and holding company to account for their practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Tried to log in on my XXXX account, did not remember current password, then blocked from account, told there was a collection notice submitted by equifax, by unidentified complaintant. Tried to contact equifax but told had to call a number. I hate talking over the phone when the issue is unclear and personal mumble so bad I can not understand them. That is why I ask for a written copy, verified with full disclosure.If they have a complaint, I demand a certified, verified and notarized copy of complaint signed under penalty of perjury by preparer. Never received a written complaint by mail from any source.Equifax and XXXX both violating my rights. I DEMAND FULL DISCLOSURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 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: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/2019 I was charged {$430.00} by XXXX XXXX in error.I disputed the erroneous billing charge with CitiCards and on multiple occasions provided the final billing statement which showed I was charged for mileage in error as the statement states unlimited miles are included. In addition to the total due being far less than {$430.00}, I've attached the last submission and copies of documentation provided to Citi showing this. 

Citi however, has refused to correct this billing error despite being informed and provided with the documentation provided by XXXX directly of what the actual amount due and correct charge should have been for. 

On XXXX I received a letter from citi stating Without a valid credit slip they are unable to intervene on my behalf with the merchant or their bank.Yet, Citi has been provided with all the necessary documents needed to dispute this invalid charge, and simply refused to do 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 2019-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Protection Association, L.P.
State: FL

Complaint narrative:
I have a debt collection of {$530.00} showing up on my XXXX credit report that isnt mine. Ive never had an account with Credit Protection Association.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 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: Navient Solutions, LLC.
State: PA

Complaint narrative:
XXXX continues to furnish information on account incorrectly. Payment never late. Reported on XXXX as on time. Continue to violate FCRA Guidelines .Department of Education Navinet continues to furnish incorrect information on credit file. Company has multiple accounts on credit file displaying negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 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: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX continues to furnish information on account incorrectly. Payment never late. Reported on XXXX  as on time. Continue to violate FCRA Guidelines .Department of Education XXXX continues to furnish incorrect information on credit file. Company has multiple accounts on credit file displaying negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 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: Commercial Acceptance Company
State: PA

Complaint narrative:
Commercial Acceptance continues to furnish negative information on credit file. Company tarnished my credit. Satisfactory of payment will not remove negative tradeline from account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
I reached out to Lakeview Loan Service and inquired about removing my escrow because my home is worth XXXX and I owe XXXX ( I owe less than 80 % ). I was instructed on what to do, which I did. I payed my yearly insurance which was {$1700.00} dollars and I sent Lakeview the receipt. Lakeview turns around a payes the insurance company {$2800.00} dollars and now ( XXXX XXXX XXXX XXXX XXXX wants to return {$2800.00} dollars to me. I have called Lakeview almost every day and I get no help, they instruct me to mail my request and no one reaches out to me. I also emailed Lakeview my tax receipt for the taxes that I payed a few days ago, but again I get no answer back and when I call, I get the same result- Im told to mail in the information. I dont want Lakeview paying the taxes again like they did with the insurance, please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 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: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX continues to furnish negative information on credit file. Company tarnished my credit. Satisfactory of payment will not remove negative tradeline from account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: MI

Complaint narrative:
Credit Collections company Caine and Weiner has put on my Credit Report a debt owed of {$170.00} for XXXX XXXX. I paid them {$170.00} utilizing my prepaid debit card on XX/XX/2019 and they still have not removed it from my credit report. I have called them twice about not removing it from my credit report and they give me a different excuse each time I called but do tell me I do not owe them anything anymore. It's been 6 weeks. I can not see what their issue is but it's holding me up from getting approval from applying for a VA mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 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: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXXXXXX XXXX continues to report incorrect information. Account satisfied with company. XXXX XXXX  violates FCRA Guidelines. Continuing to place incorrect amount and removing tradeline is a violation to my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 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: ONEMAIN FINANCE CORPORATION
State: PA

Complaint narrative:
One Main Financial continues to furnish credit inquiries on credit file from XX/XX/ 2018. Company stated inquiry would be removed. Company failed to comply to FCRA Guidelines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had a Capital One credit card that went to collection due to miss payments. I had complications with my XXXX and stop working. Capital One sold the account to XXXX XXXX XXXX, XXXX Capital One still showing on my credit report. I have requested a validation letter to this other collector XXXX XXXX XXXX since they can't prove that I signed a contract with them, I'm not paying this account unless they prove me that.

Company response to consumer: Closed with explanation