vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have been disputing incorrect information being reported about my student loans since the beginning of XXXX. XX/XX/XXXX I had gotten an alert about changes on my report. I was appalled by the blatant lies and incorrect remarks I seen by an XXXX  associate. I immediately filed a dispute, and even with undeniable evidence against them, they refuse to admit their fault and remove this account, They have it listed as a WRITE-OFF when I clearly consolidated my loans and they were paid in full. The account in question is PAID IN FULL and is within 6 months of being 7 years old, and they refuse to remove it and this is a violation of my personal information because ( 1 ) the information in INCORRECT ( 2 ) I have paid this account in full and ( 3 ) I have to fight enough because of XXXX  exposing my data in a data breach and I am now a victim of identity theft because of them. This account should 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 2020-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
i have had an account at this bank for 4 years and never had a problem, but they have hired a new risk department and the risk is to the elderly and the financial fraud they warrant as elder abuse and fraud, they have paid so many unauthorized charges immediately and then i must wait 90 days until investigation is over, In the meantime within one month i have received over a {$1000.00} in bogus bank charges as they want to profit from letting vendors steal my money and now i must fight to right their wrongs. i am a lone woman of XXXX years old and i did life at XXXX XXXX XXXX XXXX  XXXX living off my fixed social security .and barely scrapping by, but i had a home and even though it was hard, i budgeted it. Now because of BBVA handling of my account and all the charges they tacked on for their profit, i am now homeless sleeping in a park ' I went to the branch to straighten it out, the girl named XXXX told me that i will never get one dime back and open account elsewhere. i was devastated and cried myself to sleep. i must keep the account open in hopes they remove the bogus charges even though now no way i can pay the {$1000.00} in bank charges. This is terrorizing the elderly and we had a meeting about BBVA and they are doing this to all the elderly, over 10 senior citizens

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27 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: World Acceptance Corporation
State: TX

Complaint narrative:
World Finance acct # XXXX charged off closed account with two different balances {$880.00} and {$1500.00} last reported XX/XX/XXXX opened XX/XX/XXXX last activity XX/XX/XXXX paid on time XX/XX/XXXX. Its reporting all of the above on my credit file. On XX/XX/XXXX I reached out to XXXX in regards to a fraudulent charge off on my account. Due to me receiving a alert from my credit monitoring service that a remark was added and when I pulled my report no remark was there and the reinvestigation was no longer on my file. XXXX closed the dispute without sending the debt validation I requested. World finance didnt send the debt validation documentation either. I spoke with 2 agents and a XXXX by the name of XXXX XXXX # XXXX and they all had different stories. The first agent hung up on my face when I asked where the debt validation was that I requested months ago. She stated the account was under reinvestigation and it was a validation as well. I told her it cant be validated and under investigation at the same time. I asked her to send me the documentation she claimed she couldnt open the validation and she hung up in my face. When I called back and requested a XXXX I asked the guy to look for the validation and he stated there wasnt one. He then stated he seen I requested for the dispute to be closed today XX/XX/XXXX and I informed him that was a lie I called for the validation today since its been months and XXXX has yet to respond. I was then transferred over to XXXX the XXXX and she stated she didnt have to give me the debt validation paperwork. I informed her that by law she had to validate the debt and she couldnt. Ive reported XXXX and World Finance to every outlet due to them violating my consumer rights and now have retained an attorney due to the Texas Statute limitations law of 4 yrs this account is exactly 4 yrs and 2 months old and Ive fought it the entire 4 yrs its been on my credit file. Under the Texas debt collection act and FDCPA XXXX and world finance has broken a number of consumer laws and I will be moving forward with my XXXX because they refuse to validate this fraudulent account. They are refusing because theres nothing to validate!! Legal action has been submitted through my lawyer office!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27 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: GA

Complaint narrative:
Im disputing this account on my Experian credit report as fraud, the account ( XXXX XXXX XXXX ) for  XXXX dollars my name has been by XXXX XXXX XXXX in the past I have filed a complaint with the FTC .and the XXXX   XXXX  thats why Im no longer a customer.XXXX XXXX XXXX has open lines of credit on my account when I was with XXXXXXXX XXXX XXXX and checked my credit illegally with out my consent I want this account removed off my credit report because its fraud and doesnt belong to me, whoever reads this from Experian this is XXXX XXXX XXXX and i am filing this complaint, now dispute this account and have it removed off my credit .I will send screen shots and FTC identity theft report in this complaint

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 2020-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
Im lodging a formal complaint against both Caine & Weiner & XXXX XXXX, as it is my belief, they violated my rights under the FCRA. Reporting inaccurate information about its status to the credit bureau. I didnt notice this error right away, that this was an already twice reported collection. Originally, this was a Debt by progressive insurance given as a collection to Caine & Wiener. I then paid in full and received a confirmation letter & the collection was subsequently removed from my credit report. Fast-forward, to XX/XX/XXXX, I noticed a collection on my credit report with a new Creditor XXXX XXXX. So being under the assumption, that I owed XXXX, I had every attention to pay it, but Due to COVID, I had to wait several months. Then several months later, on XX/XX/XXXX I called progressive to verify the amount on this collection I owed, and the agent proceeded to inform me that the account I had already paid this off a year prior. Well confused, as I knew as I just looked at it a few minutes before, I then asked, Why has this been reported again and on my credit report since XXXX? Then the progressive agent contacted XXXX XXXX & put my call on 3-way to verify this new information. The XXXX agent, then confirmed that I didnt owe anything on the so-called reported collection and despite being asked, the XXXX agent refused to remove this inaccuracy and false account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Im lodging a formal complaint against both XXXX XXXX XXXX XXXX CCS Collections, as it is my belief, they violated my rights under the FCRA. Reporting inaccurate information about its status to the credit bureau. I didnt notice this error right away, that this was an already twice reported collection. Originally, this was a Debt by XXXX XXXX given as a collection to XXXX XXXX XXXX. I then paid in full and received a confirmation letter & the collection was subsequently removed from my credit report. Fast-forward, to XXXX 2020, I noticed a collection on my credit report with a new Creditor CCS Collections. So being under the assumption, that I owed CCS, I had every attention to pay it, but Due to COVID, I had to wait several months. Then several months later, on XX/XX/XXXX20 I called XXXX  to verify the amount on this collection I owed, and the agent proceeded to inform me that the account I had already paid this off a year prior. Well confused, as I knew as I just looked at it a few minutes before, I then asked, Why has this been reported again and on my credit report since XXXX? Then the XXXX  agent contacted CCS Collections & put my call on 3-way to verify this new information. The CCS agent, then confirmed that I didnt owe anything on the so-called reported collection and despite being asked, the CCS agent refused to remove this inaccuracy and false account from my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC
State: NC

Complaint narrative:
My identity was stolen and many accounts was opened in my name without my Authorization. 
Ive been trying to take care of this issue for a long time and Im getting the same results

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
To whom it may concern, I am currently an authorized user on 2 of my cousins account. I been paying responsibly. My issue is XXXX and XXXX are not reporting it to transunion and other credit agencies. It shows up on my XXXX  which i will show you in my pictures. I have called both XXXX  and XXXX and both companies said they would update this and have not done so. Which is effecting my XXXX score which I will also show a you a picture of difference between my transunion and XXXX. All I am looking for is for everyone to have my accurate information on file. To my understanding of the fair credit report act this situation should have been fixed as it's been over 45 days and this is still not updated.

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 2020-09-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
There is a XXXX account listed on my report and the details of the account are being reported inconsistently amongst all 3 bureaus. The information such as dates etc is not the same from one bureau to the other, but if its the same account why is the information different. Someone has not done a good job of doing a proper investigation. I listed in detail in my letter to each bureau exactly what is incorrect and they each come back and say the accounts have been verified when clearly they have not.

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 2020-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
false account reported on my credit report. 
XXXX XXXX  XXXX I have lived in XXXX since XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
To whom it may concern, I am currently an authorized user on 2 of my cousins account. I been paying responsibly. My issue is XXXX and Barclays are not reporting it to XXXX  and other credit agencies. It shows up on my XXXX  which i will show you in my pictures. I have called both XXXX  and barclays and both companies said they would update this and have not done so. Which is effecting my credit score which I will also show a you a picture of difference between my XXXX  and XXXX. All I am looking for is for everyone to have my accurate information on file. To my understanding of the fair credit report act this situation should have been fixed as it's been over 45 days and this is still not updated.

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 2020-09-28 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: SC

Complaint narrative:
XXXX is showing my account as " dismissed '' in the comments and " Derogatory '' as a condition. I had disputed the account with Transunion once, but they listed the account as in dispute and I'm applying for a loan and had to remove the dispute. XXXX is no longer in business or filled bankruptcy and Transunion didn't update. 

This loan was list in XX/XX/XXXX to be included in a bankruptcy ; the bankruptcy was dismissed XX/XX/XXXX. At the time Everhome owned the mortgage and transferred it to XXXX XXXX who then merged with XXXX. XXXX transferred this account to XXXX XXXX XXXX  in XX/XX/XXXX. See notice of transfer from XXXX. XXXX never had the account listed as dismissed. 

I need the account to remove " dismissed '' from the comments and remover derogatory. This has caused my credit score to drop and I have to pay higher interest. Caused multiple pulls from the mortgage company. And the loan could be denied.

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 2020-09-28 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: SELECT PORTFOLIO SERVICING, INC.
State: SC

Complaint narrative:
XXXX is showing my account as " dismissed '' in the comments and " Derogatory '' as a condition. I had disputed the account with XXXX  once, but they listed the account as in dispute and I'm applying for a loan and had to remove the dispute. XXXX is no longer in business or filled bankruptcy and XXXX  didn't update. 

This loan was list in XX/XX/XXXX to be included in a bankruptcy ; the bankruptcy was dismissed XX/XX/XXXX. At the time XXXX owned the mortgage and transferred it to XXXX XXXX who then merged with XXXX. XXXX transferred this account to Select Portfolio Services in XX/XX/XXXX. See notice of transfer from SPS. SPS never had the account listed as dismissed. 

I need the account to remove " dismissed '' from the comments and remover derogatory. This has caused my credit score to drop and I have to pay higher interest. Caused multiple pulls from the mortgage company. And the loan could be denied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SOUTHERN TRUST MORTGAGE LLC
State: VA

Complaint narrative:
I am an 100 % XXXX XXXX who was attempting to buy a newly constructed house using my VA loan. I was already pre-approved for up to 400,000 by XXXX XXXX  which was the lender that I chose to use but when I put a bid in on the house the realty company ( XXXX XXXX XXXX XXXX   ID ( XXXX ), the builder : ( XXXX XXXX XXXX XXXX ) and the lender that they are associated with which is ( Southern Trust Mortgage ) were requiring that I get a second opinion from their lending agent XXXX XXXX from Southern Trust Mortgage to see if he could get me approved for a mortgage before allowing me to buy the house. I had already chosen my lender XXXX XXXX   and was already pre-approved so I told the realtor that I was not going to allow Southern Trust Mortgage to pull my credit because I had no association with Southern Trust Mortgage. The builder was also giving 2 % on closing costs and other incentives if I used their mortgage company. I was told through my realtor ( XXXX in XXXX ) that they refused to give me those incentives if I didn't use Southern Trust Mortgage. I feel that I was being discriminated against due to the fact that I am XXXX American and my Mortgage company are both XXXX American owned businesses. I feels as though the builder, realtor and lender felt as though I could not afford the home which was priced at XXXX. I bought a home 3 days later for XXXX with no problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/2018 with a balance of {$13000.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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: R & B Corporation of Virginia
State: VA

Complaint narrative:
XX/XX/2020 After checking my credit report, I noticed a collection placed by Credit Control ( XXXX XXXX XXXX XXXX ) in the amount of $ XXXX was not aware of this bill, and to be just placed on my credit report is unethical and actionable. 

I, the consumer have a right to request VALIDATION on this debt. 
That right was taken from me, when Credit Control skipped the process and put on my Credit Report.

I need this debt Validated, To include the original debt, itemization of this debt- to include dates and services. I will search my records and see what was covered by insurance. 

I am disputing this inaccurate and erroneus reporting, this is a violation of the Fair Debt Reporting Act.  Not to mention Violation of HIPPA-signatures, and releasing my health information for other parties to publish, I am requesting my records immediately. 

Please provide all the above information, AND remove this debt from ALL my reports. 

Send My Information To The PROPER and CORRECT address for me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Va XXXX I intend to get the bottom of this matter and take the proper channels to get results. 

XXXX XXXX Soc.Sec # XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/2018 with a balance of {$13000.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It XXXX concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/2018 with a balance of {$13000.00} -This is not my account.

Company response to consumer: Closed with explanation