vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-19 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: IN

Complaint narrative:
XXXX XXXX XXXX is reporting negative on my consumer reports with XXXX and Transunion. I have notified XXXX, Trans Union, and XXXX via certified mail on numerous occasions requesting documentation to prove that the negative information being reported is accurate. The last certified letter I sent them was a 5-day reinsertion letter dated XX/XX/2017, because they removed the account, but later Transunion and XXXX put it back on my report driving my score down. TransUnion and XXXX sent me a report stating that the accounts were verified. TransUnion do not have any reporting they just have the account as a bad debt. XXXX has the account reporting as a bankruptcy account. I have spoken to the company and had them send me the release of lien for the property again ; which I am attaching to this complaint. I am still the owner of this property. XXXX and TransUnion did not follow the requirements relating to reinsertion of previously deleted material. I received no such notification, this is a serious violation of the FCRA, and I demand that the account be deleted immediately from my credit report.

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 2018-07-19 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have requested my free credit report to Equifax through the XXXX XXXX XXXX online. 
After rewing and going through the process requiring from Equifax as answering all the questions for verification, the system denies me, to get my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 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: NV

Complaint narrative:
On XX/XX/2018 my bank account of 25 years was compromise. XXXX XXXX XXXX XXXX. Someone got my bank information and overdraw my checking account by ordering fraudulent merchandise with my account information. I noticed a few days later recent inquiries on my credit report for credit. That I did not authorize. As I was reviewing the recent inquiries I also noticed a few older that I didn't recognize. I have not applied for credit and these are all fraudulent and linked to whomever stoke my banking information. I had to file a fraud affidavit for my bank. And police report. To get my money back. These inquiries are fraud. Who will apply with the same creditor the same day.

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 2018-07-19 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: NV

Complaint narrative:
On XX/XX/2018 my bank account of 25 years was compromise. XXXX XXXX XXXX XXXX. Someone got my bank information and overdraw my checking account by ordering fraudulent merchandise with my account information. I noticed a few days later recent inquiries on my credit report for credit. That I did not authorize. As I was reviewing the recent inquiries I also noticed a few older that I didn't recognize. I have not applied for credit and these are all fraudulent and linked to whomever stoke my banking information. I had to file a fraud affidavit for my bank. And police report. To get my money back. These inquiries are fraud. Who will apply with the same creditor the same day.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 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: IN

Complaint narrative:
XXXX XXXX XXXX is reporting negative on my consumer reports with Experian and XXXX. I have notified Experian, XXXX XXXX, and XXXX via certified mail on numerous occasions requesting documentation to prove that the negative information being reported is accurate. The last certified letter I sent them was a 5-day reinsertion letter dated XX/XX/2017, because they removed the account, but later XXXX and Experian put it back on my report driving my score down. XXXX and Experian sent me a report stating that the accounts were verified. XXXX do not have any reporting they just have the account as a bad debt. Experian has the account reporting as a bankruptcy account. I have spoken to the company and had them send me the release of lien for the property again ; which I am attaching to this complaint. I am still the owner of this property. Experian and XXXX did not follow the requirements relating to reinsertion of previously deleted material. I received no such notification, this is a serious violation of the FCRA, and I demand that the account be deleted immediately from my credit report.

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 2018-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I attempted to dispute the debt that was listed I owe on my credit report but first Id like to say Ive never received anything in the mail, but Ive never had a XXXX XXXX credit card account or a XXXX XXXX account. They both have removed their self from my credit report now I have this company giving me a hard time and I sent a certified letter to them and they did not respond to by 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JH Portfolio Debt Equities, LLC
State: FL

Complaint narrative:
On XX/XX/2018 I located a debt being reported to all three credit bureaus by JH PORTFOLIO located at XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. Via certified mail, I made contact with the company requesting a validation of debt. This was mailed on XX/XX/2018. Please see provided documents for proof of delivery. As of XX/XX/2018 I did not receive correspondence from JH PORTFOLIO in reference to my alleged account with them. I mailed a second letter via certified mail on XX/XX/2018 advising them they failed to validate the debt and demanded a removal of inaccurate information from my credit report. As of this date the information has not been removed and I am requesting assistance in having the inaccurate information removed. Please see attached forms for exact letters mailed and certified mail receipts

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 2018-07-19 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: IL

Complaint narrative:
I attempted to dispute the debt that was listed I owe on my credit report but first Id like to say Ive never received anything in the mail, but Ive never had a capital one credit card account or a XXXX XXXX account. They both have removed their self from my credit report now I have this company giving me a hard time and I sent a certified letter to them and they did not respond to by 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
Diversified Consultant disregards my notices that I am a victim of identity theft and the account in the amount of {$960.00} that they hold under my social is a result of identity theft. I have never had any obligation to diversified Consultants nor any company that it represents. There is no legal contract bearing my signature. Diversified also failed to notify me of any attempt to collect a debt or notification that they would be reporting this account to the credit agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC
State: TX

Complaint narrative:
CAPIO PARTNERS has inserted an account in the amount of {$600.00} representing XXXX XXXX XXXX XXXX. I have never had any business or obligation with XXXX XXXX nor XXXX XXXX XXXX.NOR have I ever signed any form related to release any medical history to any companies. This is entirely against HIPPA. I am a victim of identity theft and there is a fraud alert on my credit file. I have also informed CAPIO of this status. CAPIO PARTNERS can not provide a contract bearing my signature that I have any obligation that I would owe or ever owed them any monies. CAPIO PARTNERS has never contacted me regarding the attempt to collect a debt yet they just inserted onto my credit file without warning. there is no contract and never has been one. there is no legal proof bearing my signature that proves that I indeed owe monies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
TRANSWORLD SYSTEMS has inserted an account in the amount of {$260.00} representing XXXX XXXX XXXX. XXXX. I have never had any business or obligation with TRANSWORLD nor XXXX XXXX XXXX XXXX .NOR have I ever signed any form related to release any medical history to any companies. This is entirely against HIPPA. I am a victim of identity theft and there is a fraud alert on my credit file. I have also informed TRANSWORLD SYSTEMS of this status. TRANSWORLD can not provide a contract bearing my signature that I have any obligation that I would owe or ever owed them any monies. TRANSWORLD has never contacted me regarding the attempt to collect a debt yet they just inserted onto my credit file without warning. there is no contract and never has been one. there is no legal proof bearing my signature that proves that I indeed owe monies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I have contacted SW CREDIT regarding account ASSOCIATED WITH XXXX on 3 different occasions thru certified mail asking to verify that I owe their company any funds and for what. Ive also ask for anything bearing my signature that verifies I have obligations to pay them or have had any business dealings with them. Yet they have faile to validate according to law. This collection company is damaging my credit file and cant provide legal proof. I have also informed them that I am a victim of identity theft and this account is a result of identity theft. There is no contract and furthermore I have not had any dealings with SwCredit nor the company XXXX it represents.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX 4. XXXX XXXX XXXX XXXX

5. XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX XXXX 8. 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 2018-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This is the second time I'm opening a complaint about the same problem, previous complaint XXXX. It has been 2 months since Citibank blocked my account for no reason and returned all my automatic debits and disappeared with a transfer of {$1000.00}. Now I am being charged for the fees and fines caused by an error that the bank has already acknowledged and assumed but which has not yet complied with the agreement. I am contacting the bank but they do not respond to my emails and my account is still negative.

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 2018-07-19 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: TX

Complaint narrative:
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1.XXXX XXXX XXXX 2.XXXX XXXX 3.XXXX 4 . XXXX XXXX XXXX XXXX. 
5. XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX XXXX 8.  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
I contacted the collection agency ( Ad Astra Recovery ) several times and they continue to tell me that they can not provide me with proof/paperwork showing my ownership of a debt for {$500.00} with XXXX XXXX taken out in XX/XX/2013. I told them its on my 3 credit reports and is the only negative item. I disputed the {$500.00} several times and still can not get proof of this debt. I was told that they flagged the debt as fraud and to provide a police report then they will investigate. XXXX County refuses to let me file a police report from a debt dispute from XX/XX/2013. I am going in circles and this is my worse nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 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: TX

Complaint narrative:
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX 4. XXXX XXXX XXXX XXXX. 
5. XXXX  XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX XXXX 8.  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 explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I contacted the collection agency ( XXXX XXXX XXXX ) several times and they continue to tell me that they can not provide me with  proof/paperwork showing my ownership of a debt for {$500.00} with Speedy Cash taken out in XX/XX/2013. I told them its on my 3 credit reports and is the only negative item. I disputed the {$500.00} several times and still can not get proof of this debt. I was told that they flagged the debt as fraud and to provide a police report then they will investigate. XXXX County refuses to let me file a police report from a debt dispute from 2013. I am going in circles and this is my worse nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and XXXX XXXX with no successful resolution. XXXX, XXXX   and XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late XXXX 2016.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Mercedes Benz Financial Services
State: FL

Complaint narrative:
I have a loan with MERCEDES-BENZ FINANC. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and MERCEDES-BENZ FINANC with no successful resolution. XXXX, XXXX   and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XXXX 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 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: VA

Complaint narrative:
I have my credit monitoring by XXXX. I just received my 3 bureau credit report and Transunion information is not correct. I tried to file a dispute but wans n't permitted stating that I had a dispute in progress which I do not. This is hurting my credit.

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 2018-07-19 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I got an auto loan in 2015 to buy a car. 2yrs or so the motor vehicle was surrendered/repossessed. I did not get any letter of collection. I am seeking a mortgage now and was made aware by a lender that a collection of {$8000.00} was on my report. I contacted the bank and was told that the car was appraised and auctioned for {$3900.00}, and that they are seeking to collect said {$8000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midstate Collection Solutions, Inc.
State: IL

Complaint narrative:
I lived in housing paid for by my then employer and when I left the company to move home they didnt transfer the lease into the new management leaseEs name as I was told.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 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: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
XX/XX/XXXX I pulled my bureau report and found that XXXX XXXX XXXXXXXX XXXX ( PRA ) of XXXX XXXX XXXX XXXX VA XXXX had reported a collection account against my name in the amount of {$480.00}. I sent a request to PRA as a validation of debt they claimed was due them for an account they allegedly purchased from XXXX XXXX that was charged off in XXXX, after being in dispute. 

XX/XX/XXXX response from PRA does not include sufficient information and evidence to determine the validity of PRA 's claim of assignment to enter into the alleged original contract between the Original Creditor and alleged Debtor that was charged-off, or the amount PRA paid for the account, which is suspected to be pennies on the dollar, yet they are demanding the full amount charged off by XXXX XXXX, and without providing an affidavit as requested evidence of the purchase amount and assignment for entering the alleged original contract. 

XX/XX/XXXX a 2nd request for validation of debt was sent to PRA requesting the enclosed Debt Collectors Disclosure Statement ( DCDS ) be completed and returned within 30 days, because PRA 's  XX/XX/XXXX response was insufficient to determine if PRA had the authority to demand payment of a debt that had been charged off by the Original Creditor and if so how much did PRA pay for the account. 

XX/XX/XXXX response from PRA states that they have already answered the dispute and without returning a completed DCDS they state : Please be advised we have reviewed your dispute..... Our office considers this matter closed. 

This is not in compliance with my request for the completion of the DCDS so that I can determine if PRA has a rightful claim and authority to report negative information to the credit bureaus and request payment from me as owner of a debt that XXXX XXXX charged off in XXXX. 

XX/XX/XXXX a 3rd request for validation of debt was sent informing PRA a complaint was being filed with CFPB and as a Notice of Intent if PRA does not comply and return a completed DCDS within 30 days. PRA is causing me harm by reporting negative information to the credit bureaus on an account they have failed to provide sufficient evidence they have authority to make a claim against me for. 

XX/XX/XXXX filed this complaint with CFPB

Company response to consumer: Closed with explanation