vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-14 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: NY

Complaint narrative:
The account on my credit report is not authorized or verified

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 2020-05-14 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: NY

Complaint narrative:
The account on my credit report is not authorized or verified

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AFNI INC.
State: IL

Complaint narrative:
On XX/XX/XXXX I received an alert from XXXX   regarding a change in my credit report. After accessing my report, my score dropped 17 points due to collection that was placed on my report on XX/XX/XXXX from Afni Collections. I never received any notice regarding this debt, nor did I receive a phone call. After calling and speaking to a representative, they had complete disregard that they failed to validate this debt before placing it on my credit report where my score dropped. I am now in the process of buying a home an my realtor is not willing to move forward because I now have a negative remark on my report that sets me back another 30-45 days until this dispute has been handle and removed. This is completely illegal to place a debt that has been discharged in my chapter XXXX BK as of XX/XX/XXXX. When I tried to explain this to the representative, again I was ignored. No regarding for the fact that this debt was no longer valid and hindering me from moving forward in purchasing a home. I have disputed this debt with XXXX  and Afni, providing Afni with all the details of my bankruptcy. I would also like to mention that when the rep tried to verify my information, NONE of it was correct, and I did NOT provide any updated info. Collections companies are required to verify a debt prior to reporting to a credit bureau. This is a tactic that many of them use to get you to call them so that they can collect a debt. Please note that the debt is listed for exactly 1 day on my report ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ

Complaint narrative:
I continue to receive automated messages from HRRG collection company to call them. I mailed a letter regarding the debt they are attempting to collect with proof the account was paid other than a {$50.00} portion that was unwarranted and per the hospital that recorded the debt would be waived. I haven't received anything in writing in about 6 months. Every day at least once I get a call from HRRG with an automated message to call them. The numbers show up under peoples names and various other business unrelated to them ( XXXX was the most recent ) so clearly they are hiding their identitiy. When I mailed the letter, I asked them for confirmation in writing and of course received nothing other than the non stop calls. I have tried blocking the calls now but they keep coming up with other local numbers. I just want them to go away.

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 2020-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
As of today XX/XX/XXXX I've noticed that two accounts under the name XXXX XXXX XXXX XXXX has been reinserted back onto my ( Transunion ) credit profile without 5 business notice as required under federal law section 1681 of the fcra.

There are currently two accounts being reported simultaneously. 

1 ) account ; debt collector ; XXXX XXXX XXXX XXXX, report original creditor. XXXX XXXX XXXX XXXX with an outstanding balance of {$1900.00} inaccurate, unverifiable reporting a violation of FCRA rules section 1681.

2 ) account that collector, XXXX XXXX XXXX XXXX. Reports, original creditor as XXXX XXXX. With an outstanding balance of {$3500.00}. This information is inaccurate, misleading, inconsistent. A violation of fcra rules section 1681. 

Notice in attachment ; XXXX XXXX XXXX XXXX   knowingly changed the name of original creditor from XXXX XXXX XXXX XXXX to XXXX XXXX and altered the outstanding balance I'm out from {$3500.00} to {$3500.00} to make it seem like a new account. This is a clear violation of federal laws. 

Both account has been added and deleted to my credit 3 times since XXXX of 2020. Records will show.

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 2020-05-14 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: Credit Technology, Inc.
State: CA

Complaint narrative:
There is a Credit Inquiry added by Credit Technology or XXXX XXXX as of XX/XX/2020 which i didn't authorize. Please kindly investigate and get the inquiry removed from my report. Please let me know if my personal information got compromises in any manner, so i can take action needed. 
Thanks!!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
About 2017 I lost everything including my job. I was in the hospital for months. Due to my sickness, I was unable to work months after I got out of the hospital. These companies which I had no relationship start calling and harassing me. They sometimes would call and ask for me and would not make it known who they were.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: TX

Complaint narrative:
XX/XX/2020, I received an update from XXXX stating that a collection had been posted to my credit file from Afni, Inc. with an amount of {$440.00} I owe to XXXX XXXX XXXX. I have never been contacted by Afni, Inc. by mail or phone. I do not owe XXXX XXXX XXXX and have nothing from XXXX XXXX XXXX to reflect a past debt. Afni, Inc. is past the four year period under the Texas Debt Collection Act and is reporting false information on my credit report by stating first that I owe money and second that I am behind.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have contacted XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX that is the information about the company behind XXXX on the contact us section. I haven't received confirmation or any contact once I submitted my complaint on their website. The situation being I can't access the free credit report weekly that they have now announced through the website through XX/XX/2021. I have tried to request the annual credit report online and it says that I have to call or through mail but I want the information now. They dont give an explanation. If it's because of identity they should have mechanisms to verify that and to my knowledge they have but they don't give that alternative. I am trying to mantain careful records to dispute information on my credit report and i need the information at the day i request it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LOBEL FINANCIAL CORPORATION
State: TX

Complaint narrative:
The unknown company is charging recurrent fees for late payment when the account has been closed and do not understand where all these late payments are being made up from. This has generated an exaggerated amount with a negative impact reflecting within my credit profile. I do not know who the debt collecting agency is because in my credit profile all I see is the financial company that I paid the money to which is called Lobel Finance. I believe that Lobel Finance is selling old accounts to some secret collection agency company in order to negatively affect the former clients ' credit reputation. Something must be done to stop these organizations from selling the clients ' personal information for financial gains and charging fees that are irrelevant to that owed when an account has been closed for more than 2 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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: NJ

Complaint narrative:
Despite my previous written requests, unverified items still remain on my credit report in violation of Federal Law. They stated previous responses to my other dispute letters that they have verified some items as accurate but failed to provide me with copies of the documents that they used to verify these accounts as per my request. their failure to provide me with the proof of the disputed accounts is evidence that they can not and did not verify any of the disputed accounts as they say they do. Their failure to delete the disputed accounts that can't be verified after my written requests is also evidence of their willful disregard of Federal Law. I ask again that these items 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 2020-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
About 2017 I lost everything including my job. I was in the hospital for months. Due to my sickness, I was unable to work months after I got out of the hospital. These companies which I had no relationship start calling and harassing me. They sometimes would call and ask for me and would not make it known who they were.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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: GreenSky, LLC
State: NJ

Complaint narrative:
My name is XXXX XXXX. I financed windows with the merchant XXXX XXXX XXXX on XX/XX/XXXX. The total finance charges were {$17000.00} which is currently is good standings/repayment. I am listed as the sole buyer on this account. My roommate XXXX XXXX XXXX did a separate finance with XXXX XXXX XXXX  on XX/XX/XXXX for a storm door for {$1900.00}. I ( XXXX XXXX ) was involved with this purchase. The storm door was installed and I was not present nor did I sign any contractual agreement. After my roommate never receiving a bill for the storm door, it was later discovered that XXXX had sold the account to Greensky and placed the delinquent account on my credit report. After review of the contract, it has the buyer 1 as XXXX XXXX and buyer 2 as XXXX XXXX which was never agreed upon as I was the individual responsible for the account regarding the windows. Both myself and XXXX spoke with the merchant who stated they would resolve the problem and start issuing bills in XXXX XXXX 's name. However, since then I have not heard back from the merchant but was later informed that the individual who wrote up the contract is no longer working for XXXX. I initially had the account removed from my credit report. Strange enough, Greensky has XXXX 's phone number which they call frequently and when he answer the call and explains the situation, they state they can not discuss the matter with him as he is not the account holder. This is incorrect as he is clearly listed as the buyer/buyer XXXX on the contract they as well as myself have. We eventually spoke with Greensky on multiple occasions and the account was remarked multiple times prior to them informing us they would look into the matter to resolve the issue. In addition, I was instructed to file a police report, which I did with XXXX Police Department ( police report # XXXX ). However, today XX/XX/XXXX I received notification that my credit score dropped 74 points as Greensky has put this account back on my credit report. I am very frustrated and tired of the run around that I am getting from the merchant and Greensky. XXXX is willing to pay the account, however, I want this out of my name and off of my credit as this is fraudulent and affecting my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
On XX/XX/2018, Midland Funding released trying to collect a false debt through legal action. The debt would not be pursued or sold and they were supposed to remove it completely from my credit file but as of this date, it still remains and it still reporting monthly that I owe them money. Midland Funding is still reporting monthly on my XXXX  and XXXX  credit reports and is in violation of our legal agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company 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 2020-05-14 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: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
I contacted the company at the beginning of XXXX to advise them, the information they are transmitting to the credit bureaus as being incorrect, given the fact the account was charged off 7 years ago. The company maliciously and continuously keeps reporting the account as still being open, and having a balance. They execute this erroneous act every 6-months or so.

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 2020-05-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I was reported as having a late payment for XXXX and XXXX, when in fact I have the proof that I made my XXXX payment XX/XX/XXXX, which was not 30 days late and then I made my XXXX payment on XX/XX/XXXX. I provided this proof and their still not correcting the issue. 
This is hindering me from getting approvals for other things when in fact I've shown proof and it's still not corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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: PA

Complaint narrative:
I contacted the company at the beginning of XXXX to advise them, the information they are transmitting to the credit bureaus as being incorrect, given the fact the account was charged off 7 years ago. The company maliciously and continuously keeps reporting the account as still being open, and having a balance. They execute this erroneous act every 6-months or so.

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 2020-05-14 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I contacted the company at the beginning of XXXX to advise them, the information they are transmitting to the credit bureaus as being incorrect, given the fact the account was charged off 7 years ago. The company maliciously and continuously keeps reporting the account as still being open, and having a balance. They execute this erroneous act every 6-months or so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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: PA

Complaint narrative:
I contacted the company at the beginning of XXXX to advise them, the information they are transmitting to the credit bureaus as being incorrect, given the fact the account was charged off 7 years ago. The company maliciously and continuously keeps reporting the account as still being open, and having a balance. They execute this erroneous act every 6-months or so.

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 2020-05-14 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I sent Experian several letters to dispute my account due to unable to verify or validate accounts. They responded sending me a credit report that belongs to my grandmother. They stated that the error is my fault because I didnt provide my ssn or date of birth. They say because I did not supply the information in my letter they assumed it was my grandmother who has a different address, name, Ssn, dob, etc. They refuse to own their mistake or reinvestivate my dispute which did indeed include all information to verify my identity. This is why the company is in trouble for security breach. They are sending information without authority. My grandmother is very upset and looking into a lawyer.

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 2020-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Trans union deleted a good standing credit card from my report. I lost over 100 points because of this. The card is XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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: PA

Complaint narrative:
I submitted a dispute for the inquiries on my credit report. The inquiries were removed, however my credit score was not addressed. The inquiries which were removed had a negative impact on to my credit score, therefore their removal should have a positive impact to my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation