vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-03 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: NC

Complaint narrative:
Appeal cfpb Re Experian continual changing of my US LEGAL NAME on my credit reports Experian has changed or is using 7 numerous SEPERATE reported Names ON SEPERATE CREDIT REPORTS to report SEPERATE DIFFERENT credit history all contain fraud information I was sent a new name credit report dated XX/XX/XXXX with a name XXXX XXXX XXXX XXXX XXXX as per attached screenshot report # XXXX Less than 30 days prior they reported me as XXXX XXXX XXXX XXXX XXXX XXXX report # XXXX REPORTING a fraud address of XXXX XXXX XXXX XXXX Virginia ... being added after I put a XX/XX/XXXX freeze on my credit reports thru XXXX identity theft protection services online.. 
And then XXXX XXXX XXXX XXXX via email listed as EXPERIAN And then XXXX XXXX email from USA experian support email as XXXX XXXX XXXX XXXX XXXX with a membership ID # XXXX account thru experian basic credit works company email  XXXX XXXX - ( XXXX ) XXXX XXXX report # XXXX on XXXX XXXX XXXX dispute XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX report # XXXX that I pulled after being denied a loan due to my identity theft registered with the FTC and reported identity theft and fraud activities in my names addresses phone and SSN # as per experian documents in 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 2020-02-03 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: GA

Complaint narrative:
I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account : XXXX {$8700.00} Opened XX/XX/XXXX XXXX XXXX XXXX   {$4800.00} Opened XX/XX/XXXX I did not make the charges listed above. I request that you remove all fraudulent charges and any related fees, send me an updated and accurate statement, and close the account. I also request that you stop reporting the inaccurate information to credit bureaus. 
I have enclosed my Identity Theft Report, proof of my identity, and a copy of my credit report showing fraudulent items related to your company. I also have enclosed a copy of the Notice to Furnishers of Information, which explains your responsibilities when providing information to credit bureaus. 
The Notice also states that if a credit bureau notifies you that information you provided may be the result of identity theft, you must stop reporting the inaccurate information and you can not attempt to sell or transfer the fraudulent d Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Debts to another party for collection. 
Please investigate this matter and send me a written explanation of your findings and actions. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 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:
I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account : XXXX  {$8700.00} Opened XXXX, XXXX XXXX XXXX XXXX {$4800.00} Opened XXXX XXXX XXXX  I did not make the charges listed above. I request that you remove all fraudulent charges and any related fees, send me an updated and accurate statement, and close the account. I also request that you stop reporting the inaccurate information to credit bureaus. 
I have enclosed my Identity Theft Report, proof of my identity, and a copy of my credit report showing fraudulent items related to your company. I also have enclosed a copy of the Notice to Furnishers of Information, which explains your responsibilities when providing information to credit bureaus.

The Notice also states that if a credit bureau notifies you that information you provided may be the result of identity theft, you must stop reporting the inaccurate information and you can not attempt to sell or transfer the fraudulent d Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Debts to another party for collection.

Please investigate this matter and send me a written explanation of your findings and actions. Sincerely,

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 2020-02-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Global Lending Services LLC
State: GA

Complaint narrative:
I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account : XXXX {$8700.00} Opened XXXX, XXXX GLOBAL LENDING SERVICES {$4800.00} Opened XXXX XXXX XXXX I did not make the charges listed above. I request that you remove all fraudulent charges and any related fees, send me an updated and accurate statement, and close the account. I also request that you stop reporting the inaccurate information to credit bureaus. 
I have enclosed my Identity Theft Report, proof of my identity, and a copy of my credit report showing fraudulent items related to your company. I also have enclosed a copy of the Notice to Furnishers of Information, which explains your responsibilities when providing information to credit bureaus.

The Notice also states that if a credit bureau notifies you that information you provided may be the result of identity theft, you must stop reporting the inaccurate information and you can not attempt to sell or transfer the fraudulent d Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Debts to another party for collection.

Please investigate this matter and send me a written explanation of your findings and actions. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I would like to file a formal complaint against Experian as I understand the CFPB disputes will not also end up being included in my credit report. 

I understand that The Consumer Finance Protection Bureau ( CFPB ) has administrative oversight over compliance with the credit reporting provisions of the FCRA, including compliance by the credit reporting agencies. 

I chose the word dispute to validate debts on my Experian credit report on accounts that report closed, XXXX balance, unknown account status, or hasn't updated in over a year. Experian inserted in the comments Account in dispute-reported by subscriber. Account information disputed by consumer under the Fair Credit Reporting Act. I contacted XXXX XXXX and XXXX XXXX XXXX and I explained that it will affect me negatively and they said they would take it off, but can't guarantee what the bureaus would do. 

Actions Taken : I contacted Experian on XXXX XXXX, 2020 and asked them to remove the note that it's in dispute. I told Experian that I never intended to file a dispute with the credit agency when I spoke to their rep, my intention was to contact the original creditor which by law I should be able to contact the original creditor myself but the company information is not provided on any of my credit reports. I made it clear I was disputing with Experian themselves and was told it'll be deleted via phone in 24-72 hours. This has still not happened.

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 2020-02-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I would like to file a formal complaint against Equifax as I understand the CFPB disputes will not also end up being included in my credit report. 

I understand that the Consumer Finance Protection Bureau ( CFPB ) has  administrative oversight over compliance with the credit reporting provisions of the FCRA, including compliance by the credit reporting agencies. 

I chose the word dispute to validate debts on my Equifax credit report on collection accounts. Equifax inserted in the comments Consumer Disputes Reinvestigation in progress. Collection Account and Collections in the comments and as account status. I contacted the credit agencies via phone and I explained that it is affecting me negatively and they said they would take it off, but can't guarantee what the bureaus would do. 

I contacted Equifax and asked them to remove the comment. I told Equifax that I never intended to file a dispute with the credit agency when I spoke to their rep, my intention was to contact the original creditor which by law I should be able to contact the original creditor myself but the company information is not provided on any of my credit reports. I made it clear I was disputing with Equifax themselves and was told it'll be deleted via phone in 24-72 hours. This has still not happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I would like to file a formal complaint against XXXX as I understand the CFPB disputes will not also end up being included in my credit report. 

I understand that the Consumer Finance Protection Bureau ( CFPB ) has administrative oversight over compliance with the credit reporting provisions of the FCRA, including compliance by the credit reporting agencies.

I chose the word dispute to validate debts on my XXXX credit report on collection accounts. XXXX inserted in the comments Consumer Disputes Reinvestigation in progress. Collection Account and Collections in the comments and as account status. I  contacted the credit agencies via phone and I explained that it is affecting me negatively and they said they would take it off, but can't guarantee what the bureaus would do. 

I contacted XXXX and asked them to remove the comment. I told XXXX that I never intended to file a dispute with the credit agency when I spoke to their rep, my intention was to contact the original creditor which by law I should be able to contact the original creditor myself but the company information is not provided on any of my credit reports. I made it clear I was disputing with XXXX themselves and was told it'll be deleted via phone in 24-72 hours. This has still not happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I would like to file a formal complaint against Transunion as I understand the CFPB disputes will not also end up being included in my credit report. 

I understand that the Consumer Finance Protection Bureau ( CFPB ) has administrative oversight over compliance with the credit reporting provisions of the FCRA, including compliance by the credit reporting agencies. 

I chose the word dispute to validate debts on my Transunion credit report on collection accounts. Transunion inserted in the comments Account information disputed by consumer.. I contacted the credit agencies via phone and I explained that it is affecting me negatively and they said they would take it off, but can't guarantee what the bureaus would do. 

I contacted Transunion and asked them to remove the comment. I told Transunion that I never intended to file a dispute with the credit agency when I spoke to their rep, my intention was to contact the original creditor which by law I should be able to contact the original creditor myself but the company information is not provided on any of my credit reports. I made it clear I was disputing with Transunion themselves and was told it'll be deleted via phone in 24-72 hours. This has still not happened.

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 2020-02-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Profit Services Group
State: GA

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX XXXX , XXXX regarding account # XXXX. This company is fraudulently report inaccurate information to me credit profiles with the major credit bureaus, as well as defaming my character. I have made several attempts to reach this collection agency, to receive no response, and invalid mailing address. I used the address reported to XXXX  on my credit report and it is invalid. Since I have no contract with XXXX XXXX XXXX XXXX aka Profit Services Group, of XXXX Georgia, I want this account REMOVED FROM MY CREDIT IMMEDIATELY! I have also filed a complaint with the CFPB complaint # XXXX, and have not received a response either.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 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: Ocwen Financial Corporation
State: MD

Complaint narrative:
I have spoken to PHH Mortgage Consistently and in XXXX the confirmed that I owe XXXX or close to that number. Now I consistently seeit getting higher. I know there is some definete frayd here. I have to continuosly write CFPB to get changes. If I do not see a reduction in my mortgage to the correct amount I will be forced to resort to obtaining legal resources. I am upset that PHH mortgage, a subsidiary of Ocwen, has not corrected that mortgage company 's flaws. I I DEMAND my mortgage balance amount be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 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: MD

Complaint narrative:
I have spoken to XXXX XXXX  Consistently and in XXXX the confirmed that I owe 240000 or close to that number. Now I consistently seeit getting higher. I know there is some definete frayd here. I have to continuosly write CFPB to get changes. If I do not see a reduction in my mortgage to the correct amount I will be forced to resort to obtaining legal resources. I am upset that XXXX XXXX, a subsidiary of XXXX, has not corrected that mortgage company 's flaws. I I DEMAND my mortgage balance amount be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bay Area Receivables, Inc
State: MD

Complaint narrative:
Please refer to uploaded document for all of the details about the complaint. 

This complaint involves two companies. The hospital where medical treatment was received and the collection agency. This collection account is reported with an outstanding balance of {$790.00} at all three credit bureaus. The medical bill was paid by my primary insurance, XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX contact : XXXX XXXX XXXX Bay Area Receivables XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX contact : XXXX XXXX XXXX bayareareceivables.com

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 monetary relief
Consumer complaint received 2020-02-03 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: IL

Complaint narrative:
INCORRECT INFORMATION REPORTED ON MY CONSUMER REPORTS

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 2020-02-03 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: IL

Complaint narrative:
INCORRECT INFORMATION REPORTED ON MY CONSUMER REPORTS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 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: IL

Complaint narrative:
INCORRECT INFORMATION REPORTED ON MY CONSUMER REPORTS

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 2020-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Colony Brands, Inc.
State: CA

Complaint narrative:
Incorrect information on my credit reports Such as XXXX XXXX I believe you help me over a year ago with this they had sent me a letter tell me they're going to remove it and never did I contacted them again and it could be another 30 days you just been a run around with them back and forth including wrong information on my credit reports from all three agencies it is impossible to get any credit car loans anything

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 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: IL

Complaint narrative:
INACCURATE INFORMATION ON CONSUMER REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: AP

Complaint narrative:
In early XX/XX/2019, I applied for a refinance mortgage with Navy Federal Credit Union. I agreed to pay points and was approved for a 2.5 % rate. It took an extremely long time for anyone to call me back regarding the status of the loan. I was told that I was approved for the loan. Last week I received a notice stating " we have exceeded the validity of all documents, including the credit report for this loan application. '' I do work overseas for the XXXX XXXX XXXX. but the house is my primary residence which I return to occasionally through out the year. Even if it where a second home my loan to value ratio is 25 %. After getting this email ... ... .my loan information has been deleted from my internet banking account. Furthermore no one has returned my calls regarding this loan. It appears that Navy federal does not want to honor the 2.5 % rate. Also there are several complaints on the internet about Navy Federal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 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: IL

Complaint narrative:
Inaccurate information on consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 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: IL

Complaint narrative:
Inaccurate information on consumer 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 2020-02-03 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: IL

Complaint narrative:
Inaccurate information on consumer 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 non-monetary relief
Consumer complaint received 2020-02-03 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: IL

Complaint narrative:
INACCURATE INFORMATION BEING REPORTED ON MY CONSUMER REPORT

Company response to consumer: Closed with non-monetary relief