vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: IL

Complaint narrative:
I called the company XX/XX/

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 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:
As reported on Transunion as of XX/XX/XXXX  : Account Name : XXXX XXXX XXXX XXXX Account Number : # XXXX Amount : {$2800.00} XX/XX/2021 I mailed Transunion a written notice of the incorrect information on my consumer report, after they previously refused to remove the incorrect information over the phone, despite confirming that the incident was a result of identity theft/fraud, there had been a police report and FTC report submitted XXXX and that this information should be removed immediately as I as the consumer never gave written consent to Transunion to report this unverified debt, pursuant to 15 USC Chapter 41 and 12 CFR 1022. 

XX/XX/XXXX  I called Transunion to inform them of the incorrect information being reported on my consumer report and the fact that it was a violation of my rights under the FCRA and as well as a act of identity theft and fraud, with a valid police report. 

*I as the natural person and consumer submitting this complaint for myself, give full consent to Transunion and the CFPB to communicate and share my information between each other in order to bring my remedy and solution to 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 2021-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
I recently received a copy of my credit report. The credit report showed a credit inquiry by company ( s ) that I do not recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my credit file unless I have authorized it. Please have this inquiry removed from my credit file immediately because it is making it very difficult for me to acquire credit. 

I have sent this letter l because I need your prompt response to this issues. Please be so kind as to forward me documentation that youve had the unauthorized inquiry removed. 



Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 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: EQUIFAX, INC.
State: CO

Complaint narrative:
You are reporting inaccurate information on my credit report. You are still reporting the company XXXX XXXX XXXX on my credit report as that show have been removed immediately due to inaccurate information on my consumer report. Having XXXX XXXX XXXX reporting negative on my account is harming my well being and ability to obtain credit. The company signed a cease and desist letter regarding stopping all communication which includes the advertisement on my credit report. I believe XXXX XXXX XXXX should be removed from my consumer credit report. This is not showing maximum accuracy on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
You are reporting inaccurate information on my credit report. You are still reporting the company XXXX XXXX XXXX on my credit report as that show have been removed immediately due to inaccurate information on my consumer report. Having XXXX XXXX XXXX reporting negative on my account is harming my well being and ability to obtain credit. The company signed a cease and desist letter regarding stopping all communication which includes the advertisement on my credit report. I believe XXXX XXXX XXXX should be removed from my consumer credit report. This is not showing maximum accuracy on 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 2021-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
called company XX/XX/

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Corp Solutions Inc.
State: GA

Complaint narrative:
Credit Corp solutions inc is trying to collect {$5200.00} on a XXXX account that has been dormate for over 8 year 's this exceeds GA statue 's of limitations of over 6 year 's. 
I was unaware of this for the past 8 year 's and received no notice until now, I've checked my credit report over the past 8 year 's and nothing was posted on my credit account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: AL

Complaint narrative:
I.C. SYSTEM, INC has added a collection entry to my credit report. This was added XX/XX/2021. The entry has the original creditor being : XXXX XXXX. I have NOT been sent a letter or received a call to dispute this erroneous entry. I DO NOT live in XXXX. 
The account number listed on the credit report Is : XXXX, for the amount of 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 2021-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I called the company XX/XX/

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have contacted Citibank XXXX XXXX Card to work out a settlement which the representative agreed to an amount to settle the account for less. The representative from Citibank refused to provide a letter that details the settlement and attempted to bully me by stating that Citibank is the 4th largest bank in the US. When I requested that I be permitted to use a recording of the settlement for record purposes the representative was rude and said Citibank will not allow a recording of their agreement but they on the other hand can record. This is not only unethical but very shady way of doing business. I made it all the way through the discussion when the representative kept insisting that I must pay without the letter. I requested a fax, email or even go to the bank to get a copy as the funds to settle for less were obtained from family member. I have a illness and the funding would be given by a family member. While Citibank may be large bank the abusing of clients should be frowned upon. The date of the call was on XX/XX/2021. The statement is that I can not settle with them with a stipulation. I have told them various times that the funding was from family member and that I want to make this settlement happen yet they have not wanted to provide the settlement in writting. I was advised that a verbal agreement was not a legal binding agreement.

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 2021-10-24 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: CA

Complaint narrative:
I mailed a request for a free annual credit report. I received a copy of my consumer credit file from XXXX and XXXX. I never received a credit report from TransUnion. TransUnion sent a postcard ( dated XX/XX/XXXX ) requesting copies of personal information to verify my mailing address. My mailing address has been the same since XX/XX/XXXX and TransUnion has sent my Credit Report to the same address since XXXX. This is the second year in a row TransUnion has tried to use stall tactics to avoid sending me a free 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 2021-10-24 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: CO

Complaint narrative:
2 years ago I signed up with XXXX XXXX to start working on my credit. After signing up I noticed unusual transactions or debts listed on my transunion report. 
1 ) A collection agency on behalf of XXXX in the amount of XXXX. I disputed and transunion removed the collection. 3 mths after, the collection agency sold the debt to another collection agency named XXXX XXXX XXXX. The debt was added back to my credit report for XXXX I have tried disputing again and transunion says the information is accurate. Their wrong, I have used XXXX for my service provider for internet, cable, and mobile and I'm still a loyal customer to this day. I should not have anything in collections because if I did then they would not provide me with services until the bills were paid. Shortly after my last dispute XXXX contacted me to warn me that someone my be trying to use my name for service but the address doesn't match my current address. The collection agency refuses to remove this from my credit. And it's now showing on transunion and XXXX. 

2 ) Transunion has also refused to remove a company name XXXX that popped up a few months ago under XXXX XXXX XXXX. I contacted this company and they were very Adamant that the charges were mine for some tires. I advised them that I didn't own a vehicle at that present moment and asked them to provide supporting documents. I have yet to hear from them. Transunion has stated the the account is accurate. It's not my account. This account also displays on XXXX and transunion. 
Last but not least 3 ) Transunion also sided with a collection agency named XXXX XXXX XXXX for XXXX. I was court ordered to have a XXXX installed into my car to obtain my license again. The company XXXX ended up costing me a huge tow yard fee for storage and tow because they locked the XXXX for non payment. I had just picked up my daughter from school and we stopped for a XXXX. She was XXXX at that time. While in the store XXXX shut done my car and refused to unlock it until I paid. Since the car was of course parked right in front of the store XXXX had it towed it cost me almost XXXX when I found it and XXXX is charging me for the equipment cost@XXXX. Not only did I return to XXXX to have this device removed but the sameday they charged my account XXXX. So they are trying to double dip.

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 2021-10-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2021 I placed and order with XXXX XXXX in the amount of XXXX for and uh oh honey eyeshadow palette as of yesterday I received my order it was not the order I placed it was someone else 's order with a different invoice but the outside of the shipping envelope had my name and address their makeup company has no contact information just through email I'm a very disappointed customer I called my credit card company Capital one for the dispute but they are stating they need further information but didn't give me a way to attach documentation and gave me only a temporary credit I'm not paying for and incorrect item below I've attached photos of what I ordered and what I received instead

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
On XXXX sent Identity theft report along with affidavit, and notary presentment to Ad Adstra through certified mail Receipt # XXXX to remove unauthorized account that was not opened by me, and I am yet to receive any communication from Ad Adstra about them following the law pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this information must be removed within four business days of receipt, and this hasn't been done which is a violation of my rights and the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Hey whats going on with your investigation? i hope my case is now being worked on, its been over three months since I sent you a letter but I have not seen no changes on the negative items to this date. I am waiting for them to be deleted before I can open a loan which is badly needed for my family so I'm hopin it will be removed soon because those are clearly errors on your part. I will keep on making follow up until you provided me with the response

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 2021-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX is trying to collect {$5200.00} on a PayPal account that has been dormate for over XXXX year 's this exceeds GA statue 's of limitations of over XXXX  year 's.

I was unaware of this for the past XXXX  year 's and received no notice until now, I've checked my credit report over the past XXXX year 's and nothing was posted on my credit account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
I sent a previous complaint under my married name XXXX XXXX, which is still in process through the social security office. The complaint is supposed to be under my maiden name XXXX. On XXXX sent Identity theft report along with affidavit, and notary presentment to Ad Adstra through certified mail Receipt # XXXX to remove unauthorized account that was not opened by me, and I am yet to receive any communication from Ad Adstra about them following the law pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this information must be removed within four business days of receipt, and this hasn't been done which is a violation of my rights and the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: WY

Complaint narrative:
We sold our home in XXXX, WY on XX/XX/2021. Around early XXXX I called Citizens to get an update on our payment for our remaining escrow balance. I believe that it was approximately {$900.00}. During that call they updated our contact information and said they would send us another check. On XX/XX/2021 I requested an update since we had not received our payment. They messaged us back on XX/XX/2021 saying that they would send us a lost check affidavit. I followed up on XX/XX/2021 because I had yet to receive the lost check affidavit. Citizens responded on XX/XX/2021 saying that the affidavit went out on XX/XX/2021. The affidavit arrived near the end of XXXX and I sent it back to Citizens. As of XX/XX/2021 I have yet to receive the check.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
This account has been disputed and an identity theft report has been submitted in proof that this account does not belong to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC
State: NJ

Complaint narrative:
My secondary loan has fallen very behind and was sold to multiple companies just when we were coming to a negotiation. The last company sold my loan in XXXX and Planet home lending took my loan over, they have sent letters stating they are will to help and we were in final stages of negotiation to get the loan back on track with a down payment, I received the paperwork and all it stated was the amount I needed to pay by XX/XX/2021 but there was no terms on the letter stating what my payment would be or what the down payment was going towards. I tried reaching out to my contact person XXXX XXXX through email and phone before the deadline and she was on vacation and not coming back until after the payment should have been made. The lawfirm stated I needed to have terms on that letter because it the loan was maturing and they could have told me in 12 months the rest was due immediately. 

XXXX XXXX had received a cease and desist from the company I am working with, but now I have received in the mail final judgement to put in for a sale date.I would like to resolve this ASAP but I never receive an answer. I fell into default which I had explained due to the fact my daughter had XXXX XXXX XXXX XXXX  ( which I can provide documentation if needed ) my husband was laid off at the time and we fell on hard times. We are more than willing to fix this problem and pay to keep our home as we have XXXX children and are hard working people. Can you please provide help?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
You are reporting inaccurate information on my credit report. You are still reporting the company XXXX XXXX XXXX on my credit report as that show have been removed immediately due to inaccurate information on my consumer report. Having XXXX XXXX XXXX reporting negative on my account is harming my well being and ability to obtain credit. The company signed a cease and desist letter regarding stopping all communication which includes the advertisement on my credit report. I believe XXXX XXXX XXXX should be removed from my consumer credit report. This is not showing maximum accuracy on 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 2021-10-24 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I ( natural person ) refuse to pay this alleged debt, I contacted the company to get the inaccurate information deleted off my consumer report, also I have an cease and desist on XXXX XXXX XXXX and the company is still in contact with me by reporting inaccurate information to my consumer report. The consumer reporting agencies put in a request for the alleged debt to be deleted. However, I disagree with there investigation results because pursuant to 15 USC 1681a ( e ) the consumer reporting agency must report to my neighbors, friends and associates. They didn't provide me with the results on how they investigated this alleged debt which makes this process unlawful.

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 2021-10-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX to sue and sue me of their mishandling of payment. The apartment complex and Fair Collections & Out has added derogatory information to my credit report. The apartment claims that I owe XXXX. I have EMAILS from the apartment complex stating that my original bill was XXXX, then it was XXXX, then XXXX. It is now being reported as {$5200.00} The company LOST the money orders I sent to them to pay this balance. I have EMAILS stating that they were not able to find the money I gave to them. The staff offered to 'discount ' fees if I paid again and/or set up a payment plan. 

I should not be held accountable for their lack of procedure. I should not be held accountable for the possible fraudulent act of the employees at XXXX XXXX XXXX I want this information removed from my credit report immediately. In addition to this derogatory and FALSE information added to my credit report ; note that Fair Collections & Out never sent me a letter to dispute or a Debt Validation Letter. If this is stated as an EVICTION on any court records I want it expunged.

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