vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-25 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: IN

Complaint narrative:
I have contacted Equifax multiple times and they continue to blatantly disregard my rights as a consumer by law. On XX/XX/XXXX, I mailed a dispute to Equifax in regards to an account listed on my credit report as XXXX/XXXX XXXX with an account number of # XXXX. I have no knowledge of this account and I have requested MULTIPLE times from Equifax, to please send me documentation confirming that the account they are reporting under my social security number is accurate and belongs to me, however all I continue to receive are " Updated '' and " We verified this item belongs to you '' automated letters, and I am highly frustrated with this illegal reporting. I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey. I have been disputing this account for many months. I have also disputed this account due to inaccuracies that I have noticed with Equifax and another bureau that this account is being reported to. Again, I have not received any verification of this account, and in addition to that, Equifax was reporting an open date of XX/XX/XXXX however XXXX was reporting an open date of XX/XX/XXXX. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. If this is the same account, how is the supposed verified information listed on my credit profiles different from one another? This is not possible and because of this inconsistency, please delete the following account from my credit profile immediately as I have REQUESTED MULTIPLE TIMES. I asked that this account be DELETED, not " updated '' or " verified. '' This is a blatant disregard of my rights as a consumer and this is my last step before contacting the XXXX XXXX XXXX, Federal Trade Commission, and my Attorney General. I sent a follow up dispute letter last month in XXXX and received the same response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax and XXXX  are reporting incorrectly that I am 30 - 60 days past due on XXXX partial account number XXXX. ( Please see page 7 and 8 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX / XXXX XXXX has for the second time fraudulently reported a 30 day or more late payment on my credit reports for XXXX XXXX. this issue was filed on the CFPB and the credit agencies last month and XXXX has falsely claimed in response to CFPB and to myself that they had made a mistake and that it will be fixed accordingly. I found out recently that they have reported the same false reporting intentionally damaging my credit and costing me much money and my job. 

Again : XXXX was 28 days, and the payment I made on XX/XX/XXXX is 28 calendar days from the due date and NOT 30 DAYS. 

XXXX XXXX XXXX XXXX have a few bad apples in their credit department and they are seeking personal vendettas against many customers, I'm one of those customers. If XXXX fraudulently lies to the CFPB and myself again about acknowledging and fixing this issue and yet playing it under the table to keep on submitting wrongful information they will be sued for damages and reported to the main stream media.

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 2019-04-25 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: TX

Complaint narrative:
XXXX  and Transunion are reporting incorrectly that I am 30 - 60 days past due on XXXX partial account number ****XXXX. ( Please see page 7 and 8 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

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 2019-04-25 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: IN

Complaint narrative:
I have contacted Equifax multiple times and they continue to blatantly disregard my rights as a consumer by law. On XX/XX/XXXX, I mailed a dispute to Equifax in regards to an account listed on my credit report as XXXX XXXX XXXX with an account number of # XXXX. I have no knowledge of this account and I have requested MULTIPLE times from Equifax, to please send me documentation confirming that the account they are reporting under my social security number is accurate and belongs to me, however all I continue to receive are " Updated '' and " We verified this item belongs to you '' automated letters, and I am highly frustrated with this illegal reporting. I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws,  and standards of reporting of which you are undoubtedly mandated in your obligation to obey. I have been disputing this account for many months. I have also disputed this account due to inaccuracies that I have noticed with Equifax and another bureau that this account is being reported to. Again, I have not received any verification of this account, and in addition to that, XXXX was reporting an open date of XX/XX/XXXX for this account however Equifax was reporting that this account was not even placed for collection until XX/XX/XXXX. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. If this is the same account, how is the supposed verified information listed on my credit profiles different from one another? This is not possible and because of this inconsistency, please delete the following account from my credit profile immediately as I have REQUESTED MULTIPLE TIMES. I asked that this account be DELETED, not " updated '' or " verified. '' This is a blatant disregard of my rights as a consumer and this is my last step before contacting the XXXX XXXX XXXX, Federal Trade Commission, and my Attorney General. I sent a follow up dispute letter last month in XX/XX/XXXX and received the same response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-25 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: Receivables Performance Management, LLC
State: NC

Complaint narrative:
I have a collections account on my credit report that is invalid for XXXX XXXX but is being held by a company called Receivables Performance Management. The account was paid and closed in XX/XX/XXXX directly to XXXX XXXX. XXXX XXXX sold the invalid debt to a collection agency in XX/XX/XXXX. They tried to send it to my credit report after is was paid but I filed a dispute right away and it was removed from my report. Then in XX/XX/XXXX the wrongful debt was somehow resold and reentered on my credit report in XX/XX/XXXX. I did not realize it was there until XX/XX/XXXX. I called the collection agency and disputed it that day and they said the would contact XXXX XXXX to verify I had no balance and then they would delete it and if they decided the debt was valid they would get back to me within 14 days. I heard nothing and received no calls or emails regarding this account and it still appeared on 2 of my 3 reports. So I called again today, XX/XX/XXXX and they said I needed to submit documentation that I had a {$0.00} balance through email, so I did and then I got a representative from XXXX XXXX to call them directly and the collections company gave them some line about the debt was valid because it was just pain in XX/XX/XXXX but it wasn't. It was paid in XX/XX/XXXX. They just submitted a dispute in XX/XX/XXXX. They are not only unlawfully selling dept but they are also claiming they don't have to remove a falsely reported debt because it was paid which means its valid. It was never valid at anytime since XX/XX/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 2019-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 60 days past due on the XXXX/XXXX   accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 7, 8 and 9 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1.  This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-25 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: CA

Complaint narrative:
A debt collection agency, by the name of Portfolio Recovery Associates, LLC., has been trying to collect on a XXXX XXXXXXXX account from a credit card I had a couple of year 's ago. The account was closed after an investigation was made based on Identity Theft after an individual manipulated me and further embezzled funds on or around XX/XX/2017. I thought the fraudulent items were going to be reversed after I spoke with one of their representatives a month later since I noted on my bill that the additional transactions in question were still included as part of the total amount owed. I disputed the accuracy of the amount owed with the collection agency, as well as furnished them with the aforesaid information, and they are unwilling to contact XXXX XXXX regarding the dispute. I just contacted XXXX XXXX ( in order to furnish the debt collector with a letter attesting such indicents ) and they mentioned to me that they have no information showing that an investigation was made ( which seems suspect to me ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 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: TX

Complaint narrative:
Experian I contacted XXXX in house recovery and they said in a recorded phone conversation they have no way of showing how this alleged account was paid only that it states paid I requested that they give me a copy of the document from the bank to show evidence they stated they have none and put me in contact with fraud department who also could not show any type of proof it was paid or how { no documentationof fact }, they stated in the recorded phone that they do not keep any records of transactions just report paid that is not validation { hearsay } remove this fraudulent account or you Experian show the show the transaction to and from back that they clearly can not show, again this is reaging of a alleged contract I even when as far as to talk to a supervisor who had no documentation of fact just that it stated paid. by them recording I can use it in a court of law if needed to. but you are reporting false information that can not be validated with documentation I NEVER PAID ANYTHING TO XXXX AND THIS IS OVER & 7 1/2 years old its time to put up the documents i requested from bank transaction showing payment and name or remove this account you are validating with no evidence FCRA,

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 2019-04-25 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: IA

Complaint narrative:
On XX/XX/2018 a lien against a property was paid in full at closing ; the company holding the lien : Portfolio Recovery Associates, XXXX of XXXX, Va. has not RELEASED or filed a SATISFACTION. Lien is open and still appearing on the property sold. New Owner can not get a mortgage loan to fix the property because of the outstanding lien.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX recently reported a {$460.00} collection account on my credit report. Prior to this account appearing on my report, I did not receive a notice of my right to dispute. This is a violation of my rights under the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-25 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: GA

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 60 days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 7, 8 and 9 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have been a victim of identity theft.

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 2019-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I had a loan mod at 3 % which went up to 3.65 % last year. I requested a loan modification, and th bank sent me an offer that raised my mortgage by almost {$1000.00}, I was assigned an account rep with poor English and little understanding of finance, who badgered me with phone calls, saying that I was the one who had requested increased payments, and wouldn't listen when I explained that I expected to get a LOWER offer. I nerve agreed to a modification and never signed any paperwork. The bank began charging me a higher payment, and I continued to pay my regular amount. The bank did not deposit my payment for several months, and when they did, they said my payments were short, charged me fees and have marked me as delinquent. 

I filed a previous complaint, and the bank sent a letter saying that none of this happened. I am attaching my payment history and statements from the last 3 months to prove that it has.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 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: FL

Complaint narrative:
My name is not showing up correctly on the the credit report. I see multiple addresses on my credit report. My full date of birth is not reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/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 2019-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Forest Recovery Services LLC
State: FL

Complaint narrative:
Forest Recovery Svcs just reported a {$1200.00} debt on my credit report. Prior to the appearance of this account on my report, I did not receive a notice of my right to dispute. This is a violation of my rights under the Fair Debt Collection Practices Act.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 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 — Investigation took more than 30 days
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Back in XX/XX/XXXX a store card for a macys  credit card was opened in my name. I have disputed this account several times with the merchant and also with the Credit bureaus. This account was charged off back in XX/XX/XXXX. However even though this account was charged off and is set to come off of my credit report XX/XX/XXXX. Macys still continue to report monthly late payments on this account. When this account was charge off this account should no longer be reporting monthly. This account was last reported this month XX/XX/XXXX. When I go to apply for something it looks as if I have recent late payments with this account. I have reached out to macys regarding this asking if they can send me a letter when this account was paid which was in XX/XX/XXXX. The rep told me that they will only be able to send a letter saying it was paid but not with a date because they are not allowed to do so which I find that hard to believe. when I contacted the credit bureaus regarding this issue also I was told that I need a letter from macys  when this account was paid in order for them to stop reporting monthly. Every month I get a new update from macys on my credit saying late payment which should not still be affecting my score when it has been 6 years and as mentioned this account is due to come off XX/XX/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 2019-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
Dear Sirs I opened two business accounts with Bank of America in XX/XX/2019. I received a letter last Saturday stating they are closing my accounts. 

The letter stated I have 21 days until the accounts are closed. 

I believe this is against the law and a violation of rules.

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