vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-03 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I purchased a XXXX XXXX set for {$1000.00} back in XXXX 2020. Due to COVID, there was a delay in shipping and the ring was not shipped until XX/XX/2020. I immediately returned the bridal set back to the company within a week of receiving it and they confirmed that the ring was back in their possession. Now the credit card company is not honoring the return that the company has already confirmed to them on several occasions. I have disputed this directly with the company on multiple occasions with no true resolution although I have provided all the proof of the return on my end and the jewelers end. I continue to be charged for an item I no longer have.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-03 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: AL

Complaint narrative:
My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.

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 2020-11-03 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: AL

Complaint narrative:
My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX  XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 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: MI

Complaint narrative:
Upon recently checking my current credit report I noticed some unfamiliar items that need to be removed. The accounts listed below are reporting inaccurately on my credit report and is in violation of the Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified or reported inaccurately. '' The law is noticeably clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX  XXXX  XXXX XXXX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 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: MI

Complaint narrative:
Upon recently checking my current credit report I noticed some unfamiliar items that need to be removed. The accounts listed below are reporting inaccurately on my credit report and is in violation of the Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified or reported inaccurately. '' The law is noticeably clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I HAVE FOLLOWED ALL THE RULES OF WHAT TO DO MY INFORMATION WAS STOLEN OR MISUSED I HAVE GIVEN THE CREDIT COMPANYS ALL THE PROOF THEY NEEDED THEY STILL HAVE YET TO REMOVE THE ACCOUNTS

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 2020-11-03 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I HAVE FOLLOWED ALL THE RULES OF WHAT TO DO MY INFORMATION WAS STOLEN OR MISUSED I HAVE GIVEN THE CREDIT COMPANYS ALL THE PROOF THEY NEEDED THEY STILL HAVE YET TO REMOVE THE ACCOUNTS

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 2020-11-03 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: State Collection Service, Inc.
State: WA

Complaint narrative:
This company is reporting that I owe money to them. I have tried to fix this issue with them MANY TIMES and they decline to verify my debt to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 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 — Their investigation did not fix an error on your report
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
Credit acceptance has fraudulently reported this debt back and fourth as closed and charged off account on my credit report each time I dispute for update with different credit bureau credit acceptance reports different information going from closed account to account charged off which had destroyed my credit on a debt that's been reported closed and charged credit acceptance didn't want to take responsibility for the damages that the vehicle had during a repo when. I picked up vehicle it was leaking gas and could not be driven off the lot vehicle was towed to XXXX XXXX XXXX where credit acceptance spoke with 3rd party released my account information and have promise mechanic payment for damages credit acceptance was confirmed responsible for damages in transportation of vehicle when finally repaired no on one wanted me to have the vehicle for months I needed my vehicle to get back to work XXXX XXXX XXXX kept vehicle almost one year only consultanting directly to credit acceptance where they released my account information with XXXX XXXX XXXX. Credit acceptance made negotiation with XXXX XXXX XXXX without me and retrieve vehicle from XXXX XXXX credit acceptance robbed me of my life my job the vehicle my credit when they made me pay for a vehicle undrivable from then I called corporate to investigate they close investigation without merit or concerns that vehicle wasn't drivable upon being redeemed although I was advised before arriving vehicle was drivable credit acceptance took my money for car and as a result I was never able to drive that vehicle credit was destroyed my credit job lost with no vehicle and my life set back by credit acceptance not honoring they're mission they also released my account information to XXXX XXXX XXXX and spoke to them and not me about holding on to the vehicle which prevented me from having any use of the vehicle after one year they made a deal with XXXX XXXX XXXX and did not honor the customer credit acceptance picked up vehicle from XXXX XXXX XXXX which has all this information has been monitored and recorded and the information pertaining to this account I want this account remove and updated properly my family and credit has suffered enough at this point this account has fraudulent activity all over it credit acceptance needs to take accountability and responsibilities for the damages of vehicle disclosure of my account information to 3rd party and still charging me as if this account isn't reported as charged off this entire account was fraud on credit acceptance behalf of my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I reached out to Experian in reference to the reporting of an account listed on my credit report. I disputed the account and asked for the account to be verified with proof of if the account was valid or not. These inaccurate accounts were disputed XX/XX/2020. Today is now XX/XX/2020 and still I have no received any update or results from my dispute.

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 2020-11-03 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: FL

Complaint narrative:
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

Credit collection acc # XXXX I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 
Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 
If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!

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 2020-11-03 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: FL

Complaint narrative:
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

Credit collection acc # XXXX I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 
Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 
If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I reached out to Equifax in reference to the reporting of an account listed on my credit report. I disputed the account and asked for the account to be verified with proof of if the account was valid or not. These inaccurate accounts were disputed XX/XX/2020. Today is now XX/XX/2020 and still I have no received any update or results from my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
On Monday XX/XX/XXXX, I called Capital One regarding my credit cards. The two credit cards that I have with Capital One had the same due date. I asked what happened and why were the due dates now the same. The first credit card ending in XXXX has a due date every month on the XXXX. The second credit card ending in XXXX had a due date of the XXXX of every month. In XXXX I had two credit card payments that were due at the same time. I called the customer service phone number to ask why was this happening. The customer service representative stated that the due dates were changed. I asked to speak to a manager who was very rude and told me that Capital One sent a letter out last year. 

I did not receive any letter stating that my credit cards would have the same due date. The manager then changed one of the dates from the XXXX of the month to the XXXX which still doesn't give me time to pay on my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 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: Bridgecrest Acceptance Corporation
State: WA

Complaint narrative:
This company is reporting that I owe money to them. I have tried to fix this issue with them MANY TIMES and they decline to verify my debt to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 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: CURO Intermediate Holdings
State: TX

Complaint narrative:
On XX/XX/2020, Ad Astra Recovery Services added a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account Ad Astra Recovery Services did not verify this collection. Also, there is NO written form of communication, contact, or signature for this accused debt at all. A bill without a written signature does not validate the debt and anyone can send a bill and say it's mine. According to the FCRA, Ad Astra Recovery Services has violated my rights as a consumer. Therefore, I'm requesting legal action to remove the account effective immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I disputed the accuracy of this account on XX/XX/XXXX with Experian. Upon their investigation on XX/XX/XXXX a duplicate XXXX account popped up on my report. I called in to notify them of the duplicate account. When she checked the report she removed ome of the accounts and when she removed the duplicate account she removed the account that reported the history from XXXX up until the charge off in XX/XX/XXXX. This account that she left on here is showing a completely different payment history than the one that was reporting since XXXX. Experian refuse to fix their mistake and remove this inaccurate information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 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: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
On XX/XX/2020, Consumer Adjustment Company added a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Consumer Adjustment Company did not verify this collection. Also, there is NO written form of communication, contact, or signature for this accused debt at all. A bill without a written signature does not validate the debt and anyone can send a bill and say it's mine. According to the FCRA, Consumer Adjustment Company has violated my rights as a consumer. Therefore, I'm requesting legal action to remove the account effective immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
Radius Global Solutions contacted via letter regarding a debt to XXXX XXXX. I responded with a letter asking that they validate that debt is mine and that they had the legal right to collect on that debt. The amount of the debt was {$790.00}. I received a health insurance claim form from them on XX/XX/2020. The form does not indicate the debt is mine nor that they have the legal right to collect on that debt. However without giving me time to respond that item as well as another amount of {$500.00} that undisclosed to me was placed on my credit on XX/XX/2020. So that was 2 collections ( {$790.00} & {$500.00} ) placed on my account by the same company less than a week. Ive tried calling them so that I can quickly resolve this and I have yet to talk to someone. 

Thank you

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 2020-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Hello, I am sending this communication because my efforts to send this to you via US mail have not been successful. I have sent several letters since XX/XX/2020, hoping to see something returned. Can someone please contact me about this?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 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: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
On XX/XX/2020, Synerprise Consulting XXXX  INC added a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Synerprise Consulting did not verify this collection. Also, there is NO written form of communication, contact, or signature for this accused debt at all. A bill without a written signature does not validate the debt and anyone can send a bill and say it's mine.

According to the FCRA, Synerprise Consulting SBS INC has violated my rights as a consumer. Therefore, I'm requesting legal action to remove the account effective immediately. 
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving my permission to XXXX XXXX, for them to release my medical information to a third party. I am aware that HIPAA does allow for limited information about me, but anything more is to only be revealed with patient 's authorization. Therefore, my request is twofold validation of debt and HIPAA authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
In 2016, I applied for a XXXX  modification through Nationstar Mortgage and was required to make three trial plan payments. Nationstar misapplied my TPP, which resulted in the denial of the modification and a wrongful foreclosure action.

Company response to consumer: Closed with explanation