vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-07 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:
Someone entered a Fraudulent consumer transaction with an organization using my credit card ( as described in 15 USC 1602 ) and as a Result was extended credit in a consumer credit sale by this organization. The Organization is now Claiming that they originated the credit, that someone else Extended to them by using my personal information, in which constitutes Fraud. Pursuant to the Federal Law they have committed fraud and several violations of the FDCPA, TILA, & FCRA. They have not validated anything ; I never received a Material Disclosure of any of the information that was suppose to be provided to me. They have not been Impartial & have taken an unfair Advantage of me as a Consumer ; They should be held accountable for deceiving me and not Validating the Debt. They are Violating my Trust within the banking system and this is causing me Reluctance when doing Business with other banks & Financial institutions. They are Ruining my general Reputation and Character and should be held Accountable for Violating the law and Violating my Trust. This is causing me severe XXXX, XXXX XXXX XXXX XXXX XXXX XXXX as a result of them reporting Fraudulent information on my consumer Report. They're acting as if they are Unaware of what i am Requesting or that the Law does not Apply to them and I've included Evidence & Proof, Pursuant to Federal law with facts that prove that the Law does in fact apply to them & that they Must Adhere to them. They have disregarded the law by saying, The information I disputed has been verified accurate, which is Not Proof Of Verification or Proof of Anything. They have not Provided me with any Original Documents & They Continue to disregard the Law by failing to properly verify information and using unfair Practices With no real actual investigation ; They haven't conducted any interviews nor have they sent me Verification with Exact names & addresses of conducting Actual interviews Nor have they provided me with any Material Disclosure of any Original Documents. Their willful Disregard to Federal law and non-compliance has essentially damaged my Credit File as well as my consumer Report and Reputation.

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 2022-02-07 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: GA

Complaint narrative:
Company keeps reporting after there was closed account and agreement to remove from history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I recieved 2 different Visa debit cards from TD bank which I never have or even heard of them. I called them a few weeks ago and got their fraud XXXX. and they said they took care of it. Today I recieved checks from 2 different accounts which I did not order, as I am typing this I am waiting for them to take my call for these checks. I did not nor do I want these. I have locked all3 Credit Bureaus a month or so ago because I recieved a card from XXXX XXXX XXXX which they informed me they caught and stoped it before I did.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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: FL

Complaint narrative:
After years of never looking at my credit report, I applied for credit and was told I have an old collection item. I contacted XXXX and was told they are collecting for another company, XXXX XXXX XXXX XXXX. They said that they were collecting for an anesthesiologist but could not give me the name of the doctor. 
I was then told that I could contact the hospital records department for that information. 
The hospital records department said the item is too old and I should contact the hospital records archive department. 
It became clear the collection agency XXXX was having me do their work in trying to verify the legitimacy of debt. 
I wrote to XXXX demanding proof that I signed any document or otherwise verbally agreed to pay for an anesthesiologist that I don't recall ever meeting or using their services. I asked for a response within 30 days. 
The response came in the form of an invoice from XXXX XXXX XXXX XXXX. The invoice had my name and a dollar amount due but had no authorizing signature as I requested. 
A second demand letter was sent explaining that they clearly missed the entire purpose of my first letter. 
I asked for a complete and adequate response within 15 days. 
XXXX and XXXX XXXX XXXX services have not removed this negative item from my XXXX or Equifax credit reports. 

Now I seek your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation
State: TX

Complaint narrative:
I have not received any validation documentation from United Revenue Services. A bill is not validation, I'd like to see original documentation with my signature. I am allowed under the Health Insurance Portability and Accountability Act to protect my privacy and medical records from third parties. 
-Please provide breakdown of fees including any collection costs and medical charges. 
-Provide a copy of my signature with the provider of service to release my medical information to you. 
-Cease any credit bureau reporting until the debt has been validated by me. 
The credit bureaus that are reporting this inaccurate information has failed to send any communication in response to dispute letters that were sent asking for validation. Please remove from my credit report at once until this is investigated and the debt is proven to be mine. XXXX has failed to complete an investigation into the account in question within the 30 days allotted as per the Fair Credit Reporting Agency Section 611 ( a ) ( 1 ) ( A

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Tried calling and getting the runaround. Calls are immediately transferred to a survey when speaking with an agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
Received a call from a XXXX XXXX stating he was from capital one fraud dept. phone number was ( XXXX ) ask if I would confirm a charge to ( XXXX ) in the amount of XXXX. 
The Capital one card we had has been canceled. No one can charge on that account. He transferred me to a ( XXXX XXXX ) she was able to give me my name,, address, birthdate and SS number associated with that account. She also gave me my husbands info. She wanted to know the expiration date on our card and also ask for our debit card info used to purchase groceries. I told her she had the wrong person. The info was not right and I was giving them no information on any card I also told them I was contacting Capital one and check them out. I hung up and blocked their names on my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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: MS

Complaint narrative:
On XX/XX/XXXX please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 



XXXX XXXX XXXX is reporting the date of last activity as XX/XX/XXXX It is a violation to re-age a collection account This information is reporting inaccurately and does not match my records. You have violated 623 ( a ) ( b ) by failing to mark this account as disputed XXXX XXXX is reporting the date of last activity as XX/XX/XXXX It is a violation to re-age a collection account and This information is reporting inaccurately and does not match my records. 

XXXX XXXX This account was paid and the creditor agreed to remove it from my credit report and All dates on each bureau should be the same but why am I seeing XXXX  different date of last activity dates reported XXXX XXXX is reporting the High Credit as XXXX XXXX  is reporting XXXX and XXXX  is reporting XXXX Remove this inaccuracies on my credit report and you have failed to mark this account as disputed. XXXX XXXX and XXXX  has re-aged the XXXX and is in violation of FCRA 605C This companies has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX - XXXX Citizens Bank Chain of titles on address XXXX XXXX XXXX XXXX XXXX Pennsylvania ) Deed book 893 PG 190 XXXX and XXXX XXXX XXXX XXXX and XXXX XXXX XXXX reservations on minerals or oil and gas within this deed chain of titles. 

Deed book 893 PG 193 XXXX and XXXX XXXX XXXX XXXX and XXXX. 

No reservations for any minerals or oil and gas Book page 893 PG 194 second paragraph. 

Chain of titles to deed dated XX/XX/1954 and the record herewith. the said XXXX XXXX and XXXX XXXX, his wife conveyed all of their right, title and interest to and in the tract of the XXXX acres to the said XXXX XXXX XXXX and XXXX XXXX XXXX his wife parties of the first part herein. 
To have and to hold. 
On to their heirs and assigns .All right and title in the 39.7 go to XXXX and XXXX . Deed book 1269 PG 263 XXXX and XXXX XXXX To Consolidation coal company On book 1269 PG 264 excepting and reserving. All the minerals all the right title an interest within the XXXX acres deeded into XXXX and XXXX 's estate within this deed. 
1 ) 8.9 2 ) 1.613 3 ) 2.65. 

For chain of title reference Book 1269 page 266 second paragraph Again it references to XXXX and XXXX XXXX giving up all the right and title and interest into the tract of 39.7 acres Deed book 2331 page 046 This is a Deed of Surrender This releases the lease from XXXX XXXX XXXX XXXX and then surrenders a quick claim back to XXXX XXXX XXXX XXXX and her heirs and assigns.Deed book 1862 page 293 A Oil and Gas lease from XXXX XXXX XXXX, widow To The Peoples Natural Gas Deed book 1695 page XXXX XXXX XXXX XXXX to XXXX and XXXX XXXX Book 1695 page 146 third paragraph again so ownership goes into first-party XXXX XXXX XXXX XXXX XXXX title and interest in that 1954 deed book 893 page 190 Mortgage instrument number XXXX Now Citizens Bank XXXX XXXX and XXXX take ownership 100 % of the right title and interest and minerals, land and right of ways out of XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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: CA

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORTS I NOTICED THAT YOU ARE ALLEGING THAT THE FOLLOWING ACCOUNTS ARE NEGATIVE WITHOUT FUNISHING ANY PROOF OF VERIFICATION OF THIS DEBT OR THAT YOU FOLLOWED ALL LAWS AND REGULATIONS TO REPORT THEREFORE YOU MUST REMOVE ALL NEGATIVE AND ADVERSE REMARKS

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 2022-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
I was checking my credit report and I see there were a few late payments. This information affected all my credit history. I was paying as agreed all the time. I always responsible and taking care of all of my payments. I believe it was something wrong with the payment system maybe. I would like to ask you to remove these late payments from my credit history. I promise that I will make payments on time. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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 was checking my credit report, there are so many negative information. These information do not belong to me. Im sure that someone have my personal information.

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 2022-02-07 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:
I was checking my credit report, there are so many negative information. These information do not belong to me. Im sure that someone have my personal information.

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 2022-02-07 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
Multiple voicemails were left with various people, those voicemails included, name, DOB and Social Security number. When I called the number that was left to me, they stated they were a law firm, and that I had to take care of the debt today. If not taken care of today ( XXXX ) I would be prosecuted for three times the amount of debt. They didnt offer any time and told me they werent a debt collection agency that could be set up with any repayment plans, that it was a law firm that was given me till end of day to repay for face legal action for various fraud charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Since XX/XX/XXXX I have been sending certified letters to Capital One. I have sent them a Good will letter asking for forgiveness on Late payment from XXXX to XX/XX/XXXX. Be removed off my account and that they update it with the credit bureau because under the FCRA its no law that that requires them to report them. I was told first that they requirements was to have a hard ship. I explained my Financial hard ship at the time and they told me that it was not considered a hard ship. I also was told that per Capital one policy they dont remove anything prior to XX/XX/XXXX. I then looked up this policy and XXXX that Capital one does not have a such policy. I have also emailed the CEO XXXX XXXX and yet to get a response email. As a consumer I have been granted two credit increase with Capital one within the last year. Information is reporting inaccurate on Credit bureau. As a consumer Capital one is in violation of my rights as a consumer as well as XXXX and XXXX. Capital One need to also explain the letter that they send about There are no delinquencies reporting for the month ( s ) of XX/XX/XXXX- XX/XX/XXXX. When I have never sent them anything about these dates. Which makes me believe they are not fully reading my correspondence in regards to this complaint or certified letters I have mailed them. Which is in accurate about my account 15 U.S. Code 1637 - Open end consumer credit plans 15 U.S. Code 1638 - Transactions other than under an open end credit plan 15 U.S. Code 1666 - Correction of billing errors 15 U.S. Code 1666a - Regulation of credit reports 15 U.S. Code 1666b - Timing of payments 15 U.S Code 1681c- Requirements relating to information contained in consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
In summary : Shellpoint reported me and XXXX ( owners of a house ) to the credit agencies stating that we've missed the XXXX and XXXX payments. This is not true as Shellpoint was actually telling us to not pay until a Forbearance plan contract was put in place. 

Chronological details : - XXXX : I've called Shellpoint and was told that I should first sign the forbearance plan adjustment before making payments. I also asked if this was going to affect our credit and was told that our account was going to be " frozen '' and that we should not worry about it. 
- XXXX : XXXX XXXX was assigned as the point of contact and we've started to communicate over emails and also over the phone. 
- XXXX : The document has delays to arrive, plus I had to travel due to family emergencies, so this delayed the whole signing process, but XXXX insisted that we shouldn't worry about it. I have emails to prove this. 
- XXXX : We were able to sign the document on XXXX and also realized that our credit score was going down. XXXX reassured us again that everything was going to be ok once the document was signed and our payments were going to be reported as due to the credit bureaus. 
- XXXX : We received communication from Shellpoint stating that the negative remarks are correct and that they won't be removed. 
- XXXX : We're still trying to fix the issue with no good prospect at sight.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I noticed a few accounts and inquiries on my report that I do not recognize XXXX from XXXX XXXX XXXX inquiries from XXXX XXXX which makes no sense at all XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NE

Complaint narrative:
Naivent to took my rehabbed student loan in approximately 2008. I have paid thousands of dollars over the years and still owe money. When interest payments were suspended for everyone else, navient told me they couldnt because it was a private account. The recent call I made to collections they said I wouldnt be part of the settlement because I was public account. I would really appreciate if someone could explain whats going on. All I know is that through the years they have told me nothing, I dont ever remember even signing anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: MA

Complaint narrative:
In 2018 I was provided with a Public Service Loan Forgiveness Employment Certification Form which I submitted to the Department of Education/XXXX XXXX I was denied the forgiveness of my loans after 10 years of public service. However, I kept paying the loans. 
Now there's a lawsuit against XXXX XXXX and I need my account to be examined.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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