vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-28 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: PA

Complaint narrative:
I received a letter from XXXX Bank claiming that I applied for a LUXURY loan. I have no recollection of applying for this. XXXX needs to remove this inquiry from the Credit Report. I'm copying Transunion on this complaint. This is incredibly concerning.

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 2021-09-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
XXXX, XXXX AND XXXX CONTINUE TO REPORT CLOSED ACCOUNTS AS OPEN CREDIT DEBT WITH MONTHLY NEGATIVE ACTIVITY AS RECENT AS XX/XX/21 AS BEING LATE. THESE ACCOUNTS HAVE BEEN CLOSED FOR YEARS. Either included in my BANKRUPTCY, AGED OUT or AGING OUT. NOT ONLY ARE THEY REPORTING THESE ACCOUNTS WITH MONTHLY LATE PAYMENTS, THESE ACCOUNTS ALSO SHOW IN MULTIPLE COLLECTIONS. THIS HAS HAD A TREMENDOUS NEGATIVE IMPACT ON MY CREDIT REPORT FOR THE PAST 5-7 years. I HAVE CALLED, WRITTEN, DISPUTED AND PROVIDED DOCUMENTATION AND NOTHING HAS BEEN DONE. Every time I try to resolve the issue it gets worse! I have contacted your department multiple times. I have also contacted the various CREDIT COMPANIES and FILED DISPUTES AND NOTHING IS BEING RESOLVED. CAPITAL ONE CREDIT, XXXX AND ALL XXXX XXXX ACCOUNTS and OTHER CONTINUES TO REPORT MONTHLY WITH HAVING LATE PAYMENTS ON CLOSED ACCOUNTS THAT HAVE NO ACTIVITY OF ANY KIND BECAUSE THEY ARE CLOSED, IN ADDITION TO HAVING THE SAME ACCOUNTS IN COLLECTIONS. DOUBLE NEGATIVE REPORTING ON CLOSED ACCOUNTS. THESE ACCOUNTS HAVE BEEN CLOSED FOR 57 YEARS. THEY SHOULDNT BE REPORTING ANY ACTIVITY IF ANY KIND.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Remove All Inaccurate Information from my Credit Reports. ( Warning!!!! ) I received a copy of my credit report and found you are reporting incorrect information to the credit bureaus!! 
Under federal law, as a furnisher of information to consumer reporting agencies, you must conduct a reasonable investigation of my dispute and you must complete this investigation within 30 days of receipt of this letter. I demand that this information be investigated and either verified or removed from my report. If the information is not immediately reinvestigated and removed, I will be forced to seek legal counsel for relief through the court and file complaints with regulatory enforcement agencies including the CFPB, FTC and my state attorney general. ( You Have Been Warned!!!! ) Please send me confirmation the information has been removed from my credit files ASAP!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: CHECK INTO CASH INC.
State: LA

Complaint narrative:
Remove All Inaccurate Information from my Credit Reports. ( Warning!!!! ) I received a copy of my credit report and found you are reporting incorrect information to the credit bureaus!! 
Under federal law, as a furnisher of information to consumer reporting agencies, you must conduct a reasonable investigation of my dispute and you must complete this investigation within 30 days of receipt of this letter. I demand that this information be investigated and either verified or removed from my report. If the information is not immediately reinvestigated and removed, I will be forced to seek legal counsel for relief through the court and file complaints with regulatory enforcement agencies including the CFPB, FTC and my state attorney general. ( You Have Been Warned!!!! ) Please send me confirmation the information has been removed from my credit files ASAP!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
Remove All Inaccurate Information from my Credit Reports. ( Warning!!!! ) I received a copy of my credit report and found you are reporting incorrect information to the credit bureaus!! 
Under federal law, as a furnisher of information to consumer reporting agencies, you must conduct a reasonable investigation of my dispute and you must complete this investigation within 30 days of receipt of this letter. I demand that this information be investigated and either verified or removed from my report. If the information is not immediately reinvestigated and removed, I will be forced to seek legal counsel for relief through the court and file complaints with regulatory enforcement agencies including the CFPB, FTC and my state attorney general. ( You Have Been Warned!!!! ) Please send me confirmation the information has been removed from my credit files ASAP!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: NJ

Complaint narrative:
I am XXXX XXXX, and I am the author of this complaint. The supporting details have been accessed and then provided with my PII data, and as such, should qualify for any validation you- Equifax, may require. The hours spent- resolving this activity are traceable and recoverable. 

Because Equifax - exposed and shared my PII - data, this accuracy and its failures, are being reported - again. 

There have been greater than 5 attempts to fix this issue, and the issue remains. 

The last complaint is attached. 

The issue - 1. My Physical Home Address continues to be updated at Equifax 2. The address being an previous address, almost 4 years ago 3. I do not, and have not lived at this address in almost 4 years 4. XXXX XXXX XXXX XXXX, XXXX NJ XXXX- is not, my current address. This has been disputed to Equifax- and on numerous occasions. Inquiries/Disputes to Equifax - that latest being XX/XX/2021, have yielded no assistance or fixes 5. Equifax 's representatives have been unable to determine the source of this data - even though, there is a date stamp, and- they can see who sent what, and on what date. 

6. The impact to me as consumer - is there is then an mismatch with my true data - and fictitious data at Equifax. Access to my own credit data is prevented when it does not match 7. I have NOT caused an inquiry to EQ, with any data 8. Applications for credit - where mismatch occurs, may also be impacted 10. The Last Reported Date, for the Address in XXXX NJ- you EQ - store, is XXXX XXXX, 2021. 

11. Wholly, inaccurate My Current Address is, provided in this complaint and - is XXXX XXXX XXXX Unit XXXX Summit NJ XXXX Please stop allowing a Data Furnisher - especially when historical as I have absolutely no new debt or inquiries in the last 5 years, to update my contact information. The impact to me is devastating. Communications, and the like, validation of who I am- is impacted by this fraudulent data.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Fidelity National Financial, Inc
State: AZ

Complaint narrative:
Fraud Email asking for Wire Transfer for Closing on XXXX XXXX XXXX XXXX XXXX, AZ XXXX Home. In the Process of closing on buying a home the title company sent me an email when i called the title company they said it was not them and it was a fraud Email account. I have reached out to the FBI, FTC, XXXX, and the banks. XXXX XXXX and XXXX XXXX. XXXX XXXX  has said they can't do anything unless reached out to XXXX XXXX and XXXX XXXX says it was approved on there end. I need help solving this issue. I really need this money back, I'm supposed to be closing on my house on Thursday. 


This was the email. 

XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inbox XXXX XXXX XXXX XX/XX/2021, XXXX AM ( 4 days ago ) to me, XXXX Good Morning XXXX , Due to COVID-19, Your closing funds should be wired to our trust account today to avoid delay at closing, so that funds can clear in our account on time for closing. I will send the wire instructions once you have acknowledge the receipt of this email, I will be busy with limited access to my phone you can send me an email if you need anything else. 


Thank you! 



Sincerely, XXXX XXXX XXXX Escrow Officer/Assistant Branch Manager Fidelity National Title XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX ) XXXX Office ( XXXX ) XXXX Fax XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Radius Global Solutions LLC
State: NY

Complaint narrative:
On XX/XX/2021, I noticed a debt on my credit report being reported by Radius Global for a debt of {$100.00} in collections In an attempt to settle this debt I contacted XXXX, they made me aware that this specific debt has been sold to Radius Global Solutions. I did not authorize the sell of this account to Radius Global Solutions, I have not done any business at the address listed with this account nor do I owe Radius Global Solutions. I have since mailed via certified mail requesting proof of this debt. As of XX/XX/2021, no response has been received from Radius Global Solutions.

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 2021-09-28 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
XXXX, XXXX AND XXXX CONTINUE TO REPORT CLOSED ACCOUNTS AS OPEN CREDIT DEBT WITH MONTHLY NEGATIVE ACTIVITY AS RECENT AS XX/XX/21 AS BEING LATE. THESE ACCOUNTS HAVE BEEN CLOSED FOR YEARS. Either included in my BANKRUPTCY, AGED OUT or AGING OUT. NOT ONLY ARE THEY REPORTING THESE ACCOUNTS WITH MONTHLY LATE PAYMENTS, THESE ACCOUNTS ALSO SHOW IN MULTIPLE COLLECTIONS. THIS HAS HAD A TREMENDOUS NEGATIVE IMPACT ON MY CREDIT REPORT FOR THE PAST 5-7 years. I HAVE CALLED, WRITTEN, DISPUTED AND PROVIDED DOCUMENTATION AND NOTHING HAS BEEN DONE. Every time I try to resolve the issue it gets worse! I have contacted your department multiple times. I have also contacted the various CREDIT COMPANIES and FILED DISPUTES AND NOTHING IS BEING RESOLVED. XXXX XXXX XXXX, XXXX AND ALL SYNCHRONY BANK ACCOUNTS and OTHER CONTINUES TO REPORT MONTHLY WITH HAVING LATE PAYMENTS ON CLOSED ACCOUNTS THAT HAVE NO ACTIVITY OF ANY KIND BECAUSE THEY ARE CLOSED, IN ADDITION TO HAVING THE SAME ACCOUNTS IN COLLECTIONS. DOUBLE NEGATIVE REPORTING ON CLOSED ACCOUNTS. THESE ACCOUNTS HAVE BEEN CLOSED FOR 57 YEARS. THEY SHOULDNT BE REPORTING ANY ACTIVITY IF ANY KIND.

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 2021-09-28 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: STERLING JEWELERS, INC.
State: NJ

Complaint narrative:
XXXX, XXXX AND XXXX CONTINUE TO REPORT CLOSED ACCOUNTS AS OPEN CREDIT DEBT WITH MONTHLY NEGATIVE ACTIVITY AS RECENT AS XX/XX/21 AS BEING LATE. THESE ACCOUNTS HAVE BEEN CLOSED FOR YEARS. Either included in my BANKRUPTCY, AGED OUT or AGING OUT. NOT ONLY ARE THEY REPORTING THESE ACCOUNTS WITH MONTHLY LATE PAYMENTS, THESE ACCOUNTS ALSO SHOW IN MULTIPLE COLLECTIONS. THIS HAS HAD A TREMENDOUS NEGATIVE IMPACT ON MY CREDIT REPORT FOR THE PAST 5-7 years. I HAVE CALLED, WRITTEN, DISPUTED AND PROVIDED DOCUMENTATION AND NOTHING HAS BEEN DONE. Every time I try to resolve the issue it gets worse! I have contacted your department multiple times. I have also contacted the various CREDIT COMPANIES and FILED DISPUTES AND NOTHING IS BEING RESOLVED. XXXX XXXX XXXX, XXXX AND ALL XXXX XXXX ACCOUNTS and OTHER CONTINUES TO REPORT MONTHLY WITH HAVING LATE PAYMENTS ON CLOSED ACCOUNTS THAT HAVE NO ACTIVITY OF ANY KIND BECAUSE THEY ARE CLOSED, IN ADDITION TO HAVING THE SAME ACCOUNTS IN COLLECTIONS. DOUBLE NEGATIVE REPORTING ON CLOSED ACCOUNTS. THESE ACCOUNTS HAVE BEEN CLOSED FOR 57 YEARS. THEY SHOULDNT BE REPORTING ANY ACTIVITY IF ANY KIND.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
Remove All Inaccurate Information from my XXXX XXXX. ( Warning!!!! ) I received a copy of my credit report and found you are reporting incorrect information to the credit bureaus!! 
Under federal law, as a furnisher of information to consumer reporting agencies, you must conduct a reasonable investigation of my dispute and you must complete this investigation within 30 days of receipt of this letter. I demand that this information be investigated and either verified or removed from my report. If the information is not immediately reinvestigated and removed, I will be forced to seek legal counsel for relief through the court and file complaints with regulatory enforcement agencies including the CFPB, FTC and my state attorney general. ( You Have Been Warned!!!! ) Please send me confirmation the information has been removed from my credit files ASAP!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
on XX/XX/20 I mailed off a validation of debt letter to Portfolio Recovery Associates. They have fail to send ANY proof of validation. They are currently reporting false information to multiple credit buraus. I also have phone records of them harassing me. One of the debt collectors from their company even hung up on me when I told her the alleged debt was not mine. They have violated several right given to me by the FDPCA and FCRA. 15 USC 1692 ( f ) ( 1 ) The collection of any amount ( including any interest, fee, charge or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted law. 15 USC 1692g validation of debts. They hav failed to send me proof validating my debt in a 30 day period after notice. 15 USC 1692d Harassment and abuse ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. Protection Recovery not only harassed me several times a day with phone calls but the abuse continue with aggressive tone of voices and hanging up on me.15 USC 1692 ( d ) ( 5 ) causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse or harass any person at the called number. 15 USC 1692 ( e ) false and, misleading representation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/2021 I purchased furniture through XXXX in the amount of {$5000.00} with a guaranteed shipment date of XX/XX/2021. On XX/XX/2021 I received an email from XXXX requesting that I either approve or deny the option to cancel or approve a backorder as shipment was delayed. The new guaranteed shipment date was to be XX/XX/2021. I approved the backorder buy then decided 2 weeks later that I would prefer to shop locally for furniture since I had been sleeping on only a mattress waiting for the furniture for over a month. I called XXXX on XX/XX/2021 and they informed me that since I had approved the backorder that I would now be subject to a 15 % of the purchase price cancelation fee. At that point I decided to dispute the charge with Citi Bank, the issuer of the credit card used to pay for this transaction. As of today XX/XX/2021 the dispute had been closed in favor of the merchant, I still do not have any furniture and the XXXX website now states a guaranteed shipment date of XX/XX/2021, although I never approved it. I am exceedingly frustrated and have already filed a complaint with the XXXX XXXX XXXX. I've also purchased furniture from another retailer at this point.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-28 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: MD

Complaint narrative:
Equifax is Reporting on my credit report false and miss leading and Fraudulent Inquiry on my credit report I did not authorized all of the Inquiry Please delete off my credit report and I send in a Dispute Letter also to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: FL

Complaint narrative:
Hello I refinanced my mortgage in XX/XX/2021 and my new service provider became Home Point Financial Corporation ( a/c XXXX ). In a welcome letter Home Point encourage me to register my account online at hpfc.com where I can among other services schedule my mortgage payments. 
I did so on XXXX XXXX as my mortgage payment is due on XXXX XX/XX/2021. 
While I have no problem registering my account online, my payment capabilities were suspended, not sure why. 
Contacted Home Point on Monday XX/XX/2021, but still was denied without any particular reasons. 
Was offering to pay over the phone, but I was not comfortable to provide my financial information over unsecured phone line. 
The only option is to pay via bill pay through my bank, since I don't have any available checks to send, and since I was intended to added an additional principle payment this will cause a financial harm, not to mention I feel that Home Pint discriminate against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Trans Union is Reporting on my credit report false and miss leading and fraudulent Inquiry on my credit report I did not authorized all of the Inquiry Please delete off my credit report and I send in a Dispute Letter also to.

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 2021-09-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
My identity has been stolen. I received a court document stating I owe {$3500.00} from Mid Land Credit Company. I have knowledge of how, when or where this account came from. I am not responsible for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: GA

Complaint narrative:
I have submitted many disputes against the three major credit bureaus. Some case numbers are XXXX, XXXX, and XXXX. I haven't received any communication from either bureau. They are violating my rights, and most notably 15 U.S.C. 1692g.

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 2021-09-28 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have submitted many disputes against the three major credit bureaus. Some case numbers are XXXX, XXXX, and XXXX. I haven't received any communication from either bureau. They are violating my rights, and most notably 15 U.S.C. 1692g.

Company response to consumer: Closed with explanation