vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

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 2021-01-10 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 have no knowledge of this account according to the FCRA this item must be removed

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 2021-01-10 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: GA

Complaint narrative:
Hi I disputed 2 accounts with XXXX XXXX XXXX XXXX. I disputed this with Experian and with XXXX XXXX XXXX sometime ago and they refuse to valiadate this debt even Experian. I need to see a sign contract that I sign and promise to pay them for two loans. One loan is for XXXX and one for XXXX. They need to send me that promissory note.

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 2021-01-10 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: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
I have a credit card with Navy Federal Credit Union. I was living in the XXXX in XXXX and XXXX for Medical School so I alerted them of a temporary address change however I never received my bill at my new current address. Fast forward to today, I have 2-30 day late payments on my credit report from XXXX and XXXX. I reached out to them via a goodwill letter last year and also alerted them that I requested a temporary address change for XXXX and XXXX. Both claims were denied and they will not remove these 2-30 day late payments from XXXX and XXXX even though I never received the bill due to living in the XXXX for medical school. I have since made more than 36 on time payments ( 3 years ). I am very upset and disappointed as it is not my fault that even though I requested my temporary address change, they didnt change it nor did they send my bill to the correct address. This is unacceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 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: PA

Complaint narrative:
I NOTICED THAT THERE IS SEVERAL FRAUDULENT ACCOUNTS REPORTING ON MY PROFILE THE FOLLOWING ACCOUNTS ARE FRAUDULENT EQUIFAX : XXXX XXXX XXXX XXXX Account XXXX Date openedOct XXXX, XXXX CXXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX CR {$0.00} Account number XXXX Date opened XXXX XXXX, XXXX XXXX Account number XXXX Date opened XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 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: PA

Complaint narrative:
i have no knowledge of this account according to the FCRA this item must be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
After reviewing my latest credit report i noticed there is a company trying to collect a debt i have no knowledge of i have never signed a contract with them in person nor electronically nor any of there affiliates ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NV

Complaint narrative:
PHH is purposely throwing away my bank statements that were included with my submission for assistance. I submitted my " fully complete '' application for assistance on XX/XX/2020 via my attorney 's office. The submission contained my past three months bank statements that showed proof of my income as well as proof of rental income I receive. There were check marks to the side of these deposits on said bank statements and also a letter of explanation for each deposit showing it was for rent and income etc. PHH in the past while I was applying falsely stated I had not submitted the past 90 days bank statements. They did this on purpose in order to evade review which according to my attorney is a violation of Respa Regulation X. They continue to fraudulently state my application is incomplete most recently as last week. I am told by my attorney this is a stalling tactic some fraudulent servicers use in order to evade review.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 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: DISCOVER BANK
State: NJ

Complaint narrative:
There have been dozens of disputes I had on my account that Discover mishandled. Attached to this complaint is my most recent letter to them regarding a dispute they unjustly resolved in the merchant 's favor to show more details on how they did this. As mentioned in my statement, Discover is never seeing a dime from me for any of these transactions, and everything will be reported to the credit bureaus and whatever debt collection agency they decide to deal with. I know the CFPB is useless and doesn't do anything, but I want this on record. That is all. No response from the Discover is required. Their response would not help me anyway ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 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: OH

Complaint narrative:
I have a credit card with XXXX XXXX XXXX XXXX. I was living in the XXXX in XXXX and XXXX for XXXX XXXX  so I alerted them of a temporary address change however I never received my bill at my new current address. Fast forward to today, I have 2-30 day late payments on my credit report from XXXX and XXXX. I reached out to them via a goodwill letter last year and also alerted them that I requested a temporary address change for XXXX and XXXX. Both claims were denied and they will not remove these 2-30 day late payments from XXXX and XXXX even though I never received the bill due to living in the XXXX for XXXX XXXX. I have since made more than 36 on time payments ( 3 years ). I am very upset and disappointed as it is not my fault that even though I requested my temporary address change, they didnt change it nor did they send my bill to the correct address. This is unacceptable.

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 2021-01-10 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I have a credit card with XXXX XXXX XXXX XXXX. I was living in the XXXX in XXXX and XXXX for XXXX XXXX  so I alerted them of a temporary address change however I never received my bill at my new current address. Fast forward to today, I have 2-30 day late payments on my credit report from XXXX and XXXX. I reached out to them via a goodwill letter last year and also alerted them that I requested a temporary address change for XXXX and XXXX. Both claims were denied and they will not remove these 2-30 day late payments from XXXX and XXXX even though I never received the bill due to living in the XXXX forXX/XX/XXXX XX/XX/XXXX. I have since made more than 36 on time payments ( 3 years ). I am very upset and disappointed as it is not my fault that even though I requested my temporary address change, they didnt change it nor did they send my bill to the correct address. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have a credit card with XXXX XXXX XXXX XXXX. I was living in the XXXX in XXXX and XXXX for XXXX XXXX so I alerted them of a temporary address change however I never received my bill at my new current address. Fast forward to today, I have 2-30 day late payments on my credit report from XXXX and XXXX. I reached out to them via a goodwill letter last year and also alerted them that I requested a temporary address change for XXXX and XXXX. Both claims were denied and they will not remove these 2-30 day late payments from XXXX and XXXX even though I never received the bill due to living in the XXXX for XXXX XXXX. I have since made more than 36 on time payments ( 3 years ). I am very upset and disappointed as it is not my fault that even though I requested my temporary address change, they didnt change it nor did they send my bill to the correct address. This is unacceptable.

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 2021-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was wrongfully " Denied '' a new credit card because of some " negative '' entry on my " Experian '' credit report about 10 calendar days ago. 
This past Friday, I contacted " Experian '' to ask them to mail me my " FREE '' copy of my " Experian '' credit report for the above noted reason and " Experian '' told me " No. ''

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 2021-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7100.00} -This is not my account.

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 2021-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: NV

Complaint narrative:
i set up an automatic payment with uwm for my new mortgage, i got an email confirmation, the auto pay was successfully approved. 
i never got any other notification in this matter. 
i left for a 3 weeks vacation, when i came back i went over my account and noticed the mortgage was not deducted, i called uwm and told them that, they charged me the same say and told me not sure what happened in the auto pay but since it is less then 30 days its ok and will not affect my credit and i have nothing to worry about. a few weeks later my credit dropped 70 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: MD

Complaint narrative:
On XX/XX/2020, I sent a letter to the credit Bureaus regarding inaccurate and unknown information reporting on my consumer report. I am deeply frustrated at this point because its been over 60 days and I feel like I am being ignored and taking advantage of without fair investigation to ensure I have 100 % accuracy of information reporting on my consumer report. They're in violation of FCRA, I have not signed a contract or written agreement giving permission to credit reporting agencies to furnish any data to anyone which is infringing on my right to privacy. I demand these accounts to be removed immediately. 

The Fair Credit Reporting Act, 15 U.S.C. 1681a sec.604a Any consumer reporting agency may furnish a consumer report in accordance with written instructions of the consumer to whom it relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
After reviewing my credit report, I have an inaccurate item on my credit report. I have noticed that account ( Credit acceptance ) is reporting 21 late/missed payments with a balance of {$4800.00} but the account is paid in full of a {$0.00} balance as of XX/XX/XXXX. The account is not reporting accurately, and I ask that this account also be removed from my credit report immediately. I contacted credit acceptance but I was told that the payment just reached them and it will be u til XX/XX/XXXX, that itll show paid.

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 2021-01-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc.
State: OH

Complaint narrative:
I was purchasing a car in XX/XX/XXXX and was told that my credit reports returned a debt collector notification. When I pulled the credit through my current bank a few weeks later a medical debt was reported and I filed a dispute through XXXX. The dipute listed that the CBE Group Inc tried to contact me 3 times, however I was unaware and the dispute came back unspecified. I followed up with a phone call to XXXX  where no one could explain the debt and I was told to contact the collector. On XXXX XXXX I was arrive to work to find my paystub had already garnished my wages for this debt at the amount of {$460.00} a month. The employer had been notified on XXXX XXXX XXXX and I was not notified until XXXX XXXX upon my discovery. When I received the paperwork for the garnishment from my employer I contacted CBE group regarding the debt to complain about the garnishment with no court order and the only information I received was it was medical debt from XXXX but no details other than {$5400.00}. They are no longer communicating and Im being bankrupted by this issue without the ability to exercise my right in court nor being explained the debts. I have supplied paperwork showing that my XXXX benefits ended in XXXX and I have carried private insurance through my said/current employers. I believe they are wrongfully placing the garnishment and the destroying my credit for an old debt or a debt that can not be explained.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: NJ

Complaint narrative:
2 Charges from XXXX XXXX totaling {$1300.00} and 1 Account XXXX XXXX XXXX which are not my accounts Are reporting on my credit report I am in the process of getting a Mortgage and such information is holding me back from obtaining the proper funding

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
After reviewing my latest credit report i noticed there is a company trying to collect a debt i have no knowledge of i have never signed a contract with them in person nor electronically nor any of there affiliates ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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:
Hi XXXX has a negative debt on my credit and I never lived at that address, I have contact the Apartment complex company and they could not find me I need this negative info off my credit so I can go on with my life I need the sign lease with my signature and me agreeing to pay whoever lived at XXXX XXXX in XXXX. Debt XXXX The company XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
After reviewing my latest credit report i noticed there is a company trying to collect a debt i have no knowledge of i have never signed a contract with them in person nor electronically nor any of there affiliates ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: TN

Complaint narrative:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.

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