vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-13 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: LA

Complaint narrative:
I have tried to contact XXXX and TransUnion on multiple occasions I was reviewing my credit report recently and noticed hard inquires that I have no knowledge of and did not authorize, I've contacted each beareu at least twice weekly and they refuse to remove them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 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: TX

Complaint narrative:
I have contacted collection agencies on my credit file that have failed to provide information validating these accounts listed on my credit file. I have also disputed with Equifax yet Equifax still continues to report accounts that can not be validated. It is my understanding that a company must provide legal proof bearing contracts and agreements that I have done business with them and none of these collection companies have done so.Matter of fact the companies couldn't even provide a computerized statement like most of them do. Equifax is violating the law by continuing to report these inaccurate fraudulent accounts. Equifax is even reporting the same accounts twice which I know for a fact is in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I received a phone call from this LVNV Funding LLC company saying that I owed them {$590.00}. And then they erroneously reported the debt to all credit reporting agencies negatively impacting my credit scores. Circumventing all my previous efforts to raise my credit scores. Destroying my score gains dropping my rising scores to the 400 's  from the mid 600 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I clearly asked ic systems if they report to my credit as this loan has not been on my credit since XX/XX/XXXX. 

I was advise they IC systems does not report to credit. 

I clearly stated I am willing to work with this month if they do not report to credit. If they die I can not work with them until XXXX. 

The rep stated IC systems does no report to credit as they legally do not own my debt. 

Following this I was advise if I did not make a payment this month my loan would become a lawsuits against me. 

I just started a new job and can not afford anything until XXXX. They pushed me into a payment this month. 


I find it unlawful and misrepresentation as I was told they legally can not report to my credit due to not owning my loan. As of XX/XX/XXXX my credit went down 18 points as they did in fact report to my credit. 

I read reviews today XX/XX/XXXX that show other people were mislead as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 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: PA

Complaint narrative:
had an account showing on my credit report that was showing open when it should not have been and it was affecting my credit report negatively with a XXXX balance I disputed this and disputed it again and it's still has not been settled and is being again reinvestigated hi either the credit reporting entity or the account entity itself I also have the same exact legal name for the past eight and a half years now as another woman who is very very close to me and I have found to be linked to her in many ways before and we are not the same person but my information has been linked by same exact legal name even though it is not me but it is impossible to differentiate between the two of us this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 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: DISCOVER BANK
State: MN

Complaint narrative:
Please see attached letter from Discover Bank, dated XXXX. This item should have been removed from my XXXX, XXXX XXXX and XXXX credit report. I/XXXX contacted Discover bank by phone questing why hasn't Discover sent over the correct information based on the issuance of 1099-C form. I have already paid via tax form 1099-c in 2017. The should balance should be at XXXX and removed from all 3 credit report companies. 
. 
I'm getting penalize twice. There has not been any updates sent to 3 reporting agency. the balance still there.. please update and remove based on 1099-c form. 


Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Please see attached letter from XXXX XXXX, dated XX/XX/2017. This item should have been removed from my XXXX, Tran Union and XXXX credit report. I/XXXX contacted XXXX XXXX by phone questing why hasn't XXXX sent over the correct information based on the issuance of 1099-C form. I have already paid via tax form 1099-c in 2017. The should balance should be at XXXX and removed from all 3 credit report companies. 
. 
I'm getting penalize twice. There has not been any updates sent to 3 reporting agency. the balance still there.. please update and remove based on 1099-c form. 


Thank you, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 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: EQUIFAX, INC.
State: MN

Complaint narrative:
Please see attached letter from XXXX XXXX, dated XXXX. This item should have been removed from my XXXX, XXXX XXXX and Equifax credit report. I/XXXX contacted XXXX XXXX by phone questing why hasn't XXXX sent over the correct information based on the issuance of 1099-C form. I have already paid via tax form 1099-c in 2017. The should balance should be at zero and removed from all 3 credit report companies. 
. 
I'm getting penalize twice. There has not been any updates sent to 3 reporting agency. the balance still there.. please update and remove based on 1099-c form. 


Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 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: MN

Complaint narrative:
Please see attached letter from XXXX XXXX, dated XXXX. This item should have been removed from my Experian, XXXX XXXX and XXXX credit report. I/Experiian  contacted XXXX XXXX by phone questing why hasn't XXXX sent over the correct information based on the issuance of 1099-C form. I have already paid via tax form 1099-c in 2017. The should balance should be at XXXX and removed from all 3 credit report companies. 
. 
I'm getting penalize twice. There has not been any updates sent to 3 reporting agency. the balance still there.. please update and remove based on 1099-c form. 


Thank you, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is not my account please remove it. I have already filed and requested to be taken down previously and it was removed and sold to XXXX  XXXX XXXX. and has new account number with different amount ... ... remove it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-13 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: MO

Complaint narrative:
This account do not belong to me nor do I owe this known as XXXX XXXX XXXX, therefore I'm demanding that this account be removed/ blocked from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 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: MO

Complaint narrative:
This account do not belong to me nor do I owe this known as XXXX XXXX XXXX, therefore I'm demanding that this account be removed/ blocked from my credit file immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-13 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: MO

Complaint narrative:
This account do not belong to me nor do I owe this known as LVNV Funding LLC, therefore I'm demanding that this account be removed/ blocked from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is not my account please remove it. I have already filed and requested to be taken down previously and it was removed and sold to XXXX XXXX XXXX. and has new account number with different amount ... ... remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is not my account please remove it. I have already filed and requested to be taken down previously and it was removed and sold to XXXX  XXXX XXXX. and has new account number with different amount ... ... remove it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ

Complaint narrative:
On XX/XX/2019, I received a credit card I applied for from HSBC Bank. I was approved for {$4000.00} on the card. 

On XX/XX/2019, I tried to use the card to pay for repairs to my car and it was declined. I called the 800 number on the back of my card and after a 45 minute wait on hold, I got a gentleman who said the bank put a hold on the card. When I asked why, he didn't know. I asked to speak to a supervisor and again I was put on hold for close to an hour. I finally got to speak to a supervisor who said the bank put a hold on the card because I didn't send them the information they needed. When I asked what info they needed, I was told they needed proof of address and an ID. Told them I never received any request for info from them. When I activated the card they said I was free to use it, only I couldn't. 

Told the supervisor when I got home I would fax the info to her, which I did, and she said she would call me the next day at XXXX : XXXX ( Thursday, XX/XX/2019. ) after she let the bank know I had sent what they requested. I never heard a word from her or the bank. 

After I sent a proof of address, I got to thinking that they had proof of my address, they sent the credit card to that address and I activated said credit card. I also sent them a copy of my drivers license which concerns me now. 

I called the 800 number on the back of the card on XX/XX/2019, when I was not called back and was again on hold for 30 minutes. The person who answered the phone knew nothing of what was going on, so I had to tell him the whole story again. He said give me the pin number which was sent with the card. I read the number to him off of the paper they sent me. He stated that number was incorrect. I told him the number was the one they sent me. He said he would then text me a code and I was to give it to him. I read the code that he texted and he said it was wrong. Said he would resend another code. I read that code to him and he said it was wrong and he could no longer help me and he hung up. 

I got on XXXX and looked up HSBC Bank and there were numerous complaints about them and a lot of people had gone through what I had. I am beginning to think this is some kind of a scam. 

I DO NOT WANT THE CARD. I would like it closed and my credit report to be expunged of their inquiry. I don't want anything from them on my credit report, I am praying that they do not use the copy of my drivers license for anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: HI

Complaint narrative:
I have completed my XXXX. I am now the sole owner of the home. I have a new legal name. I mailed all requested name change documentation to PHH MORTGAGE SERVICES on XXXX XXXX, 2019. They confirmed receipt. I've written emails and called to no avail. They continually put me off and have not changed to my legal name. It is important to have my legal name on all documentation for my home. OCWEN changed their name but are still an establishment that refuse to follow the United States laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 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:
I have over 20 fraudulent hard inquiries to my Transunion report. They have given me no path to removing, or disputing the disturbingly high number of fraudulent inquiries. I have made multiple contacts to the beaurau and they have given me no assistance. It was simple for me to fix with XXXX and XXXX, this is why I know something is wrong. I'm a fraud victim and now being further harmed by Transunion 's choice to not help. I believe that they are trying to force me into buying one of their products in order for me to remove the fraudulent inquiries. I feel they are trying to extort money from me, in this way to correct my 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 2019-09-13 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I am requsting copies of all documentation used to make decision, I provided a copy of my passport that did show I was not present when the charges occurred. I never said I was too old to travel and the evidence that Chase used to claim I traveled shows that I had not left the country ( copy of my passport ) and that I was in XXXX in XXXX and not XXXX Chase violated both Regulation Z and TILA by not providing documentation requested in mine of XXXX XXXX, 2019, specifically providing documentation that shows I was in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 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: Halsted Financial Services, LLC.
State: NV

Complaint narrative:
On XX/XX/2019 a letter was sent to the original creditor XXXX XXXX XXXX, to validate the alleged debt they claim I owe them. The original creditor XXXX XXXX XXXX, sent a letter back to me, dated XX/XX/2019 stating that the ownership of this debt was transferred to XXXX XXXX XXXX. XXXX XXXX XXXX was also sent a validation letter on XX/XX/2019 since they are reporting the debt as well but they never responded to my request for validation. 

On XX/XX/2019, I sent another letter to XXXX XXXX XXXX, advising them that the letter they sent was NOT validation of debt, as I have requested, since they are the original creditor. One XX/XX/2019, XXXX XXXX XXXX responded, stating they " addressed the request in a previous communication '' and they were under NO further obligation to provide any additional information and WILL NOT address duplicate inquires in the future ''. The issue will this is that as a consumer, I have the right to ask for validation of the alleged debt that the ORIGINAL creditor is reporting to my credit report, to ensure that the debt is mine and / or reporting correctly etc. Im not understanding how XXXX XXXX XXXX addressed my inquiry in a previous communication? 
What was stated is that they no longer have the debt, however as a financial institution those records should be readily available and to tell a consumer that they will NO linger respond to duplicate inquiries is ludicrous and asinine. 

XXXX XXXX XXXX, obviously CAN not provide the required verification of debt according to FDCP. 

Also, I received a letter from Hasted Financial Services stating that they are the beneficiary of the debt now, however XXXX XXXX XXXX is stating that XXXX XXXX owns the debt AND not to mention XXXX XXXX XXXX is reporting this erroneous information to my credit report but they don't even own this debt!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 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: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
On XX/XX/2019 a letter was sent to the original creditor XXXX XXXX XXXX, to validate the alleged debt they claim I owe them. The original creditor XXXX XXXX XXXX, sent a letter back to me, dated XX/XX/2019 stating that the ownership of this debt was transferred to LVNV FUNDING LLC. LVNV FUNDING LLC was also sent a validation letter on XX/XX/2019 since they are reporting the debt as well but they never responded to my request for validation. 

On XX/XX/2019, I sent another letter to XXXX XXXX XXXX, advising them that the letter they sent was NOT validation of debt, as I have requested, since they are the original creditor. One XX/XX/2019, XXXX  XXXX XXXX  responded, stating they " addressed the request in a previous communication '' and they were under NO further obligation to provide any additional information and WILL NOT address duplicate inquires in the future ''. The issue will this is that as a consumer, I have the right to ask for validation of the alleged debt that the ORIGINAL creditor is reporting to my credit report, to ensure that the debt is mine and / or reporting correctly etc. Im not understanding how XXXX XXXX XXXX  addressed my inquiry in a previous communication? 
What was stated is that they no longer have the debt, however as a financial institution those records should be readily available and to tell a consumer that they will NO linger respond to duplicate inquiries is ludicrous and asinine. 

XXXX XXXX XXXX, obviously CAN not provide the required verification of debt according to FDCP. 

Also, I received a letter from XXXX XXXX XXXX stating that they are the beneficiary of the debt now, however XXXX XXXX XXXX is stating that LVNV Funding owns the debt AND not to mention LVNV Funding LLC is reporting this erroneous information to my credit report but they don't even own this debt!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Victoria secret {$1000.00} we havent not used this card since XXXX as it got lost with everything in my wallet and due to personal problems and spouse XXXX  XXXX XXXX  in his XXXX had to stop working is currently dealing with a lawsuit as they dont want to give him his XXXX XXXX so at the moment we have no steady income. We are very worried about this amount increasing and hoping you can help in any way possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Information Bureau, Inc.
State: FL

Complaint narrative:
On or around XX/XX/2019 Doctors Business Bureau took adverse action and placed a collection account on my credit file ( s ) ( XXXX ) without providing me with notice or allowing me to dispute the debt which adversely impacted my credit rating. This resulted in financial harm, as well as emotional distress and mental anguish.

Company response to consumer: Closed with explanation