vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: FIRSTBANK PUERTO RICO
State: IL

Complaint narrative:
To finalize the closing of the sale of my house, my real estate agent requested ( she went personally and paid the fee ) my bank First Mortgage ( First Bank Puerto Rico ) for a Cancellation balance letter on XX/XX/2020. I also request it sending a letter by email on XX/XX/2020 and on the Bank Digital Banking Platform on XX/XX/2020. Today XX/XX/2020 we have not received it yet. Both my agent and I have called and carried out all procedures according to the procedures, rules and requirements of First Mortgage PR, and we have only been told that we have to wait. I never had a single delay in my payments, I have always been responsible and trusted that it was reciprocal, but no. Some other papers are about to expire, and the buyer can change her mind and walk away.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
I never had a record with these authorities/leasers. I attempted to get in touch with them a few times and request verification of possession however they neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
In XXXX of 2020 Synchrony Bank closed my credit card account. One payment was returned by my bank due to an error on my part. I had left the automatic payment function set to pay off my balance in full. Due to reduced work hours because of the COVID pandemic, my cash flow was reduced. However, I still paid more the minimum due within days of realizing my mistake and I had not missed a payment before. I tried explaining this in a letter to the bank, but I have not heard back from them. I believe I am credit worthy and my account should be re-opened.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: VA

Complaint narrative:
I don't recall that I had a record with these authorities/loan bosses. I've requested on various occasions to send verification from proprietorship however they haven't agreed to my solicitation yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jon Barry and Associates, Inc.
State: VA

Complaint narrative:
I have no record of this account that ever belonged to me with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied to my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 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: FIRST NATIONAL BANK OF OMAHA
State: MA

Complaint narrative:
A fraudulent charge of {$120.00} appeared on my account, so I called to report it and had them close the account. Weeks later I am being billed for the fraudulent charge with threats of interest being added if not 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 2020-12-24 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: PA

Complaint narrative:
This is my third attempt disputing with XXXX Transunion and XXXX. They continue to violate my right. They continue to violate my rights by including inaccurate, fraudulent accounts that do not belong to me. These accounts were opened in my name without my consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
This account had no record that ever belonged to me with these authorities/leasers. I tried to contact them several times and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I do not have a record of this account that ever belonged to me. I've requested on various occasions to send verification from proprietorship however they haven't agreed to my solicitation yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 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:
Hello. For some time now, I have been going back and forth with Transunion, XXXX  and XXXX  about INACCURATE information that has been reported to my credit reports. Per FCRA they are required by law to report accurate information 100 %, at all times. I also believe a proper " INVESTIGATE '' was not performed. 

The payment history on each report from XXXX XXXX which uploads the report from each credit bureau, reflects different. How can I be 30 days late, 60 days late AND CURRENT on the same date on XXXX of XXXX? That is NOT possible. How can I be 60 days late, 90 days late AND current on the same day according to XX/XX/XXXX? You see where I am going? But again, per each credit bureau 's special comment description, the dispute was resolved and accurate. 

When an investigation is completed, the " date last activity '' should reflect when the investigation is complete but these errors occurred prior to the dates that are reported on the each credit report which is XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Ally financial has the obligation to report the SAME INFORMATION to all 3 bureaus, I believe through a system called EOscar, so again, how is it possible that each bureau was showing an incorrect payment history date? 

Please DO NOT say it has not been updated yet because the last report date reflects XX/XX/XXXX. 

I want Transunion, XXXX and XXXX  to delete XXXX XXXX  account # XXXXfrom my credit profile immediately because it was not being reported accurate AND I was denied the opportunity to purchase a home which has greatly interfered with my livelihood They can not go back and " update '' any of this information. I want this account deleted asap please. Thank You.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R & B Corporation of Virginia
State: AL

Complaint narrative:
Dear CFPB, It is troubling to have to send this email after repeated calls to multiple offices, including the hospital, collections and the insurance company to correct this issue. On today, XX/XX/XXXX, I received an XXXX  report alert that Credit Control Corporation had added a delinquent account to my report. The bill has XXXX XXXX  XXXX XXXX as the creditor ( EDP # : XXXX ). 

This collections misinformation has caused my credit to plummet by over 100 points in the midst of me closing on a house on XX/XX/XXXX. I need this to be removed from my credit immediately, because XXXX previously told me in XX/XX/XXXX that they were going to write off the debt, because it wasnt my fault that the bill was sent to the insurance company after their agreed date. 

Please see the attached bills that I received from XXXX XXXX XXXX  XXXX XXXX for my son, XXXX XXXX XXXX, on XX/XX/XXXX XXXX date of service ). The first bill was from XXXX XXXX XXXX XXXX, XXXX in the amount of {$970.00} ( Account Number : XXXX ). XXXX XXXX XXXX XXXX informed me that they received the bill on XX/XX/XXXX, issued and mailed a check on XX/XX/XXXX and XXXX cashed the check in XX/XX/XXXX. 

We relocated at the end of XX/XX/XXXX. In XX/XX/XXXX or XX/XX/XXXX, another bill arrived from XXXX. This was for {$1100.00} XXXX Account # XXXX XXXX ). I called XXXX to inform them that the bill had already been paid. They told me this was a different bill from the hospital and the one that had been paid was for the provider who cared for my son. By name having worked closely with medical billing when XXXX had XXXX XXXX XXXX a few years ago, I was aware of the processes with the insurance company, because they informed me of the number of days a bill must be submitted within. XXXX asked for XXXX to send evidence that they had submitted this subsequent bill. 

I am very disappointed that it is the holidays and my over XXXX credit score is now diminished with this error beyond my control. It is unfathomable that this puts my home purchase for me and my family in jeopardy of not happening. I need this to be resolved as soon as possible. 


Sincerely, XXXX XXXX XXXX, XXXX. 
( XXXX ) XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 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: PA

Complaint narrative:
This is my third attempt disputing with Equifax, XXXX and XXXX. They continue to violate my right. They continue to violate my rights by including inaccurate, fraudulent accounts that do not belong to me. These accounts were opened in my name without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 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: PA

Complaint narrative:
This is my third attempt disputing with XXXX, XXXX and Experian. They continue to violate my right. They continue to violate my rights by including inaccurate, fraudulent accounts that do not belong to me. These accounts were opened in my name without my consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Byrider Franchising, LLC
State: VA

Complaint narrative:
I have no recollection of ever belonging to me with these collectors/creditors. I have asked to submit proprietorship verification on numerous occasions, but they have not yet agreed to my proposal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I never had a record with these authorities/leasers. I attempted to get in touch with them a few times and request verification of possession however they neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
XXXX XXXX showing that I have an activity for credit card balance increase, where I do not have such BARCLAYS BANK DELAWARE credit card, and the balance showed {$13000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 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: IL

Complaint narrative:
I have contacted TransUnion countless times. TransUnion is not unaware of the fact that it is reporting inaccurate information on my credit report. I have called and used every possible online dispute method it has allowed me. I have disputed this false collection claim on my credit report multiple times. At times, TransUnion even agreed to remove it, and then placed the exact same fraudulent collection back onto my credit report that I disputed and had removed. 

Then, for months, TransUnion gaslighted me and blocked me from being able to dispute anything on my credit report. It's representatives played games sending me back and forth saying that I needed to contact a different department, then a different department, and then the department that told me I needed to contact a different department. Eventually, I was able to get a representative to remove what they referred to as an " error code. '' There is no error here ; there never was an error. 

This is and has always been willful circumvention of correcting my TransUnion credit report. None of my other credit bureaus kept this fraudulent collection on my report once I notified them. It seems like TransUnion has a relationship with this fraudulent collection agency and intends to gaslight me until the end of time. I have filed a number of complaints with CFPB on TransUnion, and nothing ever seems to happen. 

TransUnion is itself actively participating in this fraud. As you can see from the documents that I attached, TransUnion is sending out different reports than the report it is providing to me for dispute filing purposes. The version of my credit report that TransUnion sends for credit checks contains the fraudulent collection claim, but the version of my credit report that TransUnion provides me with to dispute items does not list any collections whatsoever because TransUnion knows that there should not be any on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-24 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$200.00}. 
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. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- AUTO ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- OTHER ACCOUNT 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$200.00} -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 2020-12-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I checked my credit report and noticed bank of america have placed a hard inquiry on my profile and I never applied for any type of account or credit card with them I have no knowledge of this inquiry

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have no record of this account that ever belonged to me with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 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 {$0.00}, {$0.00}, {$200.00}. 
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. 

-- CLOSED ACCOUNT 1. XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- AUTO ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- OTHER ACCOUNT 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$200.00} -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 2020-12-24 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: DISCOVER BANK
State: WI

Complaint narrative:
I checked my credit report and noticed discover bank have placed a hard inquiry on my profile and I never applied for any type of account or credit card with them I have no knowledge of this inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 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: NV

Complaint narrative:
On several occasions, I submitted disputes : online, in writing and via telephone calls to all three credit bureau 's to correct my Legal name to XXXX XXXX XXXX. XX/XX/XXXX and XX/XX/XXXX have corrected my Legal name, as well as Equifax, at one point, but as of XX/XX/2020, my Legal name is reflection incorrectly. My legal name is XXXX XXXX XXXX. 

( The incorrect name of XXXX XXXX XXXX, jr. ) must be deleted ASAP, as it is preventing me from obtaining additional credit and employment. 
The attached documents show that in XX/XX/2020, my name was updated after submitting four previous disputes and after submitting a complaint with CFPB. The attached documents also, reflect the incorrect name of XXXX XXXX XXXX XXXX, in a XX/XX/2020 credit report. Once again, my Legal name is : XXXX XXXX XXXX and this is the only name that should be reflecting on credit reports and on my credit profile. This needs to be corrected ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 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 credit inquiries and accounts that I am unaware of. I wrote Transunion, XX/XX/XXXX and XX/XX/XXXX over 45 days with no response. I have attached a copy of the incorrect information and identify theft letter. 

Please help. Thanks.

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