vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1995 SOC SEC # DOB ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX TODAYS DATE:XX/XX/XXXX ARS ACCOUNT RESOLUTION XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ARS ACCOUNT RESOLUTION XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1995 SOC SEC # DOB ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL 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 2020-08-05 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Weissman Attorney at Law
State: GA

Complaint narrative:
My names is XXXX XXXX and I am a resident of the state of Georgia. My mortgage servicer XXXX XXXX XXXX and I have been having accounting and servicing issues with my mortgage loan. My payoff is wrong amongst other accounting issues. I sent a QWR to XXXX XXXX  XXXX. XXXX sent me a letter back stating that XXXX XXXX XXXX. was the owner of my loan. InXX/XX/XXXX I decided to call XXXX directly to discuss my payoff. When I called XXXX XXXX they stated that they did not have my names, address or social security number in their data base. XXXX also stated that they do not own my loan or property. I called again in XX/XX/XXXX to make sure the information that was given unto me was proper and valid. In XXXX I was told the same information. XXXX does not own my loan/property ; nor does XXXX have record of my personal information within their systems. 

In XXXX a 3rd party debt collector ( Weissman P.C. ) sent me a letter stating that his firm was attempting to foreclose on my home on behalf of XXXX XXXX XXXXXXXX and XXXX XXXX. 

The Supreme Court of Georgia ( You vs. XXXX XXXX XXXX ) ruled about 6 years ago that only a secured creditor has the authority to foreclose. XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX of Georgia ruling ) states that only the secured creditor has the authority to authorize/advertise a non-judicial foreclosure in Georgia. 

I have put XXXX XXXX  XXXX and Weissman P.C. on notice that XXXX does not own the loan. However, XXXX XXXX and Weissman P.C. are still attempting to collect a debt on behalf of XXXX XXXX XXXXXXXX. These actions are illegal. This is theft. This is immoral and needs to be addressed and corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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: AR

Complaint narrative:
I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX {$18000.00} XXXX XXXX {$2600.00} USDEPED XXXX {$7100.00} XXXX XXXX {$1500.00} USDEPTED XXXX {$4300.00} USDEPED XXXX {$4000.00} XXXX XXXXXXXX {$290.00} XXXX  XXXX {$100.00} XXXX   XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} XXXX XXXX {$4000.00} XXXX XXXX {$2600.00} XXXX XXXX {$1300.00} XXXX XXXX {$2600.00} XXXX XXXX {$2600.00}

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 2020-08-05 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: AR

Complaint narrative:
I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXXXXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX {$18000.00} XXXX XXXX {$2600.00} XXXX XXXX {$7100.00} XXXX XXXX {$1500.00} USDEPTED XXXX {$4300.00} USDEPED XXXX {$4000.00} XXXX XXXX {$290.00} XXXX XXXX {$100.00} XXXX   XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} XXXX XXXX {$4000.00} XXXX XXXX {$2600.00} XXXX XXXX {$1300.00} XXXX XXXX {$2600.00} XXXX XXXX {$2600.00}

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 2020-08-05 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: TN

Complaint narrative:
Portfolio Recovery Associates continues to call my phone and my husband 's phone for an old credit card debt which belonged to his deceased father. The first time they called, I was very patient - I gave the last 4 of my husband 's social - which of course - did not match the account they were trying to collect. They also had the wrong birthday because it isn't my husband 's debt. 

The first caller then tried to switch gears - telling us even though the debt wasn't ours and the man it belonged to was no longer alive - we owed it because we are " next-of-kin. '' I had to laugh at that one and  tell him that he was flat out lying to us and to take our numbers off his list. Then a week later someone identifiing herself as XXXX XXXX called again with the same speech.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-05 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: AR

Complaint narrative:
I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. XXXX XXXX XXXX {$28000.00} XXXX XXXX   XXXX {$220.00}

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 2020-08-05 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: AR

Complaint narrative:
I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. XXXX XXXX XXXX {$28000.00} XXXX XXXX   XXXX {$220.00}

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 2020-08-05 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: AR

Complaint narrative:
I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXXXXXX {$18000.00} XXXX XXXX {$2600.00} USDEPED XXXX {$7100.00} XXXX XXXX {$1500.00} USDEPTED XXXX {$4300.00} USDEPED XXXX {$4000.00} XXXX XXXX {$290.00} EQUIFAXM XXXX {$100.00} XXXX   XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} XXXX XXXX {$4000.00} XXXX XXXX {$2600.00} XXXX XXXX {$1300.00} XXXX XXXX {$2600.00} XXXX XXXX {$2600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Protection Association, L.P.
State: TX

Complaint narrative:
I am being repeatedly robo-called by the Credit Protection Association " on behalf of the XXXX XXXX XXXX  XXXX. '' I do not have any outstanding debt, as I have never had ANY debt, related to the XXXX XXXX XXXX XXXXXXXX. 

I have contacted the Credit Protection Association twice, which can not find any of my idenitifying information anywhere in their records -- -including my phone number, which continues to receive automated calls daily -- -and have been advised that because they can not find me/my phone # in their system/database, they can do nothing to stop the calls. 

Therefore, I have also contacted the XXXXXXXX XXXX XXXX XXXXXXXX directly, which confirmed that the Credit Protection Association is an in-house debt collection agency, and also confirmed that I am not in their database, and do not owe any amount -- -yet, they too claim to be powerless to stop the automated calls I am receiving daily.

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 2020-08-05 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: OH

Complaint narrative:
On XX/XX/2020, I sent TransUnion a letter disputing an account ( XXXX XXXX ) listed on my report with TransUnion, I believe to be inaccurate. Based on my certified mailing tracking record number XXXX they received the letter on XX/XX/2020. It is now XX/XX/2020 and I have received no response at all. By not replying in a timely manner to my initial letter TransUnion has not only violated federal law ( FCRA ) not responding within 30 days, but has also failed to provide me with a copy of any viable evidence showing the account is being reported accurately.

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 2020-08-05 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: TX

Complaint narrative:
XXXX XXXX, XXXX XXXXXXXX XXXX  has reported incorrect account on my credit report. XXXX XXXXXXXX Account was removed but XXXX  unblocked my credit file and allowed XXXX XXXX to place the unauthorized account on my credit report as opened in my legal name. XXXX  claims they did a investigation and received signed contract from XXXX XXXX. This is not true and false information on my credit report. I have attached police report from the original accounts opened without my consent. XXXX refused to file my dispute and advised I contact CFPB. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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 2020-08-05 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: TX

Complaint narrative:
XXXX XXXX, XXXXXXXX XXXX XXXX  has reported incorrect account on my credit report. XXXX XXXXXXXX Account was removed but Experian unblocked my credit file and allowed XXXX XXXX to place the unauthorized account on my credit report as opened in my legal name. Experian claims they did a investigation and received signed contract from XXXX XXXX. This is not true and false information on my credit report. I have attached police report from the original accounts opened without my consent. Experian refused to file my dispute and advised I contact CFPB. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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 2020-08-05 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
This started about XX/XX/2020when I was tried to purchase a car. A salesman pull my credit report and score to sale me a vehicle. I was denied. I went on line to retrieve my report. I got 2 reports Equifax stated " NO SCORE '' I called them to ask them to remove the freeze, If there was one there. The representative said that she did not see one. She said " she will mail me a copy of my report and score for free ''. I received the report and score about 10 days later. XX/XX/2020,. I tried to get a loan and was denied again. I repeated the same process and was told the same " no freeze '' The representative asked me to go directly to www.equifax and I will have a 30 day free trial. Stated that anyone who I give permission will be able to see my report. I printed a copy of my report and score. aboutXX/XX/2020 I applied for a loan and was denied again after Equifax representative told me that I would have a 30 day free trial and that Anyone will be able to retrieve my report and score. I tried to pull my report just to check and report still said, " NO SCORE '', I continued to check and at the same time talking to Equifax representative to find out what was going on she was telling me that she saw no problem on her end. Stated that they had a problem about 2 years ago with a scam. She also tried to tell me that no one has been reporting about my credit. I stated that, that could not be true because I had been applying for loans every since XXXX. On the reports that I received by mail and printed. It had all updated information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CASHCALL, INC.
State: CA

Complaint narrative:
XXXX Debt does not belong to me, it was unverified, not validated and is currently reporting on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect CHAPTER XXXX BANKRUPTCY DISMISSED XXXX CHAPTER XXXX BANKRUPTCY DISMISSED XXXX XXXX XXXX XXXX {$27000.00} XXXXXXXX XXXX XXXX  XXXX {$7100.00} XXXX XXXX  XXXX {$680.00} XXXX XXXX {$320.00} XXXX XXXX XXXXXXXX {$3900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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: GA

Complaint narrative:
Requesting loan approval from XXXX XXXX XXXX XXXX XX/XX/XXXX. I pulled my Experian credit score and it was XXXX on XX/XX/XXXX. 

Received a call back from XXXX that day saying that my score from Experian was XXXX??? That can not be. My pull from Experian says XXXX. I had car loan with XXXX in XXXX got paid off ahead of time, My XXXX visa card and credit cards get paid in FULL monthly, I, m {$8000.00} away from being mortgage free on a $ XXXX house, total debt is only $ XXXX. My mortgage broker says I have an excellent rating for a credit score. She doesn't understand either. 

To get a 1.99 % i need a XXXX score or above. They denied me that rate. They want to charge me 3.99 % .interest rate. This is not right. I want it looked into and tell me how they got ii

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 2020-08-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wellsfargo placed me on forbearance without my consent. They damaged my credit twice. Never missed a payment. See attached credit screenshot.

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 2020-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: FL

Complaint narrative:
The consumer reporting information that LexisNexis shared with my insurance underwriter is incorrect. They have listed false information for example number of accounts 30 days past due, the number of open bank accounts, number accounts. I am trying to contact them to dispute but they offer no customer service. No way to get this matter fixed.

Company response to consumer: Closed with explanation