vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-17 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: TX

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: NJ

Complaint narrative:
On CashApp, someone sent themselves {$160.00} dollars with my debit card. They stole XXXX dollars from me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I need to file a complaint against Citi card. I applied for a credit card with Sears MasterCard which is part of Citi card I was denied. I have highly excellent credit. The company denied me. I either need to be approved and for the card to be honored in the promotion or for the inquiry to be removed from my credit report. This company has been sending me multiple pre-approval letter. I understand that pre-approval means nothing much however I have highly excellent credit a high score in zero missed payments. There was no reason to deny me and cause a hard inquiry on my credit for no reason when I have very excellent credit

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 2019-12-17 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: TX

Complaint narrative:
XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.

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 2019-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: CA

Complaint narrative:
I asked for XXXX And XXXX  to do an independent investigation and they didn't. Because of this, I have re-sent my previous dispute letter with the one that was mailed out mid of the year and I need for this to remove or delete per my original request. These do not comply with FCRA regulations. 
I need to see the paperwork that shows how these were investigated. I also need to see where this information originated from because I've provided direct facts from the credit report. These facts can not be refuted! How can they state that they are accurate when I've clearly pointed out exactly why they can not report? 

XXXX I need to see the proof that I was ever late or this needs to be updated XXXX this is still reporting with an inaccurate court name and this is now in violation of section 1681, 609 and 603.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 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: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-17 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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2019-12-17 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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2019-12-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: OR

Complaint narrative:
I ended my XXXX  service in XX/XX/XXXX. In XX/XX/XXXX, XXXX  sent me to XXXX XXXX   XXXX  for collection of my account balance. I settled this account for 50% of the amount owed on XX/XX/XXXX, approximately $XXXX. XXXX   paid the money to XXXX, and discharged the account back to them on XX/XX/XXXXOn XX/XX/XXXX, I received a notice my credit score had dropped 20 points due to a collection by AFNI being placed on my credit.I was NEVER BILLED BY AFNI. I called AFNI on XX/XX/XXXX and pointed this out, they said it was for the same XXXX  account and bill.  I explained this account was settled in XX/XX/XXXX, the remaining balance was the 50% written off by the settlement. They didn’t care that they posted to my credit without billing me and told me to resolve it myself.  After hours on the phone with XXXX, and XXXX XXXX XXXX, XXXX  said they had no record of my settlement (even though they had the payment and claimed I made it on the automated system), or ever sending me to XXXX, and told me the only way to resolve this was to PAY THE REMAINDER of my bill. I got proof of settlement from XXXX, and called AFNI again, today, XX/XX/XXXX, and spoke to XXXX, who spoke to his Supervisor XXXX, who confirmed AFNI never billed me to give me a chance to resolve this, before hitting my credit and dropping my score 20 points! This call; AFNI acknowledged this violation, and said they would fix it immediately and remove it from my credit.However, XXXX  continues to state they only ever sent me to AFNI, and said I would need to mail in a dispute.    XXXX  continues to claim no record of sending me to XXXX  and basically called me a liar. XXXX  claims they sent them the settlement information on XX/XX/XXXX, and XX/XX/XXXX. I am XXXX  and don’t have a printer, nor am I able to get to the post office, I asked for an alternative way to get this info to XXXX and was refused any alternate communication to accommodate my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 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: TX

Complaint narrative:
XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove  this however, I have not been successful.

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 2019-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I asked for TransUnion And XXXX  to do an independent investigation and they didn't. Because of this, I have re-sent my previous dispute letter with the one that was mailed out mid of the year and I need for this to remove or delete per my original request. These do not comply with FCRA regulations. 
I need to see the paperwork that shows how these were investigated. I also need to see where this information originated from because I've provided direct facts from the credit report. These facts can not be refuted! How can they state that they are accurate when I've clearly pointed out exactly why they can not report? 

XXXX I need to see the proof that I was ever late or this needs to be updated XXXX this is still reporting with an inaccurate court name and this is now in violation of section 1681, 609 and 603.

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 2019-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I asked for XXXX  And Experian to do an independent investigation and they didn't. Because of this, I have re-sent my previous dispute letter with the one that was mailed out mid of the year and I need for this to remove or delete per my original request. These do not comply with FCRA regulations. 
I need to see the paperwork that shows how these were investigated. I also need to see where this information originated from because I've provided direct facts from the credit report. These facts can not be refuted! How can they state that they are accurate when I've clearly pointed out exactly why they can not report? 

XXXX I need to see the proof that I was ever late or this needs to be updated XXXX this is still reporting with an inaccurate court name and this is now in violation of section 1681, 609 and 603.

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 2019-12-17 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: TX

Complaint narrative:
Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 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: TX

Complaint narrative:
XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.

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 2019-12-17 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
XXXX XXXX has violated the FCRA by RE-AGING accounts AND reporting misinformation to credit bureaus which affected my credit scores, my financial life and my family 's life for over 2 years now. 

Below are the inaccuracies which I have complained to credit bureaus about as well as XXXX and no one is taking this matter seriously. I have requested multiple times for them to prove this debt belongs to me and to correct my report and all I get is avoidance. 

Please see my credit reports as well as the items I have addressed with them below. 

XXXX XXXX XXXXYou are reporting that this account is a Charge Off and that there is a Balance and Past due amount of {$17000.00}? It can not be both. You are reporting date last active as XX/XX/XXXX and date of last payment was XXXX of XXXX. No payments have been made to this collection account ever. XXXX is showing date last active is XX/XX/XXXX and date of last payment was XX/XX/XXXX. It can not be both. This account is being RE-AGED also and is illegal. 


XXXX XXXX AGAIN, with this account you are reporting that this account is a Charge Off and a Past due amount of {$15000.00}? It can not be both! You are reporting date last active as XX/XX/XXXX and date of last payment was XXXX of XXXX. No payments have been made to this collection account ever. XXXX  is showing date last active is XX/XX/XXXX and date of last payment iss XX/XX/XXXX. It can not be both. This account is being RE-AGED also and is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: WI

Complaint narrative:
CBE Group keeps calling saying they are calling pertaining to a personal matter and want me to confirm the last four digits of my social. I refuse because i don't know why they are calling and they won't tell me until i confirm my social. I haven't received a letter from them and will not provide my info over the phone because i don't know if this is scam. I do not owe anyone so i believe this is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC
State: LA

Complaint narrative:
This company calls multiple times a day, from several different numbers. Calls so far today, XXXX XXXX and XXXX XXXX. Yesterday, XXXX XXXX and XXXX. Friday XX/XX/XXXX, XXXX XXXX, XXXX XXXX and XXXX 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 2019-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I always make my payment online the XXXX  of the month.  This previous Sunday, I received an email saying my credit line was being reduced to my balance.  When I logged in to my account with Citi, they said my payment had not been processed.  I said this could not be possible, I routinely do the same thing every single month.  I checked XXXX XXXX  and saw an addition to my balance which terrified me since I have been working to reduce my debt and only making payments.  I called and spoke with at least 4 different Citi card managers.  They told me that my credit limit reduction had nothing to do with my supposed late payment.  This obviously cannot be true because it happened at the exact same time.  I made an immediate payment and they refunded my late fee but said they would not change my credit limit.  They were extremely unprofessional.  I have been a client since 1998 and have never had any issues with my credit with Citi.  I don’t want my credit line restored for purchases, I simply know how badly this will impact my credit score.  I have called the credit bureau prepared to defend myself and score.  They encouraged me to contact this agency to let you know what has happened and how Citi is handling my situation.

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 2019-12-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: The CBE Group, Inc.
State: UT

Complaint narrative:
MD. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX PHONE XXXX. 
My name is XXXX XXXX and I visited XXXX XXXX XXXX on XX/XX/XXXX. 
My family and I have been attending XXXX XXXX XXXX for years, and have had good service and have always paid for our tickets. 
On XX/XX/XXXX I received a notification from a collection agency, in which they inform me that I must pay them an amount of XXXX from account number XXXX. I am surprised since I never received a bill or notification about this service. 
We have always paid our bills and we take great care of our credit, I think you have to review your procedures before sending a person to a collection agency, some employee made one or more mistakes and they never sent me a bill or notification. 
I hope you find a solution to this misunderstanding. 
I am going to make a complaint and send a copy of this letter to the state and federal consumer defense agencies since I consider it unfair to damage my credit history, when I am a person who takes care of your credit and pays your bills. 
I went to the clinic and they gave the telephone number XXXX, i called then and they informed me that the address number was incorrect that they had XXXX south instead of XXXX south and that sent me the bills to wrong address, but if they send us bills for my husband XXXX XXXX and my son XXXX XXXX, i paid them XXXX dollars confirmation number XXXX, they said that would not return anything to me, although the error was theirs which i consider fair, and maybe they would take me out of collection. I think it was an incorrect procedure on the part of the clinic and would have to return some of the money. 
XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX ut XXXX phone XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: The McHughes Law Firm, LLC
State: NC

Complaint narrative:
My employer ( not me ) received a certified letter stating that I owed a debt including legal fees amounting to {$1200.00} from a judgment dated XX/XX/2018. The person listed on the letter is not me. The SSN referenced is incorrect and I never lived at the addressed referenced on the judgment. The letter was from a law firm claiming to represent " XXXX XXXX ... as assignee of XXXX XXXX/XXXX  '' which is a creditor I have never done business with. My complaint is that this agency/firm never contacted me, but instead, contacted my employer directly. They embarrassed me and put me in a position to have to defend my integrity and be on the defensive. I work in a highly secure and sensitive industry and issues questioning credit or liability are taken very seriously. I could have lost my job had my employer not notified me of this issue. Not to mention, they threatened my employer that if he didn't respond, they would take action against him. I am not the person they are looking for, and anyone with XXXX access and practicing due diligence would have realized that before they threatened me and my employer. I reached out to the firm and asked for a written apology but received no response.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mortgage Research Center, LLC
State: AZ

Complaint narrative:
On XX/XX/2019 I submitted an inquiry to Veterans United Home Loans to get an idea of closing costs and current interest rates. A XXXX XXXX called me to talk about our options in regards to a VA IRRRL. I stated that I just wanted a quote on current rates and to know what their fees were. XXXX  stated Veterans United does not charge any loan fees other than prepaid items and if points are needed. He stated that he could send me a loan estimate without a hard credit inquiry, that they call it a "mortgage inquiry." I asked several times after this if this would effect my credit score and re-stated that I did not want to do a full credit pull. He reassured me and said he just needed a "mortgage inquiry" to send us an estimate of fees. About an hour later I received mortgage prequalifcation email from Veterans United   asking for documentation for a loan application that was being processed. I then received an email from XXXX XXXX saying there was a new hard inquiry on our credit report. XXXX XXXX, NMLS ID #XXXX, fraudulently filed a mortgage application and ran a hard credit inquiry without permission. This is mortgage fraud!

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