vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-07 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have filed a complaint before about the fraudulent addresses on my credit report. I do not live at these address and I need them removed they are not accurate : XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX   XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX. 
I requested some form a contract we verification on this 3rd party collection account that I have never done business with XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  {$1200.00} I was informed federal law requires that credit bureaus provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law. I don't know how many times I have to keep asking for the proper paperwork I have not received anything and its been longer than 30 days!!

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 2019-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. Auto Sales Inc.
State: VA

Complaint narrative:
Iamavictimofidentitytheftandthisdebtdoesnotbelongtome.Pleaseseetheidentitytheftreportandlegalaffidavitattached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07 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: LEXISNEXIS
State: OH

Complaint narrative:
I have filed a complaint before about the fraudulent addresses on my credit report. I do not live at these address and I need them removed they are not accurate : XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX   XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX. I requested some form a contract we verification on this 3rd party collection account that I have never done business with XXXX   XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX {$1200.00} I was informed federal law requires that credit bureaus provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law. I don't know how many times I have to keep asking for the proper paperwork I have not received anything and its been longer than 30 days!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
Dear CFPB, Around XX/XX/2017 XXXX had called us about our credit card being maxed out and not paid. The problem was we didn't not open a CC with XXXX. After further investigation, we found out that we were a VICTIM OF IDENTITY THEFT, we found out we had cards with XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX. 

We called local law enforcement and filed a police report, we put a locking mail box, most of the bills were being sent to our home, then the address was changed across the street, then changed across town to anther XXXX address. We have lived in the same home for several years as we own the home. Local law enforcement knows who did it and have a report on file. 

All of the creditors have gracefully worked with us removed the fraudulent accounts accept XXXX XXXX XXXX, THEY WERE HAVING NOTHING TO DO WITH THE IDENTITY THEFT AND WANTED PAID. They sold the account to a collection agency LNV FUNDING LLC.

Which we have tried to work with, they refused to take the paperwork on the identity theft. They have been rude, and insist we owe a debt, even though it was a fraudulent debt. 

We have had no cooperation from them at all. They even threaten to put me in jail, they have been rude on the phone, refuse to talk to us, work with us and help us resolve the issue do to identity theft. 

We have no other choice to but file a complaint with you, we feel we are being unjustly harassed for this account from them. 

We have attached the compliant against XXXX XXXX XXXX and our credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$2800.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2014 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-07 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: Nelnet, Inc.
State: MO

Complaint narrative:
FIRSTMARK/XX/XX/XXXXXX/XX/XXXXaddedremarksas"affectedbynaturaldisaster''onmyaccountthoughI'mnotaffectedandI'mmakingon-timepaymentstilldate.Idisputedthisremarkwiththebankthroughbureausbuttheyreturnedbackthisremarksasaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07 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: Innovis
State: OH

Complaint narrative:
I have filed a complaint before about the fraudulent addresses on my credit report. I do not live at these address and I need them removed they are not accurate : XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX   XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX. I requested some form a contract we verification on this 3rd party collection account that I have never done business with XXXX   XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  {$1200.00} I was informed federal law requires that credit bureaus provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law. I don't know how many times I have to keep asking for the proper paperwork I have not received anything and its been longer than 30 days!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07 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: ID Analytics, Inc.
State: OH

Complaint narrative:
I have filed a complaint before about the fraudulent addresses on my credit report. I do not live at these address and I need them removed they are not accurate : XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX. I requested some form a contract we verification on this 3rd party collection account that I have never done business with XX/XX/XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XX/XX/XXXX {$1200.00} I was informed federal law requires that credit bureaus provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law. I don't know how many times I have to keep asking for the proper paperwork I have not received anything and its been longer than 30 days!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07 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: UT

Complaint narrative:
Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2019-09-07 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: UT

Complaint narrative:
Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score XXXX value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX there was a hard inquiry from Cap One XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX There was a hard inquiry on XX/XX/XXXX from Capital One XXXX, VA XXXX ( XXXX ) XXXX Also on XX/XX/XXXX one from XXXX   XXXX, PA XXXX ( XXXX ) XXXX None of these did I apply for. I have not applied for any credit card in over 20 yrs there's are now affecting my credit score!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: IQOR US INC
State: TX

Complaint narrative:
I have a charge off from XXXX XXXX ( XXXX XXXX XXXX ) in the amount of {$1700.00}. This account was sold, to my knowledge, to Allied Interstate collection agency as far back as XX/XX/2019. I am in the process of paying this debt in full with Allied. At the present time XXXX is still reporting on my credit report that I owe them after sending numerous certified letters.

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 2019-09-08 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: MO

Complaint narrative:
XXXX/XXXX XXXX added remarks as " affected by natural disaster '' on my account though I'm not affected and I'm making on-time payments till date. I disputed this remark with the bank through bureaus but they returned back this remarks as accurate.

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 2019-09-08 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I received this letter from the Synchrony Bank in XXXX Fl. saying they have to turn down my request for a credit card from XXXX XXXX   XXXX. I haven't just requested a credit card from anybody. I've had this credit card for years. I owe them {$170.00} with a credit line of {$800.00}. I don't understand what this is about. I don't even know if I should make a complaint. I hope somebody can explain explain this letter. 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
Consumer complaint received 2019-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Theres an auto financing account that is over 8 years old on my report from XXXX XXXX XXXX. It was first opened in XXXX of XXXX. This account was fully paid off and closed on XX/XX/XXXX. I recently received a notification from TransUnion regarding a change to my credit report. When I looked, it showed that on XX/XX/XXXX, XXXX XXXX XXXX reported old late payments to TransUnion causing my credit score to drastically drop over 80 points. By law, this company should not still be allowed to report anything negative on this closed account. Ive disputed this through TransUnion to no availasking them to verify this information and remove this old account from my credit report. Ive also tried reaching XXXX XXXX XXXX and keep being told the people that handle these cases are out of the office. Ive left messages. Receiving no calls back.

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 2019-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Theres an auto financing account that is over 8 years old on my report from XXXX XXXX XXXX. It was first opened in XXXX of XXXX. This account was fully paid off and closed on XX/XX/XXXX. I recently received a notification from XXXX   regarding a change to my credit report. When I looked, it showed that on XX/XX/XXXX, XXXX XXXX XXXX reported old late payments to XXXX causing my credit score to drastically drop over 80 points. By law, this company should not still be allowed to report anything negative on this closed account. Ive disputed this through XXXX to no availasking them to verify this information and remove this old account from my credit report. Ive also tried reaching XXXX XXXX XXXX and keep being told the people that handle these cases are out of the office. Ive left messages. Receiving no calls back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP
State: GA

Complaint narrative:
On XX/XX/2019, I closed on my home and began a mortgage contract with XXXX XXXX XXXX for {$270000.00}. Sometime late XXXX, I received a letter from XXXX XXXX XXXX that they were changing the name on the mortgage from XXXX XXXX XXXX to Ameris Bank, as the two banks are undergoing a merger. On this letter, which I unfortunately no longer have, it stated that my methods of payment would not change due to this name change/merger. 

Ameris Bank sent me a letter in early XXXX informing me how to begin paying them for my mortgage. I received a statement from them on XX/XX/XXXX requesting a payment of {$1500.00} due by XX/XX/XXXX. This was odd to me, as I had paid XXXX XXXX XXXX for the statement they sent me for the same amount, also due XX/XX/XXXX. To avoid any late payment or collection attempts, I sent Ameris Bank a payment anyways, since I was under the impression that these were effectively the same mortgage, and it would be applied to my balance anyways. 

However, this is not the case. Both companies have different payment histories from me, different principal balances, and different escrow balances. Through some further research, I found that there are now two mortgages on my credit report from each company, XXXX/AMERIS BAN ( Ameris Bank ), and XXXX XXXX ( XXXX XXXX XXXX ) for the same original loan amount and same date opened. Apparently both companies think I owe them money. 

I contacted XXXX XXXX XXXX about the mortgage on XX/XX/2019, and their customer service representative told me something to the effect of " Mergers are tricky, this will sort itself out. '' I asked them who I was supposed to be paying for the mortgage, and they said continue paying XXXX XXXX XXXX the same way which was agreed at closing. 

I contacted Ameris Bank on XX/XX/2019 about the same issue, and their customer service said the account is open with them and to continue paying them money. I immediately contacted XXXX XXXX XXXX and spoke with the customer service again, and demanded they resolve this issue. I told them I need something in writing saying that they are who I am supposed to pay, and not Ameris Bank. However, I don't think this matters since there are two mortgages open on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08 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: GA

Complaint narrative:
I have been in dispute with Equifax about a bankruptcy that they are reporting on my credit file. The information they are reporting is incomplete and inaccurate. I have sent letters asking for them to verify the bankruptcy which they would refuse to do. They have responded with letters stating that the account has been verified through their vendor. The last letter I wrote them, I asked Equifax to provide me with a method of verification and also to advise them that they were still reporting incomplete and inaccurate info.They responded with an update to my bankruptcy by adding a verified date The date of verification was never complete until XX/XX/XXXX. At that time, it was dated XX/XX/XXXX as being the date of verification. I have been going back and forth about this matter for months and was notified in XX/XX/XXXX that it had been verified then. Well I received a notification from XXXX XXXX XX/XX/XXXX that a bankruptcy had been removed and then added again. This will make the second time, XX/XX/XXXX, that they removed and added the same bankruptcy to my account. At this point, my score is being severely affected. Equifax intentionally withholds positve updates and reports the negative more. I just wanted them to do a thorough investigation and based the reports off of it. Instead I am getting a computer generated response

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have no knowledge of the following inquiry XXXX XXXX XXXX. Please investigate to ensure there is no fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: RI

Complaint narrative:
I was sold access to an event digitally, of which I have all the screenshots to detail the transactions, transferred the money and was provided with only a fake of a ticket. I have reported this to paypal and it was for the amount of {$21.00} including a {$1.00} fee from paypal. 

This occured on XX/XX/2019, by paypal user who gave two accounts : 1 ) XXXX 2 ) XXXX XXXX

Company response to consumer: Closed with explanation