vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-03 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: FL

Complaint narrative:
XXXX, TransUnion and XXXX  credit reporting agencies are showing a balance of {$5000.00} with my prosper account. This prosper account has been paid off and the balance should be {$0.00}. I contacted both credit bureaus several times and they have not corrected this problem. Both credit bureaus are in violation of the federal fair accuracy act. I would like my prosper account balance to be corrected immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I contacted Equifax several times about missing information on my credit report. I have two federal student loans with XXXX XXXX and I have three credit cards with XXXX XXXX. None of these accounts are on my Equifax credit report. This agency is withholding information which is a violation of the federal fair accuracy act. I would like my two student loans and all my XXXX XXXX   credit cards to be reported correctly immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 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: TX

Complaint narrative:
I am a victim of identity theft. My office was broken into and several ID documents were stolen. I filed a police report which I have attached to this complaint. Several inquiries were made online without my approval or authorization which have now negatively impacted my credit. The fraudulent inquires are below : XXXX / XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. My office was broken into and several ID documents were stolen. I filed a police report which I have attached to this complaint. Several inquiries were made online without my approval or authorization which have now negatively impacted my credit. The fraudulent inquires are below : XXXX / XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2018-04-03 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am a victim of identity theft. My office was broken into and several ID documents were stolen. I filed a police report which I have attached to this complaint. Several inquiries were made online without my approval or authorization which have now negatively impacted my credit. The fraudulent inquires are below : Chase Card : XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: AZ

Complaint narrative:
XXXX XXXX company reported me to Convergent debt collector for {$190.00}, my concern is how can I owe them if I am currently have XXXX account and using it in house for cable, internet and phone line. If I owe them they will not let me have a new account and I've been using this XXXX account in my place for 3.5 years now.

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 2018-04-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Thomas Agency, Inc.
State: ME

Complaint narrative:
Sometime in early XX/XX/2016 I was admitted to the hospital with an illness. I have very extensive healthcare coverage so I was not worried about it. About 8-10 months after that I started receiving calls from a restricted caller, trying to avoid scams I never answered. After repeated calls over the next month I finally answered and the caller stated I owed a debt to their collection agency. I asked for more information as well as an itemized bill to be sent to my residence. Even now a year and a half later I have received absolutely nothing in writing or by letter. They continued to call me over the next few months and I repeatedly asked for more information and an itemized bill. The caller assured me one has been sent to my address and verified my current address. I stated that I had not received anyone and asked for another to be sent. This exact exchanged happened a few times but I have yet to receive anything. Eventually the calls stopped so I assumed it to be fraudulent and forgot about it. Then just a week or so ago I see a huge hit to my credit score from this agency, this leads me here today.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been denied 2 loans last week because TransUnion does not have a credit file on me. I called TU last week and they sent me a report in which I found they have wrong information about my name, only one creditor reporting ( when i have plenty of Credit Cards, Auto Loans and 2 mortgages ).

After reviewing my report I called TU again and XXXX ( the person that took my call ) told me that I have to call every single of my creditors and ask them to report to TU!. Well that would certainly will take weeks of my time. The funny thing is that XXXX and XXXX  have the correct information on my file ... and it is hard to believe that all my creditors are conspiring against TU and they don't send the info to them ....

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 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: TX

Complaint narrative:
I am a victim of identity theft. My office was broken into and several ID documents were stolen. I filed a police report which I have attached to this complaint. Several inquiries were made online without my approval or authorization which have now negatively impacted my credit. The fraudulent inquires are below : XXXX XXXX : XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. My office was broken into and several ID documents were stolen. I filed a police report which I have attached to this complaint. Several inquiries were made online without my approval or authorization which have now negatively impacted my credit. The fraudulent inquires are below : XXXX XXXX : XX/XX/XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2018-04-03 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: NY

Complaint narrative:
XXXX XXXX & Credit Bureau I sent out Validation letters to the three major credit Bearue for the last year. All I recevied back is the my accounts have been validated, so I called the lending institution which is XXXX XXXX  and asked them to validate the account ( last payment made ) by sending me the payment method ( credit card, check, bank paid from ) or anything that I purchased with that account. They are not able to validate the account so i'm writing this in the search for a correction on my credit report. 


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 2018-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ascension Point Recovery Services, LLC
State: NC

Complaint narrative:
On XX/XX/XXXX, my father passed away. I am the official appointed personal representative for the estate. 

On about XX/XX/XXXX, I received a letter from the following collection company attempting to collect a debt : AscensionPoint Recovery Services LLC XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, MN XXXX XXXX I then called the company and spoke with a representative named XXXX XXXX ext. XXXX to find out what this debt was for. I told her that I was the court appointed personal representative. She asked if I was working with a lawyer- I told her that we were, however that as the personal representative she could work with me as our attorney charges {$350.00} per hour and I did not want and did not have to use his services for this particular issue. She then promptly informed me that the debt was for a medical credit card called " XXXX XXXX '' and told me the balance they were seeking. I asked her to mail me an invoice showing a detailed break-down of the charges, which I have yet to receive ( it has been about 2 weeks ) Upon preparing my deceased father 's XX/XX/XXXX tax return today XX/XX/XXXX, I  discovered I needed to find out how much he spent on medical expenses for year XX/XX/XXXX. I knew from the balance on his " XXXX XXXX '' card that he must have put some medical expenses on there that I need to discover in order to complete his tax return. As I have not yet received the statement I requested, I called back to AscensionPoint at approximately XXXX XXXX. 

The representative refused to provide me information saying that " because the estate has an attorney, LEGALLY he can't speak with me and has to have all of my attorney 's information to speak with him '' which I know is absolutely not true and will accrue unnecessary expenses to the estate. 

As a court appointed Personal Representative they are required by law to provide information directly to me, they are under no " legal restrictions '' as the collections agent falsely stated to " only work with my {$350.00} per hour attorney ''. Despite being compelled by law to work with me on this issue, they decided to attempt to bully me into adding additional unnecessary legal costs to my father 's estate to aid themselves in strong-arming me for a collection of debt. ( Which I can't stress enough, is absolutely not called for ) I take issue with their morally reprehensible, illegal, and unnecessary bully tactics to attempt to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Reimer, Arnovitz, Chernek &Jeffrey Co., LPA
State: OH

Complaint narrative:
I received a court order of wage garnishment. I have no way of contacting the supposed lender and no one can give me there contact information to find out about the loan and see if I indeed do owe the amount, and if i do to work out a payment plan. I have until XX/XX/2018 to respond to the Law office of XXXX XXXX XXXX. I called them and couldn't get any info on debt collector and they were unwilling to work anything out other than what was on the notice of court proceedings.

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 2018-04-03 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: MD

Complaint narrative:
In the months of XX/XX/XXXX-XX/XX/XXXX, I was going thru some financial hardship and could not afford my car anymore, witch was a ( XX/XX/XXXX XXXX XXXX XXXX XXXX ) I then reached out to my auto loan company witch was XXXX XXXX XXXX XXXX. ( weird ) to VOLUNTARY SURRENDER VEHICLE the vehicle was then picked up some time in XX/XX/XXXX and at the end of XX/XX/XXXX the account closed and listed the vehicle on my credit report as an INVOULUNTARY REPOSSESION, and is being reported to transunion, XXXX, and XXXX  as such, and is totally inaccurate, the other problem is in XX/XX/XXXX-XX/XX/XXXX I noticed two 30day lates added to my credit report after the closing of account in XX/XX/XXXX.My most major issue is I have not received all the required notices such as NOTICE OF SALE, as of XX/XX/XXXX my credit report still has a balance of XXXX dollars.Transuion is reporting no payment history on this account at all, XXXX, XXXX  all are reporting inaccurate account iformation on this closed account, And are also in violation of the FCRA section 611 as well as my prior auto loan company, XXXX XXXX XXXX XXXX XXXX.Ive also disputed with all three CRA 's with no success in witch I will continue until I will have no choice to take other action with all parties.my ability to obtain credit has been hard because of this.

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 2018-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX placed a collection on my credit report in the amount of {$1000.00} which does not belong to me. They have not provided any validation that this collection is mine. Validation means to provide me with a document that has my signature on it that proves this debt is mine. They have only provided a bill, which is not validation. 

Furthermore, as I look on the IL website for collection agencies that are licensed or bonded to collect debts from me in this state, they are NOT licensed in IL to collect debts. They have placed this collection on my reports erroneously and are also not even legally eligible to collect debts in this state. I would like this debt permanently removed from all my credit reports ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. My office was broken into and several ID documents were stolen. I filed a police report which I have attached to this complaint. Several inquiries were made online without my approval or authorization which have now negatively impacted my credit. The fraudulent inquires are below : XXXX XXXX XXXX / XXXX Credit Card

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 2018-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: OR

Complaint narrative:
I assume the company in question is Portfolio Recovery Associates, though I can't verify this, as they refuse to leave a message or identify themselves over the phone, but based on the number out of Florida they're using, I was able to find similar complaints online that identify the company as PRA. 

I received a collection 's notice from PRA a few months ago. After I sent a certified letter requesting validation of the debt, they either could not or would not provide the requested documentation, so I assumed the debt was - in fact - NOT valid and received no further communication until yesterday, XX/XX/XXXX. They did not leave a message, and then called again this morning and would not identify themselves as PRA, despite me already having looked up their information online. 

I've included a copy of the debt validation letter dated XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ORG GC GP BUYER, LLC
State: MN

Complaint narrative:
They are reporting I owe over {$2000.00} for a bill that is not mine. I have received many phone calls from different agents and they have all made threatening comments and have cursed at me. I have asked them to stop calling and they do not. I have asked them to remove this from my credit reports and they refuse to. I have sent them the attached letter and have had no response from them, so they are also in violation of the " Fair Credit Reporting Act. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
This company is a scam. The irony of that can not be understated given the fact that this is a company that is supposed to protect your credit and protect you from ID theft - but they steal from YOU!

You automatically get signed up if you don't cancel after getting a free score. That's pretty standard, but then THEY DO NOT LET YOU CANCEL YOUR MEMBERSHIP. Unlike any other reputable company in the year 2018, you can not cancel online. They set it up so that you have to call them in order to cancel, and then when you do, you're put on hold for hours ( I was on hold for almost 2 hours before I wised up, hung up the phone, and called again but pressed pressed different numbers besides what leads you to " cancel my membership '' ) so that you can not cancel. It's impossible to cancel online ; I tried.

The other problem is that they take your credit card info to subscribe you without your consent if the first credit card is cancelled, or is expired, or whatever. The card that I had used initially expired and they automatically accessed my new card and started charging me. Oh, the irony - a company designed to protect you from being stolen from, and they steal from you.

I know many other people have had this problem. It needs to stop. They should not be able to get away with this.

After 3 hours, I was finally able to cancel my account. To be honest, I'm worried that it won't actually be cancelled.

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 2018-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Cohen & Associates
State: NC

Complaint narrative:
On XX/XX/XXXX I received a voice mail from XXXX XXXX ( phone number " unknown '' ) who indicated she was contacting me in reference to a complaint that was forward to her office ( no name of the company ) under file # XXXX  to discuss a pending action being filed against me and if I didn't call XXXX proceedings will begin without my consent. I called the number and requested the name of the company but was told by the person on the line that she answers for several companies and to provide the number and she would let me know. I gave her the number and then there was silence and XXXX came on the phone and said she was from XXXX   or Cohen & Associates. I asked why did they call me and she stated they didn't call me that I called them - I said yes, because I was left a message to call and she played word games by saying I called as she originally stated. I said this is a scam and I'm going to report her to the FTC and she said " we will see you in court '' and hung up. Prior to this call, I received a call on XX/XX/XXXX several times from XXXX and a voicemail was left indicating that I have not responded to issues in the previous six months and it is considered as an intentional fraud and a lawsuit is being filed under my name by the United States Government. I don't owe any debt and I'm not familiar with any issues nor received any letters by US and/or Certified mail. I don't know if the two are related but its odd that out of the blue I've received these calls. I know my personal information was part of two separate breaches with big companies that were very public. I believe this has caused collection agencies to contact me in an attempt to collect on debts that have been discharged in bankruptcy which is in violation of the Fair Debt Collection Practices Act and Bankruptcy Protection Law. Additionally, the unwanted calls and pre-recorded voice messages to my cell phone could be in violation of the Telephone Consumer Protection Act.

Company response to consumer: Untimely response