vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: OH

Complaint narrative:
This is not my account my account. I did receive any mail with the opportunity to dispute. Please provide validation of the debt, method of verification and Assignment of debt. Please Delete ASAP. 

XXXX XXXX XXXX  # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Block, Inc.
State: NJ

Complaint narrative:
i had a Cash App card had XXXX deposited someone tried taking out XXXX i was not aware of. Cash app locked my account on XX/XX/XXXX. i closed or old card got a new one they said everything would carry over, it did not happen. I after month and a half after sending at least 75 E-MAILS because they have no phone support a XXXX said they are working on it and four days ago a XXXX at cash app asked for all my info to merge accounts now they are not responding to me at all. i had to goto XXXX too get an actual response. i am in such a mess because of then holding my money what it seems like HOSTAGE and i see I'm not the only one. PLEASE HELP ME

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: LA

Complaint narrative:
I am in the progress of trying to fix my credit. I Noticed a collection on my account from a Convergent Outsourcing , INC . I never did any business with them and notice they said they were trying to collect a debt from when I had XXXX. To which I closed and paid my final bill. So i know I do not owe them anything. I sent them a certified letter with they account number that they have posted on my credit report asking for Validation of the debt. In accordance with 15 U.S. Code 1692g, I requested verification of the debt, including the age of the debt, an itemized statement of what is owed, the name and address of the original creditor, and evidence that I am legally responsible for the debt. I asked that if they do not have this information then to please remove it off my credit report. They have not responded to my letter as of today.

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 2020-09-02 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: OH

Complaint narrative:
This account is listed on XXXX  current Account owner as XXXX XXXX XXXX for XXXX XXXX XXXX # XXXX Also, listed on Equifax as current Account owner as XXXX XXXX. 

This is not my account my account. I did receive any mail with the opportunity to dispute. Please provide validation of the debt, method of verification and Assignment of debt. Please Delete ASAP # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 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:
XXXX XXXX ACCT # XXXX Is reporting a debt on my credit file that I do not owe. This debt is not mine, and I have never had an account with or opened any accounts with XXXX XXXX. I have contacted and advised them that is a fraud account and it needs to be removed off my credit file.

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 2020-09-02 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: UT

Complaint narrative:
XXXX XXXX ACCT # XXXX Is reporting a debt on my credit file that I do not owe. This debt is not mine, and I have never had an account with or opened any accounts with XXXX XXXX. I have contacted and advised them that is a fraud account and it needs to be removed off my credit file.

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 2020-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NJ XXXX To Whom It May Concern, Going over my credit report, I have found that there is inaccurate information listed such as my year of birth & address ( es ) in which I am requesting an investigation for the following erroneous items : I Demand Deletion of all these inaccurate year of Birth : XXXX I Demand Deletion of all these inaccurate addresses : - XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, NY XXXX - XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ XXXX - XXXX XXXX XXXX XXXX, XXXX, PA XXXX. 

My correct information is as follows and I have attached proper documentation to support my request : ( can send a utility bill etc. to show that you reside there and a copy of your licenses. 
1. My name is XXXX and should be spelled, FIRST NAME IS XXXX AND LAST NAME IS XXXX 2. My current address is : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NJ XXXX Please delete the above disputed items and ( 30 ) days constitutes a reasonable amount of time for investigation. Per the Fair Credit Reporting Act, send me notification that these items have been deleted, as well as an updated copy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I received a letter from MCM Midland Credit Management on XX/XX/2020 attempts to collect the debt that not belong to me. They try to collect the money for XXXX XXXX. account number : XXXX and the Midland Account number : XXXX with XXXX XXXX account : XXXX. The amount of account balance is {$14000.00} I never have a account number like that with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 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: TN

Complaint narrative:
XXXX has removed incorrect entry the report and the three major bureaus refuse to remove it from my report. I have long suffered from this willful violation of my section 604 rights for my fair credit reporting rights.

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 2020-09-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I use to have a medical bill, from XXXX XXXX Hospital XXXX XXXX California. Although my insurance paid part of the bills and I was a student at that time. I filed for some bill assistance program with the hospital and my bill was overlooked and forgiven. 
CMRE Financial services located at XXXX XXXX XXXX  XXXX  # XXXX, XXXX, CA XXXX. Contacted me in regards to this bill and I was confused, I taught the hospital was messing or joking with me. In XX/XX/XXXX I went to basic training dont have access to my phone. When I got out of basic training I saw 3 collections on my credit report from CMRE. 
I contacted the hospital and I was told my I dont have any pending or outstanding bill that my bill was forgiven last year XXXX. I spoke with several billing officials of the hospital and was told they never send my information to any collection. I was even told CMRE isnt the collection agency the hospital use for collection, and high means XXXX XXXX Hospital XXXX XXXX dont have any affiliation with CMRE financial services. 
I called CMRE and explain that to them, then asked them how they got my information since XXXX XXXX Hospital denied releasing my information to them. They have classified information of me, they have my phone number social security number and my home address. 
CMRE hanged the phone on me, and their collection still appear on my credit report till date, my credit report went down by 70points because of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 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: Ditech Financial LLC
State: NC

Complaint narrative:
DiTech is reporting that payments were made on a personal loan in XXXX and XXXX. 
This loan was closed/charged off by XXXX/GreenTree prior to XXXX. 
No payments were EVER made on this account after XXXX. 
Ditech 's report is fraudulent. 
Totally made up! 
Needs to be removed from report or provide proof of payments made.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 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: MD

Complaint narrative:
XXXX, XXXX and Transunion has allowed XXXX XXXX to report inconsistencies, inaccurate information and duplications. I have disputed this information several times, and it has been fraudulently verified. The validity of debt does not allow for false reporting of dates and amounts. It is defamation to report false information including dates, amounts, and duplicated debt to make it appear that debt is newer, older, or to attempt to collect more money.

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 2020-09-02 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: OH

Complaint narrative:
This account is listed on TransUnion current Account owner as XXXX XXXX XXXX for XXXX XXXX XXXX # XXXX Also, listed on XXXX as current Account owner as XXXX XXXX. 

This is not my account my account. I did receive any mail with the opportunity to dispute. Please provide validation of the debt, method of verification and Assignment of debt. Please Delete ASAP # 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 2020-09-02 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NJ XXXX To Whom It May Concern, Going over my credit report, I have found that there is inaccurate information listed such as my year of birth & address ( es ) in which I am requesting an investigation for the following erroneous items : I Demand Deletion of all these inaccurate year of Birth : XXXX I Demand Deletion of all these inaccurate addresses : - XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NY XXXX - XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ XXXX - XXXX XXXX XXXX XXXX, XXXX, PA XXXX. 

My correct information is as follows and I have attached proper documentation to support my request : ( can send a utility bill etc. to show that you reside there and a copy of your licenses. 
1. My name is XXXX and should be spelled, FIRST NAME IS XXXX AND LAST NAME IS XXXX 2. My current address is : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NJ XXXX Please delete the above disputed items and ( 30 ) days constitutes a reasonable amount of time for investigation. Per the Fair Credit Reporting Act, send me notification that these items have been deleted, as well as an updated copy of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: MS

Complaint narrative:
XX/XX/XXXX I received a letter stating my Escrow taxes had not been paid yet. I pay them every month with my house payment. I called my tax office and they informed me that XXXX had not received the right PPIN which is there responsibility to pay my tax. I called XXXX and explained this to them, I sent emails and explained this. The amount of my taxes are XXXX and XXXX. I can not get anyone to tell me anything. They will not return my call, I have called everyday and today is XX/XX/XXXX. My next step is to contact my attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 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: TN

Complaint narrative:
XXXX has removed incorrect entry the report and the three major bureaus refuse to remove it from my report. I have long suffered from this willful violation of my section 604 rights for my fair credit reporting rights.

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 2020-09-02 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: TN

Complaint narrative:
XXXX has removed incorrect entry the report and the three major bureaus refuse to remove it from my report. I have long suffered from this willful violation of my section 604 rights for my fair credit reporting rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
COLLECTION BUREAU OF AMERICA is reporting inaccurate information on my credit reports because I have no knowledge of this account. I have contacted the collection agency and the credit bureaus. I am requesting that the item be removed immediately to correct my information. 

I feel that it is not appropriate that I disputed the information and XXXX is stating that they received sufficient information, which has not been shared with me. Where is a contract showing that I opened an account with them? My signature or any personal information?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 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: MD

Complaint narrative:
XXXX, Equifax and XXXX has allowed XXXX XXXX to report inconsistencies, inaccurate information and duplications. I have disputed this information several times, and it has been fraudulently verified. The validity of debt does not allow for false reporting of dates and amounts. It is defamation to report false information including dates, amounts, and duplicated debt to make it appear that debt is newer, older, or to attempt to collect more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 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: MD

Complaint narrative:
Experian, XXXX and XXXX has allowed XXXX XXXX to report inconsistencies, inaccurate information and duplications. I have disputed this information several times, and it has been fraudulently verified. The validity of debt does not allow for false reporting of dates and amounts. It is defamation to report false information including dates, amounts, and duplicated debt to make it appear that debt is newer, older, or to attempt to collect more money.

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 2020-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I am the victim of a fraudster who billed my card for goods and then failed to deliver them. I reported the fraud to the credit card issuer, which made a conditional reversal on or about XX/XX/2020. The fraudster subsequently misrepresented to the credit card issuer that he had -- in fact -- delivered the goods. The credit card issuer reversed the conditional credit on XX/XX/2020 and closed the case. 

I called the credit card issuer on at least three occasions to inform them that the fraudster was also a liar, but was unable to get the credit card issuer to reverse the charge. The credit card issuer misrepresented to me that I would receive a letter in the mail. I never received such a letter. After considerable searching, I discovered a copy of the letter that was allegedly mailed to me on the credit card issuer 's website. I immediately completed the fraud affidavit on XX/XX/2020 and returned it to the credit card issuer. I also mailed a letter to the CEO of the credit card issuer 's parent informing him of the problem and cautioning him that I would file a complete with the CFPB unless the issue was resolved by XX/XX/XXXX. The issue wasn't resolved, and here is my complaint.

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 monetary relief
Consumer complaint received 2020-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
Hard Inquiry was done on my credit without my permission and without a reason to do so. The hard inquiry that was placed by XXXX XXXX XXXX was placed without my knowledge, as well as, XXXX XXXX XXXX did not get my permission to do this. I had an account with XXXX XXXX XXXX in the past with a total balance of {$1900.00} that was included in my Chapter XXXX Bankruptcy filing. This account was never updated with Transunion to be closed out and confirmed to be included in my Chapter XXXX I realized. I reached out to XXXX XXXX XXXX to address this issue on XX/XX/2020, and at this time the collections department manager informed me he was behind and would get it corrected as soon as possible. Fast forward to XX/XX/2020, I once again checked my credit report and this account was still reporting incorrect with the outstanding balance and as a bad debt. I reached back out to XXXX XXXX XXXX and they requested proof of this on how it was being reported to Transunion ( I provided them proof on XX/XX/2020 ). They confirmed and agreed and said they would get this corrected once again as soon as possible. Fast forward again to XX/XX/2020, I rechecked my credit report and noticed it still had not been changed. I reached out to XXXX XXXX XXXX once again informing them on this and received a notification from Transunion, that XXXX XXXX XXXX placed a hard inquiry on my consumer credit report for an unknown reason. I reached out to XXXX XXXX, the collections manager at  XXXX XXXX XXXX to inform him that I see he had placed the hard inquiry. His response was I had to see how it was reporting. I reminded him that back in XXXX, I sent him proof of how it was reporting and showing on my credit report. At this time, Mr. XXXX informed me they finally realized they were not going into the correct system to get this request processed ( AUD was placed through E Oscar a few days later and he informed me they would request the  hard inquiry be removed as well if they could ). I reached out to the President of the bank and requested that this hard inquiry be removed since I did not give permission to do so and requested a letter of deletion be sent to me on XX/XX/2020 and I have yet to hear back from anyone at XXXX XXXX XXXX or receive the letter of deletion. My XXXX XXXX XXXX collection account was changed and is currently reporting correctly 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 2020-09-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC
State: MD

Complaint narrative:
Ability Recovery somehow refuses to acknowledge that validity of debt does not allow them to report inconsistencies, inaccurate information and duplications. I have disputed this information several times, and it has been fraudulently verified. The validity of debt does not allow for false reporting of dates and amounts. It is defamation to report false information including dates, amounts, and duplicated debt to make it appear that debt is newer, older, or to attempt to collect more money. I requested debt validation in XX/XX/2020, and received no response. I was not given any opportunity to validate, verify or ( if valid ) satisfy the debt prior to credit reporting. 

The attached shows clear inaccurate date, inconsistencies, and duplicate reporting all violations of 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