vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
Portfolio Recovery Associates continue to call my wife 's phone looking for me. She has told them several times that I am not available and asked if she could help them with something. They then want her to confirm information. We will not confirm any information with them because they refuse to tell us for whom they are collecting. They just tell us Portfolio Recovery. Until these phone calls started we had never heard from them. I am hesitant to give out any identifying information to someone that I have never heard of. They tell us that if we will just confirm the information then they will tell us who they are representing. I have never signed a contract with Portfolio Recovery so I feel that I do not owe them anything. I really wish they would quit calling. My wife and I have both told them multiple times to quit calling unless they were going to tell us for whom they are collecting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
Sunrise Credit Services contacted me by my home phone, ( land line ), on XXXX XX/XX/XXXX, saying they are a collection service hired by XXXX XXXX XXXX XXXX to collect a debt of approximately {$6900.00}. this account was opened in XX/XX/XXXX. I told them I do not have an XXXX XXXX XXXX XXXX account.

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 2019-06-06 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 — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: MN

Complaint narrative:
My wallet was stolen in XX/XX/2018. A while after fraudulent charges where being made. The bank denied claim even after police charged a suspect with 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
Consumer complaint received 2019-06-06 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: FL

Complaint narrative:
I HAVE BEEN DISPUTING DEPT OF ED/ XXXX FOR A YEAR 6 MONTH AGO THE CREDIT BRUEA REMOVE THE ACCOUNT BECAUSE THEY WHERE NOT ABLE TO VERIFY WITH THE 30 DAY THIS ACCOUNTS DOSE NOT BELONG TO ME I REPORT THESE ACCOUNT TO THE XXXX AND FILL OUT THE AFFIDAVIT THAT EVEN XXXX SEND ME AND NOTHING IS BEING DONE THEY JUST KEEP ON SENDING THE SAME THING NO DOUCMENT THAT SHOW THAT IT BELONG TO ME

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 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: FL

Complaint narrative:
I HAVE BEEN DISPUTING DEPT OF ED/ XXXX FOR A YEAR 6 MONTH AGO THE CREDIT BRUEA REMOVE THE ACCOUNT BECAUSE THEY WHERE NOT ABLE TO VERIFY WITH THE 30 DAY THIS ACCOUNTS DOSE NOT BELONG TO ME I REPORT THESE ACCOUNT TO THE FTC AND FILL OUT THE AFFIDAVIT THAT EVEN XXXX SEND ME AND NOTHING IS BEING DONE THEY JUST KEEP ON SENDING THE SAME THING NO DOUCMENT THAT SHOW THAT IT BELONG TO ME

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 2019-06-06 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: NC

Complaint narrative:
In XX/XX/2019 I found fraudulent information on my credit report. After the information was found I hired a credit repair agency to remove the items that were not authorized by me. Those items were not removed and nothing was done. I am looking to have the information removed from my 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 2019-06-06 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: NC

Complaint narrative:
In XX/XX/2019 I found fraudulent information on my credit report. After the information was found I hired a credit repair agency to remove the items that were not authorized by me. Those items were not removed and nothing was done. I am looking to have the information removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 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: NC

Complaint narrative:
I have contacted Experian in reference to accounts : Dept of Ed/XXXXt XXXX Dept of Ed/XXXX XXXX ; Dept of Ed/XXXX XXXX Dept of Ed/XXXX   XXXX ; Dept of Ed/XXXX XXXX. I contested the accuracy of the furnisher 's reporting of the payment history which Experian responded to my dispute that the accounts were being accurately reported. How are these accounts being " accurately reported '' when they have the payment status for XX/XX/2019 listed as " OK '' but the following month XX/XX/2019 is listed as 90 Days late. How can they report a 90 day late payment status without first reporting 30 and 60 day late payments. These erroneous accounts should immediately be deleted from my consumer 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 2019-06-06 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: STERLING JEWELERS, INC.
State: GA

Complaint narrative:
hello, the following cc company XXXX XXXX XXXX XX/XX/2019 XXXX are reporting the wrong information on my credit report. I have never been late or missed a payment, yet they have me showing 30 day late the problem I have is that the last report date and active date and payments dates are all inaccurate. each of the 3 cb are showing something different. they only report what they are giving. so with that being said whos to say the information that im 30 days late isn't an error on the creditors end. I would like them to fully investigate the problem and make the correct changes to there error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 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: EOS Holdings, Inc.
State: MA

Complaint narrative:
This company claims that I have a balance of {$260.00} with them, I have been disputing this debt because they are reporting it as in collection on my credit file, I asked this company to please provide me with a copy of the original contract which bear my signature and which it concerns the debt being collected. All that EOS CCA provide me with is a copy of a bill from the year XXXX which is not enough to validate the debt that they are trying to collect, I looked up the debt collection laws in the state of Massachusetts because that is where I reside and it says that on XX/XX/XXXX the Massachusetts Attorney general published onerous new consumer debt collection practice regulations, deeming their violation to be an unfair trade practice. It also says that these regulations, which became effective upon publication, purport to govern every business and person nationwide who engages in collecting a consumer debt ( defined as any debt resulting from a purchase, lease or loan of goods, services or real or personal property or for a loan of money obtained for personal, family or household purposes, whether or not reduced to a judgement ) from a person located within Massachusetts. Like I said at the beginning of my complaint, EOS CCA is not willing to provide me with all documents or an original contract that bears my signature that is required in the state of Massachusetts. I am including some pictures that were taken by me so that EOS CCA can read what the laws and regulations are in the state where I reside. If they are licensed to collect in Massachusetts, they should know these laws and regulations. This is not a refusal to pay, but I need this debt to be validated before I make any type of payment. If the debt can not be validated please delete it from my credit file, as it is causing my credit worthiness big damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 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: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
XXXX, XXXX AND XXXX ARE REPORTING A COLLECTIONS ACCOUNT ( Law Offices Of Mitchell ) THAT IS NOT MINE. 
THEY ARE IN VIOLATION OF THE F.C.R.A I DID NOT GIVE XXXX, XXXX AND XXXX   CONSENT TO REPORT THIS ACCOUNT. 
THIS COLLECTIONS ( Law Offices Of Mitchell ) IS NOT MINE AND DOES NOT BELONG TO ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-06 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: FL

Complaint narrative:
LAW OFFICES OF XXXX IS IN VIOLATION OF THE ( F.C.R.A ) AND HAS A COLLECTIONS ON MY XXXX, EQUIFAX AND XXXX CREDIT REPORT THAT IS NOT MINE AND IM NOT RESPONSIBLE FOR.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 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: BMW Financial Services NA, LLC
State: NY

Complaint narrative:
I have had two separate leases with BMW financial and for the length of the period of 36 month paid on time with no late payment. However I was asked to cosign by a BMW employee for a person I referred in and that individual the true owner of account # XXXX allegedly paid their lease twice late, information is still unsubstantiated XXXX XXXX is the registered owner of that vehicle, he drives it and pays for it, I am not copied on any invoicing or don't have access to the account which is in his name. BMW has reported the account twice late and has extremely damaged my credit rating through no fault of my own, I have asked them to revove that false credit information about, but they have maliciously refused. I would like a full investigation to be asked into BMW credit reporting practices and method, to insure they truly comply with the Fair credit reporting act and reasonable, truthful credit reporting practices, they are the only beneficiary of these leases but they choose to damage my credit when it was their sales person that earned a commission and they were able to lease a car by misrepresenting that I was a co-signer only responsible if the car is stolen, damaged, or repossessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 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: NC

Complaint narrative:
In XXXX, XXXX and XXXX of 2019 filed disputes with the credit bureaus. I am a victim of identity theft. The information listed in this report, which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
On XX/XX/2019 I received a phone call from " XXXX '' with XXXX XXXX XXXX XXXX at phone number ( XXXX ) XXXX claiming to have the ability to consolidate my federal student loan, forgive all interest on the loan ( and only pay on the principal amount ), and have payments as low as {$39.00} a month based on income. Questions were asked including : " is this X person I'm speaking with? '' " Can you confirm that your email address is X? '' and " Can you confirm that your birthdate is X? '' I did not confirm nor deny any of these questions and used that language. This " XXXX '' person was very pushy and told me he can only help me if I help him by answering his questions. XXXX was then told that I would not be answering questions for information he already ( supposedly ) had access to from the federal government. He then apologized for taking up my time and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
XXXX XXXX XXXX is not me. Please remove from file. 
Also I have never lived at XXXX XXXX XXXX, XXXX, Wi. XXXX. I have always lived in XXXX WI. Until The middle of XXXX/XXXX 2019 when I moved to XXXX XXXX XXXX XXXX, Wi. XXXX. Please help me fix this information. Thank you sincerely, XXXX 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 2019-06-06 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: FL

Complaint narrative:
These inaccurate accounts are reporting on my credit report 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

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 2019-06-06 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: PA

Complaint narrative:
I submitted disputes for collection accounts on my credit report online and over the phone. I sent a copy of the letter from one account stating XXXX Account # XXXX was investigated and is to be deleted. When I spoke with Experian rep I was told it doesn't make a difference and I have to wait till it drops of next year. I informed him that's it's in writing that it is to be removed from my credit report I spoke with rep on XX/XX/19. I also uploaded docs to them. XXXX XXXX # XXXX XXXX is to be deleted from my credit report. 

In addition my credit score dropped 26 points after disputing I called Experian and asked why I was not given a clear answer I was transferred to two different departments and dispute department rep was rude and did not explain why my score dropped. I was told my score would not decrease my disputing collection accounts. I was missing informed and not provided a clear answer and my credit score dropped for unknown reason with Experian. 

Experian did not explain to me the reason why my score dropped 26 points and refused to delete XXXX account although I have letter stating it is to be removed after investigation XX/XX/19. Experian did not explain why my score dropped 26 points after my disputing items that have been on my credit already.

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 2019-06-06 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: NC

Complaint narrative:
I have contacted Equifax and XXXX  in reference to accounts : Dept of Ed/XXXX   XXXX ; Dept of Ed/XXXX XXXX ; Dept of Ed/XXXX  XXXX ; Dept of Ed/XXXX XXXX ; Dept of Ed/XXXX XXXX. I contested the accuracy of the furnisher 's reporting of the payment history which both companies responded to my dispute that the accounts were being accurately reported. How are these accounts being " accurately reported '' when they have the payment status for XXXX listed as " OK '' but the following month XXXX is listed as 90 Days late. How can they report a 90 day late payment status without first reporting 30 and 60 day late payments. These erroneous accounts should immediately be deleted from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
hello, the following cc company ( NAVY FEDERAL CREDIT UNION ) are reporting the wrong information on my credit report. I have never been late or missed a payment, yet they have me showing 30 day late. the problem I have is that the last report date and active date and payments dates are all inaccurate. each of the 3 cb are showing something different. they only report what they are giving. so with that being said whos to say the information that im 30 days late isn't an error on the creditors end. I would like them to fully investigate the problem and make the correct changes to there error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 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: NC

Complaint narrative:
I have contacted XXXX  and Transunion in reference to accounts : Dept of Ed/XXXX XXXX ; Dept of Ed/XXXX XXXX ; Dept of Ed/XXXX  XXXX ; Dept of Ed/XXXX XXXX ; Dept of Ed/XXXX XXXX. I contested the accuracy of the furnisher 's reporting of the payment history which both companies responded to my dispute that the accounts were being accurately reported. How are these accounts being " accurately reported '' when they have the payment status for XXXX listed as " OK '' but the following month XXXX is listed as 90 Days late. How can they report a 90 day late payment status without first reporting 30 and 60 day late payments. These erroneous accounts should immediately be deleted from my consumer 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 2019-06-06 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: NC

Complaint narrative:
I just filed a complaint with the cfpb on XX/XX/2019 at XXXX and it did not process.

In XX/XX/XXXX, XX/XX/XXXX and XX/XX/2019 I filed disputes with the credit bureaus. I am a victim of identity theft. The information listed in this package, which appears on my credit report, does not relate to any transaction 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 2019-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Netspend Corporation
State: FL

Complaint narrative:
This complaint is in regards to the MileagePlus GO prepaid card offered by NetSpend. Not only did NetSpend tried to charge me the {$85.00} annual fee TWICE before even using the card, but the I've earned XXXX XXXX miles last month and it was never posted to my account.

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 2019-06-06 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: FL

Complaint narrative:
These inaccurate accounts are reporting on my credit report 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   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