vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-30 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX is trying to collect on an unknown debt for XXXX XXXX XXXX  in the amount of {$650.00} dated XX/XX/2017. I have contacted them and the credit bureaus directly. No one has provided an original signed contract or any identifying documents such as my ID since the multiple requests. They want my information, rather than proving this unknown debt to me. Furthermore, who calculated the debt and how it was calculated. The credit bureaus response is to contact the collection agency, rather than investigating, they toss the issue back to the collection agency who then continues to report erroneous information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
USAA permanet credit was Never Applied This letter is in answer to Why are there Thousdands Dollars of Chargebacks IF NO UNAUTHORIZED CHARGES OCCURRED WHEN I REPORTED XX/XX/XXXX? XX/XX/XXXX 1st time USAA finally admit unauthorized DID OCCUR .They HAD TO IN ORDER TO MAKE CHARGEBACKS LEGAL THIS {$470.00} did Not Credit to My Account XXXX or XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 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: CA

Complaint narrative:
XXXX XXXX is trying to collect on an unknown debt for XXXX XXXX XXXX   in the amount of {$450.00} dated XX/XX/2018. I have contacted them and the credit bureaus directly. No one has provided an original signed contract or any identifying documents such as my ID since the multiple requests. They want my information, rather than proving this unknown debt to me. Furthermore, who calculated the debt and how it was calculated. The credit bureaus response is to contact the collection agency, rather than investigating, they toss the issue back to the collection agency who then continues to report erroneous information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 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: MD

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Creditor : XXXX  Inquiry Dates : XX/XX/2018 - XX/XX/2018 - XX/XX/2018

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I have been unable to get my free Equifax free credit report. I tried online and was rejected because I got one of the answers incorrect. I called them and told them about this issue. I got a supervisor and they indicated that they would send out a credit report to me by mail. They also told me that I could get on to myequifax.com and view my credit report. Every time I try to get on it tells me to try back later. I have called them about 10 times and they say they will fix the error. I have received several messages saying it is fixed and I can log on. I still get the same error. Every time I want to talk to them about this it takes about 20 minutes. I have gotten 3 messages sent to my email account and several agents have also sent reset commands. They have not been able to fix this issue and I am tired of calling them to hear there excuse. To my knowledge I have never been able to log on. When I do, I need to get a new password. When I do this it is not accepted and I am told the process is temp unavailable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-30 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: IL

Complaint narrative:
Hello, About a week ago I found out that my Experian account had been combined with someone else 's because I was rejected for a refinance loan. Experian has attempted to correct my information but not accurately. When asked, they couldn't give me a straight answer as to how this could have even happened. I've had to spend over 4 hours of my time dealing with this and it's still not corrected. Experian doesn't offer call backs from their reps so I have to sit and wait for sometimes 20+ minutes to only be hung up on because their wait times are so long. As a result I've been denied a refinance loan when I should have been approved, and wasted hours of my time on this. 

This is ridiculous that we aren't able to opt out or receive recompense when credit reporting agencies are responsible for making sure our information is 100 % accurate. How this could even happen I don't understand since the person who's information I was combined with doesn't even have the same first or last name as I do. Credit reporting agencies need to be held responsible for these mistakes and people who are affected shouldn't have to be inconvenienced for something we don't even want and are unable to opt out from. 

Thank you, 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 2019-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am writting to report multiple violations to my rights as a consumer. I tried to solve this matter with SYNCB/Amazon the past, but they have failed to give me a fair solution to my issue. I have a SYNCB/Amazon. Acc # XXXX. Opened : XX/XX/XXXX. Status : Closed. Limit : {$500.00}. Banalce {$0.00}. SYNCB/Amazon has been reporting incorrect information to the credit bureaus. 

This company has failed have failed to provide me with an answer to my letter sent back on XX/XX/2019. They did not listen to my demand and the did not even acknowledge my time spent in sending this correspondance to them. As of today, the account is not under investigation since they did not remarked it as disputed. This is a violation to the FCRA. They are being Unfair and Negligent. 

They are also committing violations to the section ( 609 ) of the Fair Credit Reporting Act by reporting false and erroneous information. This account is related to fraud and they are still reporting it. This is affecting me physically and mentally and I want a fair solution to this issue. 

I am demanding a deletion letter from SYNCB/Amazon and I want them to stop collection activity on this account. If they dont provide me with the deletion letter that I am demanding, I will not hessitate taking this to a court so a judge decides. I am sure that when I sat down with my attorneys the list of violations will go up. 

Thanks to whomever reads my complaint. See attached documents sent to SYNCB/Amazon, which they ignored.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 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: MD

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Creditor : XXXX XXXX , XXXX Inquiry Date : XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I requested 3 times to have a bankruptcy removed from my account because of failure to provide me with the method of verification for this account, I was told by each credit bureau that it was verified through my courts and I would need to contact them upon contacting my court I received a letter from them stating they do not verify bankruptcy to 3rd parties. I then sent this letter to each bureau they responded by again sending me letters stating it was verified as correct. Upon asking them to provide me with the method of verification I again received a letter stating the same thing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I requested 3 times to have a bankruptcy removed from my account because of failure to provide me with the method of verification for this account, I was told by each credit bureau that it was verified through my courts and I would need to contact them upon contacting my court I received a letter from them stating they do not verify bankruptcy to 3rd parties. I then sent this letter to each bureau they responded by again sending me letters stating it was verified as correct. Upon asking them to provide me with the method of verification I again received a letter stating the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC
State: VA

Complaint narrative:
On XX/XX/2019 I sent a letter to Receivables Performance XXXX XXXX XXXX XXXX XXXX, WA, USA XXXX Requesting proof of debt and ownership. The company never responded yet continues to report the debt to the credit reporting agencies. I do not owe the debt and they are reporting erroneous information and refuse to delete it. In addition the company never sent me a letter notifying me of the debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
This company keeps putting unnecessarily holds on my money that has been paid to me. I have two cards on file with them, and one is a prepaid Pay Pal card that they issued me. They have held my money up since Friday. It no reason for this except being an unprofessional and lazy company. I need my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 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: TX

Complaint narrative:
I disputed 2 items on my credit report from XXXX XXXX i sent them letters on XX/XX/2019 i asked for the original contracts with my signature on them and the amount i supposedly owed because i have not had anything from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 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: MD

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any  information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 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: CA

Complaint narrative:
XXXX XXXX is trying to collect on an unknown debt for XXXX XXXX XXXX in the amount of {$450.00} dated XX/XX/2018. I have contacted them and the credit bureaus directly. No one has provided an original signed contract or any identifying documents such as my ID since the multiple requests. They want my information, rather than proving this unknown debt to me. Furthermore, who calculated the debt and how it was calculated. The credit bureaus response is to contact the collection agency, rather than investigating, they toss the issue back to the collection agency who then continues to report erroneous information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 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: CA

Complaint narrative:
XXXX XXXX is trying to collect on an unknown debt for XXXX XXXX XXXX in the amount of {$450.00} dated XX/XX/2018. I have contacted them and the credit bureaus directly. No one has provided an original signed contract or any identifying documents such as my ID since the multiple requests. They want my information, rather than proving this unknown debt to me. Furthermore, who calculated the debt and how it was calculated. The credit bureaus response is to contact the collection agency, rather than investigating, they toss the issue back to the collection agency who then continues to report erroneous information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Midland Funding, XXXX XXXX, sends me a document appearing to be an official court document, judgment threatening garnishment. I realized they just made up the document themselves. No court issued it. It even says it was certified by the court but there is no certification. I owe XXXX dollars. They bought old credit debt. I've already paid them a lot of money and confused about what they are even trying to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
My mortgage with XXXX XXXX XXXX was modified in XX/XX/2014 at which time I was not provided with an " Amortization Schedule. ". 

Thereafter the mortgage was sold to Select Portfolio Servicing ( SPS ) XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX.and I have made numerous requests from them for said Amortization Schedule however, they tell me that they can not provide me with one because " the mortgage was modified. '' This seems very unusual to me since I understand that HUD would allow for such information to be provided to the consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 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: CA

Complaint narrative:
XXXX XXXX XXXX is trying to collect on an unknown debt in the amount of {$650.00} dated XX/XX/2016. I have contacted them and the credit bureaus directly. No one has provided an original signed contract or any identifying documents such as my ID since the multiple requests. They want my information, rather than proving this unknown debt to me. Furthermore, who calculated the debt and how it was calculated. The credit bureaus response is to contact the collection agency, rather than investigating, they toss the issue back to the collection agency who then continues to report erroneous information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I r

ecently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inqu

iries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpos e. According to Sec tion 60 4 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Creditor : CAPITAL ONE Inquiry Date : XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation