vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
I RECENTLY SENT LVNV FUNDING LLC 2 LETTERS ON XXXX DISPUTING THE ALLEGED DEBTS SAYING THAT I OWE AND ASKING FOR VALIDITY OF THE ALLEGED DEBT THAT IS BEING REPORTING ON MY CREDIT.I HAVE ALSO ATTACHED A COPY OF BOTH THE LETTERS THAT I AM SENDING THEM CERTIFIED MAIL BELOW.PLEASE ASSIST ME IN THIS MATTER

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I placed a security freeze through all 3 credit  reporting agencies. On XX/XX/XXXX, I attempted to permanently remove the security freeze, as I was attempting to apply for a mortgage. On XX/XX/XXXX, I requested my credit run by XXXX XXXX Bank ; however, they indicated that my credit was still frozen. I called back the credit agencies ( Transunion and XXXX ), and was informed that my credit was not frozen. I could not get in contact with anyone at XXXX ; however, received a digital confirmation that they received my request to have my credit unfrozen. On XX/XX/XXXX, I requested XXXX to re-run my credit ; however, was still informed it was frozen, despite assurances to the contrary from each agency. I called the XXXX agencies noted above, and again was told it was not frozen. I was unable to get any information from XXXX, as their website indicated that my credit was not frozen, and I could not request to unfreeze my credit. 

On XX/XX/XXXX, I requested that XXXX XXXX run my credit, and again was told that all 3 agencies indicated that my credit was still frozen. I will be writing a certified letter this evening, to be mailed tomorrow to each agency, again requesting it to be unfrozen.

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 2020-08-31 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
To Whom It May Concern : On XX/XX/2020, XXXX, XXXX, and Experian are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

FOR XXXX 1. HIPPA VIOLATION REMOVE XXXX XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 2. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
3. Account Number : XXXX The Monthly Payment, Terms, Credit Limit, and Date of Last Payment are missing in this report. I demand this will be deleted. 


FOR Experian 1. HIPPA VIOLATION REMOVE XXXX XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 2. XXXX XXXX XXXX XXXX Account Number : XXXX The Monthly Payment, Terms, Credit Limit, and Date of Last Payment are missing in this report. I demand this will be deleted. 
3. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
4. Validate Account XXXX Account Number : XXXX Please supply information on how you have verified this item. 

FOR XXXX 1. HIPPA VIOLATION REMOVE XXXX XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 2. Validate Account XXXX Account Number : XXXX Please supply information on how you have verified this item.

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 2020-08-31 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
on XXXX I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ) < It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report, It has been well over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused 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 2020-08-31 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: AL

Complaint narrative:
File dispute with XXXX XX/XX/XXXX Contacted XXXX XX/XX/XXXX Contacted XXXX XX/XX/XXXX Derogatory reporting of past due account made purchase via XXXX promotional offer ... ... Payment XX/XX/XXXX days same as cash ... .payment was made within this timeframe. Payment was not late. Bill for item was deem cash payment within 30 days

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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: AL

Complaint narrative:
File dispute with XXXX XX/XX/XXXX Contacted Wayfair XX/XX/XXXX Contacted XXXX XX/XX/XXXX Derogatory reporting of past due account made purchase via XXXX promotional offer ... ... Payment XX/XX/XXXX days same as cash ... .payment was made within this timeframe. Payment was not late. Bill for item was deem cash payment within 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Panorama Mortgage Group, LLC
State: GA

Complaint narrative:
My realtor got in contact with XXXX XXXX XXXX to let her know I needed my credit score checked by XX/XX/2020 to prevent the hard check from lowering my score and instead have it be added to all the other credit checks I've ran to qualify for a mortgage. I submitted my application on XX/XX/2020 at XXXX XXXX and called Mrs. XXXX at XXXX. She immediately told me my score would be lowered regardless of when it was ran and also that she never received my application or even knew who I was. She was very rude and unwilling to explain anything to me. Her attitude was unnecessary and she made it seem like I was bothering her. I don't understand why she was not interested in hearing from a potential client. But I would like to report her.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, It has been well over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Conduent Incorporated
State: VA

Complaint narrative:
XXXX  ripoff Introduction : For two years now I have been trying to close an account call XXXX. The company 's website is XXXX, but it is own by conduent ( possibly an XXXX company or offshore outfit ). All my calls go to XXXX and they won't allow escalation to management for resolution. The company gives you a prepaid card where they charge you a monthly fee. The card is to be used for general medical purposes. 

Issue : The problem is once you open an account, they won't allow you to close it. If you keep calling, it will simply create new policies to keep your account open. They have delayed my closing process for two years while extracting fees. It is basically embezzlement by forcing you to keep the account open. 

Summary : Simply put, they won't close your account because they want to keep charging the monthly fees. 

Through two years of calls being put on hold as well as being transferred constantly to XXXX call centers, they manage to steal monthly fees worth almost {$100.00}. As of XX/XX/2020, the account is still not closed. I don't know what to do. I tried pleading and explaining, but they keep charging. 

Please help. I just want to close the account and get the two years worth of fees back. I also want to notify the proper American authority about this possible foreign scheme and prevent this from happening to other people. Again, they keep scheming you with fees by keeping the account open in perpetuity.

Below are the account information I have : XXXX XXXX  XXXX Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc.
State: AZ

Complaint narrative:
I sent a certified letter on XX/XX/20 tracking number # XXXX recd at agency on XX/XX/20 to the collection agency asking to send : dunning letter with signed proof of receipt., signed contract that I engaged with any service with this company. The company only provided statements again, not proof of any services contracted with the company. They have failed to provide this information that is supposed to be furnished under the Fair Debt Collections Practices act. When nothing was received by the merchant I sent a copy of the letter to the credit reporting agencies with tracking on XX/XX/1920 whom only reached out to the agency and they verified it as accurate when nothing listed above has been provided to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I placed a security freeze through all 3 credit reporting agencies. On XX/XX/XXXX, I attempted to permanently remove the security freeze, as I was attempting to apply for a mortgage. On XX/XX/XXXX, I requested my credit run by XXXX XXXX XXXX ; however, they indicated that my credit was still frozen. I called back the credit agencies ( XXXX and Equifax ), and was informed that my credit was not frozen. I could not get in contact with anyone at XXXX ; however, received a digital confirmation that they received my request to have my credit unfrozen. On XX/XX/XXXX, I requested XXXX to re-run my credit ; however, was still informed it was frozen, despite assurances to the contrary from each agency. I called the 2 agencies noted above, and again was told it was not frozen. I was unable to get any information from XXXX, as their website indicated that my credit was not frozen, and I could not request to unfreeze my credit. 

On XX/XX/XXXX, I requested that XXXX XXXX run my credit, and again was told that all 3 agencies indicated that my credit was still frozen. I will be writing a certified letter this evening, to be mailed tomorrow to each agency, again requesting it to be unfrozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I placed a security freeze through all 3 credit reporting agencies. On XX/XX/XXXX, I attempted to permanently remove the security freeze, as I was attempting to apply for a mortgage. On XX/XX/XXXX, I requested my credit run by XXXX XXXX XXXX  ; however, they indicated that my credit was still frozen. I called back the credit agencies ( XXXX  and XXXX ), and was informed that my credit was not frozen. I could not get in contact with anyone at Experian ; however, received a digital confirmation that they received my request to have my credit unfrozen. On XX/XX/XXXX, I requested XXXX to re-run my credit ; however, was still informed it was frozen, despite assurances to the contrary from each agency. I called the 2 agencies noted above, and again was told it was not frozen. I was unable to get any information from Experian, as their website indicated that my credit was not frozen, and I could not request to unfreeze my credit. 

On XX/XX/XXXX, I requested that XXXX XXXX run my credit, and again was told that all 3 agencies indicated that my credit was still frozen. I will be writing a certified letter this evening, to be mailed tomorrow to each agency, again requesting it to be unfrozen.

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 2020-08-31 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: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
On my XXXX home account is being reported and listed account status as derogatory, with all 3 credit bureaus. Last report was 2019, I am requesting that the derogatory account status be removed. This account is paid and I would like it to be reported as closed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I sent letters over 60 days ago to this bureau and they are disregarding a regular consumer disputes. I'm highly upset and have been sending letters before this with no response. They are clearly breaking the law and do not care to abide by it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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: MI

Complaint narrative:
XXXX XXXX is listed twice. Same account different dates, past due etc. Ive tried MULTIPLE times with Experian. They wont even allow me to submit the dispute.

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 2020-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MIDFIRST BANK
State: TX

Complaint narrative:
WHEN COVID-19 MY MORTAGE SIGN ME UP WITH A LOAN REPAYMENT PLAN NOW THEY REPORTTING ME TO ALL XXXX CREDIT OFFICE THIS HURT MY REPORT. THEY SAID I MISS XXXX XXXX XXXX. THANK YOU VERY MUCH

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 2020-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
I called the company on XX/XX/2020 to find out how to send over my police report and they refused to give me any information about the 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 2020-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Alpha Recovery Corp
State: NC

Complaint narrative:
Using an auto-dialer to call my cell phone. When I answer, no one is there

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
LVNV continues to report inaccurate information. I was not notified prior to credit agency reporting by LVNV. The information being reported has inaccurate Dates, and inconsistencies across reporting agencies. I have attached proof of inaccuracies based on my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I have disputed information with Experian on 3 separate occasions and have not been given any proof of verified information other than a message saying " information has been verified as accurate ''. The information that has been disputed are for the following accounts. It is my right that under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. The accounts that have been disputed are as follows : 1 )  XXXX XXXX  act # XXXX 2 ) XXXX XXXX act # XXXX 3 )  XXXX  XXXX act # XXXX 4 ) XXXX XXXX act # XXXX Initial formal digital dispute was done on XX/XX/2020 and Experian recognized the dispute on XX/XX/2020 and XX/XX/2020 ( as you will see in enclosed photos from their dispute center the recognition of the dispute, as well as a copy of the initial dispute that was uploaded ) 2nd formal dispute was sent via certified mail on XX/XX/2020 ( I have enclosed a copy of the receipt from USPS which verifies the tracking number # XXXX. Also enclosed is a copy of the 2nd dispute letter that was sent ) 3rd formal dispute was sent via certified mail on XX/XX/2020 ( I have enclosed a copy of the receipt from USPS which verifies the tracking number # XXXX. Also enclosed is a copy of the 3rd dispute letter that was sent ) I have NOT been provided a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

Experian has done nothing more than " update '' information that is not has not been proven to be mine or valid, or " verified '' that the information is correct. I have also enclosed a letter from 1 of the alleged creditors showing that they did not even open an investigation on 2 of the 3 disputes. Therefore, there is NO POSSIBLE WAY that Experian appropriately " updated '' or " verified '' the information they are reporting on my credit report. 
Several of the aforementioned accounts have already been removed from the other credit reporting bureaus for an inability to verify the validity and provide the legally required documentation for support as required by law. Further supporting my claims that Experian is falsifying to me that the information has been " verified '' as it is legally required by law that the creditor agency share the exact same information with all 3 credit reporting agencies.

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