vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-14 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: CA

Complaint narrative:
I am victim of identity theft. I have already contact the credit furnisher and they have verified that the ( Auto Loan with account number XXXX, opened XXXX XXXX, 2017 ) is fraudulent and sent me documentation to confirm that the account is fraudulent and for it to removed. I have provided this information to Experian and they have refused to remove this identity theft account. I have also supported my deletion request of this fraudulent account with the XXXX - XXXX Police Report, Federal Trade Comission File Report and the letter from XXXX XXXX XXXXXXXX. I am requesting that Experian remove this fraudulent account immediately using the supporting documentation that has been provided.

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 2020-05-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Good afternoon, I have applied for a mortgage and rate shopped with three lenders. According to the Consumer Financial Protection Bureau, shopping around for a mortgage will not have a negative affect on my credit score as it is considered 1 inquiry as long as it is done in a 45 day window. My credit score has dropped on all 3 of my credit checks for mortgages. I called all 3 credit bureaus and was told that that only applied if it was the same mortgage company. One tech even hung up on me. I even quoted the information on the CFPB website and was told that was incorrect. I am not able to dispute or have them correct the information so that it won't affect my score 3 times. 

The inquiries are : XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX  Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX Inquiry date : XXXX XXXX, XXXX Removal date : 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 2020-05-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Good afternoon, I have applied for a mortgage and rate shopped with three lenders. According to the Consumer Financial Protection Bureau, shopping around for a mortgage will not have a negative affect on my credit score as it is considered 1 inquiry as long as it is done in a 45 day window. My credit score has dropped on all 3 of my credit checks for mortgages. I called all 3 credit bureaus and was told that that only applied if it was the same mortgage company. One tech even hung up on me. I even quoted the information on the CFPB website and was told that was incorrect. I am not able to dispute or have them correct the information so that it won't affect my score 3 times. 

The inquiries are : XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX  Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: OK

Complaint narrative:
I am receiving threatening phone calls about a debt that is the result of Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from 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 2020-05-14 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: NV

Complaint narrative:
These are not my accounts. Please remove them. There are addresses, inquiries and names that I don't recognize.

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 2020-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ARVEST BANK GROUP, INC.
State: OK

Complaint narrative:
I am receiving threatening phone calls about a debt that 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 explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
This complaint is for Collection Bureau of America. They are being negligent and unfair. 
I tried to fix this issue witht them in the past, but I have not been heared. I really hope to get a fair solution to this issue, because is overwhelming. Account information : Collection Bureau of America Account # XXXX/Date Opened on report : XX/XX/XXXX, XXXX/Balance $ XXXX/Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX. 

Back on XXXX, I sent to Collection Bureau of America a rquest for debt validation. As of today, they have failed to investigate the item, and also to mark the account as disputed. These are two serious violations under the California Credit Reporting Act.  Also, they are reporting a wrong opening date. 

I am demanding a deletion letter for my records, and this item to be removed from my credit reports. 

Please send the attached documents to Collectin Bureau of America. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on 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 2020-05-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Good afternoon, I have applied for a mortgage and rate shopped with three lenders. According to the Consumer Financial Protection Bureau, shopping around for a mortgage will not have a negative affect on my credit score as it is considered 1 inquiry as long as it is done in a 45 day window. My credit score has dropped on all 3 of my credit checks for mortgages. I called all 3 credit bureaus and was told that that only applied if it was the same mortgage company. One tech even hung up on me. I even quoted the information on the CFPB website and was told that was incorrect. I am not able to dispute or have them correct the information so that it won't affect my score 3 times. 

The inquiries are : XXXX XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Mortgage Reporters Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX XXXX XXXX XXXX Mortgage  Companies Inquiry date : XXXX XXXX, XXXX Removal date : 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 2020-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Portfolio Recovery has reported a fraudulent charge as a collection account on my XXXX, XXXX  and XXXX  credit reports, the account has been previously corrected by the credit bureaus and blocked per [ 15 U.S.C. 1681c2 ], Portfolio Recovery changed the account number and/or creditor information for purpose of deceiving the credit bureau and reporting it as a new collection account on my credit reports. I have provided Portfolio Recovery with a copy of my ID theft police report as well as a copy of my FTC affidavit via certified mail and they continue to request documents which have already been provided and have refused to remove the negative information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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: NV

Complaint narrative:
These are not my accounts. Please remove them. There are addresses, inquiries and names that I don't recognize.

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 2020-05-14 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: NV

Complaint narrative:
These are not my accounts. Please remove them. There are addresses, inquiries and names that I don't recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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:
These accounts that are listed in this complaint are a result of identity theft. Please delete these accounts and block them from my credit report because I have not gotten anything form these companies.

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 2020-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
Hello CFPB, My name is XXXX XXXX and I am writing desperately to request your help. I've been trying for months hoping to resolve GM Financial 's error on my own, but the fact that my credit report was corrected and then went back to incorrect seems endless and frustrating. 

GM Financial Account Number : XXXX Balance : {$42.00} ( Wrong ) Status : Delinquent ( Wrong ) My account was in fact paid in full and closed. Below were my attempts to resolve the problem : 1. I  called GM Financial Customer Service twice in the past 2 months. The reps admitted it was their error and assured me to remove it. But no action taken in the end. 
2. I disputed with 3 bureaus. All 3 disputes were resolved in my favor and balance revised to 0. However, the delinquency came back later. 
XXXX  Report Number : XXXX ( Result attached ) XXXX  Confirmation Number : XXXX ( Result attached ) XXXX  File Number : XXXX ( Result attached ) The incorrect delinquency caused negative impact on my credit report. I'm seeking fair resolution with your help. 

Thank you very much! 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
Credit Alert Derogatory Account Reported By Commonwealth Financial Reported On XX/XX/2020 Account Balance {$2200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LJ Ross Associates
State: WI

Complaint narrative:
Over the past 14 months I've disputed a incorrect amount of a collection, via credit bureaus all of which results cone back " vaild debt or amount ''. Today with acknowledgment, I recorded the calls w/ LJ Ross collection agency , after XXXX and XXXX both supervisors told me that if I was disputed the amout of debt, the information would need to be confirmed through original creditor. XXXX, when asked how were LJ Ross to render a decision to credit bureaus over the past 13 months, WITHOUT verifying data..no answer was given. Upon calling XXXX  and speaking w/XXXX  he informed me that XXXX  no longer report to credit bureaus effective 2018, futhermore my account is listed as CLOSED, all and any information MUST come from LJ Ross. If LJ Ross is telling you they must call us to get information regarding your account to send you is INCORRECT ... XXXX went on to read XXXX  protocol in how they do not handle, deal or report to credit bureaus and went on to read that all consumers are referred back to the collection agency. When called back to inform XXXX another supervisor about information I just received, he asked that's not true ... and asked " so how much do you think you owe ''?, " we just need to get you a summary of your accont '',. When pushed him as to how this information was NOT already available, considering I made ANOTHER request XX/XX/XXXX, XXXX became defensive stating, I was being threatening '' ... .I called back to XXXX  to express my findings, and they opened another dispute and recommended that I file a complaint with CFPB, due to all the inconsistency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Good afternoon, I have applied for a mortgage and rate shopped with three lenders. According to the Consumer Financial Protection Bureau, shopping around for a mortgage will not have a negative affect on my credit score as it is considered 1 inquiry as long as it is done in a 45 day window. My credit score has dropped on all 3 of my credit checks for mortgages. I called all 3 credit bureaus and was told that that only applied if it was the same mortgage company. One tech even hung up on me. I even quoted the information on the CFPB website and was told that was incorrect. I am not able to dispute or have them correct the information so that it won't affect my score 3 times. The inquiries are : XXXX XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Mortgage Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
On XX/XX/2020-CMRE was paid in full and confirmed they will update and remove from my credit as agreed. 
The collection company is still reflecting I owe them and has not removed the accounts from my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 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: SC

Complaint narrative:
I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from 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 2020-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on 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 2020-05-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
checked my credit profile and these erroneous accounts were listed. 

Capital one XXXX Capital one 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 XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Good afternoon, I have applied for a mortgage and rate shopped with three lenders. According to the Consumer Financial Protection Bureau, shopping around for a mortgage will not have a negative affect on my credit score as it is considered 1 inquiry as long as it is done in a 45 day window. My credit score has dropped on all 3 of my credit checks for mortgages. I called all 3 credit bureaus and was told that that only applied if it was the same mortgage company. One tech even hung up on me. I even quoted the information on the CFPB website and was told that was incorrect. I am not able to dispute or have them correct the information so that it won't affect my score 3 times. The inquiries are : XXXX XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXXRemoval date : XX/XX/XXXX XXXX/XXXX XXXX XXXX Mortgage Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Good afternoon, I have applied for a mortgage and rate shopped with three lenders. According to the Consumer Financial Protection Bureau, shopping around for a mortgage will not have a negative affect on my credit score as it is considered 1 inquiry as long as it is done in a 45 day window. My credit score has dropped on all 3 of my credit checks for mortgages. I called all 3 credit bureaus and was told that that only applied if it was the same mortgage company. One tech even hung up on me. I even quoted the information on the CFPB website and was told that was incorrect. I am not able to dispute or have them correct the information so that it won't affect my score 3 times. The inquiries are : XXXX XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXXXXXX XXXX XXXX  Mortgage Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 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: AL

Complaint narrative:
These accounts were opened as a result of identity theft. I am requesting that these accounts be deleted and blocked from my credit because they do not belong to me. I have not received any merchandise from these companies or give them permission to open any accounts. Please delete

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