vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-05 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: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
I have inquries on my credit I did not do or 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 2019-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been trying to get in contact with Experian since XX/XX/XXXX as they are reporting that I have had no credit history for the last 3 years. The latest report that they show for me is from XX/XX/XXXX. Experian also shows my credit score at XXXX  and XXXX in the XXXX - when those two companies show me with a credit score of over XXXX when logging into their sites. I have been trying to fix this with Experian but am not getting any reply. Their website claims every day since the XXXX of XXXX that they are experiencing technical difficulties and disputes can not be filed. I have also tried 7 different listed phone numbers and can not get through to a person or receive help from the automated messaging. I have also reached out to them via XXXX in hopes to get this resolved.

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 2019-09-05 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: NY

Complaint narrative:
My identity was stolen and misused to open up fraudulent utility accounts at unknown addresses without my knowledge or consent.

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 2019-09-05 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: NY

Complaint narrative:
My identity was stolen and misused to open up fraudulent utility accounts at unknown addresses without my knowledge or consent.

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 2019-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FRESNO CREDIT BUREAU
State: CA

Complaint narrative:
These various companies have attached these debts to my credit profile. They are as follows : 1. XXXX XXXX XXXX  {$310.00}, XX/XX/2019 2. XXXX XXXX XXXX {$2100.00}, XX/XX/2019 3. Creditors Bureau USA {$500.00}, XX/XX/2019 4. XXXX   XXXX  {$1000.00}, XX/XX/2019 5. XXXX XXXX {$510.00}, XX/XX/2019 6. XXXX XXXX XXXX {$360.00}, XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: TX

Complaint narrative:
I was late on my monthly payment - the company offered me a plan to pay a lower amount - instead of {$420.00} I was supposed to pay {$350.00} for six months. The company asked me to send some documents by fax like proof of salary, insurance - I did it twice and they said the documents were not legible - after that they asked me to send the documents by regular mail to an office in XXXX - I did it and they insisted those documents could not be read - they asked me to pay {$600.00} dollars but when I tried to pay they said they can not accept the money because they were having problems with the computer. Every time I offer to pay they refused to accept the money, and instead accepting payments they threaten me that if I dont pay them XXXX XXXX dollars they will repossess two cars. I offered to pay them {$450.00} dollars every two weeks and the company refused to accept the money. I dont want the plan they offered me - I just want the company to accept my payments every two weeks but I can not do it online and they dont accept the money by phone unless is the whole amount of XXXX XXXX dollars. I have the names of all the employees with whom I have been in contact with and I have the impression their behavior is like the strategy the XXXX XXXX employees had from their bosses to make the situation worse for the people with mortgages that led them to lose their property and even the health of their children.

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 2019-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BB&T CORPORATION
State: NC

Complaint narrative:
Overdraft applied and posted while transactions still pending .... 
Argumental document provided by bank not even in chronological order. 

I HAVE SEVERAL EMAILS AND COMMUNICATIONS IF FURTHER DOCUMENTATION IS NECESSARY

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 2019-09-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This letter is to inform you that the above referenced account being reporting by your company on my credit reports is hereby disputed for lack of completeness and/or accuracy. 
I recently disputed this account with the credit reporting agencies, and the information was reported as verified and accurate. Im sure we both understand that most disputes are often conducted using software, such as XXXX, and that mistakes can be made during that process. The software can also have limitations when it comes to completing a full and proper investigation of records. 
I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation to ensure the complete accuracy of the account being furnished to the credit reporting agencies. 
If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. 
If you were able to conduct a proper investigation of the records for this account, and have identified information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. 

I am also requesting that you send me an explanation of the methods used, and a description of the records reviewed, when you conducted your investigation ; including, but not limited to, sending a copy of that information to me so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. 
This letter was completed and sent to you on my own accord, and all correspondence related to this dispute should be returned to me at the address listed above. This letter is an attempt to correct the false or misleading information you are reporting on my credit reports and to correct your records.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
the student loan place on my credit report has not been verified with the origninal loan signed promissary note by the loan service company XXXX. The service company XXXX, told me they did not have the original promissary. so they put one together with the consolidate loan info, which also does not have my signature, an is not the orginal promissary note, they did not prove the load to be mine, besides the document they put together for the missing promissary not, they do not have attendance records or original loan documents. 

I need to have the loan removed from my credit report since they have not proven the loan to be mine.

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 2019-09-05 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: NY

Complaint narrative:
the student loan place on my credit report has not been verified with the origninal loan signed promissary note by the loan service company XXXX. The service company XXXX, told me they did not have the original promissary. so they put one together with the consolidate loan info, which also does not have my signature, an is not the orginal promissary note, they did not prove the load to be mine, besides the document they put together for the missing promissary not, they do not have attendance records or original loan documents. 

I need to have the loan removed from my credit report since they have not proven the loan to be mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 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: NY

Complaint narrative:
the student loan place on my credit report has not been verified with the origninal loan signed promissary note by the loan service company XXXX. The service company XXXX, told me they did not have the original promissary. so they put one together with the consolidate loan info, which also does not have my signature, an is not the orginal promissary note, they did not prove the load to be mine, besides the document they put together for the missing promissary not, they do not have attendance records or original loan documents. 

I need to have the loan removed from my credit report since they have not proven the loan to be mine.

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 2019-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH

Complaint narrative:
I have reviewed my Credit report and found several account unrecognized items from your office ARS # XXXX. I don't remember doing any business or having having a contract for services.However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, ARS failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) ARS failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation ARS is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or co-debtors. FDCPA I fail to see where ARS is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.ARS has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately.

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 2019-09-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nationwide Recovery Systems, Ltd
State: WA

Complaint narrative:
Three years ago I received services at XXXX Hospital. I was never sent any bills stating that I owe them money. On my credit report it showed that I had an account in collection from XXXX XXXX XXXX XXXX. Now it shows on my account as a new collection as of XX/XX/2019. It states that my old collection has been sold to Nationwide Recovery and it appears that they have re-aged my collection information. 

I have not received any information that this account was sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 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: OH

Complaint narrative:
I have reviewed my Credit report and found several account unrecognized items from THE CREDIT BUREAUS office XXXX XXXX XXXX XXXX ***, XXXX XXXX XXXX # XXXX****, XXXX XXXX XXXX***. I don't remember doing any business or having having a contract for services.However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or co-debtors. FDCPA I fail to see where XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.XXXX has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately.

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 2019-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have reviewed my Credit report and found several account unrecognized items from THE CREDIT BUREAUS office XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX. I don't remember doing any business or having having a contract for services.However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) ARS failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or co-debtors. FDCPA I fail to see where XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.ARS has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately.

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 2019-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have reviewed my Credit report and found several account unrecognized items from THE CREDIT BUREAUS office XXXX XXXX XXXX XXXX ***, XXXX XXXX XXXX # XXXX****, XXXX XXXX XXXX***. I don't remember doing any business or having having a contract for services.However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or co-debtors. FDCPA I fail to see where XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.XXXX has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
I have been getting about 10-15 calls a week anywhere between XXXX XXXX and XXXX XXXX  from Midlands Credit Bureau for 6-8 months, to which I have requested to all of them to send me a debt verification letter which I still have not been sent. I have been given no information about the original debt amount which is significantly less than the amount they are requesting ( which is why I have repeatedly asked for a debt vertification ). I've requested that they only contact me in writing and that they send me a debt verification before I continue any negotiations with them, which has been completely disregarded. When I state that I am not interested in speaking on the phone until I get a vertification, the agents get hostile and aggressive, refusing to allow me off the call even when I make it clear I can not be on my phone/have my phone ringing during work. Its become extremely harrassing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AE

Complaint narrative:
Bank of America is reporting a collection account on my XXXX credit report that doesn't belong to me. I am not the account holder, I was an authorized user on the account. The last update was XX/XX/2019. Account balance is {$1000.00} Amount owed is {$1200.00}. Its reporting 120+ days late. I have disputed the information, and it has come off the other two CRAs.

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 2019-09-05 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: MO

Complaint narrative:
I have filed disputes with Experian on a few different accounts that werent mine. After going through great lengths to try to prove why the account shouldnt be on my credit report, Experian refuses to do anything. The same accounts were disputed from the other reporting companies and removed. I feel like they put zero effort into getting facts, or protecting me from fraudulent activity. Within a matter of a day or two I received notification that their investigation was done! How can they do a thorough investigation in that time frame?? They leave past diehard hits on my credit report-past the 2year Mark. I was also informed by them once that I couldnt dispute the same thing without new documents and even then I need to wait 30days. I feel they are workin with the creditors and against the people. This last dispute I filed with CFPB because they were refusing to remove it, even though XXXX XXXX had. The company responded to remove it, yet its still reflecting on my credit report. I was just denied a business credit card because of it ( I thought it had been removed when I applied ) so now I have another hard hit and denial because of the false reporting of a bad account and the number of credit hits Ive had. Something needs to be done with them. They our branch to other countries when you call in to speak with someone. You cant even understand them and they are rude and unhelpful. The XXXX agreed to remove the same account wehadto complain about with a different reporting agency. They just sold it. So this is 2x with the same account. If they had really investigated they would have seen that. Why does XXXX figure it out but they cant? This account was closed with our CFPB complaint. It should have been removed by now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-05 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: IL

Complaint narrative:
This company is shown on my account as closed but it does not belong to me at all. I need it to be deleted immediately.

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