vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: GA

Complaint narrative:
On XX/XX/2021, I sent IQ Data International a certified letter requesting debt validation on an alleged debt they added to my credit reports without sending me a dunning letter. They ignored my request and continue to report this alleged debt to the credit reporting agencies. 
I need them to close this account in their office and delete this alleged off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: AZ

Complaint narrative:
The credit bureaus are illegally reporting inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: TX

Complaint narrative:
I am a natural living and breathing person ; consumer by the name of XXXX XXXX XXXX. I am submitting this information with my own free will and I am not being coerced by any third party or agency. As of XX/XX/2022 I reviewed my consumer report and noticed that you are in violation of my rights by committing fraud, reporting that I owe an alleged debt that I have no knowledge of. I hereby refuse this alleged debt. Pursuant to the Fair Debt Collection Practices, 15 USC 1692g, I am requesting a DEBT VALIDATION. I demand documentary evidence which shows that I legally owe you an alleged debt. 
I am also aware that you are violating my rights Pursuant to the Fair Credit Reporting Act,15 USC 1681b ( a ) ( 2 ) to be exact, I do not know who you are and I never gave you the authority to report any items to my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: ENOVA INTERNATIONAL, INC.
State: AL

Complaint narrative:
I am reaching out to you to complain about the credit reporting agencies and companies that have ignored request for removal. The following accounts are not mine and must be removed immediately XXXX, NC Financial, XXXX FCU, XXXX Card. I am a victim of Identity Theft. I have contacted XXXX, XXXX, XXXX on 5 different times with no removal. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts. Not only have I not given the credit reporting agencies written consent to furnish my consumer report at no time per 15 USC 1681b. I am prepared to file with the federal courts about the continuous back and forth with the credit reporting agencies who clearly know that they are in violation of the law. It clearly states that once I notify each credit report agency of my identity theft a removal of the account or information is to be removed while under investigation. I as the the consumer is also the person to identify this information for validation but not one person has called me to verify anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: LA

Complaint narrative:
I tried reaching out to this bureau several times about this account that does not belong to me and inquiries that do not belong to me. this information is fraudulent and i want it investigated and removed from my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I started my mortgage process with Chase Bank in early XXXX of XXXX. The first problem was how long it took them to process the application and get it through underwriting. I kept asking my original loan officer, XXXX XXXX, what was taking so long, and she just kept asking me for more and more documents. Finally, on XX/XX/XXXX or XXXX ( I don't remember which ) of XXXX I was told that the refinancing mortgage had been approved by underwriting and they scheduled the closing for XXXX XXXX on XX/XX/XXXX at XXXX XXXX in XXXX, TX. I was told that because I was refinancing a rental house, I had to go in person to Texas to sign the documents ( one of many things that were false I have since found out ). I live in Illinois at this time, even though my rental property is in Texas. 

I booked my flight, rented a car, and arranged for a house sitter. Chase sent me a final closing disclosure document on XX/XX/XXXX. I was literally on the way to the airport on XX/XX/XXXX when I received a call from the title company that they had not received closing documents from Chase. I tried to call both of the two people ( XXXX XXXX or XXXX XXXX ) that I had been working with at Chase and was unable to reach either of them. I emailed them and got no response. After about XXXX an hour ( and now almost at the airport ) and many phone calls attempting to reach someone, I got a call back from a woman who was covering for XXXX XXXX, who knew nothing but was checking into it after having read my email. Eventually she called me back and said that no, Chase was not going to close on my loan that Saturday. She did NOT tell me that it was not going to close at all at that time. 

Later that day ( now after 5 and after I had cancelled my flight ) she called me and told me that Chase was not going to be able to close on the loan at all. I was never given a reason why and now that six months have passed since I started this process, interest rates have gone up. I find it grievously wrong that they took six months to process the application, and then didn't even have the courtesy to call me themselves to tell me that the loan was not going through. I had to hear it from the title company! I still haven't heard from either of the two people that I was dealing with ( XXXX XXXX or XXXX XXXX XXXX directly. 

I have lost both money and time due to Chase 's incompetence and poor handling of this matter. I should have had either a new mortgage or a decision that it wouldn't be possible within 60 days of my initial application. I will tell everyone I know to NEVER use Chase for a mortgage unless they want to lose time and money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: LA

Complaint narrative:
Incorrect information on my credit report Sub-issue : Information belongs to someone else date open : XX/XX/2021 amount : {$210.00} XXXX date : XX/XX/2021

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 2022-01-19 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: AZ

Complaint narrative:
The credit bureaus are illegally reporting inaccurate information 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 non-monetary relief
Consumer complaint received 2022-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
I am a natural living and breathing person ; consumer by the name of XXXX XXXX XXXX. I am submitting this information with my own free will and I am not being coerced by any third party or agency. As of XX/XX/2022 I reviewed my consumer report and noticed that you are in violation of my rights by committing fraud, reporting that I owe an alleged debt that I have no knowledge of. I hereby refuse this alleged debt. Pursuant to the Fair Debt Collection Practices, 15 USC 1692g, I am requesting a DEBT VALIDATION. I demand documentary evidence which shows that I legally owe you an alleged debt. 
I am also aware that you are violating my rights Pursuant to the Fair Credit Reporting Act,15 USC 1681b ( a ) ( 2 ) to be exact, I do not know who you are and I never gave you the authority to report any items to my consumer report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a natural living and breathing person ; consumer by the name of XXXX XXXX XXXX. I am writing this complaint with my own free will and I am not being coerced to write this complaint by any third party or agency. As of XX/XX/2022, I reviewed my consumer report and noticed that you are in violation of my rights, please review the attached documents to see my complaint.

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 2022-01-19 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: WA

Complaint narrative:
I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
I don't believe Apple and Goldman Sachs are complying with federal regulations on credit cards. On XX/XX/XXXX I opened a dispute for a problem with a product of {$670.00} - at XXXX XXXX. The deadline for the merchant to respond has passed. I was informed that I would receive a provisional credit, but the credit never arrived. 
I was further informed that the dispute is resolved within 90 days. Today is XX/XX/XXXX and it's been more than 110 days since I have no provisional credit, and the problem has not been resolved, no credit back. I spoke for hours with supervisors on XX/XX/XXXX by phone, and the answer is simply, we don't know what happened. 

Disputes are not being processed correctly under XXXX XXXX. 
I need a solution urgently. This can not happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Stenger & Stenger, P.C
State: KY

Complaint narrative:
I received a civil court summons for {$720.00} from Stenger and Stenger... attempting to collect for XXXX XXXX  from the originated with XXXX XXXX XXXX 

I have disputed the accuracy of the {$720.00} multiple times in 2021 as well as replied back to a paper bill from XXXX  and requested documented validation of ownership and accuracy. 

I never received it. On XXXX I received a civil summons and I still do not have documented validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: WA

Complaint narrative:
I have been dealing with unauthorized use of my personal information. Which result in unauthorized items 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 non-monetary relief
Consumer complaint received 2022-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
In XXXX of XXXX, I spoke to a representative named XXXX at Mr. Cooper who assisted me with starting an application for a refinance of my home. XXXX informed me that my credit would not be affected by this application however, he processed it incorrectly and it did affect my credit. When I noticed it did, I asked XXXX if a manager would assist me. The manager XXXX informed me that it would be removed. He informed me that XXXX was new and incompetent and that he would assist me. In XXXX of XXXX, I spoke with XXXX who was very assertive and claimed he would make sure it was removed from my credit report however, nothing happened. XXXX was very abrasive and very short over the phone. I contacted him several time by phone however he never responded. From XX/XX/XXXX to XX/XX/XXXX of XXXX ( I have emails ), I spoke with XXXX via email who asked for much of my information as if he was assisting me with removing the inquiry. XXXX did not help me in removing the inquiry. As of today, this inquiry is still on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Southwest Collection Services, LLC
State: TX

Complaint narrative:
on XX/XX/2016 a medical collection was added to my credit report that i had no knowledge of

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX To Whom It May Concern : This letter is a formal complaint that you are reporting inaccurate credit information. 
I am very upset that you have included the below information in my credit profile due to its damaging effects on my credit standing. I have been wrongfully denied credit recently which was very stressful for me. 
The inclusion of this inaccurate information is a mistake on either your, or the reporting creditor 's part and I am formally requesting an investigation into these items. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The terms reported is incorrect, please DELETE. 

By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute. 

Thank you for your prompt attention to this matter. I apologize for being so upset, however, your mistakes are causing me a world of trouble. 


Please DELETE/ UPDATE the above accounts as quickly as possible. 

Sincerely, XXXX XXXX XXXX # XXXX DOB : 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 2022-01-19 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: LEXISNEXIS
State: AL

Complaint narrative:
I have fraudulent addresses that keep reporting on my consumer report please delete these addresses from my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CONGRESS COLLECTION CORP
State: MI

Complaint narrative:
Medical bill debt collection that has been paid. Requesting that the Congress Collections Agency remove the collection totaling {$130.00} from my XXXX and XXXX credit reports. I can verify that this account was paid

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Stuart-Lippman and Associates, Inc
State: NY

Complaint narrative:
I received several annoying phone calls from Stuart-Lippman and Associates , Inc. On XX/XX/2022 at XXXX XXXX XXXX called this company to enquire about the annoying calls that I was receiving, I spoke to XXXX, who refused to give me her last name, but connected me to XXXX, whose last name sounds something like XXXX. I explained to her that their company was making mistake and Oh my XXXX, she took off on me like a pitt bull. I was extremely surprised because I never knew that a customer service representative could be so abusive to someone on the other line the way she was talking to me it ridiculous. This representative claims I owe XXXX which I do not know about. Then I visited the credit bureau and saw the XXXX plus XXXX. Now that's vindictive. Consumer Finance how could a company operate like with such anger to someone on the other line. How could they abuse their authority like that. I had called to inquire about the erroneous debt that I was being accused of owning and that's what I encountered. This company Stuart-Lippman and Associates is very malicious and inhumane. I never heard about this company before now and after this I would not want to hear from them again. I don't have a contract with them how could they have the audacity to boldly destroy someone's credit just like that. My only debt is my student loans. I would like this company to be reprimanded to the highest degree. They treated people like animals and that's not right. So after XXXX XXXX disrespected, then she asked if I was going to pay up I said no. Then she hung up the phone in my face. At XXXX I called again and spoke to XXXX and requested to speak to a supervisor, she the transfered me into someone's voice mail. Please investigate their aggressive and abusive behavior towards the public, it's obnoxious and distasteful and should be stopped immediately. They are destroying innocent peoples ' life who is trying to make it in society. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
I am reaching out to you to complain about the credit reporting agencies and companies that have ignored request for removal. The following accounts are not mine and must be removed immediately XXXX, NC XXXX, XXXX XXXX, JPMCB Card. I am a victim of Identity Theft. I have contacted XXXX, XXXX, XXXX on 5 different times with no removal. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts. Not only have I not given the credit reporting agencies written consent to furnish my consumer report at no time per 15 USC 1681b. I am prepared to file with the federal courts about the continuous back and forth with the credit reporting agencies who clearly know that they are in violation of the law. It clearly states that once I notify each credit report agency of my identity theft a removal of the account or information is to be removed while under investigation. I as the the consumer is also the person to identify this information for validation but not one person has called me to verify anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: Thaxton Investment Corporation
State: AL

Complaint narrative:
I am reaching out to you to complain about the credit reporting agencies and companies that have ignored request for removal. The following accounts are not mine and must be removed immediately XXXX, NC XXXX, XXXX XXXX, XXXX XXXX. I am a victim of Identity Theft. I have contacted XXXX, XXXX, XXXX on 5 different times with no removal. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts. Not only have I not given the credit reporting agencies written consent to furnish my consumer report at no time per 15 USC 1681b. I am prepared to file with the federal courts about the continuous back and forth with the credit reporting agencies who clearly know that they are in violation of the law. It clearly states that once I notify each credit report agency of my identity theft a removal of the account or information is to be removed while under investigation. I as the the consumer is also the person to identify this information for validation but not one person has called me to verify anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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 — Other problem getting your report or credit score
Company: Advanced Resolution Services Inc.
State: GA

Complaint narrative:
On XX/XX/2022, I consumer XXXX XXXX, sent XXXX a request for my consumer report. They have not supplied me with a copy of my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Webcollex, LLC
State: WA

Complaint narrative:
This company is called CKS financial XXXX XXXX  XXXX. Reference number is XXXX. They say I have an account XXXX XXXX NA unpaid for the amount of {$910.00}. I have neber opened any bank account or credit line with XXXX XXXX  ever. Its not even on my credit report. They call repeatedly and never leave a message from XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation