vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-17 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: GA

Complaint narrative:
I recently reviewed my Experian credit report and noticed fraudulent account on my credit report. I have sent Experian several correspondence such as FTC Identity theft report and police report stating that the fraudulent account is not mine but Experian refuses to block and remove this account. I have attempted to upload documents on their online portal www.experian.com/upload but every time I call them to verify documents received, they always tell me that the documents are illegible. At that point, I started just mailing the documents and still they are not blocking and removing the fraudulent account under FCRA within four days. Therefore I am reaching out Consumer Financial Protection Bureau to help resolve my issues with Experian. I am requesting for the following fraudulent account to be removed and blocked immediately under FCRA : 1. XXXX XXXX XXXX Account # : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-17 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: NY

Complaint narrative:
I have in previous letters to Experian ( most recent attached ) asked to have XXXX XXXX XXXX ( Supposed Bankruptcy ) Re-Investigated pursuant to the Fair Credit Reporting Act, Their response has been that the item was verified as mine per a third party Data  Furnisher XXXX in XXXX 2019. I have informed them and provided proof that they could not have verified these items with XXXX as I have a letter from them stating that my file with them has had a Security Freeze on it Since XXXX of 2019. It is impossible for them to have verified any information with them and my Consumer Rights have been Violated by their inaction to correct the matter.

Also, I have challenged several Credit Inquiries as not having my authorization for the hard pull on my Experian credit file. They refuse to provide me with any proof that they are mine such as a hard signature etc. I have stated that these companies did not have permissible purpose to do a hard inquiry by me and that they should be removed.

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 2020-01-17 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:
In XXXX, XXXX XXXX in clear violation of fora places a collection account on my Experian report falsely stating an account with XXXX is in collection. 
I have never had a credit account with XXXX, upon further investigation I discovered that XXXX XXXX is falsely claiming credit for a returned purchase to XXXX. 
I disputed said account with Experian and it was deleted in XXXX. 
On XX/XX/XXXX in another clear violation with fcra laws XXXX places same said account under collections with Experian by falsifying account number and dates. 
Experian in violation fcra law that requires 5 day notification before said account is listed and without information to confirm said debt, placed derogatory information on my credit report to my detriment again after it was deleted in XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-17 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WAKEFIELD & ASSOCIATES, INC.
State: OR

Complaint narrative:
In late 2018 I somehow have a debt for some medical services that should have been paid by the state system

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
XX/XX/XXXX- First contact with XXXX. They left me a voicemail stating that have a Case number XXXX that they are filing with XXXX County in Texas on behalf of Ace Checking Cash. Their phone number is XXXX I spoke with multiple people and agreed through their automated system to make 3 months payment to pay of {$640.00} balance. I requested confirmation for setting up the payment, paperwork to validate the debt, and a letter identifying who they are. They refused to send anything. 

XX/XX/XXXX- spoke with XXXX XXXX XXXX Requested an itemize of the amount owed/debt validation letter and a confirmation of the payments scheduled to draft my account monthly. She responded and said they won't send anything until it is paid off. She advised they only way to get what I want is to stop the monthly payments and they will take me to court. I asked her are they able to practice law in the state of Texas and she never gave me an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 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: FL

Complaint narrative:
Good morning, an account from XXXX XXXX XXXX {$1300.00} keeps showing on my credit report and I believe it to be fraud. I have not had any business with this company nor authorized anyone to use my information to obtain credit and now this negative account is tarnishing my already great credit rating. Please help me remove this account in a timely manner.

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 2020-01-17 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
Radius Global Solutions has been calling my phone everyday! Sometime 2 to 4 times a day from 2 different numbers as early as XXXX and as late as XXXX. Previously, I spoke with them to let them know that I do not owe any monies as all of my hospital debt has been paid to the hospital. However, this company continues to call my phone EVERYDAY from the two numbers : XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: HW Holding, Inc
State: TX

Complaint narrative:
I moved into the house and made my report of everything that needed. The realtor guaranteed that everything would be fixed within 30 days. The house was unsafe with tiles broken that cut my foot walking across it, the stairs were completely broken and my mother almost fell off due to it. The realtor sent a guy out and all he did was dig a brick out of my yard and put it under the stairs to try and prop it up and the problem wasnt solved as as soon as I stepped on the stairs it feel apart again. After that the problem was never addressed again. I made multiple reports and had many conversations with these problems with no response to fix the problem. They did come to fix the tile bye adding grout but that came out within a few weeks and the problem returned. I also reported that there were holes and gaps in the flooring and rats and snakes got into the house. They didnt fix it either. So after 4-5 months of this I had no choice but to move out as it was completely unsafe to have my kids and family in. I broke the lease as they wouldnt fix the issues. I paid my rent on time every month regardless of the problems not being fixed and they had no concerns about fixing the issues. I went bye the house less than a week later to get my mail and someone else was already living there and they want to report on my credit report. And I didnt owe them any rent as I was not behind. What was I supposed to do stay in a unsafe house. I dont think so

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Commonwealth of Virginia and XXXX XXXX investigation are still open disputes, have been open for several months now. I would like all disputes on my equifax report to be closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-17 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: FL

Complaint narrative:
Good morning, an account from XXXX XXXX XXXX {$1300.00} keeps showing on my credit report and I believe it to be fraud. I have not had any business with this company nor authorized anyone to use my information to obtain credit and now this negative account is tarnishing my already great credit rating. Please help me remove this account in a timely manner.

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 2020-01-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX of Virginia and XXXX XXXX investigation are still open disputes, have been open for several months now. I would like all disputes on my equifax report to be closed.

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 2020-01-17 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: VA

Complaint narrative:
Commonwealth of Virginia and XXXX XXXX investigation are still open disputes, have been open for several months now. I would like all disputes on my XXXX report to be closed.

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 2020-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: VA

Complaint narrative:
Convergent sent a letter about a XXXX XXXX account that was paid in full XX/XX/2019 through a collection company called XXXX XXXX XXXX in the amount of {$230.00}.

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 2020-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I had a checking account with wells Fargo with approximately 4800.00 in it. All of this vanished without any notices whatsoever. What's worse is they claim to have no record of my account or anything about me. All my files relating to the account we're tragically burned in an unfortunate fire. So you see my predicament.

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 2020-01-17 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:
Attached document shows various information of fraud that has happen for quite some time on credit report. I have all documentation attached to this email as 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 non-monetary relief
Consumer complaint received 2020-01-17 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: CT

Complaint narrative:
Unfortunately I believe I have been a victim of identity fraud. My information must have been compromised during the XXXX  hack or elsewhere because I have accounts showing on my credit report that have no connection to me nor did I ever do business with. Please help me get this issue resolved and get my credit report back to normal before these accounts showed up. They are a credit center company and its reporting 3 times which is super suspicious and also a receivables outsourcing looks like another collection company also and a eastern account system which is also reporting twice. I would appreciate your professional help in this matter. Thank you.

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 2020-01-17 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:
Attached document shows various information of fraud that has happen for quite some time on credit report. I have all documentation attached to this email as 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 2020-01-17 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:
Attached document shows various information of fraud that has happen for quite some time on credit report. I have all documentation attached to this email as necessary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AES/PHEAA
State: NY

Complaint narrative:
My accounts at Fedloan Servicing are paid/closed currently but the company is still making pay despite my proof. I tried contacting them to resolve the issue but they refuse to close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 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: TN

Complaint narrative:
I have previously reported these accounts as inaccurate and they were remove. Now they are reporting as closed negative accounts on my credit please help me resolve this issue for a final time. The following accounts need to be BLOCKED AND DELETED from my credit file please. 

XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$480.00}

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 2020-01-17 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: CT

Complaint narrative:
Unfortunately I believe I have been a victim of identity fraud. My information must have been compromised during the XXXX hack or elsewhere because I have accounts showing on my credit report that have no connection to me nor did I ever do business with. Please help me get this issue resolved and get my credit report back to normal before these accounts showed up. They are a credit center company and its reporting 3 times which is super suspicious and also a receivables outsourcing looks like another collection company also and a eastern account system which is also reporting twice. I would appreciate your professional help in this matter. Thank you.

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 2020-01-17 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: CT

Complaint narrative:
Unfortunately I believe I have been a victim of identity fraud. My information must have been compromised during the Equifax hack or elsewhere because I have accounts showing on my credit report that have no connection to me nor did I ever do business with. Please help me get this issue resolved and get my credit report back to normal before these accounts showed up. They are a credit center company and its reporting 3 times which is super suspicious and also a receivables outsourcing looks like another collection company also and a eastern account system which is also reporting twice. I would appreciate your professional help in this matter. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-17 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: TX

Complaint narrative:
Hi, I hope you're all doing great. I'll be straight, I need these following accounts to be investigated as they seemed to be either INACCURATE, INCORRECT, and UNKNOWN to me within my knowledge. I have listed the wrongs I have noticed below. Ive actually tried again and again to make sense of what Im seeing. 
Unfortunately, I cant make heads or tails of this and need your help. Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. If you would, please investigate these items and send me a new credit report reflecting the changes. I would appreciate it if youd expedite this because I need to apply for a job

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
In XX/XX/2018, I was given a promotion at work that also adjusted my pay from salary to commission. After accepting the position, I immediately called all of my creditors to see if any would be willing to delay my payment due, as I knew it would take roughly four weeks for me to receive my first commission based payout. I spoke at length with Capital One 's customer service rep, and he set up a payment, double what I normally paid monthly, for XX/XX/XXXX, and assured me multiple times that if I made the payment according to his instructions that the account would be and remain in good standing. I did exactly as told, but the account was still reported as 30-days past due. In following up, multiple times, Capital One has refused to acknowledge or rectify their mistake. I am a mortgage loan originator and deal with personal credit all day, every day. I would never, ever have chosen to make a late payment with Capital One without their explicit and express agreement, consent, and guarantee that the account would remain in good standing. I would have just made the payment if I had been told that a payment plan/delay was not an option or would threaten the status of the account. I have never missed a single payment with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Allied Collection Services, Inc. (Nevada)
State: TX

Complaint narrative:
XXXXXXXX XXXX sent the Medical - Dental - account to Allied Collection Services, the Collection Agency. 
Prior, I did not receive notice of the debt being forwarded. On many occasions, Id requested that XXXX XXXX the original creditor validate the debt i.e original contract if any or services received accompanied by the actual charges but never received any response from the Dental Office. 
The Creditor is unable to validate the debt and I do not recall the charges or the amount. 
Since reporting with Allied Collection Services that amount had escalated in comparison to letter Id received from XXXX XXXX. These false statements and representations are adverse to my credit, in addition to the company 's inability to verify the debt and prove they are trying to collect an amount not owed or the wrong amount.

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