vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Patenaude & Felix A Professional Corporation
State: NV

Complaint narrative:
I received a bill in the mail from Patenaude & Felix Collections to try and settle for a debt that was originally owned by XXXX XXXX ( original creditor ) that was reported negatively on my credit reports with XXXX, XXXX, and XXXX. I am a victim of identity theft and I do not recognize this alleged debt of {$1500.00}. I am disputing the validity of this debt that Patenaude & Felix now has. This alleged debt does not belong to me. I am requesting for Patenaude & Felix to " Cease & Desist '' all contact and communication with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax Data Breach XXXX  I filed my claim for free credit monitoring in XXXXXX/XX/XXXX. 
I received no email or contact verifying this but read that many people also did not receive information back and that the company would send out a code after the court settlement was finalized which turned out to beXX/XX/XXXX ... the day after the final date to file a claim. I have been a customer of Equifax paying {$19.00} a month since well before the breach. I filed a claim for free credit monitoring since I felt whoever took the information would be using it at a later date. It is now well after the date to file and conveniently the settlement did not start until you received your response AFTER the claim date so if there was a problem with your claim there is nothing you can do about it. They are saying they can not find my claim now ... and sorry- too late to do anything about it. I feel more like a victim now than after the breach!! I I feel that their waiting until after the final claim date to notify you was just a sly way of cheating breach victims out of their recourse. Please help with this issue!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX has confirmed and processed paid in full medical debt and sent over receipt of payment to credit bureaus to have this debt removed. The credit bureaus are reporting a duplication of this debt ( Reporting twice for {$100.00} ) and has still failed to update and remove from report per creditor instructions. The creditor has confirmed this information was sent to the bureaus to update and remove ASAP.

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 2020-04-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have three credit cards with Synchrony. They increased my credit line on all three cards, because I was never late, was not overusing or abusing the cards. 

Over the last 8 months, they have reduced my credit lines, making it impossible to use cards, and each time the reduce the credit line, my credit score takes a hard hit. They are destroying my credit worthiness, because I pay on time and they've NEVER had an issue with my card use. 

When I did talk to them, they stated I do not own property and they reserve the right to decrease credit line. I have never own property and they approved me. I would understand a decrease in the limit if I was abusing the account. But, I CAN NOT even use the accounts because of this behavior.

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 2020-04-27 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: AR

Complaint narrative:
I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX XXXX {$910.00} XXXX XXXX XXXX   XXXX {$920.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 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: AZ

Complaint narrative:
When I applied for an auto loan my credit union informed me that my debt to income was too high. I found that Experian still showed a mortgage on my account. 
On XX/XX/XXXX I filed a dispute. I was then asked to fill out a survey and my only complaint was the amount of time to resolve the issue which was XX/XX/XXXX. 
On XX/XX/XXXX I was informed the dispute was resolved. I have had a mortgage with XXXX XXXX since XX/XX/XXXX. I sold my home and closed on the XXXX of XXXX, XXXX and XXXX XXXX was paid in full on XX/XX/XXXX. 
The resolution I received of XX/XX/XXXX said my mortgage was discharged through bankruptcy chapter XXXX in XXXX. 
My home was never part of my Bankruptcy and I made my monthly payments until XX/XX/XXXX. 
I believe that since they saw a bankruptcy that they just assumed the debt was discharged. 
I filed another dispute with Experian on XX/XX/XXXX stating they are in correct in regards to my mortgage. They are still working on it. I have no names of any personnel at Experian but I believe because I complained that it shouldn't take so long they decided to show this debt was discharged when in fact it was not! 
When I contacted XXXX XXXX they said they would indicated the balance was paid in full and the account 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 2020-04-27 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:
I Finally Decided To Check My Credit and I Notice That someone Has Been using My Name to Open up Fraudulent Accounts. I did not Authorize anyone to Open These Accounts On My Behalf. 
i did not open these accounts.

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 2020-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EOS Holdings, Inc.
State: IA

Complaint narrative:
EOS CCA collected money on a debt that XXXX said I had, but I did not have. I paid it to get rid of both companies. However, last week I was notified of the class action lawsuit filed against XXXX and also found out that XXXX lost. I am a member of that class because of this debt that was not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 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: MD

Complaint narrative:
There are inaccurate items on my credit report. Inaccurate dates and amounts. I asked TransUnion to please provide me with the documentation they used to investigate my complaint. They refuse to send me the information or show me their method of verification.

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 2020-04-27 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: AR

Complaint narrative:
I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX  XXXX {$910.00} XXXX XXXX XXXX   XXXX {$920.00}

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 2020-04-27 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: AR

Complaint narrative:
I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX  XXXX {$910.00} XXXX XXXX XXXX   XXXX {$920.00}

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 2020-04-27 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: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
LVNV FUNDING LLC continues to report that I owe them money for 2 accounts that I never had. I have sent letters of validation and they have yet to prove any validation for these debts. The dates these letters were sent, XX/XX/XXXX and XX/XX/XXXX 

I have disputed with the collection agency, as well as the credit bureaus. The credit bureaus are not doing their job, they are just allowing collection companies to say that these debts are validated and verified with no proof. 

These are the same credit bureaus that have compromised my personal information by selling it to people or not having an adequate security system to protect my information. The credit bureaus have already agreed that my information has been compromised, but still allows collection companies to report that I owe them money on bogus accounts. 

LVNV FUNDING LLC is in violation of my rights, because they are reporting and updating on a debt that they can not validate is even my debt. They also have called my phone numerous times after being told to stop calling and they have called before XXXX and after XXXX at times. 

They are also selling this bogus debt to other companies and they are harrassing me now. Then when I call the companies to verify and validate this information, they say that LVNV FUNDING LLC has taken the account back. 

Also, I am disputing the original debtors as well because I did not open the accounts and they have it showing as a charge off. 

The balances on these accounts are {$1100.00} and {$1000.00} last update was XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 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: FL

Complaint narrative:
I Finally Decided To Check My Credit and I Notice That someone Has Been using My Name to Open up Fraudulent Accounts. I did not Authorize anyone to Open These Accounts On My Behalf. 
i did not open these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 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:
I Finally Decided To Check My Credit and I Notice That someone Has Been using My Name to Open up Fraudulent Accounts. I did not Authorize anyone to Open These Accounts On My Behalf. 
i did not open these accounts.

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 2020-04-27 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: AR

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$8300.00} XXXX  XXXX XXXX {$4200.00} BANKRUPTCY CHAPTER XXXXDISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXXDISMISSED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Revenue Corporation
State: CA

Complaint narrative:
United Revenue Corp collection is reporting a collection for an account that has never been validated, has been paid off AND, has re-aged the account to do harm to me, AND is over the FCRA reporting time. I paid XXXX XXXX XXXX off many years ago. I contacted United Revenue Corp and let them know this. They ignored it. They made no attempt to validate this. Instead they show on the report that they opened a collection XX/XX/2016 and that it was last active XX/XX/2016. That is false. 
This single account violates several laws including but not limited to FCRA 15 U.S.C. 1681c, US Court of Appeals, Ninth Circuit, No. 00-15946, Nelson vs. Chase Manhattan, FCRA Section 623, FCRA Section 605 ( c ), FDCPA Section 809 ( b ), FTC opinion letter Cass from LeFevre, and FDCPA Section 806. The account was for XXXX XXXX XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is reporting to the Credit Grantors old erroneous information to my creditors that is negatively affecting my credit in violation of the FCRA. 

They recently on XX/XX/XXXX sent a notice to XXXX that I had a collection/delinquency when I have no new delinquency or collection since the CHapter XXXX I have is exactly 5 years old since discharged. 

THere is nothing negative on my credit file since the filing on XX/XX/XXXX over 5 years ago. 

They are violating my rights and ruining my credit worthiness and bringing down my credit scores with false and erroneous data.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
In XX/XX/XXXX, I applied and was approved for a Chase Sapphire card. within a few weeks I received the card. I had not yet activated the card as of XX/XX/XXXX. On XX/XX/XXXX, I received a statement from Chase stating I had an outstanding balance which is the {$95.00} annual fee plus late fees with a due date of XX/XX/XXXX. Apparently the interest which was originally billed XX/XX/XXXX and due on XX/XX/XXXX however until todays date XX/XX/XXXX I never received any billing statement from Chase, never received an email to my email address which is on file reminding me of the billing statement but I do receive promotions there and I never received a paper billing statement. On the same day XX/XX/XXXX I received a notification from XXXX XXXX that there was a change and an account listed was closed. I contact Chase to Explain, they gave me a run around, transferred me to 3 different departments, would not allow me to speak to a supervisor and did take my complaint over the phone with no further resolution offered. During this worldwide pandemic COVID-19 they are offering delayed payments for Chase customers however that was not the resolution I was seeking. I was requesting due to the fact and no fault of my own to re-instate my account and allow me to pay the annual fee and waive the late fee so this would not negatively impact my credit rating which has drastically dropped by 30 points. They would not even extend a courtesy to me being a first time customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Certified letters were mailed to LVNV Funding and Resurgent Capital Services on XX/XX/2020 to validate or provide proof of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 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: TX

Complaint narrative:
Certified letters were mailed to XXXX XXXX and XXXX XXXX XXXX on XX/XX/2020 to validate or provide proof of the debt.

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 2020-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PARSON BISHOP SERVICES, INC
State: CA

Complaint narrative:
I have lived in the House XXXX XXXX XXXX XXXX House from XXXX Fall to Spring XXXX for my fist year at the University XXXX XXXX. The XXXX is attempting to charge me almost {$2800.00} USD for unknown reasons and they kept my deposit that was about {$570.00} USD. 
When I contacted them for proof of the the charge via email, they sent me false invoices that clearly looked made up or sent a screenshot of cart. I can provide these emails to you or forward the emails. I have tried to dispute this charge many times with the XXXX but they sent me to collections and I have no money to pay a debt I do not owe of almost {$280.00}. I am not the only one in this situation, about 50 other guys that were in the XXXX were charged either the same amount as me or almost {$1000.00XXXX XXXX  We have a XXXX group and all of the guys have sent a picture of the invoice from the collection. 
The only way the collection agency was able to get my personal information was because I signed a lease for another year which would have been Fall XXXX to Spring XXXX but did not end up happening and got terminated. I also have a official document signed that I am not affiliated with XXXX XXXX XXXX and have no responsibilities with them since they tried charging me for a ridiculous amount of money. I am also a student going to California XXXX XXXX Pursuing a degree in XXXX XXXX and working full-time, in my history of credit and monthly payments have always been on good standing. I attempted to dispute this charge on XXXX but they were not able to get rid of this charge.

Company response to consumer: Closed with explanation