vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XXXX XXXX I send Transunion, XXXX XXXX XXXX and XXXX a letter disputing the validity of the Bankruptcy and Child Support on my credit Report, XXXX XXXX respond with a letter stating " we have Deleted information '', Transunion in Violation with FCRA stating " verify and accurate '' Bankruptcy only without stating Child Support validation and they not stating what was the method they used to verified neither, XXXX and XXXX in violation with FCRA they never answer. 

I went back to XXXX XXXX and Transunion on XXXX XXXX sent a letter showed them the deleted Bankruptcy and child support and also showing them the inaccurately and inconsistency they have in the report and informing them that they could not reveal how they truly verified this item it need to be deleted according to FCRA, they once again refused to deleted this item which is imploding in my ability to purchase a home and causing me to pay thousands of interest every year. 

this items need to be deleted from my credit report if it can not be verified within 30 Days.

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 2021-06-14 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: EQUIFAX, INC.
State: CA

Complaint narrative:
There are 10 student loan collections on my credit report still being reported by Equifax that should have been removed through a student loan rehab program. The collection account are reporting in error, and should have been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XXXX XXXX I send XXXX XXXX, XXXX XXXX and Experian a letter disputing the validity of the Bankruptcy and Child Support on my credit Report, XXXX XXXX respond with a letter stating " we have Deleted information '', XXXX in Violation with FCRA stating " verify and accurate '' Bankruptcy only without stating Child Support validation and they not stating what was the method they used to verified neither, XXXX and Experian in violation with FCRA they never answer. I went back to Experian, XXXX and XXXX on XXXX XXXX sent a letter showed them the deleted Bankruptcy and child support and also showing them the inaccurately and inconsistency they have in the report and informing them that they could not reveal how they truly verified this item it need to be deleted according to FCRA, they once again refused to deleted this item which is imploding in my ability to purchase a home and causing me to pay thousands of interest every year. this items need to be deleted from my credit report if it can not be verified within 30 Days.

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 2021-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
This account was open fraudulent on XX/XX/XXXX. The original creditor name is XXXX XXXX XXXX. XXXX XXXX XXXX then sold this account to LVNV FUNDING IN XX/XX/XXXX. 

The Address on this Contract is XXXX XXXX XXXX XXXX PA XXXX. 
In XX/XX/XXXX I was not living at the above address. 

At the time of this contract I lived at XXXX XXXX XXXX XXXX, PA XXXX. 

PLEASE NOTE : Attached is a Signed copy of my lease from XX/XX/XXXX - XX/XX/XXXX this is an official document. 

You are violating my right and causing harmed to my credit! 

First, failed to verify the identity once the application was approved. 

CFPB PLEASE HELP ME LVNV FUNDING HAS QUESTIONABLE BUSINESS PRACTICE. 

ATTACHED IS COPIES OF MY LEASE STATED I NEVER LIVED AT THE ADDRESS THAT WAS PROVIDED WHEN THIS CONTRACT STARTED. 

I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX v XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact, exists. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been verified then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against XXXX for violation of the Fair Credit Reporting Act and Defamation. 

I REQUEST THAT THIS ACCOUNT IS REMOVED FROM ALL CREDIT REPORTING AGENCY ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/XXXX, I sent {$250.00}. On XX/XX/XXXX, I sent {$150.00}. This was through XXXX. But I sent to a wrong person who was a scammer. He didn't return the money to me and kept it. I just want my {$400.00} back. I talked to my bank, The XXXXXXXX XXXX  ( Chime ) but they said they can't help me because I initiated the transaction. I talked to the XXXX support as well but they didn't want to refund my money either. I just want justice to be served. It's not fair I was involved in fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
When I downloaded my free credit report from XXXX XXXX today XX/XX/2021, I found that Portfolio Recovery claimed that it had debt from an original creditor, XXXX XXXX. I was unaware of any debt I may have had through XXXX. I called various numbers at XXXX, which referred me to other numbers at XXXX, none of which could find anything under my name and SS #. XXXX at XXXX told me on the phone to contact XXXX. I am going around in circles, and debt buyer Portfolio Recovery was unreachable. It purports to have a debt of {$500.00}, but both XXXX and I are unable to verify this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft WF CRD SVC Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/2019 This is not mine. 

4. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2019 This is not mine. 

5. Identity Theft XXXX XXXX  XXXX Date of inquiry : XX/XX/2019 This is not mine. 

6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2019 This is not 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 non-monetary relief
Consumer complaint received 2021-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Why is it that these credit reporting agencies or continuing to mis report these unauthorized accounts on my credit report, I have previously reported that my identity was compromised and the result is these unauthorized fraudulent accounts that I'm demanding be removed from my credit files immediately. 

1. XXXX  XXXX XXXX {$180.00} 2. XXXX XXXX {$240.00} 3. XXXX XXXX {$570.00} 4. XXXX XXXX {$810.00} 5. XXXX, XXXX {$170.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: KY

Complaint narrative:
I am receiving around 10+ calls per day from Discover Financial in an attempt to collect a debt. The calls are robo calls and when I check my voicemails the recording states, " Please hold on the line while we connect you to a representative. I have communicated with Discover several times trying to work out payment plans but keep getting all of these robo calls ever day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation
State: NJ

Complaint narrative:
I have contacted the company ( Penn Credit Corp, XXXX, PA ) on more than one occasion attempting to pay the debt in full. Most recently on XX/XX/2021 and with email communications with their compliance team within the week of XX/XX/2021. I am wanting to pay the debt in full by the end of XX/XX/2021 with the stipulation that they first give me our agreement in writing stating that I will pay off the debt in full by the end of XX/XX/2021 and they will then provide me with a Paid in Full letter and report the debt as such to the credit bureaus. 

The representative I spoke to on the phone on XX/XX/2021 assured me, after speaking to her supervisor, that the Penn Credit compliance team would provide me with the agreement in writing via email and also by a letter in the mail so the debt could be paid off. After emailing with XXXX from their compliance team, Penn Credit is refusing to give me our payment agreement in writing. 

After speaking to legal counsel, they suggested I file this complaint for their refusal to provide me with an agreement in writing. If they can not put the agreement in writing, I am suspect that there is even an agreement at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
not mine : FCRA violations : XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
not mine : FCRA violations : XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: NJ

Complaint narrative:
On XX/XX/XXXX, after I pulled my credit report, I found out multiple accounts that did not belong to me, right after doing my own research, months later, to be exact on XX/XX/XXXX, I submitted my first dispute to the credit bureaus, after about three weeks a received replies from them requesting me to file a Identity Theft Police Report, so I did. On XX/XX/XXXX I filed my Police Report, with the report in my hands, on XX/XX/XXXX, I started my dispute journey but this time I included my Police report. I did not send my disputes to the credit bureaus very often, since I am always busy, but so far since that time to date, I have submitted my package of Identity Theft at least four times. 
Not too long ago, I received a collection letter from XXXX XXXX XXXX XXXX, trying to collect on an alleged debt with XXXX XXXX. I submitted a complaint thru CFPB and unfortunately all happened was that the account was transferred to a new collection name CREDIT CONTROL LLC. I recently have been receiving multiple collection letters trying to collect on alleged debts that I really do not have any idea of. One of those collection letter is the above stated one.

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 2021-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: NJ

Complaint narrative:
These accounts don't belong to me. Please remove them form all XXXX credit reporting agencies. please see below the list of accounts that are reporting derogatory on all XXXX credit reporting agencies : 1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/2019 This is not mine. 

4. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2019 This is not mine. 

5. Identity Theft XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/2019 This is not mine. 

6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2019 This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: PA

Complaint narrative:
I submitted paperwork for my account to be reviewed because they marked several payments as " not received '' or " not eligible. '' I sent bank statements, etc. that showed I did pay during those certain marks. I submitted that XX/XX/XXXX. It is now XX/XX/XXXX with NO review finished, no updated, etc. I have contacted them several times and each time they say " it takes a long time to process. '' No determined date that it will be done or further information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA

Complaint narrative:
I received a notification that my credit report had changed on XX/XX/2021. I logged onto XXXX and learned that a collection company called Wakefield & Associates had filed collection items on my credit report. I pulled my reports with XXXX and with XXXX and Wakefield & Associates was on all 3 reports. I placed a dispute on each report on XX/XX/2021, because I was never served any communications prior to them reporting on my credit, which is a protected act in the Fair Debt Collection Practices Act. 

I then called their office on XX/XX/2021 to speak with someone in charge. I was told I would have to leave a voicemail and wait for a return call. As of XX/XX/2021, I have yet to have the company return my phone call. Another violation of the Fair Debt Collection Practices Act. 

I am now searching for an attorney to sue Wakefield & Associates for fraudulently reporting inaccuracies on my credit report ( 2 instances ), no communications ( 2 instances ), not returning my phone call ( 1 instance ), defamation of character ( 2 instances ) and any other violations that may have been violated in both the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: MD

Complaint narrative:
On my credit report I notice there was an unverifiable debt in collections. I sent a validation of debt letter to the debt collector that's on file ( Afni ) and mailed them a validation of debt letter. They reported with a computerized response letter without my wet signature stating I owe XXXX XXXX XXXX money. I don't owe the debt collector XXXX Afin XXXX nor XXXX XXXX XXXX any money. I sent them a cease and desist letter, along with a affidavit of truth informing them to delete their trade line from my credit report with all 3 credit bureaus. 

Their contact info is listed below Afni XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
3 month ago accounts in question was removed by 3 CRAs ( XXXX /XXXX XXXX and XXXX XXXX XXXX , same account numberXXXX ). 
2 month later the same accounts was placed back to my report in a violation with : 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

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 2021-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
3 month ago accounts in question was removed by 3 CRAs ( XXXX /XXXX XXXX and XXXX XXXX XXXX , same account numberXXXX ). 
2 month later the same accounts was placed back to my report in a violation with : 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
The category doesn't quite match my complaint. I signed up for and was approved for a CapitalOne Platinum card. When I was approved, I was given a message saying that my account had been merged with an account I had ... maybe 6 or more years ago? I honestly don't know. But when I reached out to CapitalOne to get access to the account, I was denied access. I verified all of my information, and they confirmed that the information matched what was on their records, but they wouldn't tell me anything about my account or give me access to view it online. I stated, over and over again, my discomfort with not having any sort of access to the account, despite being able to verify my identity through-and-through. As of now, CapitalOne has not given me any indication that I will ever be able to access the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
I've submitted letters of validation under the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). I haven't received confirmation with my signature. Stating this debt actually belongs to me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation