vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-26 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AR Resources, Inc.
State: FL

Complaint narrative:
The Creditor Listed Below AR RESOURCES INC Original creditor : XXXX XXXX Account # XXXX {$670.00} I have asked this AR Resources to validate this debt and they have failed to do so. I have never seen or heard of this account and then it just shows up on my credit report. I have already disputed it with XXXX  and they deleted it from my report. I have disputed with XXXX  to remove the account and they have not nor Has the creditor. This is a violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: MO

Complaint narrative:
On XX/XX/2020 I sent a letter that showed my response to their so called " investigation '' into disputed inaccurate items on my credit report. Today is XX/XX/XXXX, over 40 days later, and I have not received a response. Im not sure if my letters were thrown away, or if they simply ignored my disputes, but I have not received any reply to my challenge of their method of verification that clearly shows various inaccuracies on my report. According to the FCRA Section 611 ( a ) failure to investigate these items within 30 days gives a reason to immediately remove these accounts from my credit report. It has been well over 30 days, so they should be deleted immediately. I need these accounts to be deleted promptly, or I will be seeking litigation due to the strain this has placed on my health due to the loss of jobs, housing, and funding opportunities. Im fearful that these creditors have been using illegal tactics, or that my information was compromised as a result of the Equifax data Breach or some type of Identity theft. Please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: TX

Complaint narrative:
THE ACCOUNTS/INQURIES THAT ARE LISTED ARE FRAUDULENT SOMEONE STOL MY SOCIAL SECURITY NUMBER AND PHOTO TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE MADE A CRIMINAL COMPLAINT TO FEDERAL AGENCIES I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2021-01-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CHECK INTO CASH INC.
State: TN

Complaint narrative:
In XX/XX/XXXX, I received a notice that I had a hard pull on my credit report from a company, Loan by Phone based in XXXX, TN. It was fraudulently pulled using my SSN, address, and my maiden name. We filed a police report in XXXX, TN. However, no loan activity showed up on my credit report. A few months later, I received letter that this debt had gone into to collections through XXXX XXXX XXXX. I told them numerous times that they had the wrong person. All through this, there was nothing on my credit report regarding this other than the hard pull which fell off in XX/XX/XXXX. Occasionally, I would receive notices that I could settle the debt, but because it was NOT on my credit report, I could not dispute it. I continued to tell them that it wasn't me. 

Then in XX/XX/XXXX, I received a notice that my credit score had dropped 25 points because this company had put me into collections for {$500.00}. Suddenly, this showed up on my credit report, but it was never even listed as a loan before. I have tried disputing this with the credit bureaus and they say it is resolved because this fraudulent company tells them that the debt is mine. I have reported this to the XXXX  in New York ( where XXXX  is located ). We have requested via certified mail that we receive information from XXXX that the debt is valid and we have yet to hear anything. I need this taken off my credit report and my credit score restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In XX/XX/2019 disputed the account with Experian to investigate the account being opened as not mine after speaking with XXXX XXXX stating the account was not mine. XXXX  responded Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 

The information in which was reported did not reflect my bank - phone - etc. The account was opened XXXX/XXXX/2019. I justified that I had an outstanding Identity Theft Report that created and this account reflected around the same time during ID Theft activity. 

Original Creditor is now pursuing small claims in civil court with no justifiable evidence. Please investigate

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 2021-01-26 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: KY

Complaint narrative:
Back in XXXX, XXXX, I learned that XXXX XXXX XXXX  was reporting that I was delinquent on my mortgage in XXXX and XXXX of XXXX. That was not possible since I sold my house on XX/XX/XXXX. I called them to find out what the issue was. They stated that they did not receive the payment. This is also incorrect as I have a copy of the wire transfer date to the company which was dated XX/XX/XXXX @ XXXX EST. This information was provided to me by the closing attorney. I have called several times requesting to speak with a manager. I called last month and spoke with XXXX. I called today and spoke with XXXX. They both told me that a manager would call me and I never received a call nor has anyone left a message for a call back. I need them to reflect the correct information on my credit report. They need to remove the two late payments which are hindering me from securing a mortgage loan.

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 2021-01-26 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: KY

Complaint narrative:
Back in XXXX, XXXX, I learned that XXXX XXXX XXXX  was reporting that I was delinquent on my mortgage in XXXX and XXXX of XXXX. That was not possible since I sold my house on XX/XX/XXXX. I called them to find out what the issue was. They stated that they did not receive the payment. This is also incorrect as I have a copy of the wire transfer date to the company which was dated XX/XX/XXXX @ XXXX EST. This information was provided to me by the closing attorney. I have called several times requesting to speak with a manager. I called last month and spoke with XXXX. I called today and spoke with XXXX. They both told me that a manager would call me and I never received a call nor has anyone left a message for a call back. I need them to reflect the correct information on my credit report. They need to remove the two late payments which are hindering me from securing a mortgage loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
Back in XXXX, XXXX, I learned that XXXX XXXX XXXX  was reporting that I was delinquent on my mortgage in XXXX and XXXX of XXXX. That was not possible since I sold my house on XX/XX/XXXX. I called them to find out what the issue was. They stated that they did not receive the payment. This is also incorrect as I have a copy of the wire transfer date to the company which was dated XX/XX/XXXX @ XXXX EST. This information was provided to me by the closing attorney. I have called several times requesting to speak with a manager. I called last month and spoke with XXXX. I called today and spoke with XXXX. They both told me that a manager would call me and I never received a call nor has anyone left a message for a call back. I need them to reflect the correct information on my credit report. They need to remove the two late payments which are hindering me from securing a mortgage loan.

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 2021-01-26 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: USCB, Inc.
State: AZ

Complaint narrative:
In XX/XX/2019 I had an observation stay at XXXX  XXXX. A month later I received a bill from the hospital for {$5000.00} and I realized that they didn't charge my secondary insurance, only my primary. I called the hospital on 2 different occasions and provided them my secondary information to run. In XX/XX/2019 I was sent to collections for the full amount of {$5000.00}. I contact RevSolve, who is the collection company handling my account and explained the situation. They acknowledged that only the primary was charged and said that I was still responsible for the full amount, even though it is the hospitals fault for not running my secondary. They refuse to correct the situation and continue to try to collect {$5000.00}, which they acknowledge is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: First Technology Federal Credit Union
State: CA

Complaint narrative:
Hi, I opened a checking account in the First Tech Federal Credit Union for the referral bonus of {$100.00} with a deposit of {$250.00}, so I signed up using one of the links provided by the person. After the successful opening of the checking account, I deposited {$250.00} ( XXXX ) and it's been more than 2 months ever since I deposited the amount. The term said that I need to have {$250.00} for a month until the bonus posts. I never got my bonus and I contacted them via a secured message. Now, they are stating that I need to provide them with the information of the referrer, which I do not have and this was not in the terms for the {$100.00} referral bonus. The term specifically said to open the checking account under their link or with their promotion code and deposit {$250.00}, nothing about letting them know about the referrer 's information. 

Thank you.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I received a misleading email about an Apple/Goldman Sacs credit cards stating that it would not affect my credit. I applied and they did a hard inquiry which WILL affect my credit. 

I am in the middle of a refinance so this could jeopardize my ability to maintain my rate. I am really upset. It was clearly false advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Lakeside Recovery Solutions
State: DE

Complaint narrative:
I have been receiving phone calls and voice mails from lakeside recovery solutions from a phone number +XXXX ( XXXX  ) XXXX-XXXX  and other numbers. In the voicemails they are leaving threatening messages that i will be sued, that they will try to take my vehicle. They leave messages that if i dont cal back that day they will file a judgement and sue me. I have received no written notices of a debt. They have also been leaving voicemails on my mothers phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have experienced an ongoing issue with the credit reporting bureaus regarding noncompliance with the Fair Credit Reporting Act. I have initiated investigations and disputes both electronically and via us mail. I have not received a response or the investigation summary results regarding any of the investigations and disputes.

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 2021-01-26 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: MO

Complaint narrative:
I have experienced an ongoing issue with the credit reporting bureaus regarding noncompliance with the Fair Credit Reporting Act. I have initiated investigations and disputes both electronically and via us mail. I have not received a response or the investigation summary results regarding any of the investigations and disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tate and Kirlin Assoc
State: IN

Complaint narrative:
I have received a collection notice for {$110.00} from Tate & Kirlin Associates Inc. of XXXX, PA. The Current Creditor Listed is XXXX XXXX. Reference # XXXX. The notice is dated XXXX XXXX XXXX, and was received on XX/XX/XXXX. 

I have received calls alleging tht I owe for a " XXXX XXXX, '' which I had never requested, nor received, nor has anyone else in my household. I have no record of any contract with this company, nor have they provided one. I also had never received an invoice, " past due '' notice or even an email. The collection notice was the first and only mail I have received.

The closest thing that I have received is a Fraud Alert from XXXX XXXX  on XX/XX/XXXX. 
Below is a copy of that alert, name and card number redacted : -- -- -- -- -- -- - Action Needed : Please confirm activity XXXX  Fraud Protection Services : XXXX debit or ATM card ending in [ # # # # ] [ name ] Did you or someone you authorized use your XXXX  debit or ATM card for : A transaction of {$110.00} that was declined at a subscription merchant INTRAPOWERBREAKTHROUGH in XXXX, CA XXXX on XX/XX/XXXX -- -- -- -- -- -- -- Aditionally, cursory Internet research indicates less-than-exemplary reputations, with a number of claims of unethical, possibly illegal activities against them. I am not qualified to make such a judgment, but it seems prudent to proceed with caution! 

All this leads me to believe that an attempt to perpetrate fraud is being attempted. Your attention to this is greatly appreciated!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX  Inquired onXX/XX/2020, SANTANDER CONSUMER USA Inquiry :XX/XX/2020. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have sent letters over 120 days ago to this this bureau ( XXXX XXXX XXXX XXXX XXXX ) and the Collection Agency ( XXXX XXXX XXXX XXXX ) and they are disregarding a regular consumers disputes. 
I am very stressed and have been sending letters prior to this and have yet to receive a response. 
This has consistently severely impacted my credit report and hindered my familys progress during this global COVID Pandemic.

Account Number : 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 2021-01-26 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: MI

Complaint narrative:
I have sent letters over 120 days ago to this this bureau ( XXXX  XXXX XXXX XXXX XXXX ) and the Collection Agency ( XXXX XXXX XXXX XXXX ) and they are disregarding a regular consumers disputes.

I am very stressed and have been sending letters prior to this and have yet to receive a response.

This has consistently severely impacted my credit report and hindered my familys progress during this global COVID Pandemic.

Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX ; XXXX and Transunion continue to report a collection/chargeoff on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account has been transferred and therefore can no longer continue to show on my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report and this line item needs to be removed. This false reporting of a collection/chargeoff is seriously harming my credit score. I have contacted the bureaus to remove this however, I have not been successful.

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 2021-01-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lendmark Financial Services
State: MD

Complaint narrative:
years ago i opened a loan with Lendmark. Prior to 2015 the account was charged off and placed with XXXX XXXX XXXX. I have called and documented at least 4 calls between this office and myself offering to settle the matter. I was told on multiple occasions to call back. I recently received some type of asset verification letter which i found to be offensive considering ive been trying to reach them to pay. Ive even called lendmark directly to try to resolve this issue. The attorney is non responsive and does not assist in the collection of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: TX

Complaint narrative:
THE ACCOUNTS/INQURIES THAT ARE LISTED ARE FRAUDULENT SOMEONE STOL MY SOCIAL SECURITY NUMBER AND PHOTO TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE MADE A CRIMINAL COMPLAINT TO FEDERAL AGENCIES I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX  CRAS. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation