vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-28 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: MO

Complaint narrative:
MY BANKRUPTCY IS STILL REPORTING FOR OVER 10 YEARS WHICH IS PASSED THE TERMS

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 2021-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: AL

Complaint narrative:
I was charged for XXXX  equipment rental. However, the equipment was not mine. XXXX  did not verify the equipment or billing and submitted this information to the debt collection agency. 

I was charged {$490.00} for equipment that I never received at an address I never lived at. XXXX XXXX XXXX ) XXXX  submitted this to Franklin Collections Services and reported this delinquent on my credit report. 

I paid the debt XXXX XX/XX/XXXX XXXX to get this removed but I am due a refund and for this to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: NC

Complaint narrative:
I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2021-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: VT

Complaint narrative:
Portfolio Recovery calls my number repeatedly, despite me not being the person they ask for/are trying to reach. I have told them I am not the party in question ( nor do I even know the party in question ) but they continue to call, sometimes more than once a day. I tried blocking the incoming phone number ( s ) but apparently they constantly change their incoming phone numbers, so this has not been a solution. I have repeatedly asked for their mailing address so I can send them a request to cease and desist, but they have refused and hang up on me. 

I am XXXX and this is stressing me out, going on for a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I am a XXXX veteran who had XXXX outside of a VA facility, with a special authorization by the VA. I received bills and collection notices that I sent to my local VA for review. I was notified that the bills had been paid. However, the collection agency, Bull City Financial, refused to remove them from my credit report. I have filed dispute claims with 2 of the 3 major companies. This has destroyed my credit and has kept me from acquiring a VA home loan of which I desperately need.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
MY BANKRUPTCY IS STILL REPORTING FOR OVER 10 YEARS WHICH IS PASSED THE TERMS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: MO

Complaint narrative:
MY BANKRUPTCY IS STILL REPORTING FOR OVER 10 YEARS WHICH IS PASSED THE TERMS

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 2021-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
As of XXXX XXXX, I was reported by XXXX XXXX XXXX. As a debtor of a fraudulent debt that was opened using my partial personal information, in XX/XX/2020 I contacted them to try to resolve the situation and they told me that they would send me a package by mail which was sent XX/XX/XXXX and returned to They with a copy of my driver 's license, a copy of the police report and an affidavit, as verification of my identity, today, XX/XX/XXXX, I contacted them again by phone and they told me that they were going to reopen the case, sending me another package by mail so that I could send them the same documents because they had exaggerated it, I asked to speak with a supervisor and explain my situation, but she ignored and told me that she was not going to take any action until they received that package again. 
According to FTC. This practice is illegal since they have to report 100 % accurate information and have 30 days + 15 to resolve the dispute, until today it has been more than 70 days since this investigation began, which is twice the time required by law, therefore I require that they immediately remove that debt from the credit bureau and pay me {$1000.00} dollars per month after the 30 days mandatory by the FTC, as collateral damage.

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 2021-01-28 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: OH

Complaint narrative:
I sent off two notarized dispute letters on XX/XX/XXXX and XX/XX/XXXX. It has been over 30 days and I have yet to receive a response from Equifax. With that being said under the FCRA, if an investigation is not completed 30 days after receiving a dispute letter, they must delete all of the unverifiable and inaccurate information contained within that dispute letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Fraudulent account has be opened. I am a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-28 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:
Good afternoon, I am writing this message regarding unknown accounts in the report attached that suddenly from nowhere appeared in my credit report! They are not mine, they do not belong to any activity of mine, I do not know them I do not recognize them ... ... ... ... and I do not want to see them in my credit report. Why I have to have misleading information in my credit report??? Why somebody can just put these items and not take any responsibilities? Please take a look and make investigation as I do not not now the origins of these unknown items for me. Moreover, all of them are so visible in my report profile that I simply can not move on in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I spoke to Equifax on numerous occasions regarding a split file. The managers a d special handling department refuses to fix my credit file causing a decrease in my score. If this is not resolved I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
XXXX XXXX  are currently handling my private student loans from Citibank. I recently became concerned with their service when they began requesting payment while I was still attending XXXX school. Based on citibank 's policy, All payments are deferred while in school. XXXX claimed there was a time limit regarding deferment but could not provide a written document supporting this. It was clear that this policy could not be substantiated. XX/XX/2020, I requested to have my promissory notes from all three loans currently being handled by XXXX XXXX in order to verify if the deferment policy was listed on my signed documents. I only received two documents and was told that one was a mastery note ( that regarded three loan pay outs ) and the other was for only one. However, later I was informed in a phone call ( XX/XX/2020 ) that three promissory notes existed and would be sent immediately. This would prove to be false and I was sent only the two promissory notes again. Upon reviewing the notes, I found that I had checked a box that stated 'MAKE NO PAYMENT WHILE IN SCHOOL '. Also, I saw that there was a discrepancy between loan amounts on promissory note and what was being charged by Citibank based on XXXX 's records. I believe I have been charged for an amount that I did not fully receive and therefore also charged interest based on a wrong principle amount ( original loan balance ). I will be attaching both promissory notes that I have a received and letter from XXXX that shows what principle ( or what should be original loan amount ) and interest they have on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: NY

Complaint narrative:
I am filing a CPFB complaint because of the continuous report of an unknown account in my credit report. As I am reviewing my credit report I see this XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXI am not familiar with this account so I disputed this right away. I informed XXXX XXXX that I never own an account with XXXX. I was scared at that time thinking that someone might have my credit information and open this account. 

After I disputed this with XXXX XXXX, this account was removed from my credit report after a month, and no XXXX  account reporting in my file. However now on my XX/XX/2020 credit report, I see that this account now reporting in a different collection company and different account numbers. After a few months of not seeing this account, this XXXX account is now reporting as CONVERGENT OUTSOURCING ( Original Creditor : XXXX XXXX ) XXXX. 

It is illegal to report a Fraud account on my file. And what worried me most is this account can be deleted and be reported back to with a different name and account number at any time. I need XXXX  and CONVERGENT OUTSOURCING to take action and REMOVE THIS ACCOUNT COMPLETELY IN MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: TX

Complaint narrative:
I'M IN THE PROCESSED OF REFINANCING MY HOME AND WAS TOLD THAT A COLLECTION ACCOUNT WAS APPEARING ON MY CREDIT REPORT THAT MUST BE LINKED TO MY IDENTITY THEFT CASE FROM SEVERAL YEARS AGO BECAUSE I'VE NEVER HAD AN ACCOUNT WITH THIS COMPANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On my credit reports there is a closed account with huge amount of missed payments. BANK OF AMERICA Opened XXXX. XXXX, 2018 Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA BANK OF AMERICA has violated my rights as a consumer and I requesting legal action to remove this account immediately.

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 2021-01-28 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: OH

Complaint narrative:
I sent off two notarized dispute letters on XX/XX/XXXX and XX/XX/XXXX. It has been over 30 days and I have yet to receive a response from XXXX. With that being said under the FCRA, if an investigation is not completed 30 days after receiving a dispute letter, they must delete all of the unverifiable and inaccurate information contained within that dispute letter.

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 2021-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I have reached out to XXXX XXXX regarding a debt they claim I owe. They have not responded within the FCRA deadlines with the validation that this debt belongs to me. I am unfamiliar with this company or account and would like this rectified

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On my credit reports there is a closed account with huge amount of missed payments. BANK OF AMERICA Opened XXXX. XXXX, 2017 Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA BANK OF AMERICA has violated my rights as a consumer and I requesting legal action to remove this account immediately.

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 2021-01-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
Well paypal has taken over XXXX ; XXXX dollars from me they aren't letting me touch it for 180 days over someone else doing fraudulent stuff on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Snow and Sauerteig LLP
State: IN

Complaint narrative:
1. Received a letter from Snow & Sauerteig LLP stating that I owe {$330.00} to XXXX XXXX XXXX dated XX/XX/XXXX 2. I issued a letter dated XX/XX/XXXX contesting the validity of the debt 3. Snow and Sauerteig LLP received letter on XX/XX/XXXX 4. Tried to contact them on XX/XX/XXXX seeing if the have gotten said letter. Got answering machine I issued a letter contesting the validity of the

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: Reliant Financial Corporation
State: CA

Complaint narrative:
Fraudulent account has been opened up. My identity has been stolen and used fraudulently.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
An a late property tax for the leased car was sent to the XXXX XXXX XXXX ( XXXX ), before I was even notified of the tax bill. XXXX has turned over the account to collections. I informed them this bill was mistake because I had returned the car a year earlier, and contacted XXXX County, VA - to update the vehicles record and cancel the tax bill, which they. However the account still shows as in collection with a balance for {$510.00} due on the Experian report. 

I contacted XXXX XXXX XXXX regarding the incorrect information which only appears on Experian report and not others. They said I needed to contact Experian. I tried to open a dispute with Experian but it rejected it because I had previously disputed it but the information was never fixed. Experian is not letting me dispute again and the Creditor acknowledges there is no balance due, but will not contact Experian themselves to fix it.

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 2021-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with accounts listed under LVNV Funding. I requested a validation on XX/XX/XXXX as these were accounts that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the accounts continue to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me nor has any update been made on my credit report to reflect that the accounts are disputed and therefore a 2nd validation letter was sent out on this day. As of XX/XX/XXXX I have not received the requested validation in a timely manner according to the Fair Debt Collections Practices Act and I do not believe the accounts belong to me nor do I believe that the creditor has authorization to access the accounts nor authorization to attempt to collect on the accounts and the accounts continue to negatively affect me. Please strike and remove these accounts from all 3 credit bureaus until adequate validation has been received proving that the accounts belong to me and all information is correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-28 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Fraudulent account has been opened up. My identity has been stolen and used fraudulently.

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 2021-01-28 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: IL

Complaint narrative:
I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

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