vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is PHOENIX FINANCIAL SERVICE # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, PHOENIX FINANCIAL SERVICE failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) PHOENIX FINANCIAL SERVICE failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violationPHOENIX FINANCIAL SERVICE is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where PHOENIX FINANCIAL SERVICE is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.PHOENIX FINANCIAL SERVICE has not even tried to contact me regarding this Fraudulent collection account.  Please have them remove this collection account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I've been sending dispute letters to get one account deleted. They keep saying the account has been verified and updated with every dispute. The last letter I sent was a letter of verification. I wanted to know who and what all was verified. I also ask for copies of documents or a contract. Copies of first and last payments. Names of person or persons verifying everything along with their and phone number and address.

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 2019-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Yet again TransUnion has erroneously done something to my credit report. Last month I complained about a company, XXXX XXXX, in which they have removed from my file but not completely. There is still an inquiry of some kind that says XXXX. This is a set up for them to place this company back on my file later. Also, once they removed XXXX XXXX, they did a couple other acts which make my report erroneous, untrue, unverified, and false. I've attached pics. 
1st, TransUnion added a fake address to my file. They then added a phone number and another inquiry that I don't know what it is, XXXX XXXX XXXX. 
2nd, TransUnion has removed a positive credit card from my file which has now dropped my score, XXXX XXXX Credit Card. This is unacceptable. How can they remove a positive reporting card off of my credit file? That just hurt me. All because they are in cahoots with that XXXX XXXX company in which the CFPB is investigating for fraud anyway.

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 2019-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV COLLECTIONS. 
{$300.00} credit limit This company is doubled the amount I don not understand why they doubled the amount. They continue to state on my credit report that I keep missing payments. I've done research on this company ... .and doesn't look like it's a credible company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 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: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I do not have a signed contract nor any contract with CREDIT COLLECTION SERVICE. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX. I am not responsible for this debt with CREDIT COLLECTION SERVICE.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I have reported identity theft and fraud to wells Fargo and XXXX XXXX XXXX   since XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. I reported a hard inquiry made by WFDS of XX/XX/XXXX after pulling my credit due to being denied a loan XX/XX/XXXX. Wells Fargo has continued to deny the hard inquiry of XX/XX/XXXX. The last conversation I had ( that was stated it was going to be officially recorded ) with XXXX at Wfds in XX/XX/XXXX he stated it was XXXX fault that I had to deal with them they put it incorrectly on my credit report in XX/XX/XXXX. 
XXXX also reported that wells Fargo did not give me credit for making several payments but not deducted from my balance. I am hereby requesting both loan documents loan recorded on XXXX as XXXX opened XX/XX/XXXX AND ALSO LOAN # XXXX opened in XX/XX/XXXX Wells Fargo owes me the difference fromXX/XX/XXXXthru XX/XX/XXXX. That is XXXX X 7 months And I want it deducted from my loan balance immediately. 
Also I went online and was denied access to my account info as per attached screenshots the following happened TWO ACCOUNTS HAVE MY INFO XXXX XXXX XXXX XXXX I want both these copies of loan documents that created each 1 of these accounts I want wells Fargo to admit to their error and credit my payments fromXX/XX/XXXX thru XX/XX/XXXX from some wells Fargo creating a second account which both denied me proper access to my info and prevented proper credit of all my payments as I reported to the cfpb and wells Fargo XX/XX/XXXX XX/XX/XXXX as they did not protect my personal information required by law. 
I have again recently faxed all additional 27 pages of info requested from me by wells FargoXXXX XXXX XXXX XXXX to investigate the numerous reports I have made to a bank I have dealt with since XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX va XXXX I have called wells Fargo back every time they have tried to call me last being XXXX . 
ATTENTION WELLS FARGO / XXXX XXXX CEASE immediately from leaving my personal information and name and personal ECW CASE NUMBER on a phone number that is not mine and has never been mine. 
Wells Fargo and XXXX XXXX and all affiliates know that. 
Does anyone from your financial institutions want me to call a bank and give them info on all the reports I have made against your banks since XX/XX/XXXX and name personal names and their extension numbers. Cease please I attached one last screenshot of your eservices online It STATES PROTECTION privacy and secure on your website. Wells Fargo prove it. 
It asked me to answer 3 security questions ( as per attachments and evidence ) to change my password but THERE WAS NO THIRD QUESTION so I HAVE AGAIN BEEN DENIED ACCESS TO MY PERSONAL information held with wells Fargo bank. I am still locked out.

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 2019-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax continues to inaccurately show a " Social Security # Variation '' on my Credit File. I have been trying in vain for years to have this issue permanently resolved to no avail. After the latest round that took months Equifax finally took the " Social Security # Variation '' off my Credit Report of XX/XX/XXXX Confirmation # XXXX. However, when I obtained my latest Credit File XX/XX/XXXX Confirmation # XXXX I see that Equifax started reporting a " Social Security # Variation '' on XX/XX/XXXX! Only one month later! What is wrong with these people! 

I was born with one SS # and unfortunately will probably die with Equifax saying I have two.  Utterly ridiculous!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-16 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: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
An account that can not be verified is listed on my credit reports. I attempted to contact the company, Midland Funding LLC at the address listed on the credit report. 
Midland Funding LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Unfortunately, the US Post Office attempted to deliver the letter and found that the address does not exist. The letter is being returned to my home. A link to the tracking info is below. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX This letter was sent on XX/XX/XXXX. During the investigation by XXXX, the address for Midland Funding was changed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX. 
This tactic imposed by XXXX has prevented me from contacting the business in a timely manner. In addition, the address in XXXX, Michigan has conflicting information listed in public records. According to the XXXX XXXX XXXX and whitepages, a company called Asset Acceptance , LLC is listed at this address. Below is a link. 

XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-16 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: FL

Complaint narrative:
XXXX XXXX  XXXX opened on XX/XX/XXXX has result of fraudulent activity was charged off by the company in XX/XX/XXXX in the amount of $ XXXX.A police report was filed for this and other fraudulent and identify theft related activities during that time frame.This was already resolved/resolved by XXXX but is still reporting to the other two credit bureau experian and XXXX. This account does not belong to me and was never verified and is having a profound effect on my ability to secure my mortgage.I was issued free credit monitoring from experian be cause by information was compromised they are completely aware of 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
Consumer complaint received 2019-09-16 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: OH

Complaint narrative:
An account that can not be verified is listed on my credit reports. I attempted to contact the company, XXXX XXXX XXXX at the address listed on the credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Unfortunately, the US Post Office attempted to deliver the letter and found that the address does not exist. The letter is being returned to my home. A link to the tracking info is below. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX This letter was sent on XX/XX/XXXX. During the investigation by Experian, the address for XXXX XXXX was changed to XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MI XXXX. 
This tactic imposed by Experian has prevented me from contacting the business in a timely manner. In addition, the address in XXXX, Michigan has conflicting information listed in public records. According to the XXXX XXXX XXXX and whitepages, a company called XXXX XXXX , XXXX is listed at this address. Below is a link. 

XXXX XXXX XXXXXXXX

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 2019-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is what the bureaus are doing as a result of the Experian breach. Affected Experian customers may opt for cash, free monitoring, etc as part of the court approved settlement. I checked my Experian report and my score and accounts were as expected. Experian includes an option to purchase an additional 3 bureau Fico, which I had no reason to select. I then logged into my free XXXX XXXX, etc and my scores were down @ 30 pts each, The only conclusion is the agencies have acted in concert to subsidize the cost of the experian breach by posting such drastically inconsistent scores based on the Same underlying information. What say you? I was tempted to spend an additional {$40.00} for Experian 's additional monitoring. I still am.

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 2019-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In XX/XX/XXXX I changed my legal first name. All relevant legal documentation has been properly updated. Upon attempting to upgrade my XXXX I went down a rabbit hole that found that Equifax had an issue. After a large amount of time and multiple calls and contacts with them, I finally received a fax number and began the process of setting up a my.equifax account. I faxed my documents XX/XX/XXXX. They were verified on XX/XX/XXXX. This has been verified by phone agents on XX/XX/XXXX. My documents have been resubmitted on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, the request to update my name was ignored completely. On XX/XX/XXXX, within about 24 hours it was listed as " Completed '' but was never updated. It was re-submitted again, with the same result. Stated Completed, but never changed. I tried again on XX/XX/XXXX and now it says no status but " Mailed ''. Thus far I have never received ANY notification, email or mail service of any of my interactions with Equifax thus far. My name being incorrect is preventing me from taking actions to repair my credit and needs to be fixed immediately. 

I wish I could attach documents to this but as they have never sent me any documents explaining their actions regarding the name change I have nothing to submit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 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: VA

Complaint narrative:
I had filed a complaint about an inaccurate " late payment '' reported on my credit report. TransUnion had fixed the issue, but this has re-appeared on my credit report. Here is the transcript of their response to the first complaint where they acknowledged the mistake and removed it. 

" We have reviewed your complaint along with the information you previously provided regarding this issue. In response to your request on XXXX, we initiated an investigation with XXXX # XXXX and they verified the information as accurate. However, after reviewing the activity on your file, along with the information in our data base, we have removed the XX/XX/2019 late payment from XXXX # XXXX. In order to protect your privacy, we will mail an updated copy of your credit report to the current address we have on file for you. You can expect to receive it in approximately 5 to 7 business days. If you have any further questions, please call us at XXXX, Monday-Friday, XXXX XXXX  XXXX XXXX  ET. Please visit https : //www.transunion.com/XXXX for frequently asked questions about your 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 2019-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
On XX/XX/2019 TransUnion LLC sent me a letter requesting additional information needed to complete the accurate credit information they say that I was given a free annual credit report from TransUnion already within the past twelve month. So now they're expecting me to call them and pay {$11.00} to get another credit report I have fraud alerts extended fraud alert security freezes credit alerts credit freezes promotional opt outs recently get was denied credit credit was denied and I should get a free copy of my credit report for accuracy to check it I don't know why they won't work with me I am filing this complaint with cfpb to engage with them to get a reasonable outcome.

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 2019-09-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I applied and received a XXXX XXXX on XX/XX/XXXX. There were no problems or difficulties initially. I requested and received a physical card. I made my first purchase with it on XX/XX/XXXX for XXXX dollars. This worked without issue. I attempted to make a large purchase on XX/XX/XXXX for XXXX. This was declined. I called in figuring they needed verification. The first woman I spoke to said my account was in review and they could not verify my information. I escalated to her " Supervisor '' whom repeatedly misgendered me on the phone. When corrected, the " supervisor '' stated and I quote, " Ok Ma'am whatever you want to call yourself. '' That was call one. I then contacted XXXX on XX/XX/XXXX. I was informed by apple support that they would get me in contact with Goldman Sachs to resolve the issue. The agent at Goldman Sachs stated that they can not resolve an issue via inbound call so they would arrange a call back. I never received a callback. Subsequent calls to find out a status have been met with a " Don't Call us We will call you '' that never receives a call. On XX/XX/XXXX I attempted to use the inline support through the XXXX App on the XXXX and received the same " Don't call us we will call you. '' response. I will attach the chat log to this image. 

Thus far the treatment I have received from both XXXX and Goldman Sachs has been abysmal and in Goldman 's case even included some discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
previously I have filed cfpb complaints on the three credit bureaus XXXX Equifax and XXXX before so this process is not a new process.. 
Equifax in 2017 had an Equifax data breach millions millions and millions of Americans were affected by this breach yet to my knowledge there is a class action settlement being settled with a hearing in XX/XX/XXXX of this year with millions cleaning either a money reimbursement or a credit restoration program for 10 years. I claimed the 10-year credit restoration over the money claim but that will not be approved until the court approves it.. however I am very upset that every time I try to get an Equifax free annual credit report or another credit disclosure report with or without the credit score attached they always ask me at nickel facts for information yes I do have an extended fraud alert promotional opt out security freeze credit alert credit freeze but if they can prove that means my information is in their database why law and the bureau say they need me to submit mail documentation every time that gets really old. I don't have the money funds or the time to keep sending in my proof over and over and over each time I make a request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This is what the bureaus are doing as a result of the XXXX breach. Affected XXXX   customers may opt for cash, free monitoring, etc as part of the court approved settlement. I checked my XXXX report and my score and accounts were as expected. XXXX   includes an option to purchase an additional 3 bureau Fico, which I had no reason to select. I then logged into my free XXXX XXXX, etc and my scores were down @ 30 pts each, The only conclusion is the agencies have acted in concert to subsidize the cost of the XXXX breach by posting such drastically inconsistent scores based on the Same underlying information. What say you? I was tempted to spend an additional {$40.00} for XXXX 's additional monitoring. I still am.

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