vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-06 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: NV

Complaint narrative:
I didn't authorize these inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06 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: NV

Complaint narrative:
I didn't authorize these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bur

eau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation. 2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
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 2020-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: FL

Complaint narrative:
I have been a Lexington Law Customer since last year and have found their service to be misleading and fraudulent. I have paid Lexington Law for the removal of inaccurate accounts and had these same accounts removed, only to return back to my credit file less than two months later. Which defeats the purpose of paying monthly and also charges late fees if the invoice amount is not paid by the due date. Lexington Law charges a work fee the first days of stating services and then a week later charges the first month amount which can be from anywhere to over a $ XXXX XXXX depending on how many account has to be challenge of disputed. XXXX XXXX was deleted a few months ago and prior to that XXXX XXXX and both accounts have been listed back to my report. Which has the customer to start their entire case and payments back over again as if there was only a temporary deletion. I am requesting for a refund in the total amount of what was spent on this entire case since opened. A customer should not have to pay over and over again for the very same account that was deleted by a law firm. I have stopped paying Lexington Law and have nomore work being done on my case do having to pay again for the same accounts that are reappearing.Thats fraudulent and misleading. I am requesting for my funds to be credit back to my debit card that the payments were made. Starting from the time of the first payment to the very last payment in XX/XX/2020. I have many supporting documents that prove the account stated above was deleted after Lexington Law disputed and also when these account were listed back on my credit report. We are not paying services for temporary deletions and I will not recommend this Law Firm to anyone and I will also take further action on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Aargon Agency, Inc.
State: KY

Complaint narrative:
Argon agency out of Nevada has been harassing me for years. I've told them that I dispute the debt and to stop contacting me repeatedly, but they have called 5 times this week. I have also read that even if you settle the debt with this company that they do not remove it from 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 2020-09-06 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: MA

Complaint narrative:
XX/XX/XXXX Went for a home loan pre-qualification and my credit report showed a serious delinquency on an account that i did not open. The account was opened under my name for a XXXX phone in XX/XX/XXXX and was sent to collections in XX/XX/XXXX for a sum of {$3500.00} but not to my address. I contacted XXXX on XX/XX/XXXX to discuss and found out that the billing address for the fraudulent account was in XXXX, NY ; I live in MA. I previously had a XXXX account which I had closed in XXXX when i switched to another provider. 

My credit report mispelled my name. ; using XXXX proper spelling is XXXX for first name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06 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: NC

Complaint narrative:
On XX/XX/XXXX, a collection agency in Arizona named XXXX XXXX XXXX opened on my credit file with an original balance of {$1000.00}. In XX/XX/XXXX, this same collection agency, along with the original balance was included in my chapter XXXX bankruptcy filing with a plethora of other collection agencies. After my bankruptcy was discharged and completed in XX/XX/XXXX, that collection as well as, all the others weren't listed on my report anymore due to the bankruptcy. 2yrs later, on XX/XX/XXXX, this same collection agency reposted this collection onto my credit report, listing the original balance again of {$1000.00}. I received notice of that and I disputed it and reminded Experian that it was included in my Chapter XXXX from XX/XX/XXXX and it should not be allowed to be reposted to my credit file. Had they done their homework and a thorough investigation, they would have seen that the collection agency/balance that was on my credit file from XX/XX/XXXX, when it was originally opened, was part of my bankruptcy filing. The attorneys pulled my credit report when I filed, again in XX/XX/XXXX with all of my collections including this one. After I disputed with Experian, the collection agency was allowed to repost the same collection on XX/XX/XXXX, and the amount increased from {$1000.00} to {$1300.00}. Also, on XX/XX/XXXX the Dept of Education posted LOAN PAID And, the same day, Experian  decreased my credit points by 20 ... absolutely no reason for that. Something's wrong at Experian, please investigate. Incompetence shouldn't be allowed when dealing with consumer 's personal important affairs such as this. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I received a letter dated XX/XX/2020 informing me that my credit limit had been lowered from {$10000.00} to {$5000.00} due to not using enough of my credit limit. Then subsequently received 2 days later from Capital One that my credit score dropped 31 points! Looking up what lowers your credit score is credit limit decreases. I called and asked them to restore my credit limit in order to keep my credit score what it was previously and was told, " that is not possible. Capital One swept across the board with decreases for people who were not using their credit limit. '' Due to the Covid pandemic, I have not been able to travel or do much spending in order to stay home and stay safe. This is an unfair practice to have the ability to lower my credit score from  over 800 well below 800. 30 points is a lot! I hope something can be done about this! These companies have power over my credit score with me doing nothing to cause the change. If nothing can be done to raise my limit, I hope someone makes laws that make it so they don't have this control over my score without me doing anything! This is very upsetting and can cause my insurance to go up as well as raise the interest rate I would be able to get for other loans as well. This is detrimental to the public as a whole and especially to do this sweeping change during a pandemic is ridiculous!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lending Club Corp
State: NY

Complaint narrative:
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.

3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06 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: HI

Complaint narrative:
Debtors creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and Say its mines. According to the FCRA Experian has violated my rights as Consumer and Im 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 2020-09-06 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: ERC
State: KY

Complaint narrative:
XXXX changed my cell phone account from a pay as you go account to a contract account without my permission. When I stopped using the phone as a result of this they sent me to collections with ERC. I settled this debt with ERC 3 years ago, but have been told by my banker that it is still showing up as an unpaid debt on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: TX

Complaint narrative:
On XX/XX/2018, I had to have emergency XXXX taken at XXXX XXXX Hospital in XXXX XXXX. I presented my insurance documents and paid the {$100.00} co-pay. The hospital agent was XXXX XXXX. 

After this, I did not receive a bill for this service or any request for payment. 

While checking my Credit Report I noticed there is a collection for {$1400.00} from XXXX XXXX XXXX. After asking them several times to provide the original invoice for the service they are collecting, they sent a confusing ledger. ( attached ) To date I dont have the original itemized invoice. 

The bill seems to originate from XXXX XXXX XXXX XXXX at XXXX XXXX Hospital XXXX XXXX XXXX XXXX XXXX LA XXXX BILLING NPI : XXXX in network. 

The collection company argues that XXXX XXXX XXXX or her administrative company XXXX XXXX, ( XXXX XXXX, XXXX XXXX XXXX ) did not have my insurance information until after the time to file the claim expired, which is impossible since I presented my information at the time of services. The hospital agent was XXXX XXXX. ( attached form ) Furthermore, their own Patient Portal has me as covered with them by XXXX XXXX from XX/XX/2018 ( attached ) XXXX XXXX received and processed three claims originating from this event. Claim XXXX, Claim XXXX and Claim XXXX. 

There is not a denied claim from the provider you represent. ( attached email from XXXX XXXX ) I have paid the patients portion of the only claims they processed. 
I believe this is an administrative failure on your part and XXXX XXXX and I should not be penalized for this failure by sending the account to the credit bureau and charging more than what my insurance would have allowed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Prosper Marketplace, Inc.
State: NY

Complaint narrative:
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.

3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
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 2020-09-06 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: EQUIFAX, INC.
State: MS

Complaint narrative:
Every time I go online and Attempt to file a dispute with Equifax I am blocked from disputing things that are inaccurate on my report..their reports shows me as having 3 XXXX  XXXX   XXXX  Credit account . One for XXXX XXXX for XXXX. These are correct. Then they show one that is spelled XXXX  XXXX XXXX ( mispelled ) in the amount if XXXX..This is not my account. I never had a XXXX XXXX XXXX credit card in the amount of XXXX..I have made several attempts to dispute this with Equifax among other things they won't allow it to go through. And why does my credit reports have different things on each of them? Makes no sense to me at all.

Company response to consumer: Closed with explanation