vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently sent a dispute into transuion asking the company to deleted unauthorized fraudulent inquiries. XXXX and XXXX have deleted these unauthorized fradualent inquiries, but transuion has n't. The inquiries are still associated on my transuion report. I have attached proof that that these inquiries were deleted from my XXXX credit report and no longer reports on my credit report. I formally request that the following unauthorized inquiries be immediately removed from my transuion report to show my true credit history, as these items should not be reflecting on 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 2017-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ORG GC GP BUYER, LLC
State: CT

Complaint narrative:
I was never given the right to dispute by XXXX XXXX. I have went to the BBB and this company has failed to provide proof that the debt belongs to me. I completed a transfer of ownership over two years ago and was told that services were n't even rendered because they could n't get a signal to provide service because of trees by a field representative that called me in error. I contacted XXXX and told them that I transfered the account and that the account should no longer be in my name I was given an email address to send a email and after I sent the email the company kept the account open to incur charges in my name for services they did n't render.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: TN

Complaint narrative:
In XXXX XXXX 2014 I was living with my cousin at the time and she got some cable. I didnt know she used my information to get the cable. Now a collection agency is asking for money from me that I dont even owe. They told me to call all these numbers but every number I called sent me to someone else and I got the runaway. I want to know what I need to do to get this taken care of.

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 2017-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I HAVE TRIED TO FIX THE FRAUDULENT PERSONAL INFO ON MY CREDIT REPORT BUT EXPERIAN WONT ANSWER.

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 2017-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I leased a vehicle with XXXX XXXX XXXX in XXXX XXXX for three years. In XXXX XXXX I had paid in full and never had a missed payment however, upon calling one day I talked to someone who was very unhelpful and rude at XXXX. One week later 8 missed payments showed up on my Transunion XXXX only XXXX credit report from XXXX ( 4 ) and XXXX ( 4 ) dropping my score XXXX points. I called XXXX who told me I had always prepaid and never had any missed payments, so I filed a dispute with Transunion on XXXX XXXX. By XXXX XXXX I received a letter from Transunion that XXXX provided them all documentation and XXXX removed the erroneous information. I never received an explanation of how someone goes backwards 1 1/2 years and adds inaccurate information though I do believe it was the gentlemen I upset XXXX XXXX who did it. My credit score went back up over an XXXX and the account was closed in perfect standing and all my checkboxes were green with no missed payments. Today I check my credit score and once again XXXX reported all the same erroneous information that was just resolved. I contacted Transunion and they verified that XXXX once again did the same thing on a closed account that XXXX just removed from the account. The Transunion women told me I should contact you because she too thinks this is very shady and that she has never seen anything like this. To the point she was going to call XXXX on my behalf. I truly believe XXXX has a gentlemen on their payroll who is purposely and maliciously opening my closed account and re-reporting information that they just removed. When I called XXXX, they will not let me speak to the department who reports it, informed me I once again had to wait 30-60 days for them to research it and that they could not tell me why this is repeating itself. As a matter of fact, they are completely not willing to provide me with any answers. I asked them to reopen my old dispute, they said they ca n't. Long story is I can not speak with anyone who can help me in a timely manner, they once again dropped my credit score XXXX points and I feel this is going to continue happening over and over again. Please help me.

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 2017-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: AR

Complaint narrative:
In XX/XX/XXXX it said I opened a XXXX account I was only XXXX I could n't open a account for myself someone used my name. When I checked my credit score XX/XX/XXXX I  noticed I owe {$570.00} and I disputed because it wasnt my account and I never received a bill to my house. In XX/XX/XXXX I spoke with a representative they agreed the account wasnt mine and that I could go back to XXXX again. She never told me to send in any documents because I didnt have any it wasnt my account. I spoke with them today and they told me I had to file a claim to get it off my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
While in the process of trying to get a home, I discovered that my score was lower than it should be, due to two new collections being reported by Commonwealth Financial as of XXXX 2017. I do n't understand why I would have new medical debts, since I am insured, but I am especially confused by how a company that is n't licensed to collect in my state ( Florida ) can be reporting and verifying debts to reputable bureaus. I have had this issue with the same company in the past ; Commonwealth was apparently trying to collect these same accounts from me about a year and a half ago. I was, luckily, able to have the accounts removed from my credit report after disputing them. But it is very stressful to see they can just continue to report new, erroneous debts whenever they 'd like.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To Whom It May Concern, I received a notice of data breach from Equifax on XX/XX/17. This included accessing supporting documents that may have included my government issued id, home address etc. 

Due to the sensitive nature of the information revealed in the data breach, I have requested from all 3 reporting agencies including Equifax remove all of my private information from its and its affiliate servers and anywhere/all places that information is stored. This information, including my name, social security number and accounts are being stored without my consent and to please remove and destroy any and all information immediately. 

They have not complied. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: SC

Complaint narrative:
Freedom Mortgage carries the FHA loan for my townhouse. I sold the property and will be closing on XX/XX/XXXX. The law firm XXXXXXXX XXXX XXXXXXXX, XXXX, contacted Freedom Mortgage on XX/XX/XXXX, requesting pay-off for XX/XX/XXXX, and received a pay-off amount of {$69000.00} from Freedom Mortgage with a closing date of XX/XX/XXXX. This is {$1000.00} more than expected that I have to bring to the table at closing. I called Freedom Mortgage on XX/XX/XXXX for the pay-off but they wanted to charge me {$30.00}. I also called twice on XX/XX/XXXX for explanation as to why the amount was so high and Freedom Mortgage gave me the run-around with no concrete reason. I was told that there was an FHA charge of {$250.00} and taxes included in the pay-off. I phone twice on XX/XX/XXXX, and was told that the attorney 's office put in the request for XX/XX/XXXX. The attorney 's office denied that they submitted that request. Finally, Freedom Mortgage told me that they made a mistake and it should be for XX/XX/XXXX because it 's a FHA loan. They promised to correct it and placed an accelerated request for the correct payoff. I informed them that the attorney 's office would be contacting them as well.

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 2017-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I sent a LEGAL Notarized affidavit to Experian, XXXX , & XXXX disputing under the FCRA requesting under Section 609 ( a ) ( 1 ) ( A ), For Experian, XXXX , & XXXX to Provide physical verification of the original signed consumer contract.
I demanded from Experian, XXXX , & XXXX to see 100 % Verifiable Proof an original Consumer Contract with my Signature on it. They have failed to RESPOND or VERIFY 100 % verifiable proof even though I have been sent back the Certified Return receipt.
UNDER the FCRA they are Now REQUIRED to REMOVE the accounts being disputed under applicable federal law.
Additionally, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of 100 % verifiable proof which they have negligently failed to do. Now forcing me to seek relief through the CFPB portal.

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 2017-11-14 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
According to my credit reports, in XXXX 2016 Portfolio Recovery purchased an account from XXXX XXXX showing {$380.00} as due. P.R.A. began reporting to the various credit bureaus some time after. For some reason, however, they are reporting the account to the bureaus with different account numbers. P.R.A. is reporting it to XXXX as account number " XXXX- XXXX '' and to XXXX and XXXX as account number XXXX. 

I get that P.R.A. is a debt buyer, and is not a credit bureau and simply makes reports to credit reporting agencies on the accounts it buys. However, the credit reporting agencies reflect the information that P.R.A. reports to it ; XXXX does n't simply make up an account number itself. It shows whatever account number P.R.A. reports. Because P.R.A. is reporting different account numbers to different bureaus, that means when someone runs a multi-bureau combined report where on me ( which happened recently ), where information from XXXX, XXXX  and XXXX XXXX is merged into a composite report, then the {$380.00} shows twice, for a total of {$760.00}. 

I have attempted to rectify this by disputing the accounts, but Portfolio verifies them as accurate and continues to leave its information unchanged. Am I to assume from this that the error is intentional?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To Whom It May Concern, I received a notice of data breach from XXXX on XX/XX/17. This included accessing supporting documents that may have included my government issued id, home address etc. 

Due to the sensitive nature of the information revealed in the data breach, I have requested from all 3 reporting agencies including XXXX remove all of my private information from its and its affiliate servers and anywhere/all places that information is stored. This information, including my name, social security number and accounts are being stored without my consent and to please remove and destroy any and all information immediately. 

They have not complied. 

Sincerely, 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 2017-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To Whom It May Concern, I received a notice of data breach from XXXX on XX/XX/17. This included accessing supporting documents that may have included my government issued id, home address etc.
Due to the sensitive nature of the information revealed in the data breach, I have requested from all 3 reporting agencies including XXXX remove all of my private information from its and its affiliate servers and anywhere/all places that information is stored. This information, including my name, social security number and accounts are being stored without my consent and to please remove and destroy any and all information immediately. 

They have not complied. 

Sincerely, 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 2017-11-14 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I have a {$75.00} debit gift card issued to me by my employer. ( XXXX XXXX ) When I tried to use the card it asked for a pin number. I do not have a pin number. I tried calling the numbers on the card. XXXX and XXXX on XX/XX/XXXX at about XXXX in the XXXX. The person I spoke to asked for my work address. After giving them my complete address they still would not give me the pin number. Card has an expiration date of XX/XX/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 2017-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I had previously sent fraud affidavits to Experian to get the following accounts which resulted in fraud removed from my credit history. They have failed to properly investigate and remove the disputed items below. 

- XXXX XXXX XXXX XXXX ( XXXX ) : Verify account is mine without violating any HIPPA laws. 
- XXXX ( XXXX ... ) : Fraud - Chase Card ( XXXX ... ) : Fraud - XXXX XXXX ( XXXX ... ) : Fraud - XXXX XXXX XXXX ( XXXX ... ) : Fraud - XXXX XXXX XXXX ( XXXX ... ) : Fraud - XXXX ( XXXX ... ) : Fraud I have sent 2 previous letters to Experian, all by certified mail requesting that they remove inaccurate information from my file along with the fraud affidavits and they have failed to do so. Accordingly, I can show a judge that these accounts are inaccurate and that they violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous lettersall sent certified mailstated my reasons for an investigation and these reasons were not frivolous in any way. 

If this final request does not prompt them to conduct a proper investigation of the accounts in question and send proof to me of said investigation, I will file a civil suit in XXXX County for damages. I take my credit very seriously and their lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum.

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 2017-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: TN

Complaint narrative:
I used to be a XXXX customer. When my insurance was about to expire, I reached out to other companies for quotes. A few weeks prior to the end of insurance coverage, I purchased auto insurance from XXXX XXXX. A month later, XXXX XXXX canceled my insurance. The reason for the cancellation was due to a report from Lexis Nexis ' Clue Report. They reported that a claim was filed while I was a XXXX customer. The accident that was reported involved someone I have never heard of, in a town that I have never visited, in a car I have never owned. The policy numbers did not match. Lexis Nexis has not been cooperative in resolving this issue. XXXX states that they reported the policy numbers correctly and that XXXX XXXX has made the error. XXXX XXXX wants to take 30 days to straighten out their mistake. Meanwhile, I am without auto insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I received a letter from Capital one regarding the closure of my credit card account due to inactivity. Card ending in XXXX. I have had this card for a very long time and I have excellent credit and by them closing it out and not giving me a chance to use it, it will hurt my credit rating because this is an old card. 

I called them and requested that they do n't close the card and suggested it can be transferred or converted over to a new card which offers better products. 

They told me we can do this and someone will call me back and its been a few days now and no one has called me back. 

I strongly believe this is a discriminatory practice by Capital One. I did n't violate any terms and conditions either. If they want me to use the card than they should offer me better incentives like all other card companies I use currently. 

This tactic of forcing excellent customers to close their accounts without any warning is Discriminatory and based on Race in my opinion. 

They never even sent me a card because old card expired 2 years ago. How am I suppose to use the card?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I sent a LEGAL Notarized affidavit to XXXX, XXXX , & TransUnion disputing under the FCRA requesting under Section 609 ( a ) ( 1 ) ( A ), For XXXX, XXXX , & TransUnion to Provide physical verification of the original signed consumer contract.
I demanded from XXXX, XXXX , & TransUnion to see 100 % Verifiable Proof an original Consumer Contract with my Signature on it. They have failed to RESPOND or VERIFY 100 % verifiable proof even though I have been sent back the Certified Return receipt. 

UNDER the FCRA they are Now REQUIRED to REMOVE the accounts being disputed under applicable federal law. 

Additionally, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of 100 % verifiable proof which they have negligently failed to do. Now forcing me to seek relief through the CFPB portal.

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 2017-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I sent a LEGAL Notarized affidavit to XXXX, Equifax , & XXXX disputing under the FCRA requesting under Section 609 ( a ) ( 1 ) ( A ), For XXXX, Equifax , & XXXX to Provide physical verification of the original signed consumer contract.
I demanded from XXXX, Equifax , & XXXX to see 100 % Verifiable Proof an original Consumer Contract with my Signature on it. They have failed to RESPOND or VERIFY 100 % verifiable proof even though I have been sent back the Certified Return receipt.
UNDER the FCRA they are Now REQUIRED to REMOVE the accounts being disputed under applicable federal law.
Additionally, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of 100 % verifiable proof which they have negligently failed to do. Now forcing me to seek relief through the CFPB portal.

Company response to consumer: Closed with explanation