vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-08 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: MI

Complaint narrative:
I have a public record that has been mixed or merged with someone elses report showing up on mine, I even have a fraudelent birth year of 1987 showing up. I have tried to fix it with the burueas on several occasion but they claim they veirifed through XXXX XXXX. I reached out to XXXX XXXX and they have sinced removed it ( I have attached proof ). Next I reached out to the courts of Michigan, They returned a letter saying they dont provide the burueas information ( I have attached proof ). Lastly I filed an FTC complaint against the burueas and I have included this 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 2020-11-08 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: MI

Complaint narrative:
I have a public record that has been mixed or merged with someone elses report showing up on mine, I even have a fraudelent birth year of 1987 showing up. I have tried to fix it with the burueas on several occasion but they claim they veirifed through XXXX XXXX. I reached out to XXXX XXXX and they have sinced removed it ( I have attached proof ). Next I reached out to the courts of Michigan, They returned a letter saying they dont provide the burueas information ( I have attached proof ). Lastly I filed an FTC complaint against the burueas and I have included this 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 2020-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
On XX/XX/2020 I am filing a compliant with the CFPB because I haven't been able to get any type of response from the credit bureaus. They are not responding to any of my letters and that is a violation of my rights according to the FCRA. I am very stressed and don't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 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: MI

Complaint narrative:
I have a public record that has been mixed or merged with someone elses report showing up on mine, I even have a fraudelent birth year of 1987 showing up. I have tried to fix it with the burueas on several occasion but they claim they veirifed through XXXX XXXX. I reached out to XXXX XXXX and they have sinced removed it ( I have attached proof ). Next I reached out to the courts of Michigan, They returned a letter saying they dont provide the burueas information ( I have attached proof ). Lastly I filed an FTC complaint against the burueas and I have included this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
4 credit card accounts opened in XXXX under my name. Had been sold to 4 debt collection agency since. The following account are : 1. XXXX XXXX {$2300.00} / Original Creditor : XXXX XXXX XXXX XXXX XXXX ( Acct # XXXX ) 2. XXXX XXXX {$4300.00} / Original Creditor : XXXX ( Acct. Last Four # XXXX ) 3. Portfolio Recovery Associates, LLC {$2800.00} / Original Creditor : XXXX XXXX XXXX ( Acct. Last Four # XXXX ) 4. XXXX XXXX XXXX XXXX {$4100.00} / Original Creditor : XXXX ( Acct. Last Four # XXXX ) My personal data was stolen and I am now being sued. These are not my accounts and I have called the credit bureau but have done nothing but put my account in fraud alert in XX/XX/XXXX. I can provide my credit information to prove my character as I have paid everything on time in the past. These account were all opened at the same time. I have called the creditors and they have not done anything to help me resolve these issues. No receipts or records were provided. When these occurred, I have just graduated school and could not afford the settlement they were asking and these were fraudulent. I am now being harrased by these debt collectors after years of not hearing about it. I've done all in my power to dispute these charges and I need help. I have filed a police report. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc.
State: PA

Complaint narrative:
EOS CCA Reported balance {$1100.00} There is a fraud alert on my account going back over 5 years. I have no business with this company. 
Remove immediately. I have a fraud alert on my account for time time. This debt was removed once and sold to another collection agency. I have never had any business with this company. I have never lived at address they provide. I will pursue legal damages if not removed within 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: IL

Complaint narrative:
4 credit card accounts opened in XXXX under my name. Had been sold to 4 debt collection agency since. The following account are : 1. XXXX XXXX {$2300.00} / Original Creditor : XXXX XXXX XXXX XXXX XXXX ( Acct # XXXX ) 2. XXXX XXXX {$4300.00} / Original Creditor : XXXX ( Acct. Last Four # XXXX ) 3. XXXX XXXX XXXX, XXXX {$2800.00} / Original Creditor : XXXX XXXX XXXX ( Acct. Last Four # XXXX ) 4. Radius Global Solutions LLC {$4100.00} / Original Creditor : XXXX ( Acct. Last Four # XXXX ) My personal data was stolen and I am now being sued. These are not my accounts and I have called the credit bureau but have done nothing but put my account in fraud alert in XX/XX/XXXX I can provide my credit information to prove my character as I have paid everything on time in the past. These account were all opened at the same time. I have called the creditors and they have not done anything to help me resolve these issues. No receipts or records were provided. When these occurred, I have just graduated school and could not afford the settlement they were asking and these were fraudulent. I am now being harrased by these debt collectors after years of not hearing about it. I've done all in my power to dispute these charges and I need help. I have filed a police report. 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 2020-11-08 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: CT

Complaint narrative:
I am an identity theft victim from the XXXX XXXX  XXXX Breech. I filed a complaint against Experian Credit with your company in XXXX for twice adding fraud alerts to my credit report without my permission and no fraud taking place. They have twice taken my ex husband XXXX XXXX XXXX XXXX bill and added it to my credit so they could illigally add fraud alerts to prevent me from buying a car. They are obsessed with my financials which is non of their business and have done everything to prevent me from getting credit. They have stated I changed my phone number which is not true. Experian has kept nearly 15 phone numbers, fraudulent addresses and credit files on my report knowing that it is fraud. Experian partnered with XXXX XXXX ( XXXX XXXX  ) to bully me so I cant pay my bills and lock me out of the system from ordering merchandise. They have left fraudulent car loans on my report after they were removed, refuse to send me statements and continue to do everything to prevent me from reporting positive. My credit was XXXX before Experian placed the first illegal fraud alert back in XX/XX/XXXX. It is XX/XX/XXXX and I am battling the third illegal fraud alert they added because they feel they can and do not care how it impacts me from buying a car which is not their business. I pay my rent, my bills and again my finances are not their concern. I got a secure credit card which is why they are doing everything to harm me and my credit. I want the illegal fraud alerts, addresses and phone numbers removed from my reports. They are the only credit bureau to continue harassing 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 2020-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Lvnv Funding is trying to collect a debt that is not mine. There was a fraud alert placed on my account 5 years ago. I have no business with LVNV and was never called on fraud alert number to give ok to open business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
RE : UNAUTHORIZED CHARGES TO MY ACCOUNT Five unauthorized charges were made to this BofA account, totaling {$240.00}, from XX/XX/2020 through XX/XX/2020. ( I have not used this account for any purchases, only transfers, to date. ) I immediately attempted to contact Bank of America by phone regarding these thefts, and have been unable to reach their Claims Department by phone after numerous calls, at all hours of the day, and with extremely long 'waits ' after which I was repeatedly disconnected. - I then contacted them by email, at XXXX, and was told they can not help me via email and directed me to call XXXX. I have not been able to get through to them at that number either, nor at any other number I've found online. 

I want this stolen money to be restored to my account. Please advise.

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 2020-11-08 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
The derogatory credit shows on my report. The account is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Card Receivables Fund Incorporated
State: IL

Complaint narrative:
4 credit card accounts opened in XXXX under my name. Had been sold to 4 debt collection agency since. The following account are : XXXX. UNIFUND XXXX {$2300.00} / Original Creditor : XXXX XXXX XXXX XXXX XXXX ( Acct # XXXX ) 2. UNIFUND CCR {$4300.00} / Original Creditor : XXXX ( Acct. Last Four # XXXX ) 3. XXXX XXXX XXXX, XXXX {$2800.00} / Original Creditor : XXXX XXXX XXXX ( Acct. Last Four # XXXX ) 4. XXXX XXXX XXXX XXXX {$4100.00} / Original Creditor : XXXX ( Acct. Last Four # XXXX ) My personal data was stolen and I am now being sued. These are not my accounts and I have called the credit bureau but have done nothing but put my account in fraud alert in XX/XX/XXXX. I can provide my credit information to prove my character as I have paid everything on time in the past. These account were all opened at the same time. I have called the creditors and they have not done anything to help me resolve these issues. No receipts or records were provided. When these occurred, I have just graduated school and could not afford the settlement they were asking and these were fraudulent. I am now being harrased by these debt collectors after years of not hearing about it. I've done all in my power to dispute these charges and I need help. I have filed a police report. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I have never opened any such account with Portfolio Recovery A. I also have a fraud alert on my account for past 5 years and should have been notified prior to any new account being opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIRST NATIONAL BANK OF OMAHA
State: IL

Complaint narrative:
4 credit card accounts opened in XX/XX/XXXX-XX/XX/XXXXunder my name. Had been sold to 4 debt collection agency since. The following account are : 1. XXXX XXXX {$2300.00} / Original Creditor : First National Bank of OMAHA ( Acct # XXXX ) 2. XXXX XXXX {$4300.00} / Original Creditor : XXXX ( Acct. Last Four # XXXX ) 3. XXXX XXXX XXXX, XXXX {$2800.00} / Original Creditor : XXXX XXXX XXXX ( Acct. Last Four # XXXX ) 4. XXXX XXXX XXXX XXXX {$4100.00} / Original Creditor : XXXX ( Acct. Last Four # XXXX ) My personal data was stolen and I am now being sued. These are not my accounts and I have called the credit bureau but have done nothing but put my account in fraud alert in XX/XX/XXXX. I can provide my credit information to prove my character as I have paid everything on time in the past. These account were all opened at the same time. I have called the creditors and they have not done anything to help me resolve these issues. No receipts or records were provided. When these occurred, I have just graduated school and could not afford the settlement they were asking and these were fraudulent. I am now being harrased by these debt collectors after years of not hearing about it. I've done all in my power to dispute these charges and I need help. I have filed a police report. 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 2020-11-08 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Recently, I was turned down for a new car loan. This past Friday, I tried to get my " free '' annual credit report from " Equifax '' without any luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: TX

Complaint narrative:
I was not informed that our loan had been transferred and I received nothing from the new servicer Roundpoint telling me that they would be servicing my loan or where to send payment. I had sent my XXXX payment to XXXX XXXX as usual on XX/XX/2020. The check was returned to me some time later, with an explanation that they no longer serviced our loan. When I finally spoke to someone helpful at XXXX, they informed me over the phone that my loan had been transferred and they were no longer my loan company. I received nothing in writing. I asked why my payment had not been forwarded to Roundpoint, and was told that the policy is to return the payment to the former client. 
I then contacted Roundpoint and asked for something in writing stating that they were our new loan servicer as nothing was sent to me either before or after my request for some proof of the loan transfer. I also asked for something stating to where the payment was to be sent and what was our loan number or any documentation to attach to the payment. I was not provided anything after 4 calls to Roundpoint. 
Roundpoint finally did send something in writing, a form document dated XX/XX/2020 Offering free Homeowner Assistance Consultation and multi-page documents for delinquent payers. This document had our new Loan Number and their address at least and I sent them 2 payments as they were indicating I was delinquent, when in fact I had paid on time to my then loan company XXXX. 
Without doubt, this has been an exasperating and disappointing experience. I was not informed my loan was sold, was not given instructions for payment and Roundpoint refused to send any loan payment instructions. In speaking with them over the phone I discovered that they didnt even have our mailing address. Our mailing address is XXXX XXXX XXXX. Our physical address XXXX XXXX XXXX is not a mailing address per the USPS and mail is not delivered to XXXX XXXX  XXXX. Our previous loan servicer had our correct mailing address. 
I pay my debts in a timely fashion and I find it almost incomprehensible that the poor business and customer service practices of Roundpoint Mortgage have adversely affected my good credit.

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 2020-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
There were credit cards & checking accounts opened in my name with NFCU that were fraudulently opened. I have never had NFCU and I told them that. They keep sending me letters in the mail about a credit card payment that I dont even have or ever had!!!!! Same thing with the checking account its not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
On XX/XX/2020 I am filing a compliant with the CFPB because I haven't been able to get any type of response from the credit bureaus. They are not responding to any of my letters and that is a violation of my rights according to the FCRA. I am very stressed and don't know what else to do.

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 2020-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: COLUMBIA BANKING SYSTEM, INC.
State: OR

Complaint narrative:
I file a complaint and this is my ID # XXXX. I see that it has been closed. The company Columbia Bank has not reimbursed me the money they took from my account back in XX/XX/2020 The amount is {$500.00} and have not heard a word from them. They have my address and could have mailed it to me. But they have any effort at all, I have giving them 3 month to straight the problem out. The account a Columbia Bank is closed. They have admitted to making a mistake. You have all the document to show what was done. So they just need to mail it to me right. They took it out of my account without asking me or calling me. So what can we do now? Help?

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 2020-11-08 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: CA

Complaint narrative:
I challenge the reporting practices of Equifax. Ive sent them letters disputing four companies. Equifax failed to mark these items disputed and failed to respond to 3 of 4 within 30 days with information that was requested by me. The main reason I feel they didnt follow the law is because I reached out to those four companies first and none of them reached out to Equifax or the other two major reporting agencies to mark these items disputed or provide information of proof to me. 

I sent out a letter providing my side to CFPB which included what I believe to be evidence that Equifax and these companies did not follow protocol. I never received a complaint number, but did receive a email from CFPB to call regarding this issue. I reached out two times by phone but none of the agents were aware of this particular situation.

Company response to consumer: Closed with explanation