vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
currently XXXX is reporting a fraudulent account on my report. I'm beyond frustrated. I've had to file a complaint and hopefully they'll catch the theif. I understand the credit reporting agency are simply doing their jobs but by them not responding and deleting the fraudulent information it's unfair to me. I am asking them to block the unauthorized inquiries from my report as well as block the XXXX account from my file. I found out that my information was exposed in several data breaches around 2015 and ive not known until 3 months ago that I could correct this according to the Federal Trade Commission and CFPB XXXX XXXX XXXX XX/XX/2015 XXXX XXXX-NEVER LATE INNACURATE LATE PAYMENT REPORTING/ I WAS TOLD MY ACCOUNT WAS CONFUSED WITH SOMEONE WITH A SIMIALAR NAME BEING MY NAME IS VERY POPULAR PLEASE SEE ATTACHMENT FOR THE 40 UNATHORIZED INQUIRIES THAT NEED TO BE BLOCKED 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 2019-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: OH

Complaint narrative:
I.C.SYSTEMS : XXXXXX TO WHOM IT MAY CONCERN : I am filing this complaint due to an account that was settled in full and was supposed to be deleted and remove from my credit report for the account being settled in full.The above account was paid yet the account still remains on my credit report. This is a request for a good-faith adjustment to my credit report! my name is XXXX XXXX DOB XX/XX/XXXX. I would like to buy a home but this PAID COLLECTIONS IS STILL HOLDONG ME UP!!!

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 2019-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Berman & Rabin, P.A.
State: SC

Complaint narrative:
I received a letter regarding an alleged debt in XX/XX/2019. I responded in writing advising them that I had no knowledge of alleged debt. They again sent another letter dated XX/XX/XXXX giving me " Final Notice '' that unless this debt was paid in full within 10 days they account may be placed with a law firm in my jurisdiction to file suit. 
I responded in writing once again disputing this alleged debt. Today on XX/XX/XXXX I received a voicemail from this company demanding payment for this alleged debt. Now it is clear that they have violated the FDCPA and continuing to collect on a debt without providing any proof or requested validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Fein, Such, Kahn & Shepard, P.C.
State: NJ

Complaint narrative:
I received correspondence on XX/XX/2019 with regard to a debt owed to XXXX XXXX University. In response on XX/XX/2019 I sent a verification of debt letter. In response to my letter of XX/XX/2019 I received an envelope full of a contract with email correspondence. I then contacted them on XX/XX/2019 to advise that this debt is not owed as the contact I had with this school has been fulfilled enclosing proof of same. Instead I received a copy of a Summons and Complaint suing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 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: FL

Complaint narrative:
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.

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 2019-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA

Complaint narrative:
on XX/XX/XXXX I obtained line of credit from XXXX  XXXX XXXX , XXXX, with amount of {$250000.00} with account number # XXXX on XXXX XXXX  XXXX XXXX breach its contract and at that time that I need it most caused me forclosure of my 3 properties in Virginia XXXX XXXX XXXX XXXX, XXXX close that account on XX/XX/XXXX. first third party debt collector SELECTIVE PORTFOLIO SERVICING INC. with same line of credit but with different account number # XXXX ( amount of {$160000.00} XXXX  XXXX XXXX, XXXX closed it on XX/XX/XXXX ) and their account number XXXX I never had any contract with them they never lend me any money and I received a letter dated XX/XX/XXXX threaten me will forclosure scheduled for XX/XX/XXXX. I need your help to prevent more damages to I, my family, and my property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 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:
XXXX, TRANSUNION  AND XXXX HAS ITEMS ON MY ACCOUNT THAT ARE NOT MINE/INACCURATE. 

ADDRESES : XXXX XXXX XXXX XXXX, FL XXXX-NOT MINE PLEASE DELETE. 
XXXX XXXX XXXX XXXX, FL XXXX-NOT MINE PLEASE DELETE. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX-NOT MINE PLEASE DELETE. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-NOT MINE PLEASE DELETE. 
XXXX  XXXX XXXX XXXX XXXX, FL XXXX-NOT MINE PLEASE DELETE. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-NOT MINE PLEASE DELETE. 

NAMES : XXXX XXXX-NOT MINE PLEASE DELETE. 
XXXX XXXX-NOT MINE PLEASE DELETE.

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 2019-11-13 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: FL

Complaint narrative:
EQUIFAX, XXXX  AND XXXX  HAS ITEMS ON MY ACCOUNT THAT ARE NOT MINE/INACCURATE. 

ADDRESES : XXXX XXXX XXXX XXXX, FL XXXX-NOT MINE PLEASE DELETE. 
XXXX XXXX XXXX XXXX, FL XXXX-NOT MINE PLEASE DELETE. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX-NOT MINE PLEASE DELETE. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-NOT MINE PLEASE DELETE. 
XXXX  XXXX XXXX XXXX XXXX, FL XXXX-NOT MINE PLEASE DELETE. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-NOT MINE PLEASE DELETE. 

NAMES : XXXX XXXX-NOT MINE PLEASE DELETE. 
XXXX XXXX-NOT MINE PLEASE DELETE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-13 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Midwest Recovery Systems
State: PA

Complaint narrative:
This company showed up on my credit report trying to report on a title loan through XXXX  XXXX from 2015. It reported as new. Title loans do not go on credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
equifax, XXXX  and XXXX have accounts on my credit report that are not mine/inaccurate. 

accounts : XXXX Account : XXXX**** Investigate Ownership : I have no knowledge of this account THIS IS NOT MY ACCOUNT. PLEASE DELETE. 
Creditor : XXXX XXXX Account : XXXX**** I have no knowledge of this account THIS IS NOT MY ACCOUNT. PLEASE DELETE. 
Creditor : XXXX XXXX Account : XXXX**** I have no knowledge of this account THIS IS NOT MY ACCOUNT. PLEASE DELETE. 
Creditor : XXXX XXXX Account : XXXX**** I have no knowledge of this account THIS IS NOT MY ACCOUNT. PLEASE DELETE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
I am filing a complaint against AD Astra Recovery Services for erroneously reporting two bad debt accounts on my credit profile with ALL three credit bureaus. I contacted AD Astra on XX/XX/XXXX and spoke with a Rep by the name of XXXX. I was informed that the original creditor was XXXX XXXX and the debt is from two online installment loans in the amount of {$1500.00} each. XXXX said a loan in the amount of {$1500.00} was taken on XX/XX/XXXX ( account # XXXX ) and a second loan in the amount of {$1500.00} was taken on XX/XX/XXXX ( account number XXXX ). XXXX said the loan taken on XX/XX/XXXX was paid in full by a debit card, but that transaction was subsequently reported as fraudulent. I informed XXXX that these debts do not belong to me because I have never taken an online loan with XXXX XXXX. I asked her to provide me with documentation that the loans were taken by me. XXXX said she could not provide me with any documentation and suggested that I file a police report or complete a fraud affidavit with the FTC. I have never received any communication from XXXX XXXX or AD Astra Recovery about these debts. This erroneously debt was brought to my attention when I was recently denied credit and I contacted the credit bureaus for a credit report. 

If this issue is not resolved within 30 days, I will file a civil law suit against AD Astra as this negative reporting on my credit has created a serious financial impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: LA

Complaint narrative:
Discover Financial sent a 1099-c cancellation of debt to the IRS in XXXX. I never received the document in XX/XX/XXXX. i do not recall ever having a card with discover. I called Discover to request statements of the so called account. They responded the account was opened and closed in XXXX and they charged off in XXXX and they do not keep records after 7 years being XX/XX/XXXX-XX/XX/XXXX. How can they claim a debt with no proof? What are my legal rights disputing them?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 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: FL

Complaint narrative:
XXXX, XXXX  and transunion have accounts on my credit report that are not mine/inaccurate. 

accounts : XXXX Account : XXXX Investigate Ownership : I have no knowledge of this account THIS IS NOT MY ACCOUNT. PLEASE DELETE. 
Creditor : XXXX XXXX Account : XXXX I have no knowledge of this account THIS IS NOT MY ACCOUNT. PLEASE DELETE. 
Creditor : XXXX XXXX Account : XXXX I have no knowledge of this account THIS IS NOT MY ACCOUNT. PLEASE DELETE. 
Creditor : XXXX XXXX Account : XXXX I have no knowledge of this account THIS IS NOT MY ACCOUNT. PLEASE DELETE

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 2019-11-13 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: FL

Complaint narrative:
XXXX, experian and XXXX  have accounts on my credit report that are not mine/inaccurate. 

accounts : XXXX Account : XXXX**** Investigate Ownership : I have no knowledge of this account THIS IS NOT MY ACCOUNT. PLEASE DELETE. 
Creditor : XXXX XXXX Account : XXXX**** I have no knowledge of this account THIS IS NOT MY ACCOUNT. PLEASE DELETE. 
Creditor : XXXX XXXX Account : XXXX**** I have no knowledge of this account THIS IS NOT MY ACCOUNT. PLEASE  DELETE. 
Creditor : XXXX XXXX Account : XXXX**** I have no knowledge of this account THIS IS NOT MY ACCOUNT. PLEASE DELETE

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 2019-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
LVNV FUNDING LLC XXXXXXXX TO WHOM IT MAY CONCERN : I am filing this complaint due to an account that was settled in full and was supposed to be deleted and remove from my credit report for the account being settled in full.The above account was paid yet the account still remains on my credit report. This is a request for a good-faith adjustment to my credit report! my name is XXXX XXXX DOB XX/XX/XXXX. 
I would like to buy a home but this PAID COLLECTIONS IS STILL HOLDONG ME UP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-13 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: ONLINE Information Services, Inc.
State: OH

Complaint narrative:
ONLINE COLLECTIONS TO # XXXXXX WHOM IT MAY CONCERN : I am filing this complaint due to an account that was settled in full and was supposed to be deleted and remove from my credit report for the account being settled in full.The above account was paid yet the account still remains on my credit report. This is a request for a good-faith adjustment to my credit report! my name is XXXX XXXX DOB XX/XX/XXXX .I  would like to buy a home but this PAID COLLECTIONS IS STILL HOLDONG ME UP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-11-13 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to XXXX transactions that I have made/accounts that I have opened XXXX, as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section XXXX of the Fair Credit Reporting Act.

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 2019-11-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX XXXX for erroneously reporting two bad debt accounts on my credit profile with ALL three credit bureaus. I contacted XXXX  XXXX on XX/XX/XXXX and spoke with a Rep by the name of XXXX. I was informed that the original creditor was Speedy Cash.com and the debt is from two online installment loans in the amount of {$1500.00} each. XXXX said a loan in the amount of {$1500.00} was taken on XX/XX/XXXX ( account # XXXX ) and a second loan in the amount of {$1500.00} was taken on XX/XX/XXXX ( account number XXXX ). XXXX said the loan taken on XX/XX/XXXX was paid in full by a debit card, but that transaction was subsequently reported as fraudulent. I informed XXXX that these debts do not belong to me because I have never taken an online loan with Speedy Cash. I asked her to provide me with documentation that the loans were taken by me. XXXX said she could not provide me with any documentation and suggested that I file a police report or complete a fraud affidavit with the FTC. I have never received any communication from Speedy Cash or XXXX  XXXX XXXX about these debts. This erroneously debt was brought to my attention when I was recently denied credit and I contacted the credit bureaus for a credit report. 

If this issue is not resolved within 30 days, I will file a civil law suit against XXXX XXXX as this negative reporting on my credit has created a serious financial impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2019, I booked a reservation at the XXXX  airport XXXX XXXX with my Chase Marriott rewards Visa credit card for Tuesday, XX/XX/2019 but it showed the wrong date after booking. I immediately contacted the merchant to advise that they booked the wrong date. Merchant refused to respond. Merchant attempted to charge me for services that were not provided. I provided documentation of this to Chase and they have refuse to remove this invalid charge. Merchant has lied about the dates that were booked. Merchant has refused to respond to me. Chase is now charging me for services that were not rendered. I am being billed {$170.00} for a hotel stay that I never stayed at, and which the merchant booked the wrong date. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 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: DISCOVER BANK
State: MA

Complaint narrative:
I have a discover it credit card, On XX/XX/2019 they closed my account because of not enough personal information. But I faxed them three times my ssn and my driver license. They called me the last minute  saying that they cant see my driver license because of too blurry. I am going to fix it in few days, but they closed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
I recently became a XXXX XXXX leader along with another woman, and went to TCF bank XXXX XXXX XXXX # XXXX on XX/XX/2019 to have the existing XXXX XXXX XXXX  account transferred to myself and the other new leader and to have the former leaders removed from the account. We answered questions, showed ID, and filled out paperwork and were told at the branch that the retiring leaders had been removed and that myself and the other new leader were now the holders of the account. 

On XX/XX/XXXX and again on XX/XX/XXXX the former holder of the account, who is no longer an authorized user, received mail regarding the account. On XX/XX/XXXX XXXX called TCF at XXXX to advise them that they were sending mail to someone who is no longer an authorized user on the account. I spoke with " XXXX '' ( teller # XXXX ) who refused to update the address over the phone even after I stressed that by failing to do so they would be sending my financial information to an unauthorized third party. Because I work full time I will be unable to visit a branch in the near future.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation