vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-22 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: MN

Complaint narrative:
To Whom it May Concern, This letter is a formal compliant that you are reporting and incomplete credit information. 
According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account

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 2020-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XXXX XXXX I submitted proof to Experian and XXXX that the Bankruptcy item was unverified. On XXXX XXXX I received an alert from Experian stating that they will notify me when my dispute is complete. They fail to remove the accounts that I proved to be unverified. I filed a police report I also filed a identity theft report with the FTC as well as an affidavit. This item remains on my credit hurting my score after I demanded removal with 609 credit letters which ask to send the original documents of these debts or remove the items within 30 days these companies failed to act in removing these items.

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 2020-05-22 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: TX

Complaint narrative:
I request a credit report from Experian and find that there are 3 inquiries which are not result of my action as followed : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ME XXXX ( XXXX ) XXXX XXXX Address ID # ; XXXX Date XX/XX/XXXX Reason Unspecified. This inquiry is scheduled to continue on record until XXXX XXXX. 

XXXX XXXX/XXXX XXXX  No phone # available Address ID # : XXXX Date XX/XX/XXXX Reason Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX ( XXXX ) XXXX XXXX Address ID # : XXXX Date XX/XX/XXXX Reason Business. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

I suspect of identity theft and need to fix these discrepancies. 

Then I file complaint no. XXXX but Experian refuses to remove 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 non-monetary relief
Consumer complaint received 2020-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX i apply for venture capital one cradit card. And there is 0 % intarest for 12 month. Before i transfar balence i call customer service 2 time, ask them there will be any intarest charges? They says no interest untill XX/XX/XXXX. So i transfar balence! but now they are chargin me intarest. So its a trap, they are making their customar fool. Now they saying why i dont read terms and condition befor transfar. But i cant read so thats why i call 2 time. Also i ask then to Listen previous conversation voice record with customer service but they dont. So why i pay from my pocket for their customar survice who make false statements??????

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC
State: CA

Complaint narrative:
I just don't recall any debt from XXXX, I just notice a collection account on my credit report and I doubt is mine, I called to the agency to pay the bill just because I don't want to have that derogatory information on my personal credit report, I asked the collector that I just don't want to waist their time with long investigations and disputes, I was in the position to pay the bill if they can delete the collection account from my credit report but the collectors don't provide me a clear YES or No, they just said I can pay if and " SEE WHAT HAPPENS LATER ''. So I requested a validation of debt and must important where and when this loan was approved since I feel is not mine or is identity theft, The collection agency claimed they are collecting on behalf another collection company so THEY DON'T HAVE THE FILES AVAILABLE but they will request it and send a validation of debt to my mailing address. I haven't received any letter from them and I disputed this collection account with the credit bureaus but they claim is a legitimate debt but they just don't proof it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 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: TFS FINANCIAL CORPORATION
State: OH

Complaint narrative:
Consumer ID # XXXX on XXXX Report. My Accout was overdrawn at XXXX XXXX  XXXX XXXX XXXX back in XXXX. Mortgage with XXXX XXXX and overdrawn account were both named in my Bankruptcy Filing of XX/XX/XXXX and discharged. Somehow a delay in reporting this debt ended up on XXXX though it was already resolved prior. I want it REMOVED IMMEDIATELY and in it's entirety like it never happened because it never should have happened to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
First of all the PHH Mortgage company is overcharging me for fees and late charges.I didn't know my mortgage was sold to PHH mortgage company in XXXX, XXXX. PHH mortgage had the wrong mailing address, they admitted they received the returned mail I have owned the house for over 17 years and i have never been harassed and charged so many fees. 
I know i have equity in the house and i feel like the mortgage company is purposely trying to make me lose the house and have it go in foreclosure. 
I have set up for automated payments and I had that canceled by them. 
I have also been making the payments and have had late on my credit reporting. This is the reporting for month on XXXX, XXXX & XX/XX/XXXX ( during the coronavirus ) This isn't my first home I have owned. I appreciate any help i can get to investigate this mortgage company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-22 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: OH

Complaint narrative:
I am in receipt of an email dated XX/XX/2020, from Equifax with a letter dated XX/XX/2020. The email is regarding the decision and denial of a dispute for an alleged debt to XXXX XXXX, a company I have never done business with, for {$170.00}. 

I have reason to believe I do not owe this debt as I have no knowledge of it. After repeatedly disputing this with Equifax they continue to deny my request to have it removed from my credit report. In accordance with the Fair Credit Reporting Act and Fair Debt Collection Practices Act the original alleged debtor XXXX XXXX XXXX and the collection agency XXXX XXXX were supposed to provide me all of the following information by mail to my Ohio residence : 1. In writing the amount of the alleged debt and the alleged services rendered ; 2. In writing the full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 4.  Documentation showing they are licensed to collect debts in Ohio. 

To this date none of this information has ever been mailed or provided to me in anyway so that I may properly address the alleged debt. Nothing has ever been mailed to my residence address in the state of Ohio where I have resided for the past 3 years. 
As to the creditor class on Equifaxs credit report that this is a medical/healthcare alleged debt this also does not make sense. I have always maintained health insurance and have no outstanding medical bills. Without the proper proof, including what alleged services were rendered and what the billed amounts are specifically for, I can not confirm or address any information that is being claimed. This alleged debt has been placed on my credit report without giving me the proper law provided time and required documentation to investigate and respond to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Today ( XX/XX/2020 ) I tried to lift a freeze on my credit report temporarily. I also tried the one-time pin. Neither of these options work with the PIN and information I have used previously. Last time I had this issue, I was able to call Experian. This time, I am given an automated prompt to file half a dozen documents by mail. I only have this issue with Experian, and it happens every time I try to lift the freeze. I don't see how this is acceptable, especially during a time when access to credit and remaining secure is so important.

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 2020-05-22 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: CORELOGIC INC
State: UT

Complaint narrative:
My Credit Score from CREDCO-SB submitted to a mortgage company is at XXXX ' ( XXXX ) which was based on XX/XX/2019. It was reported that I have -'serious delinquency ' -'too many delinquent accounts ' -delinquent account appears too recent ' These are not true and I refute all of these. We pay off our credit cards in full every month. 

Thanks, 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 2020-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I'm not sure how but I believe someone has been trying to use my identity to apply for new credit lines. I reached out to AMERICAN EXPRESS to get the inquire removed but, they haven't resolved the matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-22 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: MN

Complaint narrative:
To Whom it May Concern, This letter is a formal compliant that you are reporting and incomplete credit information. 
According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it XXXX that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
To Whom it May Concern, This letter is a formal compliant that you are reporting and incomplete credit information. 
According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it XXXX that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account

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 2020-05-22 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: SC

Complaint narrative:
I requested for items to be investigated via mail and they have refused to perform the investigation. Please delete the items on the attached letter from 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 2020-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I'm not sure how but I believe someone has been trying to use my identity to apply for new credit lines. I reached out to SYNCB to get the inquire removed but, they haven't resolved the matter.

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 2020-05-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Accounts & Advisers, Inc.
State: MN

Complaint narrative:
this collections agency valeted the HIPPA law act I demand that the following accounts be removed immediately Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: PRANCER CAPITAL CORP
State: FL

Complaint narrative:
I'm not sure how but I believe someone has been trying to use my identity to apply for new credit lines. I reached out to PRANCER CAPITAL CORP to get the inquire removed but, they haven't resolved the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I requested for items to be investigated via mail and they have refused to perform the investigation. Please delete the items on the attached letter from 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 2020-05-22 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: AR

Complaint narrative:
I was informed by banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. please remove these fraudulent accounts from my report as soon as possible. XXXX XXXX  XXXX {$9700.00} CHAPTER XXXX BANKRUPTCY DISCHARGED CHAPTERS XXXX BANKRUPTCY DISHCARGED CHAPTER XXXX BANKRUPTCY FILED

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 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 have filed a dispute with the three credit bureaus ( Trans Union, XXXX, and XXXX  ) about unverified accounts or inquiries reported on my account. 

I have mailed and faxed the necessary information needed to identify my account their failure to positively verify, through the physical verification of the original signed consumer contract, these accounts has hurt my ability to obtain credit. 

Under the FCRA, unverified accounts must be removed and if unable to provide me a copy of verifiable proof, the listed above credit bureaus must remove the accounts and or 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 2020-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc
State: CA

Complaint narrative:
Hunter Warfield keep calling my phone and ask me to call back, can you please stop them.

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 2020-05-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
medical debit not mine or has been

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 2020-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
XX/XX/2019. Well Fargo agent contact me about my account being late. They offered to settled the debt and they offered to allow it to be 3 equal payments and would close the account. They account is being misrepresented on my credit report across all three credit bureaus. I have contacted them and they keep transferring me different departments with no resolve to the matter. This is preventing my credit score to improve to get a VA Loan.

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 2020-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I'm not sure how but I believe someone has been trying to use my identity to apply for new credit lines. I reached out to REGIONAL ACCEPTANCE CORP to get the inquire removed but, they haven't resolved the matter.

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 2020-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
snerprise consultants listed a XXXX bill on my credit report. I dont know what it is

Company response to consumer: Closed with explanation