vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear Sir or Madam, As discussed with the lender to no avail, I was not aware that XXXX XXXX XXXX had assumed my mortgage from the previous lender, as I had received no correspondence nor any phone calls from anyone until XX/XX/XXXX. 
On XX/XX/XXXX, I spoke with XXXX XXXX XXXX XXXX customer service representative who explained that XXXX XXXX XXXX had become the new lender, and, as a result, it was owed 3 months-worth of mortgage payments. Even though I was surprised that nobody had contacted me before, on the very same day, I wired the amount owed at that time, i.e., {$5100.00}. Since then, I have been paying the mortgage payments regularly, that is, I paid {$1200.00} on XX/XX/XXXX, and {$1200.00} on XX/XX/XXXX. In addition, I also enrolled in automatic payments. As my credit history demonstrates, I have never, not once, missed a payment with any creditor. Despite XXXX XXXX XXXX failure to contact me about the assumption of my mortgage until XX/XX/XXXX, and despite my punctual payments since then, they have not updated my statements. In addition, to my surprise, they have also reported false information to credit agencies and noted that I have missed all payments to date, even though I have paid all that is owed so far, that is, a total of {$7700.00}. 
I am therefore hoping that you would assist with this matter and request that they update their records and immediately withdraw the delinquency notice with the credit agencies. 
Please contact me at XXXX if there is anything I can provide ( bank statements, etc. ). 
Thank you and best regards, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Sir or Madam, As discussed with the lender to no avail, I was not aware that XXXX XXXX XXXX had assumed my mortgage from the previous lender, as I had received no correspondence nor any phone calls from anyone until XX/XX/XXXX. 
On XX/XX/XXXX, I spoke with XXXX XXXX Bank 's customer service representative who explained that XXXX XXXX Bank had become the new lender, and, as a result, it was owed 3 months-worth of mortgage payments. Even though I was surprised that nobody had contacted me before, on the very same day, I wired the amount owed at that time, i.e., {$5100.00}. Since then, I have been paying the mortgage payments regularly, that is, I paid {$1200.00} on XX/XX/XXXX, and {$1200.00} on XX/XX/XXXX. In addition, I also enrolled in automatic payments. As my credit history demonstrates, I have never, not once, missed a payment with any creditor. Despite XXXX XXXX XXXX failure to contact me about the assumption of my mortgage until XX/XX/XXXX, and despite my punctual payments since then, they have not updated my statements. In addition, to my surprise, they have also reported false information to credit agencies and noted that I have missed all payments to date, even though I have paid all that is owed so far, that is, a total of {$7700.00}. 
I am therefore hoping that you would assist with this matter and request that they update their records and immediately withdraw the delinquency notice with the credit agencies. 
Please contact me at XXXX if there is anything I can provide ( bank statements, etc. ). 
Thank you and best regards, XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-01-18 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: TN

Complaint narrative:
I checked my credit report an saw several account that did not belong to me, so i got in contact with the companies to let them know that these accounts were not mines. I also provided my drivers license and social security card to prove that the accounts were not mines but they refused to investigate them. So i decided to file the necessary documents to show that i have been a victim of identity thief to the best of my knowledge. The following accounts are not mines : XXXX XXXX XXXX # XXXX XX/XX/XXXX {$730.00} XXXX/XXXX # XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX # XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX {$730.00} XXXX XXXX # XXXX XX/XX/XXXX {$1000.00} XXXX XXXX # XXXX XX/XX/XXXX {$1700.00} XXXX XXXX # XXXX XX/XX/XXXX {$500.00} XXXX XXXX XX/XX/XXXX XXXX {$2200.00}

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 2020-01-18 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: TN

Complaint narrative:
I checked my credit report an saw several account that did not belong to me, so i got in contact with the companies to let them know that these accounts were not mines. I also provided my drivers license and social security card to prove that the accounts were not mines but they refused to investigate them. So i decided to file the necessary documents to show that i have been a victim of identity thief to the best of my knowledge. The following accounts are not mines : XXXX  XXXX XXXX  # XXXX XX/XX/XXXX {$730.00} XXXX # XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX  # XXXX XX/XX/XXXX {$0.00} XXXX XXXX # XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX {$730.00} XXXX XXXX # XXXX XX/XX/XXXX {$1000.00} XXXX XXXX # XXXX XX/XX/XXXX {$1700.00} XXXX XXXX # XXXX XX/XX/XXXX {$500.00} XXXX XXXX XX/XX/XXXX XXXX {$2200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-18 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: FL

Complaint narrative:
I attended XXXX XXXX College XXXX for summer and fall sessions. I moved from XXXX to XXXX Florida for a family emergency in XX/XX/XXXX. I never received any emails or forwarded mail about my payments or when they would be do. I check my credit periodically and noticed in XX/XX/XXXX that they hit my credit score saying that my payments were late by 120 days and 90 days. I immediately called them and explained the situation and they stated that they could not take it off my credit. I have submitted multiple disputes but none will go through. I have showed that I make all of my payments on time and plan to continue to make them until the loan is paid off.

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 2020-01-18 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: Convergent Resources, Inc.
State: TN

Complaint narrative:
This account is not mines i have tried to resolve this issue with the debt collection company because this is identity thief but they refuse to investigate this account. 

CONVERGENT OUTSOURCI XX/XX/2019 XXXX {$2200.00}

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 2020-01-18 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 — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I was contacted by XXXX credit card ( Comenity ) about possible fraud on my card in XXXX. I called them, and told them I had not made the charge, didn't know who the company was, and had not received anything from that company. The girl I spoke to told me it couldn't be fraud, it was a recurring charge, and therefore I had to have given them my number. She told me I would have to cancel the billing with the company myself. That seemed unlikely to me, but I tried. The Company 's phone number is never answered, you don't get a valid signal, and I emailed three times but they never responded. This month I saw that the company had charged me again, in spite of all the emails, and still didn't send me anything. I called Comenity again, and they still said they couldn't help me, the only way that the company could have gotten the credit card number was from my giving it to them. I asked them to try the phone number, but they wouldn't, and I offered to forward the emails, but she didn't want them. She told me the only thing I could do would be to close the account, so I did. But Comenity will still be billing me for those charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
XX/XX/XXXX Capital One Disputes VIA FACSIMILE- XXXX Case Number : XXXX Merchant : XXXX-XXXX  Date of Transaction : XX/XX/XXXX Disputed Amount : {$32.00} Dear Sir or Madam : Please be advised that I am in receipt of your letter dated XX/XX/XXXX, concerning the above captioned dispute. In my original complaint and also the attached questionnaire provided by Capital One and filled out by the card member, the merchandise/food order was never delivered successfully. As mentioned previously, the delivery driver XXXX was rushing and dropped the plastic bag of food in Styrofoam containers on the outside sidewalk. The order was refused and the driver took the order back. 

The order receipt was never signed for by anyone and the information provided by the merchant under " customer details '' does not even list the correct name of the card member, it has a name listed as XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I was served certified mail today ... XX/XX/XXXX, saying that i had been sued by Asset Acceptance LLC, for judgement {$3900.00} .I don't think this is my debt and was never notified i was being sued .The debt is from XX/XX/XXXX. The Cause no. is XXXX and is filed in precinct XXXX place XXXX, XXXX county Texas.Papers were filed by XXXX XXXX of Midland Credit Management. Thank you in advance XXXX XXXX XXXX XXXX XXXX Ph XXXX XXXX XXXX Email Address is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18 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: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
I have tried to resolve this issue with the debt collector because this is not my account. I have been a victim of idenity theif. I have asked that several times to investigate this item. The item listed below is the account that is not mines : PORTFOLIO RECOVERY # XXXX XX/XX/2018 {$1000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-18 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: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
I have tried to resolve this issue with the debt collector because this is not my account. I have been a victim of idenity theif. I have asked that several times to investigate this item. The item listed below is the account that is not mines : PORTFOLIO RECOVERY # XXXX XX/XX/2018 {$1700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-18 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: CORELOGIC INC
State: NY

Complaint narrative:
To Whom it May Concern, I have recently obtained a copy of my credit reports that reflects a credit inquiry made by your company that I do not recall authorizing. 
This letter is your formal notice to remove the unauthorized hard inquiry your organization has made to my credit report. This is also a formal request for you to immediately contact the credit reporting agencies and credit bureaus, to have the unauthorized inquiry removed. 

To the best of my knowledge, I did not sign any documents authorizing your organization to view my credit history. As such, your inquiry violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions not initiated by Consumer. 
If you have any documents that you believe authorized your organization to make the inquiry, I respectfully request a copy of it to be sent to my address so that I may verify its validity. Given the growing nature of identity theft, this verification will protect both our interests.

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 2020-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I used Bluebird by American Express bill pay to pay my XXXX XXXX  Consumer loans account on XX/XX/XXXX ... .I found out 2 to 3 days later that it was sent to the wrong business. I canceled the transaction because it was the wrong business and the wrong address on XXXX XXXX XXXX. They told me it would be 10 days to investigate it. Today they told me it would be another 10 days to investigate even though I have no business with the company that " received '' the money. These people are holding my money hostage all while making my creditor wait for payment. This is damaging my credit. I WANT MY MONEY BACK NOW! They are collecting interest off my money at my expense this needs to be investigated!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Bank of America is reporting an erroneous account on my credit reports. They are reporting the balance of {$940.00}. I sent a Validation of Debt letter to Bank of America on XX/XX/2019 and received no response. I have even challenged through the credit bureaus with no success. I demand this be removed from my credit reports. Account # ending in 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 2020-01-18 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: The Bureaus, Inc.
State: TN

Complaint narrative:
I have tried to resolve this issue with the debt collector because this is not my account. I have been a victim of idenity theif. I have asked that several times to investigate this item. The item listed below is the account that is not mines : THE BUREAUS # XXXX**** XX/XX/2017 {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc.
State: OH

Complaint narrative:
This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. I am also requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-18 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: Exeter Finance, LLC.
State: NY

Complaint narrative:
To Whom it May Concern, I have recently obtained a copy of my credit reports that reflects a credit inquiry made by your company that I do not recall authorizing. 
This letter is your formal notice to remove the unauthorized hard inquiry your organization has made to my credit report. This is also a formal request for you to immediately contact the credit reporting agencies and credit bureaus, to have the unauthorized inquiry removed. 

To the best of my knowledge, I did not sign any documents authorizing your organization to view my credit history. As such, your inquiry violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions not initiated by Consumer.

If you have any documents that you believe authorized your organization to make the inquiry, I respectfully request a copy of it to be sent to my address so that I may verify its validity. Given the growing nature of identity theft, this verification will protect both our interests.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
To Whom it May Concern, I have recently obtained a copy of my credit reports that reflects a credit inquiry made by your company that I do not recall authorizing.

This letter is your formal notice to remove the unauthorized hard inquiry your organization has made to my credit report. This is also a formal request for you to immediately contact the credit reporting agencies and credit bureaus, to have the unauthorized inquiry removed.

To the best of my knowledge, I did not sign any documents authorizing your organization to view my credit history. As such, your inquiry violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions not initiated by Consumer.

If you have any documents that you believe authorized your organization to make the inquiry, I respectfully request a copy of it to be sent to my address so that I may verify its validity. Given the growing nature of identity theft, this verification will protect both our interests.

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 2020-01-18 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: NY

Complaint narrative:
To Whom it May Concern, I have recently obtained a copy of my credit reports that reflects a credit inquiry made by your company that I do not recall authorizing.

This letter is your formal notice to remove the unauthorized hard inquiry your organization has made to my credit report. This is also a formal request for you to immediately contact the credit reporting agencies and credit bureaus, to have the unauthorized inquiry removed. 

To the best of my knowledge, I did not sign any documents authorizing your organization to view my credit history. As such, your inquiry violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions not initiated by Consumer. 
If you have any documents that you believe authorized your organization to make the inquiry, I respectfully request a copy of it to be sent to my address so that I may verify its validity. Given the growing nature of identity theft, this verification will protect both our interests.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-18 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
To Whom it May Concern, I have recently obtained a copy of my credit reports that reflects a credit inquiry made by your company that I do not recall authorizing. 
This letter is your formal notice to remove the unauthorized hard inquiry your organization has made to my credit report. This is also a formal request for you to immediately contact the credit reporting agencies and credit bureaus, to have the unauthorized inquiry removed. 

To the best of my knowledge, I did not sign any documents authorizing your organization to view my credit history. As such, your inquiry violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions not initiated by Consumer.

If you have any documents that you believe authorized your organization to make the inquiry, I respectfully request a copy of it to be sent to my address so that I may verify its validity. Given the growing nature of identity theft, this verification will protect both our interests.

Company response to consumer: Closed with explanation