vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-23 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: NV

Complaint narrative:
These accounts listed and the Chapter XXXX Bankruptcy isn't mine. I have provided a document to show this. Please remove 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 2020-01-23 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: PA

Complaint narrative:
Someone obtained my social security information along with my date of birth and opened up the following credit cards and financial accounts : - XXXX XXXX XXXX - XXXX  XXXX 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 explanation
Consumer complaint received 2020-01-23 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: PA

Complaint narrative:
Someone obtained my social security information along with my date of birth and opened up the following credit cards and financial accounts : - XXXX XXXX XXXX - XXXX XXXX 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 2020-01-23 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: NV

Complaint narrative:
These accounts listed and the Chapter XXXX Bankruptcy isn't mine. I have provided a document to show this. Please remove them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-23 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:
everyone is aware of the many data breaches. my wallet was stolen a while ago while i was hospitalized, and that was a mess and soon after, when i was turned down for credit, i reviewed my credit report to find several accounts/creditors, and other inquiries, obviously the thief is trying to get more credit. i've always had perfect credit, and this is ruining my ability to commerce. my mother is coming from XXXX to live with me, and i need to have access to credit options, to take care of her and myself, can anyone please help me. i have contacted the bureaus several times, and they have refused to remove this negative information off of my report. being from another country i can not understand how anyone can put something on a persons report, and then the innocent party pays a cost. ve written the bureaus and the creditors asking me to provide the contracts with my wet ink signature, and to date not one has responed, and the negative information remains on my file, can anyone please help me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 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:
everyone is aware of the many data breaches. my wallet was stolen a while ago while i was hospitalized, and that was a mess and soon after, when i was turned down for credit, i reviewed my credit report to find several accounts/creditors, and other inquiries, obviously the thief is trying to get more credit. i've always had perfect credit, and this is ruining my ability to commerce. my mother is coming from XXXX to live with me, and i need to have access to credit options, to take care of her and myself, can anyone please help me. i have contacted the bureaus several times, and they have refused to remove this negative information off of my report. being from another country i can not understand how anyone can put something on a persons report, and then the innocent party pays a cost. ve written the bureaus and the creditors asking me to provide the contracts with my wet ink signature, and to date not one has responed, and the negative information remains on my file, can anyone please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Under the rights FCRA, My rights have been violated by the 3 credit bureaus. Equifax, XXXX, XXXX. For the past year now XX/XX/2019. There has been inaccurate information placed on my credit file. Account information inaccurate, Old fraudulent debt reported has new. Between XXXX, XXXX, XXXX. I disputed 3 collection agency with the 3 credit bureaus. XXXX XXXX, XXXX XXXX. ALSO XXXX XXXX XXXX. Two which were medical debt that was not mines. Credit reporting agency allowed these collection agency to report inaccurate information, I send letters in for validation. These agency violated HIPPA. They violated my rights under FCRA. In XX/XX/2019 I sent in Proof of these violations to the 3 reporting Agencies. After a few weeks they deleted this items off of my credit report. I have all Proof and paper work. As of XX/XX/2019 Equifax, XXXX, XXXX, has allowed these same collection agencies to report inaccurate information on my credit file as New! While I'm proceeding litigation. This has caused my credit score to drop significantly. This has cause so many damages under FCRA, it has also caused me and my family distress. I have all of my paper work together along with proof of inaccurate, on all of my credit file. Under FCRA Part ( A ) ( 5 ) ( B ) ( ii ), Also Under FCRA Section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 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: Finance System of Richmond, Inc.
State: VA

Complaint narrative:
There is a collection account that appeared on my credit report from Finance System. This is reported as a medical collection out of Florida. I have never had medical services from the area. Additionally, I have lived in Virginia during the time the services were rendered.

I contacted the collection company via a phone, Finance System, and they stated the information did not match my information. Specifically the date of birth. The representative who handles these disputes continues to be unavailable. Additionally, a written request has returned undeliverable even though this is the address provided to XXXX.

It was discovered that the first 5 digits of the social also do not match. This was determined by contacting the original creditor as provided by Finance System.

This collection is not mine and the predatory nature in which the collection company blindly assigns the debt is appalling and detrimental. I have no documents other than my credit report. However, there are no documents from the services rendered proving that this is my debt. Also, if documents are provided from the original creditor it would show that this debt is not related to me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 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:
In XX/XX/XXXX I had submitted a request for a credit line of XXXX through XXXX ( I have a credit card with XXXX Signature card ) as I was trying to pre order a new product from XXXX. Needless to say, I was declined for the credit line even though my credit was in the 720s ( I thought ) So I researched through my account with Experian and saw that my Credit score had dropped to XXXX because of a dispute I had requested from what was being reported that I owed on my XXXX XXXX Account. The credit report stated it was XXXX and in reality it was only XXXX. I reviewed my dispute completion information and Experian had stated everything was correct. Which in fact they had changed the entire account from being an Excellent payment history to Good .. the date showing when I had opened the account was changed from XX/XX/XXXX to XXXX and the months in between those years were changed to missed payments and charge offs.. I was utterly dumbfounded because I ONLY disputed the amount I owed. I have contacted Experian and spoke to representative on XX/XX/XXXX to ask how cld my account being reported be changed in a matter of weeks from being 99 % accurate to 100 % inaccurate. The specialist stated that the best they could do is close the previous dispute and open a new dispute. I have uploaded all relevant documents from the merchant, my personal bank account and the contract itself in order for them to review. All the information I have given them is 100 % accurate and still Experian has not corrected my information. Today XXXX at XXXX XXXX  I called XXXX corporate office to discuss where the disconnect was and their information theyve been reporting to Experian. Their representative at XXXX ( XXXX ) had stayed that all the information I have in my possession and on my account through their website is 100 % accurate to where the account was opened on XX/XX/XXXX, no missed payments and the amount owed is only XXXX not the XXXX that Experian is reporting. That its an error on Experian. Im baffled at how this could happen in a matter of weeks simply on an amount owed dispute.. granted I understand this could be an honest mistake but under the Fair Credit Reporting Act any false information that has been reported or inputted on my account that resulted in me being declined for a line of credit could result in a lawsuit. Not that this is my intention. Not at all. I just want the truth to be reported and or inputted correctly

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 2020-01-23 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XX/XX/19 there was a XXXX fraudulent charge on our card we contacted Chase the following morning after seeing the email to notify them of the fraudulent charge, No problem they would credit our acct. and issue new cards. They would turn it over to their fraud department. mid XXXX we were notified the charge would be put back on our card. The fraud department said they determined we benefited from the charge. They determined that we shopped at the same chain store the charges were made to. It seems apparent that they have not done any investigating into the matter. All they know is there was a fraudulent charge through ecommerce to XXXX. I was instructed if I could find out anything on my own to report it. So on my own I investigated and determined that someone ordered online 3 tons of merchandise ( very large truck ) - XXXX sheets of XXXX x XXXX gypsum board and XXXX cases of white siding from a store almost 2 hours away in the XXXX Illinois XXXX area. I live in the XXXX, Il area 3 XXXX within 30 to 40 minutes from my home. 

Amazing that this was so far from the norm of an almost 20 year customer that has faithfully paid his bill in full each month. A bill that probably average over XXXX each month. Basically called a thief until I can prove otherwise. What will it take?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Midwest Recovery Systems
State: IL

Complaint narrative:
XX/XX/2016 agreement was reached with XXXX XXXX XXXX XXXX on behave of XXXX XXXX XXXX for a settlement amount of {$880.00}. Final payment of settlement was made XX/XX/2016. We have final settlement letter on hand. Since then we have been repeatedly contacted by multiple collection agencies attempting to make a collection for {$570.00} on behave of XXXX XXXX XXXX. There was only one transaction that was ever owed to XXXX XXXX XXXXo and that was settled. No other loans or transactions made with XXXX XXXX XXXX have ever gone into collections. Each time we have been contacted we have been threatened with legal action and/or arrest. Once explained that this matter should have been resolved and having offered proof the collector became more and more aggressive. We would like to have this permanently cleared from my credit and the harassment to stop. This has been going on for almost 4 yrs every 2 or 3 months and it is always a different agency calling with the same information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 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: MN

Complaint narrative:
I HAVE SUBMITTED NUMEROUS DISPUTES REGARD THIS XXXX/XXXX CHARGE OFF ACCOUNT ON MY CREDIT FILE. THIS COMPANY HAS NOT SUBMITTED ANY PROOF THIS ACCOUNT BELONGS TO ME, BUT I HAVE SUBMITTED PROOF THAT I AM A VICTIM OF IDENTITY THEFT. I HAVE SUBMITTED POLICE REPORTS WITH THIS XXXX ACCOUNT MENTIONED IN SAID POLICE REPORT THAT THIS IS A FRAUDULENT ACCOUNT. EQUIFAX HAS YET TO TELL ME WHY THIS CHARGED OFF ACCOUNT IS REMAINING ON MY CREDIT FILE. I HAVE BEEN FIGHTING THIS OVER YEAR NOW. MY POLICE REPORT IS VALID AND HAS BEEN SUBMITTED TO FDIC AND EQUIFAX. THIS COMPANY XXXX IS VIOLATING MY FCRA AND THE FCBA. THEY ARE ALSO RETALIATING AGAINST ME FOR SUBMITTING THESE DISPUTES. IT DOESN'T HURT THIS COMPANY AT ALL TO REMOVE THIS PETTY CHARGE-OFF ACCOUNT, THEY JUST WON'T REMOVE IT BECAUSE THEY ARE TRYING TO HURT ME. WHICH IS A FORM OF RETALIATION. I HAVE NEVER HEARD OF THIS COMPANY NOR HAD ANY CONTACT WITH THEM. EXCEPT TO INFORM THEM THIS ACCOUNT DOESN'T BELONG TO ME. I NEITHER HAVE NOR HAVE ANY PRODUCTS OR SERVICES FROM THIS COMPANY. IN ORDER FOR CREDIT BUREAUS TO LEAVE THIS ON MY CREDIT FILE, THEY MUST SUBMIT PROOF THAT I OPENED THIS ACCOUNT, AND THEY CAN NOT BECAUSE THIS ACCOUNT WAS OPENED ONLINE, WHICH WAS DONE BY SOMEONE WHO HAS COMMITTED IDENTITY FRAUD AGAINST MY GOOD NAME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below :??? XX/XX/2019 for 30 days??? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 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: NV

Complaint narrative:
There are accounts that arent mine.

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 2020-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I found a XXXX post for 4 tickets @ {$100.00} each to the XXXX playoff game XXXX XXXX vs XXXX XXXX for XX/XX/XXXX. I texted the contact phone number for the listing and the person said the tickets were still available. He asked if I was familiar with quick pay with XXXX and XXXX. I said I knew XXXX, but not familiar with XXXX. I found out that Wells Fargo had XXXX incorporated into my account, which made me comfortable that I was using a namebrand bank to support this in case something went wrong. So, I transferred {$400.00} via XXXX from my Wells Fargo bank account to his email : XXXX I actually spoke to him and he said his name was XXXX XXXX and that he had tickets for his kids, but wasn't able to go. So, I transferred the money and confirmed he received the money via text. 

He then asked for my email address to transfer the tickets. He said they would come momentarily, but they never came and no further response my repeated calls and texts. 

I called Wells Fargo IMMEDIATELY to stop the transfer and report the fraud. They said they would get the process started, however I just received a letter from them that they had done an investigation and discovered that their transfer was not in error. I hadn't asked them to investigate that, but rather informed the agent that I was scammed and needed the transfer to be reversed IMMEDIATELY, but they said they would have to complete an investigation first. On XX/XX/XXXX, I received a letter stating that the investigation was complete and they would continue to investigate. When I called the Wells Fargo Help Number the kind women stated that they investigated the transaction to determine if Wells Fargo or XXXX had made a mistake. I stated that I was submitting fraud or theft and they said I should contact my local police department as XXXX didn't have that function. What!!!??? a namebrand bank doesn't protect users from Fraud or  Theft? Needless to say, I am upset. I submitted a case to XXXX as well and want to file a complaint to CFPB as this type of Fraud seems to be increasing at an ALARMING rate and that Wells Fargo should inform its users so that they aren't victimized like I was and many many others. 

Summary : XX/XX/XXXX, XXXX for Football Tickets ( XXXX XXXX vs XXXX   XXXX ) contacted user at @ XXXX Transferred {$400.00} to XXXX Seller on Friday XX/XX/XXXX Upon confirming funds were received, I requested the tickets Seller asked for my email address, which I gave No tickets were transferred to my XXXX account and no response to any of my texts or calls that night

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 2020-01-23 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: NV

Complaint narrative:
There are accounts that arent mine.

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 2020-01-23 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: NV

Complaint narrative:
There are accounts that arent mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I applied American Express XXXX XXXX and Delta Sky miles Platinum Credits card. After I spent enough money in my credit cards in 90 days. They refused to give my rewards. Different CSR said different reasons. But after three month, I didn't get any notification about refusing my welcome bonus. They said that my account declined my bonus on the first week. But I don't know at all. I tried to contact them many times. But no one can give me a real reason. Also, I don't have pop window at all when I applied my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a  complete account history, including any charges added for collection activity.

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