vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-04 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: NC

Complaint narrative:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX For XXXX/XXXX/Experian & Attorney General/Consumer Finance/XXXX.

RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B These fraudulent accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of unauthorized transactions. All of the affected accounts are listed below. 
In your response you state : The information you disputed has been verified as accurate. You must provide documentation as of its accuracy or remove it immediately without prejudice. 
XXXX XXXX XXXX ACCT : unknown AMT : {$380.00} XXXX XXXX XXXX ACCT : unknown AMT : {$440.00} XXXX XXXX  ACCT : unknown AMT : {$240.00} XXXX XXXX ACCT : unknown AMT : {$280.00} XXXX XXXX ACCT : unknown AMT : {$220.00} XXXX XXXX  ACCT : unknown AMT : {$96.00} XXXX XXXX ACCT : unknown AMT : {$140.00} XXXX XXXX   ACCT : unknown AMT : {$140.00} XXXX XXXX  ACCT : unknown AMT : {$140.00} XXXX XXXX  ACCT : unknown AMT : {$140.00} XXXX XXXX ACCT : unknown AMT : {$200.00} XXXX XXXX ACCT : unknown AMT : {$270.00} XXXX XXXX  ACCT : unknown AMT : {$250.00} XXXX XXXX ACCT : unknown AMT : {$170.00} I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX, XXXX, and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX, XXXX  and Experian, However, XXXX ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX  and Experian all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XX/XX/2020 XX/XX/2020

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 2020-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/2020, I contacted a seller on XXXX  to purchase sneakers. After communicating with them, I sent {$450.00} to them via XXXX XXXX to purchase a pair of sneakers. After the money was sent, the person confirmed that they received it & stated that shipping takes 2 weeks. They also mentioned that I would be provided with a tracking number but I was not. On XX/XX/2020, I contacted the person asking if the item has been shipped and they did not respond. On XX/XX/2020, I contacted the person again & they did not respond. I tried to message the person the next day, XX/XX/XXXX, but I learned that they blocked me from contacting them. After waiting to see if my package would turn up, I contacted XXXX  XXXX  to tell them about the problem on XX/XX/2020. They stated To provide you with some context into this, XXXX XXXX is unable to cancel or refund Cash transactions after the funds have been transferred to the recipients account. However, you can request the same amount of money back from the recipient using the XXXX XXXX. I tried to request the money back from the person but it wouldnt allow me to. On XX/XX/2020, I filed a claim with my bank ( Bank of America ) about the situation. They claim eventually closed and I was not paid. On XX/XX/XXXX, I filed another claim about the situation with proof that I have been scammed on standby. Again, my claim was closed and I was not paid due to XXXX XXXX being only responsible for sending money. On XX/XX/2020, I contacted XXXX  XXXX  again. They basically explained that they couldnt do anything about the situation & they would return my funds if they could. I have purchased merchandise from this seller before so I dont understand why they would scam me. However, Ive never made a purchase this big with this person. I still havent received my product nor my money back from the seller nor the bank.

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 2020-04-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NV

Complaint narrative:
I received a letter that I am sure is a scam because I don't have a student loan, and I haven't had one since the late XXXX. This came in an envelope that looked just like it would come from the U.S. Dept of Education/Navient, but I'm reasonably certain it must not have because of the aforementioned fact that I don't have any outstanding student loan debt. It claimed that I had taken out two loans in XXXX and one in XXXX and that these are currently unpaid, and it was claiming they've applied a temporary disaster relief forbearance on these nonexistent loans. I am not writing because I'm afraid I owe money but rather, I don't want others to be somehow defrauded by whoever this is. I'm fairly certain it isn't actually Navient. Are you the people I would contact, or would I send a complaint to my local police? I just want to make sure others aren't taken in by this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 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: GA

Complaint narrative:
I have no knowledge of several accounts on my credit reports I've requested validation with no avail they are in violation of the fcra 609 and 611 af this point please assist me with this issue

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 2020-04-04 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 are not my accounts, and I did not authorize these companies to pull my credit. Additionally, my personal information is wrong on my reports.

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 2020-04-04 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: IL

Complaint narrative:
Experian continues to reports inaccurate information on my report after several request to remove and initiate full investigation 1.XXXX {$1000.00} 2.XXXX XXXX  XXXX   XXXX  {$5500.00} 3.XXXX XXXX XXXX XXXX {$26000.00} 4.XXXX XXXX XXXX XXXX {$4900.00} These accounts where all open fraudulently

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 2020-04-04 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:
These are not my accounts, and I did not authorize these companies to pull my credit. Additionally, my personal information is wrong on my reports.

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 2020-04-04 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 are not my accounts, and I did not authorize these companies to pull my credit. Additionally, my personal information is wrong on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 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: CA

Complaint narrative:
There was a XXXX XXXX account opened with my information on XX/XX/XXXX. I have never been with XXXX and had no knowledge of this account and my information being used. 
Upon discovery of said account through Experian on XX/XX/XXXX, I found as much as I could regarding this account ( which wasn't much, may I add ) and finally on XX/XX/XXXX I made a dispute to remove the collection from my credit with the claim that this was not my account. 
When the dispute was finalized, the only thing that changed was {$1.00} to what I owe ( from {$690.00} to {$690.00} ). I called XXXX to retrieve the account but because I did not have accurate information related to the account, I couldn't go any further. I explained to the rep that for whatever reason, my info was somehow used and now *I* owe and can not remove this debt from my credit score. 
This caused a deep frustration but I decided to ignore it. However, my credit score continued to decrease due to no payments being made to the collectors with XXXX. I made a second dispute on XX/XX/XXXX repeating that this was not my account, using a screenshot of payments I'd made to my actual wireless provider at the time the XXXX account was opened. The dispute results returned the same as before, " ther information was found accurate ; however, information unrelated to your dispute has been updated. '' No changes were made. 
As of XX/XX/XXXX, the account is now on a charge-off. I still owe but if I pay it may further negatively impact my score. XXXX can not assist me since I have no proof account is mine ( because it is not ) and Experian can not remove the information from my credit score. This account is fraudulent and there's nothing I can do to prove it. So, until this is settled, my score continues to decline. I refuse to pay for something I had nothing to do with.

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 2020-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
Convergent outsourcimg, XXXX XXXX   XXXX open in 2016 XXXX XXXX XXXX at. XXXX WA XXXX Account XXXX Child support account that is closed still account Inaccurate verification of my identity on credit bureau the questions that they have does not match anything that I have going on there for it will not let me prove my identity to be able to log into my accounts with all three credit reports

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 2020-04-05 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: LEXISNEXIS
State: NH

Complaint narrative:
I have disputed the BANKRUPTCY account # XXXX with XXXX  on XXXX, XX/XX/2020 and XX/XX/2020 and asked for a description of reasonable procedures used to verify this alleged account. XXXX  continues to respond that the account is verified and the information is certified by LEXISNEXIS RISK  XXXX XXXX XXXX. 

The account numbers reported through XXXX  as XXXX do NOT match the account number being reported on LEXISNEXIS BANKO REPORT case # XXXX which reports a BANKRUPTCY CASE NUMBER as XXXX. 

This alleged Bankruptcy account was also disputed to LEXISNEXIS CONSUMER CENTER on XX/XX/2020 and XX/XX/XXXX ( as instructed by XXXX  on their responses and dispute results ) and a request for reasonable procedures for verification of this alleged account. LEXISNEXIS continues to report this alleged Bankruptcy and they have FAILED to provide me with their reasonable procedures though they have been requested on the above-listed occasions and also today XX/XX/2020. 

As a simple consumer, I can not quite understand how one consumer reporting agency, in this case, XXXX, can simply get the account verified by another consumer reporting agency, in this case, LEXISNEXIS, without any actual proof. 

I know for sure that LEXISNEXIS failure to provide reasonable procedures used to verify this alleged Bankruptcy account is a violation of the Fair Credit Reporting Act. 

I also know for sure that the account number ( file number ) that XXXX  is reporting is false and is also a violation of the FCRA. 

I sent a letter to the US BANKRUPTCY COURT in XXXX, NH on XX/XX/2020 and they have provided me with confirmation that they do NOT supply information to credit reporting agencies, letter postmarked on XX/XX/2020. 

There are several violations of the FCRA in this case and anything but permanent deletion from my credit profiles would be a violation of my civil rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 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: GA

Complaint narrative:
I have no knowledge of several accounts on my credit reports I've requested validation with no avail they are in violation of the fcra 609 and 611 af this point please assist me with this issue

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 2020-04-04 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: GA

Complaint narrative:
I have no knowledge of several accounts on my credit reports I've requested validation with no avail they are in violation of the fcra 609 and 611 af this point please assist me with this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 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: IL

Complaint narrative:
Experian continues to reports inaccurate information on my report after several request to remove and initiate full investigation 1.XXXX {$1000.00} 2.XXXX XXXX  XXXX   XXXX  {$5500.00} 3.XXXX XXXX XXXX  XXXX {$26000.00} 4.XXXX XXXX  XXXX   XXXX {$4900.00} These accounts where all open fraudulently

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 2020-04-04 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: VA

Complaint narrative:
Since XX/XX/XXXX XXXX XXXX XXXX  ( Mortgage owned by XXXX XXXX XXXX ) stopped reporting the status of my payments, which were made on time. By failing to report the status of my recent payments, it lowers my credit score preventing me from re-financing. I have filed complaints with both XXXX, and then the credit bureaus. Transunion closed the complaint without changing the status of payments since XX/XX/XXXX. The payments should be reported as on time, since XXXX failed to report the status to Transunion. In XX/XX/XXXX, XXXX  XXXX XXXX stopped using XXXX XXXX  XXXX   to manage mortgages, and it is now with XXXX XXXX. I would like Transunion to change the status of the payments from XX/XX/XXXX to XX/XX/XXXX as on time or current instead of " not reported ''.

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 2020-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Remitly, Inc.
State: TX

Complaint narrative:
Hi, Sub : Fraud and unAuthorized transaction from Remitly Service I am usng Remitly service for money transfer for the past 3 years Recently on XX/XX/2020 XXXX Friday ) a new receipt was added and fraud transaction was initiated in my account with out any notification and alert message from Remitly. 
It seems internal person of Remitly has done this because no notification came to my email and I got email from Remitly when transaction was about to complete It clearly shows someone from remitly backend team did this by stopping alert to me.

Steps I followed : Trying to contact Remitly for this fraud transaction but due to corona virus issue ( their response is only thru chat n will take 1 hour to reach them ) I was able to connect with their customer support for fraud transaction. 

Remitly customer support said that to file dispute transaction with bank ( which I did ) from myside and they will investigate and come back to me or try for reversal of amount. 

Now after continue contacting them for update, I am getting no response from them and they have blocked me from chat and customer support with no explanation Note : I don't recognize new receipt added and bank details to which my amount was send. 
Eventhough Remitly knows its their fault and don't want to refund my amount ( 2900 $ ) Thanks & Regards, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I have had a series of inquiries and false additions to my credit report. Companies such as XXXX  ( now showing as XXXX XXXX XXXX ), XXXX ( now showing as XXXX XXXX XXXX ), XXXX XXXX XXXX, and XXXX XXXX XXXX are showing as recent collections. I notfied Transunion that there is an error as XXXX XXXX was removed from XXXX, and XXXX I believe it was fraud but have no proof I have been asking them to send me a bill which they never do Transunion is the only agency refusing to remove it. XXXX is only reported as a collection account on Transunion they are now going as XXXX XXXX and will not provide a bill of the paid or owed account. Furthermore Transunion has been allowing XXXX XXXX XXXX to aceess my account I called XXXX and since I have no account with them they can not stop it, I also called Transunion who also says I have no account allowing for that. However when you pull my report my credit is actually pulled up to 5 times per month fraudulently by them with no account I can access. I also believe this is why all of the fraud is happening on my credit and why Transunion reporting is so much different from XXXX  and XXXX  as much a XXXX points on my credit last month.

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 2020-04-04 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 are not my accounts. Please remove them 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 2020-04-04 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:
These are not my accounts. Please remove them 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 2020-04-04 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 are not my accounts. Please remove them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 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: NY

Complaint narrative:
Ive sent in a dispute letter in XXXX, i havent been notified of the results via mail within 30days. Experian keeps giving me generic responses to my consumer rights. Ive stated the account and account numbers in dispute. They failed to accurately report information on my 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