vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently purchased a house and i noticed a car loan from XXXX on my credit report without my knowledge. I have never did any business with this company. I am asking that this account be removed from my credit report please.

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 2021-03-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I applied for an auto loan in XX/XX/XXXX, with my credit union. I was told by the credit union that I had a collection on my credit report. I reviewed my credit report with two of the three credit bureaus. I was unable to get an online copy of my credit report from XXXX. I was able to get a copy of my XXXX  and Experian credit reports ; there was a collection from XXXX XXXX XXXX. 

In XX/XX/XXXX, I filed a dispute with both XXXX  and Experian credit bureaus with a copy of the payment. 

In XXXX, I sent XXXX XXXX XXXX a copy of the payment paid to University XXXX XXXX XXXX back in XXXX after they contacted. 

XXXX  removed the collection from my credit report in XX/XX/XXXX. Experian has refused to remove this collection from my credit report. 

I have consistently been disputing this debt with Experian as being paid : XXXX XXXX XXXX University XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX Experian decided that the collection was correct even after receiving proof of my payment. I have also called Experian customer service twice regarding this issue. I was promised a call from a supervisor which I never received. 

I paid the debt I owed the University XXXX XXXX XXXX in full XX/XX/XXXX. Yet, Experian has allowed XXXX XXXX XXXX to put this debt on my credit report as a collection in XX/XX/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 2021-03-31 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
The negative point drop with XXXX and XXXX point swings for no reason its the second time I have noticed it and in a month it will go back up but not the total that was subtracted there credit reporting is out of control Not sure if companys actually look at there numbers but its really unfair

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: SC

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ZWICKER & ASSOCIATES
State: NY

Complaint narrative:
I was getting increased and harassing collection attempt calls from XXXX XXXX about an account I did not recognize. They called my house after XXXX and my relatives house about this debt which is a violation of the FDCPA. I also noticed it on my credit report and I contacted XXXX XXXX ( XXXX ) by letter telling them about their incomplete inaccurate and unfair reporting of this account and that I did not recognize this account on XX/XX/XXXX with no response. On XX/XX/XXXX, and XX/XX/XXXX I wrote them letters for not responding and violating the FCRA and not reporting to the Credit Reporting Agencies XXXX, XXXX, and XXXX  that I disputed this account with no response each time from XXXX regarding this account. I did however receive a letter from a collection company named Zwicker and Associates, XXXX. They claimed they are trying to collect a debt from XXXX and for me to reply if I did not recognize the account. On XX/XX/XXXX I sent a letter to Zwicker and Associates disputing this erroneous account with XXXX and requesting that they produce verification proof according to Federal and State Law in the form of a contract with my signature. On XX/XX/XXXX I then sent another letter to Zwicker and Associates that they did not produce valid proof according to the law and to have no further contact with me about this account and if they did I was going to file a complaint with the CFPB, my State Attorney General 's Office, and the XXXX XXXX XXXX. Since then they sent another package of Statements of this account with my name on it but no contract with my signature. Neither Zwicker and Associates or XXXX produced a contract with my signature on it to verify and prove this account was mine by the standard of Consumer Federal and State Law. I was sent statements by Zwicker and Associates that I did not recognize with my name on it but not contract with my signature that I entered into an agreement for credit with XXXX. I have seen plenty of complaints against both XXXX and Zwicker and Associates for harassment of consumers by breaking the FDCPA and with other people complaining of similar terrible treatment and inaccurate reporting and them breaking the consumer federal and state law of not responding in 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: PA

Complaint narrative:
XXXX XXXX XXXX filed inaccurate dollar amounts as delinquent notices to credit bureaus. I have called numerous times and supplied them with an explanation of events surrounding the claim twice. I supplied XXXX with screen shots from Experian from my credit report. XXXX has responded but their explanations for not being able to resolve the issue or proceed with my request have been : No specific item was requested for investigation, no supporting documentation was received, the direct dispute is substantially the same as previous dispute.

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 2021-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I was getting increased and harassing collection attempt calls from American Express about an account I did not recognize. They called my house after XXXX and my relatives house about this debt which is a violation of the FDCPA. I also noticed it on my credit report and I contacted American Express ( AMEX ) by letter telling them about their incomplete inaccurate and unfair reporting of this account and that I did not recognize this account on XX/XX/XXXX with no response. On XX/XX/XXXX, and XX/XX/XXXX I wrote them letters for not responding and violating the FCRA and not reporting to the Credit Reporting Agencies XXXX, XXXX, and XXXX  that I disputed this account with no response each time from AMEX regarding this account. I did however receive a letter from a collection company named XXXX XXXX XXXX, XXXX. They claimed they are trying to collect a debt from AMEX and for me to reply if I did not recognize the account. On XX/XX/XXXX I sent a letter to XXXX XXXX XXXX disputing this erroneous account with AMEX and requesting that they produce verification proof according to Federal and State Law in the form of a contract with my signature. On XX/XX/XXXX I then sent another letter to XXXX XXXX XXXX that they did not produce valid proof according to the law and to have no further contact with me about this account and if they did I was going to file a complaint with the CFPB, my State Attorney General 's Office, and the XXXX XXXX XXXX. Since then they sent another package of Statements of this account with my name on it but no contract with my signature. Neither XXXX XXXX XXXX or AMEX produced a contract with my signature on it to verify and prove this account was mine by the standard of Consumer Federal and State Law. I was sent statements by XXXX XXXX XXXX that I did not recognize with my name on it but not contract with my signature that I entered into an agreement for credit with AMEX. I have seen plenty of complaints against both AMEX and XXXX XXXX XXXX for harassment of consumers by breaking the FDCPA and with other people complaining of similar terrible treatment and inaccurate reporting and them breaking the consumer federal and state law of not responding in 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I was looking over my credit report and saw that Santander Consumer USA Inc. was listed on my credit report as a repo/ charged off account in the amount of {$18000.00} for a 2009 XXXX I have never owned or applied for a loan on one. I've contacted the credit bureaus and the company and they say the account is mine, and it is not! I've disputed it several times and nothing gets resolved. I don't know what to do!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently check my credit from XXXX and I notice a few fraudulent accounts on my credit report. I don't normal check my credit but I was at shocked when I saw how many accounts that was fraudulently open under my name. I got a few alerts stating that my information was on the dark web. Also, I believe I was affected by the XXXX  breach that happen a few years ago. I contacted the 3 credit bureaus regarding this and I was told to get an FTC 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 2021-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently check my credit from XXXX and I notice a few fraudulent accounts on my credit report. I don't normal check my credit but I was at shocked when I saw how many accounts that was fraudulently open under my name. I got a few alerts stating that my information was on the dark web. Also, I believe I was affected by the Equifax breach that happen a few years ago. I contacted the 3 credit bureaus regarding this and I was told to get an FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: LEXISNEXIS
State: MD

Complaint narrative:
LexisNexis is reporting unverified incorrect erroneous on me after i have asked them to correct the issue and refuses to make the necessary corrections

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: TX

Complaint narrative:
I was looking over my credit report and saw that XXXX XXXX XXXX XXXX was listed on my credit report as a repo/ charged off account in the amount of {$18000.00} for a 2009 XXXX I have never owned or applied for a loan on one. I've contacted the credit bureaus and the company and they say the account is mine, and it is not! I've disputed it several times and nothing gets resolved. I don't know what to do!

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 2021-03-31 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: TX

Complaint narrative:
I was looking over my credit report and saw that XXXX XXXX XXXX XXXX was listed on my credit report as a repo/ charged off account in the amount of {$18000.00} for a XXXX XXXX I have never owned or applied for a loan on one. I've contacted the credit bureaus and the company and they say the account is mine, and it is not! I've disputed it several times and nothing gets resolved. I don't know what to do!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: IL

Complaint narrative:
i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX-XXXX XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : 08 XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: IN

Complaint narrative:
i am the victim of identity theft and i share the same name as my father so his debts are appearing 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 2021-03-31 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: American Credit Acceptance, LLC
State: MN

Complaint narrative:
On XX/XX/XXXX I was involved in a car accident and my vehicle that I was still financing was totaled out. Called the finance company let them know and gave them all the information for my claim. I had full coverage insurance on the vehicle but not GAP insurance. Called the finance company to check and see if they received the check from the insurance claim and they stated they hadn't in XX/XX/XXXX. I spoke to a Supervisor in XX/XX/XXXX stated to call the insurance company and have them trace the check. Checked with the insurance who sent me a letter stating the check had been cashed. Gave the correspondence to the Supervisor who stated that the check was in another account in a different state with their company cause no account number was on the check. Supervisor stated once they found the check they would add the funds to my balance and close the account so we could settle the remaining amount. Called back every month until XX/XX/XXXX and was told by a rep they had received the check back in XX/XX/XXXX. They continued to report the account as past due and sent me emails stating that I was up for repossession of a vehicle I no longer have. I called and asked for a supervisor in XX/XX/XXXX to see why the account hasn't been closed and why they had still been billing me since the vehicle was reported totaled. They stated there was nothing they could do and they were going to continue to bill me instead of calculating my final balance so we could settle. I had a warranty on the vehicle through the finance company as well and they never credited that to the balance as they stated. This has caused my credit to decrease and represents a negative report. I have disputed this with all 3 credit bureaus but nothing has changed. They are stating I owe them over {$10000.00} which is not correct. I will never lease with American Credit Acceptance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently check my credit from XXXX and I notice a few fraudulent accounts on my credit report. I don't normal check my credit but I was at shocked when I saw how many accounts that was fraudulently open under my name. I got a few alerts stating that my information was on the dark web. Also, I believe I was affected by the XXXX breach that happen a few years ago. I contacted the 3 credit bureaus regarding this and I was told to get an FTC 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 2021-03-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I made prior payment arrangement with XXXX and unknowingly to me, Medical Data System has begun reporting debt. I completed the monthly payment arrangement with XXXX on XX/XX/XXXX that I initially started paying in XX/XX/XXXX. In addition, I never received notice of this debt from XXXX XXXX XXXX. The only contact I've had with them was on XX/XX/XXXX and I called them to inquire about removing three prior medical debt collections from my credit report that was paid in XX/XX/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 2021-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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.
State: NC

Complaint narrative:
The company ( XXXX XXXX XXXX XXXX ) reported an account to TRANSUNION without first notifying me and giving me a chance to dispute and resolve the issue. The Fair Credit Reporting Act requires XXXX XXXX to send a notice before reporting negative information to credit reporting agencies. In this case, I was NOT sent a notice therfore, I am requesting TRANSUNION to remove this account 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 2021-03-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2021 around XXXX I got a fraud alert for a global transfer from Citibank that I never made for 2000.00 Right away I responded no and called the fraud dEpt. I went on and checked my account to realized my savings account was wiped clean. A prior transaction was made for 4500.00 around XXXX that I had no idea about so I was a victim of fraud for a total of 6500.00. I immediately called Citibank and told them someone was stealing my money. They closed my account and the following day I went to the branch and had to open a new one. I also filed a police report right away because I want to press charges on whoever stole my funds.I had a claim put in immediately on the XXXX two days later they denied it I was LIVID. I also received in the mail paperwork from Citibank dated XX/XX/XXXX how the global transfers were cancelled due to lack of information so how someone stole my money is beyond me!!! Being Im a consumer of Citibank for 18 YEARS. They put in another claim XX/XX/XXXX. Today is XX/XX/XXXX they are now denying it again. Somehow someone broke into my account and Citibank let them get away with ALL my money.I am beyond disgusted with them I called infuriated and all they said was they will make another claim a THIRD claim. Its been 16 days and I still do not have my funds. Im a single mother that works two jobs just to get by. ALL my money was in that savings account. Please help me get my money back I am a victim and I dont know who else to go too.

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 monetary relief
Consumer complaint received 2021-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: AL

Complaint narrative:
The credit XXXX are reporting my personal information wrong ( name & addresses ), which is causing me to have a negative credit score. 
This is not my account.

Company response to consumer: Closed with explanation