vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-10 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: FL

Complaint narrative:
Transunion is reporting incorrectly an account where I am shown as an Authorized User on XXXX  - partial account numbers XXXX ; XXXX ; and XXXX. ( Please see pages attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on these accounts. XXXX  and XXXX  are reporting correctly. This incorrect reporting of me as an authorized user is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureau to fix this issue however, I have not been successful.

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 2020-03-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX  # XXXX is reporting an account to my credit with a balance that should not be on there. This has been paid off for some time and is still reporting a balance and I need this removed off of my credit.

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 2020-03-10 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: OH

Complaint narrative:
I sent out numerous affidavits of dispute to XXXX  and Experian since XX/XX/XXXX. My most recent affidavit was sent out certified mail with return receipts XX/XX/XXXX. Both companies received my disputes on dates XX/XX/XXXX and XX/XX/XXXX. In my dispute letters, I asked for their validity and verification of an alleged bankruptcy on my credit report. Experian failed to provide such verification documents bearing my signature or methods to validate the account. XXXX  failed to respond all together to my request, which is a violation of FCRA Sec 611 ( a ) ( 1 ). Within my affidavit of dispute, I enclosed documents from the court that is listed on my report, stating they do not report information to the credit bureaus. I also enclosed information from XXXX stating they do not have any bankruptcy record on file for me so Experian is reporting inaccurate information stating they retained such information from XXXX. I also enclosed information of my XXXX  report showing there is no public record on file for me. So with all the supported document I have filed, I request that the derogatory account be deleted from my XXXX  and Experian 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 2020-03-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Capital One # XXXX is reporting an account to my credit with a balance that should not be on there. This has been paid off for some time and is still reporting a balance and I need this removed off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX  XXXX # XXXX is reporting an account to my credit with a balance that should not be on there. This has been paid off for some time and is still reporting a balance and I need this removed off of my credit.

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 2020-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
XXXX  XXXX # XXXX is reporting an account to my credit with a balance that should not be on there. This has been paid off for some time and is still reporting a balance and I need this removed off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: UT

Complaint narrative:
XXXX  XXXX # XXXX is reporting an account to my credit with a balance that should not be on there. This has been paid off for some time and is still reporting a balance and I need this removed off of my credit.

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 2020-03-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
On XX/XX/XXXX, I paid off the account in full to the original creditor. During this phone call, the original creditor informed me that they will close the account with the debt collection agency. 

On XX/XX/XXXX, I called the original creditor regarding the account closure because I will still seeing the debt on my credit report. During this phone call, they said they had emailed the supervisor of the collection agency on XX/XX/XXXX to close the account and that the collection account will be closed soon. 

On XX/XX/XXXX, I called the supervisor of the collection agency who informed me that he never received any communication from the original creditor regarding the closure of this account. He informed me that he needed a formal confirmation from the original creditor in order to close the account. I placed the supervisor of the collection agency on a 3-way phone call with the original creditor and myself. During this phone call, the supervisor told the original creditor that no communication has been received from the original creditor regarding this account while the original creditor claims she has submitted it. The supervisor of the collection agency explained the process by which the original creditor must take to close the account and both agreed to take the necessary measures to move forward in the closure of the account. 

On XX/XX/XXXX, I called the supervisor of the collection agency who informed me that he never received any communication from the original creditor regarding the closure of this account even after the phone call on XX/XX/XXXX. 

On XX/XX/XXXX, I called the original creditor and asked to be directed to the woman who handles account closure but got her voicemail twice. On the same day, I spoke to another representative of the original creditor who told me the account has been closed as the debt has been paid off. She further suggested that I just needed to call the collection agency and tell them that the debt has been paid off to close my account. I reminded her that I had done so and kept getting nowhere as the communication for closure needed to occur directly between the original creditor and the collection agency. 

Please help me resolve this situation. I paid off my medical debt and just want this off my credit report. I'm not sure how to resolve this situation where the debt has been paid off, but the collection agency refuses to remove the account until the original creditor close it, while the original creditor claims they already closed it.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I made a purchase online ( website : XXXX  ) for a jacket on XX/XX/XXXX, the amount of order is {$280.00}. 
I received a XXXX tracking number from this website, the order was supposed to ship from XXXX. I waited for a few weeks, but no tracking information updated at all. Later I went back to the website and saw that it was shut down, that when I realized it's a fraud website. 
I opened a dispute on the credit card charge with Citibank on XX/XX/XXXX, case number XXXX, submitted evidence ( I attached them to this form, too ), Citibank didn't contact me to ask for more information except rejected my dispute one month after the dispute on XX/XX/XXXX, with ZERO explanation provided to my lost. 
I contact Citibank customer service for the reason of losing the dispute, the representative gave me a local phone number of the investigator who's on my case. I tried that number many times and no one answers it. That's when I believe I've exhausted means to resolve this issue directly with Citibank.

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 2020-03-10 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: CA

Complaint narrative:
I need help with this fraud problem i have had. i tried to get this cleared up months ago with paperwork and no work has been done with the bureaus. someone took my identity to open false bank accounts under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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 just recently examined my credit report and I realized there are some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of those accounts and have no idea who would have admittance to my credit. Unfortunately, due to these false accounts, I have no chance of acquiring new credit. Please conduct a reinvestigation into this matter and have these derogatory accounts removed from my credit file.

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 2020-03-10 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: DISCOVER BANK
State: UT

Complaint narrative:
Discover # XXXX is reporting an account to my credit that should not be on there. I was an authorized user for this account but I was removed from it and it should not be reporting to my credit report any longer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, I received an email from my XXXX credit card stating my credit score had recently went down. I pulled my credit XX/XX/XXXX and it shows a person opened an XXXX XXXX account and it is in collections for XXXX $ Collection shows opened XX/XX/XXXX and shows it has been reporting on my credit for 3 months, and I have no idea who this is and was not me. I am in the process of freezing my credit now so this can not happen again. 

Please advise on how to get this off my record. 

Thank you

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-10 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: GA

Complaint narrative:
On XX/XX/XXXX I submitted a written request for a full-file disclosure pursuant to 15 U.S. Code 1681g ( a ) ( 1 ) to Experian. I received a document titled " Your Credit Report '' dated XX/XX/XXXX. 

It contained three names, an address, a year of birth, and the last four digits of a SSN. I disputed the SSN and one of the names as not mine in writing on XX/XX/XXXX. 

On XX/XX/XXXX I received a document titled " Dispute Results '' stating that an updated copy of my credit report was enclosed ( there wasn't one ) and that the disputed name and SSN were not deleted. 

Experian is choosing to keep inaccurate information about me in its files. Isn't this a violation of the law?

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 2020-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: SC

Complaint narrative:
During the time that this recent XXXX XXXX account was established, my wife and I, along with our XXXX children were living in a rental home. We were paying our honest debts on time until I was laid off my job of 15 years. My wife, a XXXX XXXX Veteran, worked but it was still not enough to keep us from hitting hard times. In XX/XX/XXXX, we moved in with relatives to pay off bills we had fallen behind on and to save in preparation purchasing our own home. During the move, I had the power turned off in XX/XX/XXXX but in the midst of life, I forgot there was going to be a remaining balance. Since returning to the workforce, I have made every effort to pay off my debts and rebuild my credit worthiness in order purchase and close on our home. Then in late XX/XX/XXXX, my lender discovered that I mistakenly had not paid off one of the XXXX XXXX account that was placed in collections with Helvey & Associates , INC. Once I heard this, I made it my priority to pay this debt off as I did to the older debt in XX/XX/XXXX. I spoke with a male customer service representative on XX/XX/XXXX and stated that I needed to pay this debt and have it removed from my credit reports. He then stated that a removal could be negotiated with the full payment. I then explained to him I would be able to pay it on XX/XX/XXXX, he then stated that I needed to call back and discuss my credit needs once the payment is received. I did not write his name down ; I should have kept better records regarding this account. 
Nevertheless, I know the payment with XXXX XXXX was my responsibility and I am not attempting to justify this breach of my customer agreement with them ; I am simply asking Helvely & Associates , INC. for a courtesy gesture of grace and goodwill in having the credit bureaus remove the negative trade line associated with account and or the old account from XX/XX/XXXX from my three credit reports. We are still living with relatives and need our own home but this company has been a hindrance in moving forward after they stated they would have remove the debt once paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
I am making payments to different medical bills. They continue to call using bogus names and numbers! The last phone call was from XXXX XXXX, local number but told me they were Phoenix Financial and won't quit calling continuously

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc.
State: OH

Complaint narrative:
On XXXX XXXX, I went to a XXXX dealership to purchase a new car. They ran a credit application threw XXXX XXXX  ; SageStream LLC was the reporting agency. On XX/XX/XXXX I wrote them a letter requesting a copy of my credit report, no responds. I again wrote them a letter on XX/XX/XXXX and this time I included a copy of my driver license and a copy of my SS card per the instructions on their web site and still no response. I have tired using their web site but that is nothing but a joke, you can't even request a copy of your credit report because it does not work. It is obvious they are not working within the law since they are not responding to my letters or providing a copy of my credit report that they say they have.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I responded to an ad on XXXX about someone selling XXXX XXXX miles. The individual provided me with pictures of his XXXX XXXX account, a small portion of his identification card and then called me to walk me through the transfer. He even sent me screen shots of the flights to assure me that we were looking at the same flights and everything. He also " talked '' to his child, and his wife at various points during the conversation, to set me at ease. I sent him the money via XXXX through Chase Bank in two transfers and as soon as the second transfer went through the call disconnected. I immediately called back and the line was no longer in service. I called my bank and they said there wasn't anything they could do and for me to contact local law enforcement. I asked to file a claim and they refused to because they " can not contact the person '' and that it was my fault. The representative also told me that a scam is not fraud. I have pictures of the ad and all the pictures that the individual sent me ( including of his XXXX account! ) to deceive me. They clearly know that banks will do nothing to help the consumer and therefore act with impunity and do not care if you have their information. It is not right that neither XXXX nor Chase take no responsibility or assist the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
XXXX XXXX credit card used On XX/XX/2016 for vehicle fixing with merchant XXXX XXXX {$1400.00} due to vehicle broke down the same day charges were disputed with XXXX. 
On JXX/XX/2016, XXXX transition into XXXX credit card. XXXX went ahead and paid the merchant without reviewing proper documentation from XXXX XXXX. Since than I communicated with XXXX. 
XXXX offered was installment payment plan instead of taking responsibility of their actions. 
In XX/XX/2016 XXXX sold debt to Midland Funding Even though they collected funds {$250.00} up until XX/XX/2016 through my own research I just discover since I was signed up as auto pay via XXXX  XXXX XXXX. They have paid them money which was in dispute. XXXX needs to take off this negative and false charges from my credit report and stop harassing me. 
Midland Funding has been harassing by filing lawsuit against me and showing up at my residences several times a day. 
Can you intervene? 
Thank you for your time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-10 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: UT

Complaint narrative:
XXXX # XXXX is reporting an account to my credit that should not be on there. I was an authorized user for this account but I was removed from it and it should not be reporting to my credit report any longer.

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 2020-03-10 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: UT

Complaint narrative:
XXXX # XXXX is reporting an account to my credit that should not be on there. I was an authorized user for this account but I was removed from it and it should not be reporting to my credit report any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
i have been back and forth with credit bureaus and creditors about false accounts reporting on my credit. it has been getting in the way of many things. i have filed numerous reports with each bureau.

Company response to consumer: Closed with explanation