vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Dear Escalation Management Team ; See the attachment. It's impossible that this account was ever trufthfully verified. DELETE please, it's a ghost account. 

Im still extremely concerned about the way this account is still reporting on my credit profile. Its impossible that your agency truthfully verified this account below because as you can see on the screenshot, there are several inconsistencies in the way this account is reporting between Experian and XXXX. Its my understanding that the account needs to report 100 % accurate, 100 % timely, and 100 % verifiable. Not only this account passed the statutory mark of reporting base on the date of last activity, but the inconsistencies between the 2  credit bureau is by far incorrect, and incomplete. As you can see, the DATE OF LAST ACTIVE for Experian is XX/XX/XXXX, but XXXX shows XX/XX/XXXX. There is 4 years apart and also the payment history shows different than the actual DATE OF LAST PAYMENT of XX/XX/XXXX and XX/XX/XXXX. This is incorrect, and its a ghost account. It must be deleted from my credit report as its illegally re-aging my credit. 

Again, I demand that this account from XXXX  XXXX XXXX XXXX  be deleted from my credit report immediately and I want a new credit report sending to me reflecting the deletion. THANK YOU!

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 2020-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Dear Escalation Management Team ; See the attachment. It's impossible that this account was ever trufthfully verified. DELETE please, it's a ghost account. 

Im still extremely concerned about the way this account is still reporting on my credit profile. Its impossible that your agency truthfully verified this account below because as you can see on the screenshot, there are several inconsistencies in the way this account is reporting between XXXX  and Equifax. Its my understanding that the account needs to report 100 % accurate, 100 % timely, and 100 % verifiable. Not only this account passed the statutory mark of reporting base on the date of last activity, but the inconsistencies between the 2 credit bureau is by far incorrect, and incomplete. As you can see, the DATE OF LAST ACTIVE for XXXX  is XX/XX/XXXX, but Equifax shows XX/XX/XXXX. There is 4 years apart and also the payment history shows different than the actual DATE OF LAST PAYMENT of XX/XX/XXXX and XX/XX/XXXX. This is incorrect, and its a ghost account. It must be deleted from my credit report as its illegally re-aging my credit. 

Again, I demand that this account from XXXX XXXX XXXX XXXX be deleted from my credit report immediately and I want a new credit report sending to me reflecting the deletion. THANK YOU!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
On my credit report show i have closed accounts in collections for student loans which i reported as fraudulent i explain that i notice this on my credit few months ago at the moment when i had knowledge about this i was not in a good state of mind i was going thru some hard difficulties so when i became better i thought that since i didnt report it when i knew about this that i Had to pay so i got of hold of a representative and i believe i even gave a payment but i only just had given one payment but as i got more information about fraudulent and identity theft it didn't seem fair i had to pay for something that i didnt do i have gone thru every process to adem my mistake for my ignorance i lock my credit reports i have put a fraudulent alert and i also report it i dont have no documents of the information anout this loans i only know what ive had seen on my report ive ask many times to please remove this accounts that is affecting me my life has also ive ask to remove incorrect information from my report but i feel hopless not receving no help ive been living and moving around alot in the past ive lost many personal things of mine but i asure u i never my self have ever apply for no loan or interessted in continuing school i didnt know much about what steps i needed to take true be told im learning my rights and the best of my knowlege I have not apply for no loans i have many times dispute and contact all 3 credit berues and send letters to the accounts of the collecters please feel free to contact me if have any questions or if i didnt explain my self right im disable of one hand so its some what dificult when right handed and only have 4 fingers well thank you for youre attention and hope this finally gets resolve and remove because i will take this where ever is nessery to speak my thruths and be heard that this is not right that i got my identity stolen and my life now that Im just starting try to live. Once again thank you and please remove those accounts. Have a safe blessing day.. 
2016 XXXX XXXX my sister pass away That how much of guarantee assure i did not apply for no loan me and my family have gone thru some difficult critical situations i do apologize for any incorrect spelling or any confussion or if i dont know how to explain my self.

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 2020-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
On my credit report show i have closed accounts in collections for student loans which i reported as fraudulent i explain that i notice this on my credit few months ago at the moment when i had knowledge about this i was not in a good state of mind i was going thru some hard difficulties so when i became better i thought that since i didnt report it when i knew about this that i Had to pay so i got of hold of a representative and i believe i even gave a payment but i only just had given one payment but as i got more information about fraudulent and identity theft it didn't seem fair i had to pay for something that i didnt do i have gone thru every process to adem my mistake for my ignorance i lock my credit reports i have put a fraudulent alert and i also report it i dont have no documents of the information anout this loans i only know what ive had seen on my report ive ask many times to please remove this accounts that is affecting me my life has also ive ask to remove incorrect information from my report but i feel hopless not receving no help ive been living and moving around alot in the past ive lost many personal things of mine but i asure u i never my self have ever apply for no loan or interessted in continuing school i didnt know much about what steps i needed to take true be told im learning my rights and the best of my knowlege I have not apply for no loans i have many times dispute and contact all 3 credit berues and send letters to the accounts of the collecters please feel free to contact me if have any questions or if i didnt explain my self right im XXXX  of one XXXX so its some what dificult when right handed and only have XXXX XXXX  well thank you for youre attention and hope this finally gets resolve and remove because i will take this where ever is nessery to speak my thruths and be heard that this is not right that i got my identity stolen and my life now that Im just starting try to live. Once again thank you and please remove those accounts. Have a safe blessing day.. 
2016 XXXX XXXX my sister pass away That how much of guarantee assure i did not apply for no loan me and my family have gone thru some difficult critical situations i do apologize for any incorrect spelling or any confussion or if i dont know how to explain my self.

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 2020-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
On my credit report show i have closed accounts in collections for student loans which i reported as fraudulent i explain that i notice this on my credit few months ago at the moment when i had knowledge about this i was not in a good state of mind i was going thru some hard difficulties so when i became better i thought that since i didnt report it when i knew about this that i Had to pay so i got of hold of a representative and i believe i even gave a payment but i only just had given one payment but as i got more information about fraudulent and identity theft it didn't seem fair i had to pay for something that i didnt do i have gone thru every process to adem my mistake for my ignorance i lock my credit reports i have put a fraudulent alert and i also report it i dont have no documents of the information anout this loans i only know what ive had seen on my report ive ask many times to please remove this accounts that is affecting me my life has also ive ask to remove incorrect information from my report but i feel hopless not receving no help ive been living and moving around alot in the past ive lost many personal things of mine but i asure u i never my self have ever apply for no loan or interessted in continuing school i didnt know much about what steps i needed to take true be told im learning my rights and the best of my knowlege I have not apply for no loans i have many times dispute and contact all 3 credit berues and send letters to the accounts of the collecters please feel free to contact me if have any questions or if i didnt explain my self right im XXXX  of XXXX hand so its some what dificult when right handed and only have XXXX XXXX  well thank you for youre attention and hope this finally gets resolve and remove because i will take this where ever is nessery to speak my thruths and be heard that this is not right that i got my identity stolen and my life now that Im just starting try to live. Once again thank you and please remove those accounts. Have a safe blessing day.. 
2016 XXXX XXXX my sister pass away That how much of guarantee assure i did not apply for no loan me and my family have gone thru some difficult critical situations i do apologize for any incorrect spelling or any confussion or if i dont know how to explain my self.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: KEYCORP
State: NY

Complaint narrative:
I payed 2 credit card bills using bill pay with the key bank company and both of them were suppose to be there in 2 business days, however they were not received by my credit card company. These bills were for my credit card bill and because these payments did not go through as promised, the payment will be late and has already Impacted my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have repeatedly for years now called, mailed, and electronically sent the Information required to remove these fraudulent items from my Credit report. Ive sent police reports, FTC.gov reports, etc. My calls have been sent overseas, and hung up on repeatedly. This must stop. The should be held accountable

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have a credit card from CAPITAL ONE BANK USA N, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called CAPITAL ONE BANK USA N and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and CAPITAL ONE BANK USA N with no successful resolution. XXXX, XXXX and XXXX reporting me 30 days late in XX/XX/2020. There was an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I was reviewing my credit report and noticed some inaccurate information that I did not authorize. I sent out letters to the company over 30 days ago and still haven't got a response. These accounts are hindering, it is keeping from getting an auto loan or a mortgage. Please verify and remove these items from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was reviewing my credit report and noticed some inaccurate information that I did not authorize. I sent out letters to the company over 30 days ago and still haven't got a response. These accounts are hindering, it is keeping from getting an auto loan or a mortgage. Please verify and remove these items from 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 2020-12-18 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I've submitted a dispute in XXXX to Equifax. 
Certified Mail states they recvd on XX/XX/2020. USPS tracking number. 
I recieved a letter from Equifax dated XX/XX/2020 saying they can't locate my file. STALL TATIC. THEY HAVE ALL MY INFORMATION. They refused to investigate the results on XX/XX/2020 dispute. Instead said the dispute was ReAged to XX/XX/2030. That is Violation of my FCRA rights. And against the law. I asked for 5 managers, no one to transfer to. Asked for corporate. They abandoned the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This letter is a follow up to my original letter dated ( insert date of original letter ) regarding an inaccuracy in your credit reporting. 
Specifically as it relates to credit inquiries that i did not authorize.I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and i am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal.Nov.14,1995 ), you may be liable for your willful non-compliance.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation

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 2020-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. its has been well over 30 days and haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions
State: CO

Complaint narrative:
My husband and I received a debt collector letter on XX/XX/XXXX from a company called Rent Recovery Solutions LLC in the mail claiming I owed {$200.00} to MORNINGSIDE CTS APARTMENTS. The letter was dated XX/XX/XXXX. We called Rent Recovery Solutions asking for more details and was connected with a man named XXXX XXXX. He refused to provide verification of the debt -- neither over the phone nor in writing. He repeatedly put us on hold while double checking with his manager. He was evasive when pressed on details like the address of the creditor or the dates or descriptions of the debt. He said this collection would be put on hold for reinvestigation if we could mail him the following items : 1 ) Affidavit of Identity Theft from IdentityTheft.gov 2 ) A police report 3 ) A blank piece of paper with five of my signatures verified with a notary. 

The last item was extremely suspicious. Why would they need multiple examples of my signatures on a blank sheet of paper? What are they planning to do with this information? We asked him why, he said " For legal, mam '' and then became even more evasive. We said we were going to investigate this further and said goodbye. We are no longer able to reach him for further questions. The receptionist, XXXX XXXX forwards our call, but it now goes straight to voicemail. 

We went on to research MORNINGSIDE CTS APARTMENTS. They appear to be a real business in XXXX, GA -- XXXX Courts XXXX XXXX XXXX XXXX, XXXX, GA XXXX. With a real looking footprint across XXXX XXXX XXXX, XXXX, XXXX, etc. We called the number listed on their website and got in contact with the assistant property manager, XXXX XXXX. We described the situation to him and he helpfully found records in their system of someone applying for, but then unexpectedly cancelling, a rental application for XXXX XXXX XXXX on XX/XX/2020 in my name. He verified that there was no outstanding debt on the account. He also verified that they work with Rent Recovery Solutions for delinquent accounts, but that this fraudulent application in my name wasn't delinquent nor in collections status. If that is true, how and why is Rent Recovery Solutions pursuing a {$200.00} debt? We asked him to call Rent Recovery Solutions to clear up this matter. We're waiting to hear back. 

This is all very alarming & strange. Why is someone stealing my name to apply for residence in XXXX, GA? Why would the apartment complex & debt collector bother to chase someone for just {$200.00}? Why is the debt collector so evasive but then said this would go away if I would provide five notarized signatures on a blank sheet of paper? Could this be related to this season 's federal elections?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: NJ

Complaint narrative:
This is a complaint about Fidelity Credit Card services ' dispute department, and in particular, about interactions with them on XX/XX/2020. I spoke with some people, XXXX and XXXX, who were extremely helpful, and I would like to commend them and encourage Fidelity to put them in charge of this whole area. The problem lies in their Case Processing department, which I am concerned is engaging in deceitful practices. They claim to have contacted me to request additional information, and to have closed disputes when I failed to provide it. But what they actually did was to call me from a number with no caller ID, ( XXXX ) XXXX, and hang up on me when I answered the phone without speaking, and on the basis of this mark their logs as having made an attempt to reach me. The only way I figured out that these calls were coming from Fidelity Case Processing was by spotting the same exchange number in another Fidelity employee 's direct-dial number. My understanding from my conversation with XXXX and XXXX is that the hang-up caller is named XXXX and is a manager in case processing. This behavior is at a minimum unprofessional. I would also like to mention that this number is set up to provide either false or incomplete information when calls are placed to it : it says " the number you have called is the caller ID number for US Bank and XXXX XXXX XXXX ''. This may suggest that Fidelity Disputes Case Processing has adopted a deceptive strategy to contact consumers in a way that allows them to claim to have contacted consumers to seek additional information while concealing the fact that they need information, and then using this to justify closing disputes rather than helping consumers. Obviously I can not say for sure that this is strategic deceptive behavior, but it seems to me that this is the kind of thing a careful regulator with consumers ' interests at heart should be concerned about.

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