vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-03 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: OH

Complaint narrative:
My FTC Identity Theft Report is attached because I, XXXX XXXX XXXX, was a victim of identity theft. I have given my complete approval to this notification and its implementation. My identity theft affidavit was also mailed to all relevant credit reporting agencies. I have never provided my written consent or endorsed anything, identity theft happens, and I have a right to privacy XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: OH

Complaint narrative:
My FTC Identity Theft Report is attached because I, XXXX XXXX XXXX, was a victim of identity theft. I have given my complete approval to this notification and its implementation. My identity theft affidavit was also mailed to all relevant credit reporting agencies. I have never provided my written consent or endorsed anything, identity theft happens, and I have a right to privacy XXXX XXXX, 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 2021-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I called ICS and informed them this bill was reporting on my credit report, they asked me to verify my Social Security #, They then told me that not the one they show on the account, they ask for my address, and then told me they couldnt discuss the account, then I gave them my date of birth, and then she said Oh Now I can discuss the account with you. I informed her that I never lived at the address they had on file, and the mailing address wasnt mine. The collector tried to get rude and tell me that I still owed the bill, i told her I didnt. I sent them a letter of dispute XXXX and called back XXXX they told me thd anything from XXXX or IC System about this bill ever. This is not my account or bill. ey never received the letter of dispute and I owed the bill, I told her not my bill and I didnt owed, she then told me to fill out an ID fraud account, I then asked her why and how would I fill out a fraud account, when the information they have it not my info except for my date of birth she said then you owe the bill, I called back XXXX they now have my billing address ask them how they get it, the repp got rude and told me to pay the bill. I asked for a manager, who then told me that they had my dispute and I asked him why did they change the address on file to my address on file, they then told me well we will have XXXX verify it,. I demanded he close this out and remove it off my credit and send it to XXXX, He said well I see the account now in dispute. I hung up. I have never ever receive

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 2021-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I called ICS and informed them this bill was reporting on my credit report, they asked me to verify my Social Security #, They then told me that not the one they show on the account, they ask for my address, and then told me they couldnt discuss the account, then I gave them my date of birth, and then she said Oh Now I can discuss the account with you. I informed her that I never lived at the address they had on file, and the mailing address wasnt mine. The collector tried to get rude and tell me that I still owed the bill, i told her I didnt. I sent them a letter of dispute XXXX and called back XXXX they told me thd anything from XXXX or IC System about this bill ever. This is not my account or bill. ey never received the letter of dispute and I owed the bill, I told her not my bill and I didnt owed, she then told me to fill out an ID fraud account, I then asked her why and how would I fill out a fraud account, when the information they have it not my info except for my date of birth she said then you owe the bill, I called back XXXX they now have my billing address ask them how they get it, the repp got rude and told me to pay the bill. I asked for a manager, who then told me that they had my dispute and I asked him why did they change the address on file to my address on file, they then told me well we will have XXXX verify it,. I demanded he close this out and remove it off my credit and send it to XXXX, He said well I see the account now in dispute. I hung up. I have never ever receive. IO sent them another dispute out on 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 2021-11-03 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: FL

Complaint narrative:
All praises to G-d. Hope all is healthy and prosperous during these times. Experian credit report agency ( as known as : experian.com ) has wrong past due payment information on the credit report that bears my name. The report claims that I failed to make a XX/XX/XXXXce loan payment on a government student loan account I am making parents on even though the cares act has froze all such payments until XXXX CE.. I contacted the student loan company and they did verify that no loan payment was due onXX/XX/XXXXce due to the cares act passed by congress in response to covid19 and also that no loan payment on the student loan account bearing my name is due until the end of XXXX CE. Specifically, all loan payments are fully satisfied, including the XX/XX/XXXXce payment, I will not need to make any payment ( s ) until the end of XXXXce. This would of course mean experian.com agency is providing misinformation, if my memory serves me correctly, it would also mean that experian credit agency is in the habit of poor record account keeping because I have complained about this type of misinformation to experian before and had the issue resolved after considerable effort. Also, an account was missing for a few months and not showing up on the credit report that is in my name of which Experian claims to keep accurate records on, this effected the credit score associated with said account. Whether it was a standard process or a mistake I am not sure.

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 2021-11-03 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: FL

Complaint narrative:
When the pandemic started last year (XX/XX/2020) I contacted Capital One to request the deferment of my payments- due to COVID-19 and job-loss. Capital One was very nice and agreed to defer all my payments for 6-months, they also told me that I would not need to make any payments and that they would not report any late payments on my credit reports. Fast forward to today, and Capital One is reporting several late payments on my credit reports. They said that they would not report late payments but, they did, this is not right! I am trying to buy a house and their late payments are stopping me from being able to get a mortgage. Please help me get these late payments removed, per our original agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: CA

Complaint narrative:
PNC Bank has taken over my accounts @ BBVA Bank. In some 2 months since the takeover PNC has failed to provide new checks and debit cards or any materials required to use the new account with them.. Repeated calls to their " customer service '' numbers have resulted in waits on " hold '' in excess of 40 minutes and resulted in no one who has been able to resolve these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: IA

Complaint narrative:
XXXX XXXX is reporting my accounts with them to the credit bureaus twice which is negatively impacting my score, because it is saying that I have been past due on 5 accounts when it's really only 3 accounts, of which 2 are with XXXX. I have 2 accounts with XXXX and on my credit report it is saying I have 4. They originally reported the two accounts under XXXX XXXX XXXX XXXX XXXX In XX/XX/2021 I filed a complaint with the CFPB about the credit bureaus reporting on accounts that had incomplete paperwork. XXXX agreed with me and deleted the XXXX XXXX XXXX my report. Equifax and XXXX said that they couldn't delete the accounts until XXXX told them to, regardless of what documentation I send them. XXXX didn't like that the accounts were deleted, so they re-reported the EXACT SAME ACCOUNTS but under a new name, XXXX XXXX XXXX . They did not delete the accounts under the XXXX XXXX XXXX XXXX and Equifax prior to reporting the same accounts under the XXXX XXXX XXXX name XXXX XXXX now the accounts are listed twice. I have disputed this with Equifax adn XXXX twice, but they keep coming back that XXXX verified the accounts, so they won't delete it. I have no idea how they're verifying I have 4 accounts when I clearly only have 2. I called into XXXX this morning and spoke to 2 customer service agents who both agreed I only have 2 accounts but refused to investigate or help. They said that I had to send in a copy of my credit report to them, highlighting where the duplicate accounts are. When I asked why they can't investigate themselves since it's their mistake, and they're the ones reporting it, the agent just said 'this is customer service 's process '. They have been duplicate reporting since XX/XX/2021 and are refusing to fix it. XXXX has the absolute worst customer service, and I would know because I worked in finance for over 10 years. We would never allow customers to be treated this way. I have no idea how this corrupt company is even allowed to still be open. I just want my credit report fixed, so I can move on from this nightmare that is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: IA

Complaint narrative:
XXXX XXXX is reporting my accounts with them to the credit bureaus twice which is negatively impacting my score, because it is saying that I have been past due on 5 accounts when it's really only 3 accounts, of which 2 are with XXXX. I have 2 accounts with XXXX and on my credit report it is saying I have 4. They originally reported the two accounts under XXXX XXXX XXXX XXXX XXXX In XX/XX/2021 I filed a complaint with the CFPB about the credit bureaus reporting on accounts that had incomplete paperwork. XXXX agreed with me and deleted the XXXX XXXX from my report. XXXX and Experian said that they couldn't delete the accounts until XXXX told them to, regardless of what documentation I send them. XXXX didn't like that the accounts were deleted, so they re-reported the EXACT SAME ACCOUNTS but under a new name, XXXX XXXX Asset . They did not delete the accounts under the XXXX XXXX XXXX Experian and XXXX prior to reporting the same accounts under the XXXX XXXX XXXX name XXXX so now the accounts are listed twice. I have disputed this with XXXX adn Experian twice, but they keep coming back that XXXX verified the accounts, so they won't delete it. I have no idea how they're verifying I have 4 accounts when I clearly only have 2. I called into XXXX this morning and spoke to 2 customer service agents who both agreed I only have 2 accounts but refused to investigate or help. They said that I had to send in a copy of my credit report to them, highlighting where the duplicate accounts are. When I asked why they can't investigate themselves since it's their mistake, and they're the ones reporting it, the agent just said 'this is customer service 's process '. They have been duplicate reporting since XX/XX/2021 and are refusing to fix it. XXXX has the absolute worst customer service, and I would know because I worked in finance for over 10 years. We would never allow customers to be treated this way. I have no idea how this corrupt company is even allowed to still be open. I just want my credit report fixed, so I can move on from this nightmare that is XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX shows my paid off auto loan as still open and in addition to that it fails to show a payment made on XX/XX/2021.

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 2021-11-03 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: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX shows my paid off auto loan as still open and in addition to that it fails to show a payment made on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX shows my paid off auto loan as still open and in addition to that it fails to show a payment made on XX/XX/2021.

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 2021-11-03 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
I have been promptly paying my charges. To date, XX/XX/2021 I have made a total amount of charges for {$530.00}. To date, I have made a total amount of payments in the sum of {$560.00}. This being a secure credit card, for which I deposited {$200.00}. So, I should show an available credit balance of {$230.00}. But my available credit balance shows as {$0.00}.

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 2021-11-03 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: MD

Complaint narrative:
On XX/XX/2021 I sent a letter of dispute concerning a derogator item in their file listed under my social security number specifically, Experian Case No. XXXX, Chapter XXXX Bankruptcy On XX/XX/2021 Experian sent me a response " validating '' the account after an investigation stating that they " may '' have received this information from a third party vendor : XXXX XXXX  along with the information need for me to as them to investigate these results further. 

On XXXX XXXX I filed a dispute with XXXX XXXX concerning the accuracy and compliance of the reporting of bankruptcy. 

On XX/XX/2021 XXXX XXXX  informed me that they deleted that item on account of my dispute and that after investigating the item under dispute they were unable to verify the accuracy of the account under the timeframe outlined by the fair credit reporting act ( FCRA ) On XX/XX/2021 I asked Experian to delete the account on the basis that their third party vendor Lexis Nexus deleted the account as something they could not verify under the FCRA and they, they ( Experian ) should do the same attaching related correspondence. 

On XX/XX/2021 and XX/XX/2021 Experian continues to report this item erroneously, stating they they verified the information. 

This causes me to believe they are not investigating the dispute as outlined by the FCRA or are simply ignoring the FCRA, my dispute letters and the results of the investigation of their 3rd party vender, XXXX XXXX,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: VA

Complaint narrative:
credit bureau and company XXXX XXXX violated hippa law with documents they sent, and did not send verification of debt as requested. Company stated would removed from my credit reports and all bureaus did not follow as said it will. I have reached back out to both the company reporting XXXX XXXX on my credit report and the credit bureaus and no response or resolution of the items deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: MI

Complaint narrative:
XXXX  XXXX is a bank that is reporting on my consumer report with derogatory marks. I am a natural person. I am a consumer. I have proof that I sent XXXX  XXXX a request for debt validation pursuant to 15 USC 1692g. I sent this out on XX/XX/XXXX. It has been over 65 XXXX XXXX never responded or validated the debt. This means this debt is not valid. 

TRANSUNION is reporting this derogatory invalidated account on my consumer report. Pursuant to 15 USC 1681 Credit Bureaus must report with accuracy and fairness. Reporting a debt that was not validated is a violation of my consumer rights. They are reporting inaccurate information.

This is also a violation of my privacy pursuant to 15 USC 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2021-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: SC

Complaint narrative:
Multiple discrepancies with original servicer of account. I have an active current account with the original servicer that is paid as agreed. Some how a equipment discrepancy from a previous address was reported as a collection even with me still having active services. I had to go to the branch and suffer through multiple rude and disrespectful customer service agents. Only to prove the error was internal and should never have been sent collection.

Company response to consumer: Closed with explanation