vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-08 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: NY

Complaint narrative:
The accounts listed above do not reflect any correct transactions done by me.

My

Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was
successful in creating some accounts.I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the
allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions.

I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained.I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance.
FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW.

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 2020-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian is refusing to unfreeze my credit report. I tried online, it didn't work. I have called 6 times, been hung up on 6 times. Then I finally called the corporate line, got transferred to a person, she said her computer froze and then " transferred '' me but actually hung up on me. I called back again and was told that I failed the questions ( the ones that I didn't answer because her computer froze ). Then was told that there was no way to unfreeze my credit report. This is absolutely unacceptable.

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 2020-10-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
We have our mortgage and HELOC valued at {$100000.00} with XXXX XXXX XXXX, of which about {$16000.00} is owed. We recently arranged a bill payment from another bank ( XXXX ) using the HELOC account number printed on our statement. However, the payment was not credited to the loan value, and was reported to the three credit agencies as 30-days past due. 

We have requested that XXXX remove these entries. To do so, they instructed that we file disputes with the credit agencies - which we did. However, XXXX affirmed the 30-day past due status. They take no responsibility for providing the account number on the statement, which we used but the payment was not properly credited. Consequently, our credit record incorrectly reflects this error. We have requested that this entry be completely removed.

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 2020-10-08 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: DC

Complaint narrative:
We have our mortgage and HELOC valued at {$100000.00} with XXXX XXXX XXXX, of which about {$16000.00} is owed. We recently arranged a bill payment from another bank ( XXXX ) using the HELOC account number printed on our statement. However, the payment was not credited to the loan value, and was reported to the three credit agencies as 30-days past due. 

We have requested that XXXX remove these entries. To do so, they instructed that we file disputes with the credit agencies - which we did. However, XXXX affirmed the 30-day past due status. They take no responsibility for providing the account number on the statement, which we used but the payment was not properly credited. Consequently, our credit record incorrectly reflects this error. We have requested that this entry be completely removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 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: DC

Complaint narrative:
We have our mortgage and HELOC valued at {$100000.00} with XXXX XXXX XXXX, of which about {$16000.00} is owed. We recently arranged a bill payment from another bank ( XXXX XXXX using the HELOC account number printed on our statement. However, the payment was not credited to the loan value, and was reported to the three credit  agencies as 30-days past due. 

We have requested that XXXX remove these entries. To do so, they instructed that we file disputes with the credit agencies - which we did. However, XXXX affirmed the 30-day past due status. They take no responsibility for providing the account number on the statement, which we used but the payment was not properly credited. Consequently, our credit record incorrectly reflects this error. We have requested that this entry be completely removed.

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 2020-10-08 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: Southwest Credit Systems, L.P.
State: OH

Complaint narrative:
I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contract with these companies. I do not recall doing business or applying for these accounts, please see the following : XXXX XXXX # XXXX, SOUTHWEST CREDIT SYSTEMS # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate ad unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate the items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2020-10-08 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/2020 I sent a letter regarding inaccurate ad unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate the items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts 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 2020-10-08 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: NJ

Complaint narrative:
Transunion, XX/XX/XXXXand XX/XX/XXXXhas been reporting inquiries on my credit reports that I did not authorize. 
On XX/XX/2020 I applied for financing at XXXX 's XXXX in XXXX, NJ. I urged their sales team to only apply for financing at XXXX XXXX, I found out later it was more than three banks. Here are the ones not authorized : XXXX  - XXXX XXXX XXXX - XXXX. XXXX XXXX 's XXXX - XXXX XXXX XXXX  - XXXX The other inquiries on my reports I do not recognize and are otherwise fraudulent : XXXX XXXX - XXXX and XX/XX/2020 XXXX/XX/XX/XXXX XXXX  - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XX/XX/2020 AND XX/XX/2020 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 2020-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/2020, I was shopping in XXXX XXXX. While I was shopping and looking at different products, I lost my wallet and car keys. I was in the store for over 3 hours looking at different products and designs. When I was about to leave, I noticed my keys and wallet were missing and I went to the front desk to see if anyone turned it in. Thankfully someone did turn in everything and I thought everything was good. A few days later, I noticed a charge on my debit card for {$840.00} that I didn't make. I can only assume someone made the purchase with my debit card while it was missing during that time frame. I disputed the charge with my bank ( TD Bank ) a few days after I noticed it, which was less than 10 days after the charge. 

Once they completed their so-called investigation, I was informed that an error did not occur and the dispute was invalid. The representative on the phone, told me that I can not speak to the dispute department and was only able to read me notes from the dispute department. The notes stated there was no other disputed charges after that the {$840.00} dispute and that I used the same card after that day for purchases that I made. I informed the rep on the phone that yes, I did use the card after because my wallet was returned to me with my card inside and I didn't know at the time, that someone has used my card while it was lost. The representative understood and then submitted a second dispute. The second dispute came back and stated the exact same findings as the first dispute. I told the representative on the phone, they need to do a better investigation other than just saying, that I used the card after the disputed charge and therefore the dispute is invalid. I informed the representative they need to contact XXXX XXXX for further investigation, and she told me the bank does not do that and I would need to do a police report for that and fax it in. The representative then filed a third dispute and would attach the police report to that dispute I filed the police report on XX/XX/2020 and fax the report to the bank as instructed to do. On XX/XX/2020, I noticed the bank had took away the temporary credit for the dispute once again. I called the bank the same day and spoke to a Supervisor, who told me there is nothing they can do about it and I need to maybe contact XXXX XXXX to see if they have video footage. I have been dealing with this for over four months now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-08 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: GA

Complaint narrative:
All three credit reporting agencies, Experian, XXXX  and XXXX  are reporting that my XXXX XXXX XXXX account has been closed? I did not close this account. This caused a drop in my credit scores. XXXX XXXX  reported that the account was paid off ( meaning balance on account was paid off ) ; however, the credit bureau 's are treating this information as a closure of the account. Please have them verify that this account is still open and in good standing.

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 2020-10-08 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: LA

Complaint narrative:
i sent a letter to transunion on XX/XX/2020 because of them not marking XXXX XXXX XXXX  item as disputed within 30 days, ITS A VIOLATION AND NEED TO BE DELETED BEFORE I CONSULT A ATTORNEY.

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 2020-10-08 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: DISCOVER BANK
State: VA

Complaint narrative:
Earlier in 2020, my friend opened an account with a gym. At that that gym ( XXXX XXXX XXXX XXXX required that he have a credit card on his account. He did not have his credit card with him so I authorized to place my card on his account. I was assured that after he called in with his credit card info, my card would be removed. 

In XXXX I was charged for his account. As soon as I noticed the charge, I messaged them to remove my credit card info. They assured me that they would handle the matter. 

Then the presence of covid required quarantine and gyms closed for a few months. When they opened in XXXX, XXXX XXXX XXXX charged my card 4 times for a total of {$350.00}. I was very angry and immediately messaged and emailed them demanding that they reverse the charges. 

Their response to me ( attached as proof ) was that : 1 ) They would not remove my card until they had another card to replace it.

2 ) They claimed to have only charged my card three times totaling {$250.00}.

The only thing that I felt I gained from the interaction was the fact that they admitted via email that the account I was being charged for was not mine.

Still frustrated, I contacted my bank ( Discover Bank ) to dispute the charge. They took my info and gave me a provisional credit. 

But fast forward to today and they reversed that credit siding with XXXX XXXX XXXX. They even reversed the forth charge that XXXX never admitted to having!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: NY

Complaint narrative:
XX/XX/2017 numer account # XXXX This account was his balance of {$2400.00} that transaction was fraudulent ... I made a police report ; I sent the report to the discover card, I have disputed this balance with the end that we reach an agreement which I have been appealing for now, this refusal is still debt in my credit report. I did all the necessary process but it turns out that there will be an investment and then they tell me that I am obliged to pay this amount of debt ... please I need you to make an investment since I can not pay a balance of XXXX dollars that was consumed through fraud ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC
State: NJ

Complaint narrative:
On XX/XX/2020 my bank account was charged for 2 amounts labelled XXXX XXXX. First was for {$120.00} processing fee, second was for {$2500.00} XXXX XXXX County with Funds. Spent 2 days trying to find out from my bank what this was and contacted township tax collector, since I thought it might be the tax portion of my mortgage payment. Finally found out it was a collection put through by the court by Officer XXXX XXXXAttached is the reply I received from him. 
Mr XXXX The docket you listed below is for a judgement that was filed by attorney, XXXX XXXX  XXXX. on behalf of plaintiff Cavalry SPV. XXXX XXXX XXXX   phone number is XXXX. You may contact them for more information regarding this matter. 

Thank you Officer XXXX I have had communications in the past disputing the charges on this account which was originally held by XXXX. I do not have any records saying that this was going to the courts for a judgement or that I could dispute it. The amount charged was not what I had with XXXX, and considering the fact that after this debt was purchased for probably a few cents on the dollar, These parties made an exhorbitant profit after XXXX wrote it off as bad debt. Also XXXX never made an effort to work me me to straighten it out. 
Would appreciate any help you can render. 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 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: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
XXXX/midland funding XXXX XXXX XXXX letter The company did not respond in the 30 days with verification, still has not removed accused debt from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 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: TX

Complaint narrative:
In XXXX and XXXX of XXXX, I experienced technical difficulties with XXXX XXXX processing my credit card payments for my accounts through the app. For some reason the system would not take payments but after attempting to process the payments more than 3x, the system was reflecting that a payment was not due. I had to pay the late charges but I was advised back in XXXX of XXXX that the payments would not be reflected to the credit bureaus as late. Once I received notification that the late payments had indeed posted, I immediately sent notice to XXXX XXXX to have these erroneous late payments removed. I never received any correspondence back from 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 2020-10-08 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: TX

Complaint narrative:
In XXXX and XXXX of XXXX, I experienced technical difficulties with XXXX XXXX processing my credit card payments for my accounts through the app. For some reason the system would not take payments but after attempting to process the payments more than 3x, the system was reflecting that a payment was not due. I had to pay the late charges but I was advised back in XXXX of XXXX that the payments would not be reflected to the credit bureaus as late. Once I received notification that the late payments had indeed posted, I immediately sent notice to XXXX XXXX to have these erroneous late payments removed. I never received any correspondence back from XXXX XXXX.

Company response to consumer: Closed with explanation