vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-18 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: Experian Information Solutions Inc.
State: NM

Complaint narrative:
XXXX XXXX, XXXX  and Experian are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

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 2021-05-18 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:
As of XX/XX/2021. XXXX XXXX requested that several inquires be removed from my credit file. The big 3 has failed to remove these unknown inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
As of XX/XX/2021. XXXX XXXX requested that several inquires be removed from my credit file. The big 3 has failed to remove these unknown inquires.

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 2021-05-18 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
for 20 years this company transunion will not give me my credit report or score and I have wrote them over 100 times I have done everything in my power and this company keeps reporting XXXX and false information I have asked them numerous times to many times to count to prove these medical bills are mine and they just ignore me .I am to the point of legal action and everything I goto get my credit report or score they refuse now with the pandemic they showed me the report but will not allow me to dispute the XXXX they have of another medical bill so I have had to write them and call them again after asking for proof they ignore me I have had government health insurance for over 20 years that pays everything so again these are made up false accounts they need to Stop reporting false information I am so tired of these big company 's being able to ruin your life over false information I want you to show me my signature on this account that I gave permission for services? and go by the fair credit reporting act stop reporting false information

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 2021-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy, Burgess & Wolff, Inc.
State: VA

Complaint narrative:
Hi, I was XXXX 's customer from the last 5 years, I upgraded to a new device during the pandemic when all the retails shops were closed, so XXXX mailed me the device, i never got the device it was lost in transaction, told them and they send me the new device, which i returned within the return exchange period, paid the charges for it as well, however every thing was acknowledged by XXXX customer services 7 times, that i never got the first phone, and they got the returned device, they even acknowledged that my last bill will be XXXX dollars, i don't have any proof because they have record of all the conversations, and my access to the account was closed when i closed my account with them, after all that they suddenly send me a bill of XXXX US dollars, which was the cost of 2 devices, i disagreed and made complaint several times from the past 10 months and now they have come down to 1 device, and asking me to pay through collection agency the amount of XXXX US Dollars, which is in sane, i don't owe them any thing except my last bill which is XXXX  dollars, they are putting thing on me and i just cant bare this anymore, they have destroyed my credit history, i have disputed the debt 4 times but every 3 months a different collection agency gets involved, with their charges as well, i dont have any proof since they every thing was online and i don't have access to my account, kindly please help me from this corporate giant, i am very upset and very disturbed from this matter, as i don't owe them the amount they are claiming. 
Regards XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : The following accounts contain innaccurate information. Please investigate and verify the following information. If these accounts can not be verified please delete the derogatory remarks from my credit report, XXXX XXXX Account number XXXX Date opened XX/XX/2019 Please mark each account as being disputed The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

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 2021-05-18 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: CO

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : The following accounts contain innaccurate information. Please investigate and verify the following information. If these accounts can not be verified please delete the derogatory remarks from my credit report, XXXX XXXX Account number XXXX Date opened XX/XX/2019 Please mark each account as being disputed The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experience has this unknown information that I requested removed. 

XXXX XXXX XXXX XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX Il XXXX XXXX. XXXX XXXX XXXX Il 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 non-monetary relief
Consumer complaint received 2021-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aargon Agency, Inc.
State: IL

Complaint narrative:
the first complaint is XXXX This company listed a collection on my credit report without notifying me of the debt. as of XX/XX/XXXX the account is still on my report and I was not given time to dispute the item. I have twice reached out to the company and have yet to get an email back from the manager about the account. they listed in their response that they validated the debt in XXXX of XXXX well at that point when it was done the account was already on my credit report the reason the validated to debt was because when they placed it on my report in XXXX of XXXX the first ( 2 ) letters went to the wrong address so therefore the account went on my credit report because I did not dispute it. I did not know of the account at that time all of their calls are recorded I ask for them to pull the call and they can hear the agent tell me that the letters went to the wrong address and that she would send me a new one so that I could look and see what it was and take care of it but they refused to remove the account that was placed on my file in error

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 2021-05-18 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: Lending Club Corp
State: TX

Complaint narrative:
We were in the process of refinancing our home and current creditor ( XXXX XXXX  ) let us know their was a current loan affecting available refinance rates. Loan was from Lending  Club Bank in the amount of $ XXXX. I do not have any outstanding loans currently and thats how i found out i have an unauthorized loan under my name. I contacted Lending Club Bank and was able to obtain the following information regarding this unauthorized loan. Name for Loan : XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) Amount : {$36000.00} ( they have paid $ XXXX of the loan and the outstanding balance is $ XXXX ). 
Account # : XXXX. {$1100.00} Monthly payment i want to go about all the channels available to us to make sure we report this fraud and have it removed from my account. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: IL

Complaint narrative:
Received a notification XX/XX/21 from the major 3 credit bureaus ( XXXX, XXXX  & XXXX  ) that a debt was owed from collection agency Caine Weiner. There's no contract with this collection agency that shows I owe a debt. Collection agency doesn't have the right to collect if there's no legal binding contract signed by me or any company I represent showing I owe Caine Weiner. This collection agency Caine Weiner also violated Section 623 of Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: LA

Complaint narrative:
This is regarding XXXX, XXXX, XX/XX/2021. I have paid my mortgage payment every month in a timely manner. My monthly payment went up by {$60.00} due to increase in homeowners insurance. When I found out my homeowners insurance went up, I changed companies. I have a copy of all my payments made on time. They're actually paid automatically through a bi-weekly payment program that I have enrolled in to pay my mortgage off early. The mortgage company applied my payments to principal instead of my monthly note and reported me to the credit bureau for being 30 days late. If they had put my payment in unapplied funds like they've done previously, the next payment would have corrected the shortage within the 30 day grace period. My payments were made. If they had not applied the payment towards principal, I wouldn't be in this situation. All I'm asking the company to do is apply the payments made like I have requested, the problem of resolve itself. The supervisor that I spoke with confirmed herself that I have made my payments in a timely manner. The problem is they wanted me to make an additional payment, which I eventually did just until the problem could be fixed on their end. I reported this to Equifax and they closed the case within 24 hours without even looking into the problem. I am attaching a copy of the report from the company that makes my payments automatically for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: CA

Complaint narrative:
Today XX/XX/2021 at Approximately XXXX I called my banking institution US BANK Regarding my XXXX dispute for an authorized debit of {$1100.00} ; which XXXX manager miss XXXX XXXX fraudulently went behind my back to take out, while I have made weekly payments. Instead of my banking institution permanently reversing the action. I was told by manager XXXX that letters were sent out to me for additional information. Information that was already provided upon filing my claim with US Bank. I am so happy that all calls are recorded for quality purposes. 
I was told because I gave XXXX my card number for the transaction amount of {$200.00} as well as other amounts. That they charge my card for an unauthorized amount of {$1100.00} isnt fraudulent. 
I then asked Miss XXXX a supervisor for US Bank, If it is OK to authorize a transaction for one agreed amount, then the merchant takes it upon themselves to authorize a second amount, which was not communicated prior to said in authorize transaction? 
Miss XXXX was preparing to hang the phone up on me, instead of answer my question.

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 2021-05-18 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: KY

Complaint narrative:
After viewing my credit report I found items that I have never applied for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Dear Sir, Last 20 years I'm suffering a lot of problem from Debt collectors ( Midland Credit ) and Credit Bureaus. I have used only One name ( first middle last ) in my hole life but every few years some debt collector and credit Bureaus Add some different name ( someone else which I don't know ), address, phone number to my Credit Reports. Last 15/20 years whenever Credit Bureaus adds Someone's name in my credit report, my credit scores go down and my credit card APR go High. sometimes 29.99 %. when APR is 29.99 % every month my 6/7 credit cards charge me almost {$500.00} every month, sometimes more then {$500.00} every month. I'm a low Income person and If I'm paying {$500.00} Interest every month, how I will get out from my credit cards? Today XX/XX/XXXX XXXX in my credit report have four different names include my name and seven different phone number which is not mine. Last 2/3 years I'm having a lot of financial problem and I'm in Pandemic Unemployment since XX/XX/XXXX till now. I do have four people in my family and I know that, Million Million peoples are Struggling in this pandemic. So, please help me to have only my name in my credit report. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-18 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: PA

Complaint narrative:
After reviewing your letter which I attached from your company, Equifax, stating why you have refused to block the fraudulent information from my credit report I found it very interesting. Your company said in accordance with Section 605B of the FCRA you have determined not to block this fraudulent information subject to the submitted identity theft report and/or police report that I provided. That decision is not up to you, you only have the right to deny or rescind a block if there was a misrepresentation of material fact relevant to the request to block, or I have obtained possession of goods, services, or money as a result of the transaction issue. This request was not made in error. I, XXXX XXXX, did not make this request in error. I also did not receive any goods, services, or money as a result of the transaction issue. I also sent the report which I have made with the Federal Trade Commission with my original letter, which I have attached to this complaint, and that is certainly not a misrepresentation of material fact being that these accounts are in fact fraudulent. So, please explain exactly why this fraudulent information has not been blocked from my credit report? The reason that you have listed does not apply so I can only believe that your company is purposely reporting this fraudulent information to my credit report which is an act of constructive fraud. So pursuant to 15 USC 1681c-2 and the fact that your company has clearly lied, your company, Equifax now has 4 business days after receiving this complaint to block and remove these fraudulent accounts. Please review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is a request for deletion of a disputed item. I have attempted to have this alleged debt verified by the alleged creditor and collection agency to no avail. I am respectfully requesting the collection agency do what is legally mandated by the FCRA and FDCPA, and delete the following account listing in Identity Theft I previously sent a demand for validation from me and they have failed to provide any proof or respond in any way. I sent a second letter. Again, I have received no response. I sent yet another letter. Again, I received no response. The FDCPA states that collection activity must cease until they have produced verification of the alleged debt if so requested. 

As per the FTC, this includes reporting to the credit bureaus, which they obviously have done illegally. It is quite evident that no such proof of this alleged debt exists or they would have provided it in the previous months since it was requested. Also, when an alleged debt is disputed, a notation must be entered on the debtors report showing the item as in dispute. Again, this was not done. Another violation of the FDCPA. 

As per the FCRA, if no proof of debt exists, it may not be reported to the credit reporting bureaus. The FCRA also states that the credit reporting agencies must accept written proof from the debtor. Therefore, I am not asking for an investigation to be done. I am requesting that the entry be deleted in its entirety since there is no proof of its existence.

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 2021-05-18 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: FL

Complaint narrative:
This is a request for deletion of a disputed item. I have attempted to have this alleged debt verified by the alleged creditor and collection agency to no avail. I am respectfully requesting the collection agency do what is legally mandated by the FCRA and FDCPA, and delete the following account listing in Identity Theft I previously sent a demand for validation from me and they have failed to provide any proof or respond in any way. I sent a second letter. Again, I have received no response. I sent yet another letter. Again, I received no response. The FDCPA states that collection activity must cease until they have produced verification of the alleged debt if so requested. 

As per the FTC, this includes reporting to the credit bureaus, which they obviously have done illegally. It is quite evident that no such proof of this alleged debt exists or they would have provided it in the previous months since it was requested. Also, when an alleged debt is disputed, a notation must be entered on the debtors report showing the item as in dispute. Again, this was not done. Another violation of the FDCPA. 
As per the FCRA, if no proof of debt exists, it may not be reported to the credit reporting bureaus. The FCRA also states that the credit reporting agencies must accept written proof from the debtor. Therefore, I am not asking for an investigation to be done. I am requesting that the entry be deleted in its entirety since there is no proof of its existence.

Company response to consumer: Closed with explanation