vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-25 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: MO

Complaint narrative:
Over a year ago I reported the lost of my entire wallet, Inwhich lead to my identity being stolen and my personal information being compromised. I summoned the three ( 3 ) major credit reporting agencies to show just cause the physical proven documentation of these unauthorized fraudulent accounts. What Method Of Verification was used to support the reporting. I asked for the names, dates, time, titles of the person or persons inwhom collected this information. Without filing suit on the credit bureaus, I'm respectfully demanding that the following accounts be blocked and removed immediately from my credit file. 

1 ) XXXX XXXX {$250.00} 2 ) XXXX XXXX XXXX {$1000.00} 3 ) XXXX XXXX XXXX {$730.00} 4 ) XXXX XXXX  5 ) XXXX/XXXX 6 ) XXXX  XXXX XXXX  7 ) XXXX   XXXX XXXX  8 ) XXXX XXXX XXXX 9 ) XXXX XXXX XXXX XXXX 10 ) XXXX XXXX XXXX  11 ) 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 2020-02-25 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: MO

Complaint narrative:
Over a year ago I reported the lost of my entire wallet, Inwhich lead to my identity being stolen and my personal information being compromised. I summoned the three ( 3 ) major credit reporting agencies to show just cause the physical proven documentation of these unauthorized fraudulent accounts. What Method Of Verification was used to support the reporting. I asked for the names, dates, time, titles of the person or persons inwhom collected this information. Without filing suit on the credit bureaus, I'm respectfully demanding that the following accounts be blocked and removed immediately from my credit file. 

1 ) XXXX XXXX {$250.00} 2 ) XXXX XXXX XXXX {$1000.00} 3 ) XXXX XXXX XXXX {$730.00} 4 ) XXXX XXXX  5 ) XXXX/XXXX  6 ) XXXX XXXX XXXX 7 ) XXXX XXXX XXXX 8 ) XXXX XXXX XXXX 9 ) XXXX XXXX XXXX XXXX 10 ) XXXX XXXX XXXX 11 ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 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.

Complaint narrative:
I have started seeing hard inquiries on my credit report which i dont have any knowledge about, moreover, I am not living in united states for more than 5 years, i am living in my home country XXXX. Below I will give the list of inquiries on my credit report please help me to delete them from my report. 

1 ) XXXX-Inquiry from XX/XX/2019 2 ) XXXX XXXX-Inquiry from XX/XX/2019 3 ) XXXX XXXX-Inquiry from XX/XX/2019 2019

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 2020-02-25 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: VA

Complaint narrative:
I'm just coming home from being incarcerated for the past 7yrs only to find out that my identity has been used and destroyed within the credit reporting system. I'm asking that the following accounts be blocked from my credit file immediately. 

1 ) XXXX/XXXX XXXX 2 ) XXXX XXXX XXXX XXXX 3 ) XXXX XXXX XXXX XXXX 4 ) 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 non-monetary relief
Consumer complaint received 2020-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: FL

Complaint narrative:
I have been trying to work with XXXX  for several months regarding two fraudulent accounts, fraudulent addresses, inquiries, and mix of SS numbers. As a victim of the XXXX  security breach and a Victim Of Identity Theft since 2004. I have sent multiple FTC Reports that validates as affidavit and police reports and XXXX  refused multiple times to completely BLOCK the Discover Card Account and XXXX Both Fraudulent according to FCRA 605B completely ignoring compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 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: Nelnet, Inc.
State: FL

Complaint narrative:
I have been trying to work with XXXX  for several months regarding two fraudulent accounts, fraudulent addresses, inquiries, and mix of SS numbers. As a victim of the XXXX  security breach and a Victim Of Identity Theft since 2004. I have sent multiple FTC Reports that validates as affidavit and police reports and XXXX refused multiple times to completely BLOCK the XXXX XXXX  Account and NelNet Both Fraudulent according to FCRA 605B completely ignoring compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 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: VA

Complaint narrative:
I'm just coming home from being XXXX  for the past 7yrs only to find out that my identity has been used and destroyed within the credit reporting system. I'm asking that the following accounts be blocked from my credit file immediately. 

1 ) XXXX/XXXX XXXX 2 ) XXXX XXXX XXXX XXXX 3 ) XXXX  XXXX XXXX  XXXX 4 ) 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 non-monetary relief
Consumer complaint received 2020-02-25 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: VA

Complaint narrative:
I'm just coming home from being XXXX  for the past 7yrs only to find out that my identity has been used and destroyed within the credit reporting system. I'm asking that the following accounts be blocked from my credit file immediately.

1 ) XXXX/XXXX XXXX 2 ) XXXX XXXX XXXX XXXX 3 ) XXXX  XXXX XXXX  XXXX 4 ) XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been trying to work with Experian for several months regarding two fraudulent accounts, fraudulent addresses, inquiries, and mix of SS numbers. As a victim of the XXXX  security breach and a Victim Of Identity Theft since 2004. I have sent multiple FTC Reports that validates as affidavit and police reports and Experian refused multiple times to completely BLOCK the XXXX XXXX  Account and XXXX Both Fraudulent according to FCRA 605B completely ignoring compliance.

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 2020-02-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
My name is XXXX XXXX my XXXX XXXX card number is XXXX XXXX XXXX XXXX and my PC penny account number is XXXX XXXX my care credit account number is XXXX XXXX XXXX XXXX. My complaint is that I send in documents to update my social security number there told me that they received it and it will be updated by the XX/XX/XXXX. Then a week later they put a block on my credit cards never contact me at all. Then when I call them they tell me I have a full out a research paper to verify my social security number. I already did this and it was verified. But they never updated my accounts correctly I send in faxes to update accounts.

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 2020-02-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating. 

Your agency must also provide me with proof that they have my consent to report my medical information in accordance with HIPAA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: VA

Complaint narrative:
In XX/XX/2018 my loan was transferred to Rushmore loan management. I asked for a loan modification before we made any payment to them. They started the process and it took them several months to approve it, while waiting for a decision we were instructed to make several payments to the modification unit on the dates which was specified. When the modification was approved we made our first monthly payment as instructed. Our loan has been reported to all 3 credit bureaus as being late 120 days for those months during the modification and I don't think that's fair to us because it has kept my credit score low and has caused me many denials for credit. We had never missed a payment or being late once the modification was final our payments have always been on time and it reflects that on my credit report. I would welcome any assistance with this matter that you could provide. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 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: TX

Complaint narrative:
XXXX is reporting an account on my credit reports as paid charge-off from 2014 and they are reporting this account as if it was a revolving credit account, as they have been reporting as if I havent been paying a credit card account for 6 years every single month, in spite of this being a CHECKING ACCOUNT from 6 1/2 years ago! This is significantly impacting my credit score, as I literally have perfect credit otherwise, as evidenced by the attached screenshots. I have disputed their reporting more than 3-4 times and I always receive a pre-drafted auto response saying that the loan account is being reported accurately ( once again, this was NOT a loan account - it was a DEPOSIT PRODUCT ).

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 2020-02-25 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: TX

Complaint narrative:
XXXX is reporting an account on my credit reports as paid charge-off from 2014 and they are reporting this account as if it was a revolving credit account, as they have been reporting as if I havent been paying a credit card account for 6 years every single month, in spite of this being a CHECKING ACCOUNT from 6 1/2 years ago! This is significantly impacting my credit score, as I literally have perfect credit otherwise, as evidenced by the attached screenshots. I have disputed their reporting more than 3-4 times and I always receive a pre-drafted auto response saying that the loan account is being reported accurately ( once again, this was NOT a loan account - it was a DEPOSIT PRODUCT ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 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: TX

Complaint narrative:
XXXX is reporting an account on my credit reports as paid charge-off from 2014 and they are reporting this account as if it was a revolving credit account, as they have been reporting as if I havent been paying a credit card account for 6 years every single month, in spite of this being a CHECKING ACCOUNT from 6 1/2 years ago! This is significantly impacting my credit score, as I literally have perfect credit otherwise, as evidenced by the attached screenshots. I have disputed their reporting more than 3-4 times and I always receive a pre-drafted auto response saying that the loan account is being reported accurately ( once again, this was NOT a loan account - it was a DEPOSIT PRODUCT ).

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 2020-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Theres been a security breach at Experian as my account has been compromised and disabled. I received an email stating my account with Experian via creditchecktotal.com had been canceled. Because I know for a fact I did not cancel my account, am filing a complaint because this same thing happened to my family members XXXX, XXXX and XXXX. I went online and tried to sign in with my username is XXXX and it gave me an error message stating to call a toll free number. The number goes to an automated system with no live operator. My account has been compromised and I can not get any help. Im sending this info to XXXX and XXXX XXXX as well as it will total four complaints within one week about the same issue. I even tried to create a new account with username XXXX and the same error occurred after it took my {$1.00}.

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 2020-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BC SERVICES, INC.
State: CO

Complaint narrative:
I feel like BC Services has fraudulently obtained my social security number in order to collect a debt! They have went as far as to contact my employer and began to garnish my wages. I dont even know why they've decided to take such action as they are not even listed down as a collection agency I owe money to on my Credit report. The only 3 agencies I owe money to are XXXX XXXX XXXX  ( hospital bill ( {$140.00} ) ), XXXX XXXX ( 2 hospital bills ( 1 for {$210.00} and another for {$510.00} ) ), and XXXX XXXX XXXX ( apartment lease ( {$1400.00} ) ) .... not BC Services. On top of that, I dont understand why they will take away about {$200.00} from every check if 2 hospital Bill 's were under {$250.00} and the other one is {$500.00}. The XXXX XXXX account has slowly been starting to pay off so there wouldn't be a reason for them to garnish my wages. BC Services failed to ever contact me and took wrongful action without my knowledge.. I thought my employer was shortening me on my hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

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 2020-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Revenue Enterprises, LLC
State: CO

Complaint narrative:
I feel like XXXX XXXX has fraudulently obtained my social security number in order to collect a debt! They have went as far as to contact my employer and began to garnish my wages. I dont even know why they've decided to take such action as they are not even listed down as a collection agency I owe money to on my Credit report. The only 3 agencies I owe money to are XXXX XXXX XXXX  ( hospital bill ( {$140.00} ) ), Revenue Enterprises ( 2 hospital bills ( 1 for {$210.00} and another for {$510.00} ) ), and XXXX XXXX XXXX ( apartment lease ( {$1400.00} ) ) .... not XXXX XXXX. On top of that, I dont understand why they will take away about {$200.00} from every check if 2 hospital Bill 's were under {$250.00} and the other one is  {$500.00}. The XXXX XXXX account has slowly been starting to pay off so there wouldn't be a reason for them to garnish my wages. XXXX XXXX failed to ever contact me and took wrongful action without my knowledge.. I thought my employer was shortening me on my hours.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Office of Michael J. Scott, PC
State: VA

Complaint narrative:
Scott & Associates has levied my bank account for the debt of my children 's Mom. I will pay for her if they will release the funds. My Dad has XXXX XX/XX/XXXX, so this is an emergency. If they do not release, she has already agreed with me to file ch XXXX bankruptcy.XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 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: OK

Complaint narrative:
XXXX XXXX- Based on these alleged facts, the Complaint asserted a single cause of action for violation of California 's Automobile Sales Finance Act. The Complaint also alleged that XXXX XXXX XXXX was liable for XXXX XXXX 's conduct because it was the assignee of the XXXX XXXX Several XXXX XXXX companies violated consumer protection ... would be waived or forgiven if they accepted certain settlement offers Equifax : n XX/XX/2017, Equifax announced a data breach that exposed the personal information of 147 million people. The company has ...

other Major violations : The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies XXXX XXXX XXXX XXXX XXXX inquires : the dealership violated institution or insured credit union under the Federal Deposit Insurance Act [ 12 U.S.C. 1811 et seq. ] ... information from the consumer report will not be used in violation of any applicable Federal or ... 

XXXX  XXXX XXXX XXXX XXXX is fair debt violation XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX ftc violations XXXX XXXX wife was affected also same above ss last 4 is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: MA

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 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: OH

Complaint narrative:
Equifax supplied an answer to a complaint to the CFPB on XX/XX/2020 stating that they removed 2 credit inquiries on my credit report. One for XXXX and one for XXXX XXXX. to today 's date and after several phone calls to Equifax after they said these were removed they continue to post these inquiries that do not belong to me. 

They also continue to report bankruptcy which should be removed as the others have and even XXXX has removed it from their database. 

Also once again they have a suffix at the end of my name and I have no suffix. I have no issues with any other credit reporting agency except equifax. 

DOES ANYONE HOLD THESE INCOMPETENT IDIOTS ACCOUNTABLE FOR XXXX  WITH PEOPLES LIVES????? THEY NEED THE XXXX SUED!!!

Company response to consumer: Closed with explanation