vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-14 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: CT

Complaint narrative:
Equifax ; XXXX  and XXXX  should not be reporting that I am ( 90 ) days late on the XXXX XXXX XXXX partial account number XXXX. Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes to proceed with investigating this complaint. ) This account  reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I recently sent a letter over 60 days ago to this bureau and they are disregarding a regular consumer dispute.

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 2020-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These inquires from XXXX with inquiry date of XX/XX/XXXX and XXXX with inquiry date of XX/XX/XXXX are unauthorized. I already asked TransUnion to get these off from my report but to no avail.

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 2020-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
i bought 2 money orders on XX/XX/2020 to pay my XXXX rent and sent them in the mail to my landlord. My landlord contacted me at the end of XXXX and informed me she never received the money orders. I then found my receipts for them and contacted Western Union and they informed me that they were never cashed. They told me what i needed to do to get a refund check sent to me so i can pay my rent. I filled them out and sent them in to Western Union. After not hearing anything back from them i called in mid XXXX and they informed me they sent a refund check out but it did not go to me or my address. After speaking to numerous supervisors and customer service reps i have gotten no where they informed me to email my documents again and they would escalate the issue but still almost 2 months later and i still do have a refund check for the XXXX dollar money orders i purchased. Which means somewhere there has been fraud committed because someone had to have altered the refund information to be able to issue a check out that was my money to someone else. I am needing help to recover my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 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: CT

Complaint narrative:
Equifax ; XXXX  and XXXX  should not be reporting that I am ( 30 - 60 ) days late on the XXXX XXXX  partial account number XXXX. ( Please see pages attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes to proceed with investigating this complaint. ) Also, Equifax is reporting this account in duplicate. These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of lates, as well as a duplicate account, is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. My friend is doing a refinance for me. When he pulled credit it triggered my servicer NewRez to have their call center try and solicit me. They without my permission locked up my FHA case number and refuse to release it to my lender. I have sent a letter stating I wanted it released as well as emails. XXXX XXXX at NewRez is the loan officer that pulled the case number. Others that were notified at NewRez were  XXXX and XXXX who stated, " Please see request for this FHA Case number transferred to another lender. This is a Call Center loan in Clear to Close status, loan # XXXX XXXX. '' This statement is false. I never applied, signed any disclosures or had an appraisal inspection so how can I be " clear to close ''? They are also stating that I have to have my loan that I never started cancelled in their system before they will release the case number. The delay NewRez is causing me can translate into rate lock extension fees or worst.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
Two accounts from the XXXX on XXXX were placed on my credit report. One account that stated I owed was verified to be inaccurate and promptly removed from my credit report. Rent Recovery was notified that there was a mistake in the accounts and that it should be removed as well. They refuse to do so. I have been contacting them for the past 2 years to no avail. I am told that it is in dispute and will not show up on my credit reports, yet it does. This is clearly a violation of the FDCPA which states that correct information should be updated in a timely manner. I need this account deleted from my credit report asap as I have waited for 2 years now and my account representative, XXXX XXXX, keeps placing me on hold or sending me to voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 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: FL

Complaint narrative:
I have ask Experian numerous times for Experian to show me a signature that I was the one to open XXXX XXXX loan I have told them over and over that this account was not opened by me by law they must send me proof meaning a signature. This is not mine called a lawyer he stated for a loan Experian must provide a signature or delete from credit report. They have this loan as XXXX balance charged off

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 2020-07-14 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: FL

Complaint narrative:
I sent letters via certified mail on XX/XX/20 to Experian asking them to validate certain debts on my credit report with a signature showing I owed a debt. They received it on XX/XX/20. They didn't respond until well after 30 days in late XXXX, but they backdated the results to XX/XX/20 to show they were within the 30 day time frame. That's an obvious violation of the FCRA. I sent a followup letter on XX/XX/20 asking them to provide documents bearing my signature or to remove the inaccuracies on my reports. They received it on XX/XX/20. We are going on 2 months and I have no received a response. All together we are going on 3 months and I have yet to receive any type of validation for this errors 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 2020-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In 2017-Directly after Hurricane Harvey I was unable to work for a couple months. Since I was a victim of a natural disaster Capital One offered me a temporary payment relief plan. I fulfilled my end and paid it all current directly after it was over. Capital One placed 1 month of 30 days late and 3 months 60 days late on my credit report. I have disputed this multiple times and I receive a letter stating Capital One does not remove negative remarks from your credit report as a customer service. I dont want it removed as a customer service-I want it removed because it is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-14 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: CA

Complaint narrative:
I had my credit ran today XX/XX/20 because asked for a credit increase on one of my credit cards but I was turned down because apparently there are accounts in negative standing on my credit. I looked through a copy of my credit report and I saw accounts from XXXX, XXXX XXXX XXXX XXXX XXXX that I never opened. I don't know why these accounts are on my credit report or who could have opened them in my name without my permission. I never got anything from these accounts such as money, goods, services or any other benefit nor did I ever make any payments towards these accounts. I do not have any contract or relationship with any of the companies I listed and I did not give them permission to run or view my credit information. I already filed a police report as regarding these suspicious 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 2020-07-14 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: CA

Complaint narrative:
I had my credit ran today XX/XX/20 because asked for a credit increase on one of my credit cards but I was turned down because apparently there are accounts in negative standing on my credit. I looked through a copy of my credit report and I saw accounts from XXXX, XXXX XXXX XXXX XXXX XXXX that I never opened. I don't know why these accounts are on my credit report or who could have opened them in my name without my permission. I never got anything from these accounts such as money, goods, services or any other benefit nor did I ever make any payments towards these accounts. I do not have any contract or relationship with any of the companies I listed and I did not give them permission to run or view my credit information. I already filed a police report as regarding these suspicious 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 2020-07-14 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: TN

Complaint narrative:
I recently sent a letter over 60 days ago to this bureau and they are disregarding a regular consumer dispute.

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 2020-07-14 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Today, I am currently on the line with Equifax disputing incorrect personal information they have on my credit profile. Additionally, I asked for a copy of my most recent credit report and they said they have to send it to the current address they show which does not belong to me and that I have disputed multiple times. They are aware of my current address since they have mailed me a copy of my credit report within the past 6 months, and all of my creditors are reporting my current address. This has been a major ongoing issue with Equifax because every month I am finding incorrect information that has been added or information that has been removed 10 years ago readded out of nowhere. I have over 20 disputes regarding personal information. When I asked to speak with a supervisor the representative transferred me to their survey vs handling the issue at hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 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: CO

Complaint narrative:
Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 30 ) days past due on the XXXX  partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Military ID for identification purposes to proceed with investigating this complaint. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I wrote letters to the credit bureaus and the following companies listed below about unauthorized inquiries on my credit file. I did not receive a response from the companies listed below and the credit bureaus didn't give me correct information with the companies authorization to pull my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 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: CT

Complaint narrative:
XXXX  ; XXXX  and Transunion should not be reporting that I am ( 30 - 60 ) days late on the XXXX XXXX  partial account number XXXX. ( Please see pages attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes to proceed with investigating this complaint. ) Also, XXXX is reporting this account in duplicate. These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of lates, as well as a duplicate account, is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to fix this however, I have not been successful.

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 2020-07-14 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: CT

Complaint narrative:
XXXX  ; Experian and XXXX  should not be reporting that I am ( 30 - 60 ) days late on the XXXX XXXX  partial account number XXXX. ( Please see pages attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes to proceed with investigating this complaint. ) Also, XXXX  is reporting this account in duplicate. These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of lates, as well as a duplicate account, is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to fix this however, I have not been successful.

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 2020-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: CA

Complaint narrative:
Thank you very much for all the help you provide. I filed a complaint a few years ago against a collection agency who was reporting an account on my credit report. it was an account created through identity theft. At the time I had sent a notarized Identity Theft Affidavit and a police report to the collector as well as to the credit bureaus and nobody was fixing the account. After I filed a complaint to you I was able to have the account deleted. 

Today I am facing the same problem. A collection agency named Enhanced Recovery Collections is collecting for an XXXX account which is at {$1700.00}. I sent a notarized ID theft affidavit as well as a police report and a dispute letter to them as well as the three credit bureaus back on XX/XX/XXXX. No company has sent me a response and it has been three months. This is really hurting my credit score and preventing me from obtaining financing. 

I called Enhanced Recovery Collections today along with a consumer advocate and we spoke with an individual named XXXX XXXX # XXXX. The advocate informed him of everything that was going on and XXXX XXXX said they hadn't received any notices. He asked if there was a reference # on the letters. The advocate informed him there wasn't because the credit report didn't have one. XXXX gave us a reference # and said he would send us a fraud packet. My advocate asked him to send it but he also asked why we would need another fraud packet when we are providing one that's notarized along with a police report. XXXX XXXX said it needed to be specifically for XXXX. 

I understand why ERC may be asking for an XXXX specific fraud packet, but I don't understand why they haven't responded to my letter or to my credit bureau disputes I also sent. My advocate asked him the same questions in the phone call today and XXXX XXXX said they hadn't received any disputes from the bureaus either. All of this is bringing back memories from two years ago when I went through the same problems trying to remove fraud accounts from my report. Everyone was claiming they hadn't received my notices or were ignoring me. My consumer advocate let XXXX XXXX know I was going to simply file complaints because I couldn't restart the process after three months. XXXX XXXX told him he could send us to the escalations department but that wouldn't make anything faster. The advocate then told him I would file the complaint to you. XXXX then acted like he didn't care anymore and that's when the call ended. 

This complaint is so you can help me again. I am very upset that I have to go through the same problem again and I am very upset that no one is doing their job again. How long do I have to suffer for this? It is not my fault I am the victim of fraud and to continue to have to put my life on hold and have my good name ruined due to fraud is very upsetting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This account is not mine. They supposedly verified it with the creditor but they did not produce any supporting evidence the account belongs to me. 

Thank you for your understanding.

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 2020-07-14 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: CT

Complaint narrative:
Transunion has re-added the XXXX XXXX partial account number XXXX back to my credit report as well as brought the date of last activity forward. ( Please see pages attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes to proceed with investigating this complaint. ) This is a violation of the Fair Credit Reporting Act to re-add an account in duplicate and to falsely bring the date of last activity forward. I have contacted XXXX XXXX as well as Transunion to remove this from my credit report however, I have not been successful.

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