vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-08 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX 2. The following personal information is incorrect Employers : XXXX XXXX 3. The following personal information is incorrect Employers : XXXX XXXX XXXX 4. The following personal information is incorrect Employers : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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:
Dear Credit Bureau, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report.

I am writing to dispute the following information that your company supplied to [ give the name of the credit bureau whose report has incorrect information ]. I have circled the items I dispute on the attached copy of my credit report ( s ). 

This address [ XXXX XXXX XXXX XXXX XXXX, NY XXXX ] is inaccurate and incorrect because I have never ever lived in that apartment. 
I am requesting that you have the item removed or change to correct the information. 
My address is XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX. 

As per section 609, I am entitled to see the source of the fraud information, which is the original contract that contains my signature from XXXX XXXX. 

As proof of my identity, I have included copies of my NYS-id and my Social Security card. 

If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days.

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 2021-07-08 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: IL

Complaint narrative:
Received copy of my Experian credit report and it showed some inaccurate information specifically a bankruptcy. I asked Experian to disclose there method of verification and Experian received XX/XX/21 and never received response. Sent 2nd request for method of verifcation XX/XX/21 and replied XX/XX/21 with file # XXXX claiming the bankruptcy was verified by XXXX. So I went directly to XXXX to confirm this information and on XX/XX/21 XXXX couldn't verify the inaccurate bankruptcy on there file and as of XX/XX/21 has deleted and removed the bankruptcy from there files. On my behalf XXXX also filed a dispute with Experian to confirm the bankruptcy was deleted from there file. Also as a follow up, I sent the results of this investigation to Experian directly received on XX/XX/21 and as of XX/XX/21 has not received a response from my request to have the bankruptcy removed from there file. I pulled my Experian credit report on XX/XX/21 with file # XXXX which still shows the bankruptcy on my file. Seems as if Experian is ignoring the dispute done on my behalf by XXXX and my followup done as well with a no response.

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 2021-07-08 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: SC

Complaint narrative:
Unauthorized use of credit report. Sent letters to dispute items to bureaus on XX/XX/2021 and have not received a response.

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 2021-07-08 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: SC

Complaint narrative:
Unauthorized use of credit report. Sent letters to dispute items to bureaus on XX/XX/2021 and have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
I would like an update on the formal complaint that I wrote to you on XX/XX/2021 about seeking help resolving the problem that I am having with the collection company, CMRE Financial Services Inc.

The reason I would like this update is because I receive another letter from CMRE, the following week saying that the account was validated. This is a complete lie, I asked for validation as well as method of validation documents, I asked for the HPAA release ( along with other documents as proof of validation ) for that I supposedly signed saying that I consented to releasing my medical information to a third party mainly, CMRE.

CMRE Financial Services Inc is willfully acting in bad faith and lying to keep unverified negative accounts on my credit report. I have not received not 1 certified letter or even regular mail of the requested supporting documents I asked for under the FCBA. 
Please help me because I am trying to by a house. Its hard enough being a XXXX woman in XXXX as it is. I am not a bad person. I have never ever been arrested and all I want is to be treated fairly. I dont understand why that is so hard!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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 — Their investigation did not fix an error on your report
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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 — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I have mentioned in my previous disputes that the listed accounts are erroneous and inaccurate, yet those accounts are still showing on my report. This goes against FCRA section 623 ( B ) ( i ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
This bank hates me each time I apply fir a credit card with them they decline me for stupid reasons which dont make sense recently I applied and was not instantly approved why did they do this to me when my credit has improved my debt to income ratio has gone down why cant they see that I wish XXXX he contacted by them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Re : SunTrust I went to get gas today and my card was declined. I tried to login on the app and couldn't. I called the bank to see what was wrong as I knew I had plenty of funds. 
The rep stated that my account was frozen and it's under investigation. She also stated they were closing my account and she couldn't reverse it because SunTrust no longer wanted to continue a banking relationship. She could not give me a reason. 
I requested the call to be escalated. I spoke with XXXX who told me the same info. He also told me my childrens accounts were frozen as well. He stated I was flagged for suspicious activity. I explained that it was not possible. 

I use the accounts for paying bills and everyday expenses that bear no semblance to suspicious. I've had my account for over a year, I only have my SSI deposited into the account. I recently opened accounts for my minor children who are also on SSI and that's the only thing deposited in their accounts. I showed proof of everything when I opened their accounts as their representative payee. Mine and my son 's funds are direct deposited from SS and my daughter just received her checks to open an account so SS could direct deposit them as well. I still don't know where the issue is but that's my only guess. These are all United States Treasury checks. 

I have {$0.00} to survive on as they're holding everything. My children can't get their medical care, I can't pay my rent or bills and now I'm going to accrue late fees and this will ruin my credit due to be unable to pay. We can lose the roof over our head and SunTrust can only tell me I will get a letter within 30 days. 

The other issue is that I now have to contact SS for all 3 accounts and have payments stopped and go through the process of opening new accounts. That's a nightmare in itself. I would greatly appreciate any assistance or ad vice in resolving this matter. 

Thank you.

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 2021-07-08 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 — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: N26 Inc.
State: ME

Complaint narrative:
I have been using N26 since XX/XX/XXXX and I have been primarily using the account to save money. On XX/XX/XXXX, I have noticed that the app will not let me sign in and kept asking to identify myself and provide prove of who I am. I have followed the steps numerous times and I still couldnt sign in. After a week, I reached customer service and thats when I found out that it was fraud and I was not getting my money back. They said theres nothing they can do for me and my account will close if the app can not identify me. 
Right now I dont know what to do, I have XXXX in the account and I have no access to it. I cant open my account and I cant move my money. I need serious help with this issue I am facing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I filled a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i hav not received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: GA

Complaint narrative:
I went to the bank to look at getting a loan to purchase a box truck and was denied. The branch Manager went over my credit with me and saw several things on there that is not mine XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX. I also saw some student loans on there and Im not sure how that is possible being that I didnt even grauduate from high school. Some of them ran my credit without me knowing XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I have reached out to the FTC and the police here. I am doing this on my own and really need someone help with this.

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 2021-07-08 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: United Revenue Corporation
State: TX

Complaint narrative:
XXXX  is reporting all these account on my credit file and none has been validated. I sent letters for validations but never has XXXX  sent anything to me. This is unfair and I feel that my rights are being violated

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
The information you disputed has been verified as accurate, however, information unrelated to your dispute has been updated. Account # - XXXX The results are : WE VERIFIED THAT THIS ITEM BELONGS TO YOU. THIS ACCOUNT HAS BEEN UPDATED. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : XXXXSTATUS DATE *CLIENT NAME *BALANCE DATE. If you have additional questions about this item please contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX : ( XXXX ) XXXX The results of the supposed independent investigation showed no cause for the unverified account to remain on my account. Ample request for investigation have been made to both collection agency and credit reporting agencies as to the accuracy and validity of this account. Please help me to make both collection agency and credit reporting agencies follow the rule of law and not violate the rights provided to consumers in both state snd federal ruling.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
My score was at XXXX last month. After my dispute of an old collection that I have reached out to numerous times to get dropped off for payment ( USAA ). The dispute completed and dropped my score XXXX points after the completed dispute. My bills are paid on time and my credit ratio is superb. Its currently showing I have 97 % of my credit available.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: GA

Complaint narrative:
I went to the bank to look at getting a loan to purchase a box truck and was denied. The branch Manager went over my credit with me and saw several things on there that is not mine XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX. I also saw some student loans on there and Im not sure how that is possible being that I didnt even grauduate from high school. Some of them ran my credit without me knowing XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have reached out to the FTC and the police here. I am doing this on my own and really need someone help with this.

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 2021-07-08 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I went to the bank to look at getting a loan to purchase a box truck and was denied. The branch Manager went over my credit with me and saw several things on there that is not mine XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX. I also saw some student loans on there and Im not sure how that is possible being that I didnt even grauduate from high school. Some of them ran my credit without me knowing XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. I have reached out to the FTC and the police here. I am doing this on my own and really need someone help with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: North State Acceptance, LLC
State: TN

Complaint narrative:
Each month since XXXX, I began paying monthly payments to North State Acceptance for a car loan, Ive been hit with a remark by the company which affects my credit score by XXXX points. XXXX XXXX shows that its because the balance was adjusted and increased. Anytime I call the company, I am told that they arent sure why its happening and that I just need to dispute the remark with the credit bureau. Although I have done that, it has now become a monthly hassle to have to deal with this and my credit is not catching a break. I pay on time and early and pay the full amount each month. My credit should not have to suffer because of a bad company. I cant help but think there is something shady going on and I am beginning to look further into legal action. Ill attach my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: ME

Complaint narrative:
This debt is part of a litigation related to a car accident from several years ago. I spoke with the creditor the original agency as well as the other two credit reporting agencies and the charge was removed as it is in litigation and experian refuses to remove

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 2021-07-08 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I filled a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i hav not received any investigation results

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