vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-06 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: AL

Complaint narrative:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX   ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : 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 2020-05-06 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: WI

Complaint narrative:
Equifax ; XXXX  and XXXX  should not be reporting a collection on the XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) These charges were covered by my medical insurance and these charges were submitted when services were obtained. I received a bill and contacted the billing department and provided the representative at the billing department all of the insurance information again however, it was still not billed correctly. I have attached a copy of my insurance card for reference. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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: AR

Complaint narrative:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I submitted a dispute with Equifax for a medical collection I paid back in XX/XX/XXXX. I submitted the dispute online with Equifax and XXXX  on XX/XX/XXXX. XXXX  requested I mail supporting documentation, Equifax allowed me to upload supporting documentation. I provided the same documentation to both credit bureaus. I provided proof of credit card payment and an email correspondence with a lawyer which included the payment confirmation number. After 30 days the record was removed from XXXX ( XX/XX/XXXX ), however it remained on my Equifax report. I contacted Equifax on XX/XX/XXXX about the matter and they advised the creditor was still reporting the debt as accurate. I inquired about the proof of payment that I provided, and they advised that it wasnt attached to the dispute when they contacted the creditor and they would submit another dispute and it should only take about 7 to 10 days. I was on the phone 22 minutes with the associate. I followed up on XX/XX/XXXX and was on the phone over an hour and got disconnected. During that conversation the associate advised that the dispute didnt look like it had been submitted with the documentation. So yet again Equifax failed to get this resolved properly. The call got disconnected after 1 hour and 3 minutes. I called the medical creditor and they advised they have provided proof that this debt is no longer valid to the credit bureau on 3 separate occasions, 30 days after payment was made in XXXX, in XXXX and in XXXX. All these dates coincide with all the times I followed up with Equifax. I called Equifax a third time to try and resolve the matter with a supervisor on XX/XX/XXXX and she confirmed she had the documentation that showed proof of payment, however they will not remove the incorrect reporting debt because they claim the creditor said it was accurate and they want me to provide additional proof outside of what I've already provided. I am trying to buy a house and need this resolved immediately. I have done my due diligence in getting this matter taken care. The debt never appeared on XXXX, and was removed from XXXX upon review and dispute. However Equifax has failed to follow through with removing this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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: WI

Complaint narrative:
Transunion should not be reporting a collection on the XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) These charges were covered by my medical insurance and these charges were submitted when services were obtained. I received a bill and contacted the billing department and provided the representative at the billing department all of the insurance information again however, it was still not billed correctly. I have attached a copy of my insurance card for reference. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from 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 2020-05-06 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: WI

Complaint narrative:
Transunion should not be reporting a collection on the XXXX  - partial account number XXXX. ( Please see page attached from my credit report. ) These charges were covered by my medical insurance and these charges were submitted when services were obtained. I received a bill and contacted the billing department and provided the representative at the billing department all of the insurance information again however, it was still not billed correctly. I have attached a copy of my insurance card for reference. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from 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 2020-05-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc.
State: VA

Complaint narrative:
I contacted EOS by phone in XX/XX/2020 and agreed to settle the debt in full if the collections company agreed to have the derogatory information removed from my credit reports. The collections agent agreed to have the account removed from my credit report within 5-10 business days after I paid the debt. The account remains on my credit report and I have attempted to have it removed as agreed upon but the company is now refusing to comply with my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: I.C. System, Inc.
State: NY

Complaint narrative:
I c systems during a pandemic actually hit my credit score for XXXX dollars from doctor XXXX. A doctor who in fact didnt do anything to help her patient XXXX her assistant had to me come in for my note .. and then doctor refused to give it asking why i was there .. I told her well I dont need referrals and the nurses all told me to come in over the phone .. I then walked to administrative department there getting into a full argument because I missed a whole day of work where which I get paid hourly cause of her. Ask the admin manager.. i havent been back to her office since. Also are they even allowed to hit my score during a pandemic

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 2020-05-06 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: WI

Complaint narrative:
XXXX  ; XXXX  and Transunion should not be reporting a collection on the XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) These charges were covered by my medical insurance and these charges were submitted when services were obtained. I received a bill and contacted the billing department and provided the representative at the billing department all of the insurance information again however, it was still not billed correctly. I have attached a copy of my insurance card for reference. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from 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 2020-05-06 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: WI

Complaint narrative:
XXXX  ; Experian and XXXX  should not be reporting a collection on the XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) These charges were covered by my medical insurance and these charges were submitted when services were obtained. I received a bill and contacted the billing department and provided the representative at the billing department all of the insurance information again however, it was still not billed correctly. I have attached a copy of my insurance card for reference. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from 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 2020-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
We intended to visit XXXX and the company used the Paypal portal to charge our stay. we cancelled it and he refunded our credit through Paypal.We received notice from Paypal that that the refund was received and was in process. On XX/XX/XXXX, we received notice from Paypal the refund had cleared and they had our money. i checked my credit card and there wasnt a credit for the sum - XXXX Euros. 

so i tried calling Paypal and went thru all the prompts and was finally told, via recorded message, calls would not be taken because of the virus and callers should the message center. 

texted the message center and waited 8 hours, with automated messages the an agent would would be with me in one minute, then 5, then an hour and then 3 hours. Now the site is down. 

no one from paypal ever responded. 

i dont know where my money is. 

paypal is still in business taking peoples money, but i cant get my money. And they are shut down.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-06 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: LDF Holdings, LLC
State: MO

Complaint narrative:
On XXXX XX/XX/19 I had five different inquires for loans using my information they got off XXXX website when I bought a gift. XXXX was able to put a stop to them and the loans never went through. I thought the situation had been closed and I then put a freeze on my info to protect my identity further. 

My fiance and I are merging bank accounts and he contacted his bank ( XXXX XXXX  in XXXX XXXX, MO ) and tried to add me on his bank account. The employee said my name popped up on a list and I needed to get a XXXX  report. I did and it listed the 5 fraudulent inquires that happened in XXXX. The bank told me they need to come off the report in order to be able be on the bank account. I contacted XXXX and they called the companies and they said they can't remove them. I needed to contact identitytheft.gov. I did and they said since the loans didn't go through I needed to contact this website to have them removed from my report. 

All on XX/XX/19 1. XXXX XXXX on Behalf of Radiant Cash 2. XXXX XXXX on behalf of XXXX XXXX XXXX 3. XXXX XXXX on behalf of XXXX, XXXX DBA Bridge Lending SOL 4. XXXX XXXX on behalf of XXXX XXXX, XXXX 5. XXXX XXXX on behalf of XXXX XXXX XXXX Please let me know what I need to do in order to remove these off my XXXX  XXXX report. 

Thank you, 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 2020-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: STERLING JEWELERS, INC.
State: PA

Complaint narrative:
Hi! So I recently got scammed by a what I feel is a fake collection agency trying to get money on an old debt ( Kay Jewelers ) ( 5 years ago ) that shows on my credit report as charged off bad debt The company that contacted me is XXXX XXXX XXXX. There is no website for them. The address on their letterhead which only came by email comes up as a XXXX XXXX - # # # so Im guessing a PO Box and their phone voicemail is hi please leave a message after the tone with your reference # nothing mentioning their name or anything. I had a really bad feeling so i cancelled my card and filed a possible fraud report. After they already took {$300.00} from me. They threatened me on the initial call that I had 24 hours to set up automatic payments or they were going to serve me papers at my home or place of employment and that I had to promise to have the money in there because if not it would make him look bad. They have been calling me daily since the missed payment this past Friday. A friend of mine who works in collections for a different department said it comes up as a fake company and on my bank account shows XXXX   which also comes up as false. No finding them online either.

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 2020-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Trans Union Credit Report I have sent 6 letters outlining there failure to abide by the FCRA and demand deletion of these accounts immediately. I have show previously on my credit report that they are violating my rights. There are 2 different dates and information for a collection with XXXX XXXX on my report. So how can it come back as investigated and verified as factual. My documents prove that the credit bureau did not do a competent investigation of the information when the dispute was assigned. I have also asked for validation and verification previously and never been provided service. Even though I supplied documentation that proved this account is inaccurate they have failed to recognize this and supposedly " verified '' the accounts as accurate. This is a violation of the FCRA which require them to complete a reasonable investigation, which was obviously not done in this situation. I have included all previous disputes to show pattern. 

I have also attached Credit Reports from XX/XX/XXXX and XX/XX/XXXX and Results of investigation with XXXX  which show that reports are still not consistent and showing incorrect information. 

to show Trans Union XXXX  XXXX  XXXX XXXX XXXX Date of Last Activity 2 Different Dates on Credit Report Trans Union XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX -XXXX  XXXX XXXX Date of Last Activity 3 Different Dates on Credit Report Trans Union XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX Date of Last Activity 3 Different Dates on Credit Report Trans Union XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX Balance incorrect Reporting Credit Balance on Report XXXX High Reporting Balance XXXX High Balance should be equal to or more than Balance. This is a violation of FCRA. 











I mailed letters on Dates XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Delmarva Collections, Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX a collection account from Delmarva Collections showed up on my XXXX  credit report, this account is for a school fee for XXXX XXXX XXXX XXXX XXXX I previously Disputed this account with another collection agency XXXX XXXX XXXX they were unable to provide proof of this debt they were originally charging me for {$4800.00} XX/XX/XXXX which was inaccurate and they closed the account due to my dispute. Now another agency is trying to collect on this account for {$630.00} more than the last agency {$5500.00} now, I do not believe I owe this amount and never gave any permission or signed anything stating they can tack on multiple hundreds of dollars of fees and charges. This debt they are referring to was covered by a pell grant and federal loans which I am still paying back. This is illegal and Id like this to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
payments for my ex wife bills were being paid from the account after I removed her from the account and contacted the bank several times. 
they then refused to comply with XXXX  and closed the account without my consent leaving me no access to past transactions which I need access to

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