vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-10 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: DC

Complaint narrative:
I am needing to move out of my apartment due to the bad maintenance. I went into some apartments close to where I live now and I had to get my credit pulled. During our discussion and viewing my XXXX XXXX report, I learned that I was not able to get the apartment due to multiple accounts that are not mine. XXXX XXXX  XXXX  Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX  XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX  XXXX  Acct # XXXX, XXXX | XX/XX/XXXX, XXXX  XXXX  | XX/XX/XXXX, XXXX  XXXX  | XX/XX/XXXX, XXXX  XXXX  | XX/XX/XXXX, XXXX  XXXX  | XX/XX/XXXX, XXXX  XXXX  | XX/XX/XXXX, XXXX  XXXX  | XX/XX/XXXX, XXXX  XXXX  | XX/XX/XXXX, XXXX  XXXX  | XX/XX/XXXX, XXXX  XXXX  | XX/XX/XXXX, XXXX XXXX XXXX  | XX/XX/XXXX, XXXX XXXX XXXX  | XX/XX/XXXX, XXXX XXXX XXXX  | XX/XX/XXXX, Unknown Acct # XXXX, Unknown Acct # XXXX Unknown Acct # XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX  XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  Acct # XXXX XXXX  XXXX  XXXX  Acct # XXXX, XXXX  XXXX  XXXX  XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX  XXXX XXXX XXXX | XX/XX/XXXX. 
I also noticed that these Student Loan Accounts were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me : ALABAMA XXXX XXXX Acct # XXXX, DEPT OF EDUCATION/XXXX  Acct # XXXX, XXXX XXXX Acct # XXXX XXXX XXXX  XXXX  Acct # XXXX. These items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my 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 2020-06-10 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: GA

Complaint narrative:
There is inaccurate personal information reporting on my credit file : Incorrect Names : XXXX XXXX XXXX ( TU, XXXX, and XXXX  ) Incorrect Address : XXXX XXXX  XXXX  ( TU and XXXX  ) Incorrect Address : XXXX XXXX ( TU ) Incorrect Address : XXXX XXXX XXXX ( XXXX  ) Incorrect Address : XXXX XXXX XXXX ( XXXX  ) Incorrect Address : XXXX XXXX XXXX There are several accounts reporting that does not belong to me : XXXX XXXX XXXX - Opened XX/XX/XXXX Balance : XXXX XXXX  XXXX XXXX - Opened XX/XX/XXXX Balance : {$7600.00} XXXX XXXX - Opened XX/XX/XXXX Balance : {$14000.00} The following accounts is inaccurately reporting late payments : XXXX XXXX - Opened XX/XX/XXXX Balance : 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 2020-06-10 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: GA

Complaint narrative:
There is inaccurate personal information reporting on my credit file : Incorrect Names : XXXX XXXX XXXX ( XXXX, XXXX, and Experian ) Incorrect Address : XXXX XXXX  XXXX  ( XXXX and Experian ) Incorrect Address : XXXX XXXX ( XXXX ) Incorrect Address : XXXX XXXX XXXX ( Experian XXXX Incorrect Address : XXXX XXXX XXXX ( XXXX  ) Incorrect Address : XXXX XXXX XXXX There are several accounts reporting that does not belong to me : XXXX XXXX XXXX - Opened XX/XX/XXXX Balance : XXXX XXXX  XXXX XXXX - Opened XX/XX/XXXX Balance : {$7600.00} XXXX XXXX - Opened XX/XX/XXXX Balance : {$14000.00} The following accounts is inaccurately reporting late payments : XXXX XXXX - Opened XX/XX/XXXX Balance : 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 2020-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Greetings, Hope all is well. My name is XXXX XXXX I maintain a checking account with TD bank and I just noticed that an overdraft fee of {$35.00} was assessed to my account. I am truly confused because money was in the account. I tried calling but was on hold for over a hour. Can someone please help me resolve this error. Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-10 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: ID Analytics, Inc.
State: OH

Complaint narrative:
My credit report was provided by SageStream to XXXX XXXX ( hereinafter " XXXX '' ) on XX/XX/2019. This report was used by XXXX to deny my application for a credit account with XXXX. A credit rejection letter was generated by XXXX XXXX  on XX/XX/2019. This rejection letter indicated that my SageStream credit score was XXXX. 
At the time of this rejection my FICO score was XXXX. 
I requested and eventually received my SageStream credit report. This report contains my name, address, phone numbers, SSN, DOB, e-mail addresses, and the names of several creditor grantors that requested my report. 
This report contains no information whatsoever upon which SageStream could generate a credit score. There is no information at all about any account or payment history that I have with any creditor. 
In spite of the above, the credit rejection letter listed that I have too few revolving accounts, too few bankcard accounts, and too many serious derogatory items. 
It is my legal opinion as an attorney that the CFPB should investigate SageStream for violations of the FCRA and for fraud. It's highly likely that many more people have been harmed by credit scores having no basis in fact and by willfully erroneous reporting generated by SageStream.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: LoanCare, LLC
State: NJ

Complaint narrative:
I had inquired about a forbearance plan that Loancare LLC was offering during the start of the covid-19 pandemic. I filled out an online application for the plan on XX/XX/20, and received an email stating that I was approved and the plan had started on XX/XX/20. I was notified by my mortgage broker to immediately cancel the plan, as I was planning to refinance in the near future, due to the possibility of a negative report on my credit. I tried to contact Loan care immediately to cancel the plan, and could not reach anyone on the phone multiple times. I attempted to cancel my plan online but had technical difficulties which were not assisted by any loancare technical associates. Additionally, they reported me as delinquent on my payments during the forbearance plan, which they specifically stated would not happen on the application completion email I received. I spoke to a manager at Loancare, Agent ID  # XXXX XXXX, who could not assist me with this issue or provide me with a letter validating that Loancare is wrongly reporting my credit, on XX/XX/20. I am also unable to login to request a letter from the credit department due to technical issues that Loancare is currently having.

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 2020-06-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Professional Bureau, Inc.
State: TX

Complaint narrative:
I recently filed a complaint CFPB about XXXX, there were two negative accounts before the complaint was initiated. One was deleted before the investigation was completed, the other was deleted after the investigation. Merchants and Professionals have put another ridiculous amount on my credit, {$26.00}. I have no idea why people would attempt to ruin your credit with such a small amount during a pandemic, It was reported on XXXX, I have no idea where this debt is from. I've never received a bill for {$26.00} in my life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: FL

Complaint narrative:
This XXXX  was disputed and removed from all three credit reporting agencies prior to XX/XX/2020, I checked my XXXX  report and this same account was re-added under another collection agency, nothing sent to me confirming the account which I had previously disputed and had removed because it did not belong to me. This should not be legal that a collection company can add a collection and not verify or send the consumer notification regarding a fake account.

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 2020-06-10 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:
This company is reporting inaccurate information for an account balance that does not belong to me. The account is XXXX XXXX XXXX. I have contacted this company several times regarding this account with no resolve. 

This company has not provided me an documentation to support their investigation that the account and balance is correct. I am a victim of ID theft and predatory lending, and unfair and deceptive trade practices through XXXX XXXX XXXX. This company, along with XXXX is intentionally reporting inaccurate information that I have no knowledge of.

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 2020-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Some one with access to my account is manipulating my account, funds available, reversing purchases etc.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-10 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: American First Finance, Inc.
State: GA

Complaint narrative:
Unauthorized Inquirers XXXX  XXXX  - XX/XX/XXXX XXXX/XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX - XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Due to the COVID-19 pandemic many air travel tickets were cancelled or changed departure, arrival time as well as routs. I cancelled our purchased tickets for XXXX vacation what we purchased last year ( prior to pandemic ). First my credit card issued a refund but recently they reversed the tickets charge back due to the airlines replied to the dispute that the tickets are non refundable. However being a long time air traveler I know that there is a customer protection law that if an airline changes departure / arrival time for more than 15 min, customers have the right to cancel the purchased tickets and get reimbursement for money paid. I was able to contact XXXX XXXX reps who promised to issue a credit for the flights purchased. However I can not contact XXXX XXXX XXXX. 
XXXX XXXX XXXX  changed our time and flight rout but there is no way to contact them as they cancelled USA customer service ( ph # XXXX ) and I do not know Portuguese to call their XXXX office. If I log on their web site with our booking # XXXX there are our names only but no any tickets associated with the flights we purchased because flights were cancelled but new routs / tickets were not offered. I reported all of this to the Citi Creit Cards dispute department. Yet Citi card reversed the charge in XXXX XXXX XXXX favor so I do not have tickets or money pair for them.

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 2020-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Hours of back and forth with PNC Bank. They clear the hold. I go to use the app and the hold is back. Over and over.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FMS Inc.
State: CO

Complaint narrative:
I have asked FMS to verify that I owe this debt on three separate occasions. I attached the letter that i have sent. Their response has been that they only have access to certain information. They have not provided the original copy of the contract between myself and the original creditor, the proper legal assignment contract between them and the original creditor. A line by line accounting of the original account, including detailed transaction history. Proof that they are licensed to collect debt in Colorado. 

What they have sent are a bunch of statements with no transaction history. They just show late fees on top of late fees. Absolutely, no transaction history. 

I have spoken with a lawyer and he told me that without the above referenced verification this will not stand in court. 

Once, again I am requesting what I asked for in my original letter. If you can not provide that to me, collection efforts need to stop. This is a clear violation of the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
This is not my account please remove 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 2020-06-10 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: NC

Complaint narrative:
I was late on my payment with XXXX furniture back in XXXX of 2020, but I quickly brought the account back into good standing. Despite that, XXXX continues to report my account delinquent, although I have been making regular, on-time payments since XXXX. I have contested the status of this account through Equifax, but XXXX refuses to report the proper status of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This company is reporting inaccurate information for an account balance that does not belong to me. The account is XXXX XXXX consumer. I have contacted this company several times regarding this account with no resolve. 

This company has not provided me an documentation to support their investigation that the account and balance is correct. I am a victim of ID theft and predatory lending, and unfair and deceptive trade practices through XXXX XXXX XXXX. This company, along with XXXX is intentionally reporting inaccurate information that I have no knowledge of.

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 2020-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This company is reporting inaccurate information for an account balance that does not belong to me. The account is XXXX XXXX consumer. I have contacted this company several times regarding this account with no resolve. 

This company has not provided me an documentation to support their investigation that the account and balance is correct. I am a victim of ID theft and predatory lending, and unfair and deceptive trade practices through XXXX XXXX XXXX. This company, along with XXXX is intentionally reporting inaccurate information that I have no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: NJ

Complaint narrative:
XX/XX/2018 - payment in the amount of {$400.00} XX/XX/2018 - payment in the amount of {$200.00} XX/XX/2018 - payment in the amount of {$200.00} I have receipts for all payments ( or I can show bank statements ) and this should have settled the account. I later came to find out that my account was transferred to Jefferson Capital for the full amount of the debt. I have disputed the charges with XXXX  and XXXX to just be told that the debt is still valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: NC

Complaint narrative:
I've been dealing with equifax to fix these issues since I was part of their data breach a couple of years ago. 

I've filed a dispute with them they wait a few weeks say it's complete, send me a pdf credit report showing the negative item that is not mine is removed. Yet online they are still reporting it and it is affecting my score. 

This is my last attempt before I move to go to the court for sanctions against equifax for violating our settlement agreement

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: DC

Complaint narrative:
I am needing to move out of my apartment due to the bad maintenance. I went into some apartments close to where I live now and I had to get my credit pulled. During our discussion and viewing my XXXX XXXX report, I learned that I was not able to get the apartment due to multiple accounts that are not mine. XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, Unknown Acct # XXXX, Unknown Acct # XXXX Unknown Acct # XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. 
I also noticed that these Student Loan Accounts were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me : XXXX XXXX XXXX Acct # XXXX, DEPT OF EDUCATION/XXXX Acct # XXXX, XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX. These items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my 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