vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Let 's month, I mailed XXXX XXXX a certified letter requesting that they verify the debt of {$200.00} which is on my credit reports. They have not responded and it has been over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: TX

Complaint narrative:
My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX XXXX {$1100.00} XXXX XXXX XXXX {$1200.00} XXXX  XXXX {$1400.00} XXXX XXXX XXXX {$430.00} XXXX XXXX  XXXX {$22000.00} XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$6000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: TX

Complaint narrative:
My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX XXXX {$1100.00} XXXX XXXX XXXX {$1200.00} XXXX  XXXX {$1400.00} XXXX XXXX XXXX {$430.00} XXXX XXXX  XXXX {$22000.00} XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$6000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: AR

Complaint narrative:
I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent 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 2020-06-23 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: AR

Complaint narrative:
I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent 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 2020-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I'm trying to link my bank account with stock market and I can't

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: MI

Complaint narrative:
Dear Collector : Please be advised this letter is a demand for validation pursuant to the Michigan Consumer Protection Act and the FDCPA, made by XXXX XXXX. Your failure to respond may trigger action for damages brought by an individual consumer against XXXX XXXX XXXX, for violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692 et seq., and the Michigan Collection Practices Act ( State Act ), MCL 339.901 et seq., which prohibit debt collectors from engaging in abusive, deceptive, and unfair practices. Furthermore, FCRA Sections 623 ( a ) ( 5 ) ( A ) & ( B ) stipulates what a collection agency must do to attempt to determine the date it must provide to a consumer reporting agency for calculating a seven-year period. This date is a key to ensuring that collection accounts, even when transferred from one collection agency to another, do not result in a change in the calculation of the seven-year period for retention of adverse information. 

Be advised THIS IS NOT MY DEBT! Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692 ( g ) : I XXXX XXXX states that your claim is disputed and validation is requested. During this period of dispute, consistent with the requirements of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692 et seq., you are required to stop all efforts to collect this alleged debt and remove any negative reporting to any credit reporting agencies or be held accountable for the ensuing liability and penalties arising under the FDCPA. Further consistent with the requirements of the FDCPA, 15 USC 1692g, please verify the debt you are seeking to collect, in writing, in the following particulars : What the money is owed for ; Explain and show how you calculated what you say is owed ; Provide copies of any papers that show the amount claimed to be owed was agreed upon ; Provide a verification or copy of any judgment if applicable ; State if you purchased this debt from the original creditor ; Prove the Statute of Limitations has not expired on this account Show proof that you are licensed to collect in Michigan Provide copies of your license numbers and Registered Agent

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX {$80000.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Simply enough we are about to close on our construction loan next month ( XX/XX/2020 ). 

Weve been paying off massive amounts of debt in the last three months ; nearly $ XXXX of credit card debt. 

My score is making leaps and bounds as my utilization and balances are going down but yesterday my score dropped FORTY ONE points. 

I subscribe to both Experian and XXXX credit monitoring services both of which claim to help you understand and notify us of any changes and why these changes are taking place. Upon logging into Experian, all it shows is what Im going to attach to this complaint which states my score went down 41 points. 

But nowhere does it state why this occurred. As an agency that is responsible for credit reporting and formulating scores they should have to tell you why such a large decrease occurred. 

In the last two months Ive had one inquiry ran by my bank to extend our construction loan, one new credit card opened and almost $ 5k reduction in balance. One card even extended my credit limit. 

None of these things would cause my score to drop 41 points. In fact, the only incident that would cause a decline would be the hard inquiry by the bank and that wouldnt cause a 41 point decrease. 

Ive reviewed my most up to date report from both Experian and XXXX and none of them have any late payments ( never have had one ever ), no public or derogatory information. None. 

When calling Experian I was transferred eight times. I asked for a supervisor or legal department because this is not correct. I was told there wasnt anyone to talk to. I was also told broadly why scores can drop and which none apply and was given the who cares treatment. This is egregious. 

I intend to sue Experian and XXXX unless specifics of why my score dropped so drastically is provided. This should be illegal. 

Im sick of being screwed by these companies. Its bull! 

Keep in mind that Experian makes billions off consumers who buy suggested products through their site. I believe they have an algorithm that makes people believe the only way to increase their credit profile positively is to take out more credit! Its all a game and I believe Experian is guilty of nefarious behavior.

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 2020-06-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Conn's, Inc.
State: LA

Complaint narrative:
I initially opened an installment loan and got merchandise with this company in XXXX. I made payments on the account up until XX/XX/XXXX. I called in and spoke to a representative on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. My balance is not going down even with all of the extra payments that I have been making. I was notified on XX/XX/XXXX that all of my payments were going to a closed account. So i asked " what closed account could they have been going to? '' because i've never had another account. The representative told me that she would escalate the issue and have someone to call me about the problem that they noticed. I never received a call back, so I called to find out if the problem was solved and was told that all of my payments were not reported because they took it upon themselves without my permission to do extensions every month after i made my payments online and without my permission. This company is a total scam, as of today one of my credit reports shows a balance of XXXX and the other XXXX after 4 years of payments. This is crazy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: VA

Complaint narrative:
Back in XX/XX/XXXX I was advised that I could refinance my loan and that the past due payments will be reflected as current. I received a new loan in which the 1st payment was due in XXXX and the account has been paid on time. 

In XX/XX/XXXX, I received a letter confirming that if I refinance my loan, past due payments will be updated to current. However, the account is closed and past due payments have not been updated to current on the old loan as I was advised. 

The letter is conflicting and misleading because I was told by a representative that it did not mean that the past due payments will be updated, it was stated that the the loan would report current when the new loan was established. But the letter does not state that. The letter states Past Due Payments will reflect current. I have disputed the past due reporting before and was told that the past due payment history will not be updated. Im in the process of purchasing a home and the negative information is hurting my credit score.

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 2020-06-23 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: AR

Complaint narrative:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant

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 2020-06-23 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: AR

Complaint narrative:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant

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 2020-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIDELITY CAPITAL HOLDINGS, INC
State: FL

Complaint narrative:
My consumer rights have been violated by Fidelity Creditor Services. On XXXX XXXX, XXXX XXXX, XX/XX/2020 and XX/XX/2020, I submitted disputes to XXXX  disputing the account with Fidelity and the continue to report the fradulent account on my credit report. 
On XXXX XXXX, I submitted a dispute letter to XXXX  regarding the account with Fidelity, I never recieved a response. 
On XXXX XXXX, I mailed a 30 day to comply to XXXX, I did not receive a response from them. After mailing the 30 day to comply I filed a complaint with CFPB against Fidelity, as of today they never responded to the complaint. 
On XXXX XXXX, I mailed another round of dispute letters to XXXX  again requesting them to investigate the account with Fidelity. I received a redponse thaat the account was validated. 
On XXXX XXXX, i mailed a Validation of Debt letter to Fidelity, asking them to validate the debt they're stating is mine. I never received a response. 
On XXXX XXXX, I recieved dispute results stating that again the account from Fidelity was valid and they were not going to remove it from my credit report. I then clled XXXX  on XXXX XXXX and sopke with a rep named XXXX. I asked the representative how they were validating the information on my account, and he stated that XXXX  does not have to disclose their method of verification to consumers, which I believe is incorrect. 
On XXXX XXXX I filed a report for identity theft with FTC, and mailed the copies to the 3 credit bureaus. I received a dispute result from XXXX  on XXXX XXXX indicating that Fidelity is requesting for me to contact them directly, and the fradulent account remained on my report. 
I called XXXX  and sopke with the supervisor XXXX in the fraud department, and she verified the FTC report that was on file, my identity and I provided her with the police report number that I had. XXXX began another investigation on XXXX XXXX. 
As of today my re-investigation is under investigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX {$80000.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX {$80000.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
back in may I experienced financial difficulties due to covid 19. I reached out to Capital one and they deferred two payments and told me I would not have to pay again until XXXX. But ever since XXXX i have received threatening calls, emails and when I look online it says my payment is missed etc. I was told and it is documented that late fees would be removed there would not be a past due or due amount for XXXX, XXXX, and that I would have a minimum due again in XXXX. But the website says something different. I reached out to customer support and they were not of any help. I don't need this to reflect or impact me negatively.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-23 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: AL

Complaint narrative:
XX/XX/2020 I noticed accounts on my credit report that didnt belong to me. I immediately sent in a dispute to XXXX, Transition, and XXXX. 


I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XX/XX/2020 and I still havent heard from these companies.

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 2020-06-23 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: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy or ( bankruptcies ). These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX {$2200.00} XXXX {$1200.00} XXXX {$2400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
Hello I received an email for opening Citi priority checking account with 50,000 AAdvantage miles. I brought the email letter to the local branch and the banker confirmed that I can get the bonus after I meet the requirements. I opened the checking account and have met all the requirements, but I still didn't get the bonus after half a year.

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