vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-09 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: NY

Complaint narrative:
To Whom It May Concern, I am Looking at my credit report on XX/XX/2020 I noticed an Inaccurate Hard Inquiry from XXXX. I Called them up to see if they can validate. They couldn't verify any new Inquiry or any new requests or provide any type of documentation. I know Recently with XXXX XXXX I had some soft pulls with there website. I asked there customer service If maybe that caused it by mistake. They assured me not the case. The Customer Representative had told me they will try to remove this from my credit report as soon as possible but they are very packed up due to corona virus. I said I would dispute it on here since I never authorized anything and Is fraud In my opinion.

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 2020-04-09 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:
This is in reference to the prior complaint # XXXX, the credit reporting agencies are not following the guidelines on removing items and not replacing them. XXXX  XXXX XXXX  said they removed 2 late  payment from all the credit reporting agencies. XXXX  is the only one that only show 3 late payments which is correct but theses dates should be removed XX/XX/XXXX - XX/XX/XXXX and XX/XX/XXXX. 
On Experian Boost they are showing 5 late 30 days, which is incorrect. 4 late payments 60 days and that's not correct. Also on the Experian Boost report for XXXX, they have 4 late 30 days and 3 late 60 days, both are incorrect. Between Experian and XXXX XXXX XXXX, This should be corrected immediately. I only have 2 open accounts on my report not 6. Experian have XXXX on my report which is currently under bankruptcy. I have file a dispute several times for XXXX  / Experian to correct 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 2020-04-09 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: LEXISNEXIS
State: IL

Complaint narrative:
Please delete this fraudulent bankruptcy from my lexis nexis credit report. This bankruptcy is unverifiable and under FCRA section 609 if a  bankruptcy can not be verified pit must be deleted. I have filed a police report, ftc complaint, attorney general office, XXXX  and XXXX   have removed the bankruptcy, but remains on lexis nexis. 

Record Type Chapter XXXX bankruptcy discharged Date Filed XX/XX/XXXX Date Resolved XX/XX/XXXX Responsibility Individual Reference Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX  XXXX XXXX XXXX Credit card was opened on XX/XX/XXXX. XXXX $ was paid. By law after 7 years this account should not be on my credit report but it still is. I have disputed this item on XX/XX/XXXX but still no changes were made!

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 2020-04-09 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 for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.

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 2020-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I applied for a loan at XXXX XXXX XXXX today XX/XX/2020 and I was not approved because apparently there are many accounts in negative standing appearing on my credit history. I looked through each account and none of them belong to me. I did not open any of those accounts and I did not allow anyone to open them on my behalf using my information. I do not have any relationship with any of these companies nor do I have a contract or agreement with any of them. I did not benefit anything at all from these accounts and I did not take part in any purchases or payments made towards these accounts. I have already notified these companies as well as filed a police report regarding this suspicious activity on my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I applied for a loan at XXXX XXXX XXXX today XX/XX/2020 and I was not approved because apparently there are many accounts in negative standing appearing on my credit history. I looked through each account and none of them belong to me. I did not open any of those accounts and I did not allow anyone to open them on my behalf using my information. I do not have any relationship with any of these companies nor do I have a contract or agreement with any of them. I did not benefit anything at all from these accounts and I did not take part in any purchases or payments made towards these accounts. I have already notified these companies as well as filed a police report regarding this suspicious activity on my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 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 was informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. 

DEPEDXXXX XXXX {$0.00} BANKRUPTCY CHAPTER 13-DISCHARGED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 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: NY

Complaint narrative:
To Whom It May Concern, I am Looking at my credit report on XX/XX/2020 I noticed an Inaccurate Hard Inquiry from XXXX. I Called them up to see if they can validate. They couldn't verify any new Inquiry or any new requests or provide any type of documentation. I know Recently with XXXX XXXX I had some soft pulls with there website. I asked there customer service If maybe that caused it by mistake. They assured me not the case. The Customer Representative had told me they will try to remove this from my credit report as soon as possible but they are very packed up due to corona virus. I said I would dispute it on here since I never authorized anything and Is fraud In my opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 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:
To Whom It May Concern, I am Looking at my credit report on XX/XX/2020 I noticed an Inaccurate Hard Inquiry from XXXX. I Called them up to see if they can validate. They couldn't verify any new Inquiry or any new requests or provide any type of documentation. I know Recently with XXXX XXXX I had some soft pulls with there website. I asked there customer service If maybe that caused it by mistake. They assured me not the case. The Customer Representative had told me they will try to remove this from my credit report as soon as possible but they are very packed up due to corona virus. I said I would dispute it on here since I never authorized anything and Is fraud In my opinion.

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 2020-04-09 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 informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. 

DEPEDXXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED 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 2020-04-09 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 informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. 

DEPEDXXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED 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 non-monetary relief
Consumer complaint received 2020-04-09 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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX {$180.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collins Asset Group, LLC
State: CA

Complaint narrative:
Collins Asset group reported a collection to personal credit report last month .... Prior to that there was no notice of collection, letter, call or inquiry on this debt they claim is owed to them. Request for validation of debt came back with a simple print out stating that 24k+ was owed to them from the loan originated in CA back in 2017 at 29.66 % ... It is a known fact that CA statutory limit on personal loans is 10 % .... isn't this a usury? After disputing the accuracy of this account with the buraus Collis Asset groups responded with " full validation and confirmation of total accuracy of this account '' to all 3 CRAs However, could not produce signed contract, proof of origination, proof of any payments made on this loan in the past and no proof of personal identification that would prove they have the right person on this collections and who the original creditor/lender was besides the fact that this is originated in the state of CA ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: FC HoldCo LLC
State: AZ

Complaint narrative:
I have a car loan with Flagship Credit, If I am one day late on my payment, I start receiving phone calls. I admit, I am behind but I have been diligently trying to get current ( ex - I made a 1 1/2 month payment 4 days ago ). However, since at least XX/XX/2020 - ( I have phone records from this date on ) I have received a MINIMUM of 1 call per day from this company. Some days I receive 2 or 3 on my personal phone. I also receive emails. They also call me at work ( even though I am not allowed to receive calls at work ), they call my family members and friends. The FDCPA clearly states " causing a phone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number '' is not allowed. I feel like I am harassed every single day. My family members are being harassed, not as frequently as I am, but they receive several calls as well.

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 2020-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: OH

Complaint narrative:
I opened up account with XXXX XXXX in XXXX Arizona I told then nobody was to be on my account I closed my account in around XX/XX/2018 the my ex called had them to put his name on the account on Match XXXX. XXXX XXXX turned it in to a Collection Agency I had to pay the rest if it I paid them over 1000 dollars that was not mine

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 2020-04-09 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Went to get my free annual credit reports from XXXX XXXX XXXX. XXXX  and XXXX  worked fine. When I went to get the Experian one, it says, " A condition exists that prevents Experian from being able to accept your request at this time. 


To obtain your Experian annual credit report, please mail your request to the address below using the XXXX XXXX XXXX Request form. 


XXXX XXXX XXXX Request Service XXXX. XXXX XXXX XXXX, GA XXXX '' In this day and age, it is unacceptable to request consumers to send snail mail to get a credit report that the credit bureaus are required by law to provide. Furthermore, their error message is generic, and does not explain the nature of the issue. It is poor programming, and they should be held to a higher standard.

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 2020-04-09 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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX  XXXX {$180.00}

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 2020-04-09 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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX  XXXX {$180.00}

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 2020-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: FL

Complaint narrative:
To whom it may concern, On a recent review of my credit report, I discovered your company reporting the collection account referenced herein. Regards to the Fair Debt Collection Practices Act ( FDCPA ), I am notify you that I am disputing this debt in entirety, and you are required to provide me with validation not verification but validition of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. If youre unable to validate the account with ALL the information that I requested, then you are to remove the collection account from my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MRS BPO, LLC
State: TX

Complaint narrative:
Firstly, MRS never notified me of this alleged debt before filing it with the credit bureaus, which decimated my credit rating. I was damaged by their dereliction of duty and responsibility as a debt collector, which is why I am reporting that action to the CFPB in a formal complaint. I learned that this entry was placed on my credit report via a credit monitoring service. The notification came after business hours on Wednesday, XXXX On this morning, XX/XX/XXXX, I telephoned MRS per the number listed on my credit report to inform them this alleged debt was not valid. My efforts were to no avail. The rep, who answered, could not help me and transferred me to the XXXX  section of the MRS agency. After a lengthy hold, no one answered the phone. I hung up out of disgust. Secondly, had they performed the lawful activity of notifying me so that I could dispute the debt, they would have discovered that this is a duplicate debt that was filed on my credit report by XXXX XXXX on behalf of XXXX  under the name of XXXX XXXX. .They would have learned that I disputed that derogatory entry on my credit report as I do not owe this debt. All three credit bureaus removed it from my profile, This occurred in XXXX of XXXX. Subsequently, MRS filed the debt under XXXX, an affiliate with XXXX XXXX.I was robbed of due process because they did not verify the legitimacy of the debt with me. I want this negative information removed from my credit profile with all 3 agencies. A consumer should not have to be subjected to stress that arises from a collection agency trying to be slick with reporting erroneous debt by by-passing the law on notification, preventing he consumer from filing a dispute appropriately. MRS did not attempt to verify this debt with me. I do not owe this debt. I am disputing it. I want it deleted from my credit report. Moreover, I want MRS sanctioned for disrespecting the law that protects consumers from just this kind of activity.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
THIS COMPANY HAS NOT VERIFIED NOT INVESTIGATED AND HAS FURTHER PURPOSELY AND WILLFULLY WRITTEN DEFAMATORY STATEMENTS AND WRITTEN ILLEGALLY FALSE STATEMENTS UPON AN UNVERIFIED ACCOUNT.THIS COMPANY HAD NOT PROVIDED ANY CONTRACTS WITH SIGNATURES.PLEASE REFER TO PREVIOUS COMPLAINT FILED XX/XX/XXXX WHICH HAS ALL DOCUMENTS.THIS COMPANY HAS BEEN REPORTED FOR TAX FRAUD FOR FILING A FALSE 1099-C FOR A DEBT THAT HAS NOT BEEN VERIFIED AND HAS NOT FOLLOWED FCRA 609. THIS COMPANY HAS PURPOSELY AND WILLFULLY BEEN NEGLIGENT.THIS COMPANY IS TO REMOVE ALL ILLEGALLY REPORTED DEFAMATORY AND CREDIT REPORTING ON UNVERIFIED ACCOUNT IMMEDIATELY AS THEY FAILED TO DO SO SINCE XXXX. THE BOTTOM LINE THIS CORPORATION HAS BEEN REPORTED TO THE INTERNAL REVENUE SERVICE FOR ILLEGALLY FILING A FALSE 1099-C.

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