vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-04 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: SC

Complaint narrative:
I have sent both XXXX/Equifax a method of verification letter requesting that information as of XX/XX/2018 and havent yet to receive that information although they state that the accounts reported on my credit report were verified. Its my understanding that according to the Fair Credit Reporting Act, 15 U.S.C 1681 Section 609 ( a ) ( 1 ) ( A ) they are required by federal law to verify through physical verification of the original signed consumer contract any and all accounts reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04 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: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
Kia motor finance Corp is reporting a balance of {$2700.00} from a lease I returned in XXXX of this year. The dealer paid in full this amount. On my credit reports it is still reporting that I have this open balance there is another amount of {$4800.00} from Kia as well showing on my reports. Ive had 3 leases with Kia and the only current correct one is may of 2019 for {$21000.00} having 3 Kia accounts reporting balances increases my debt which is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04 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:
I have disputed these two accounts with XXXX to no avail. They are in violation of the FCRA. They refuse to investigate accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04 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: IL

Complaint narrative:
To whom it may concern I see where I tried to purchase a car and the dealership ran my credit and i have negative items on my credit report. I never enter anyone hospital and i not sick i am a young healthy Man and someone use my identity to receive medical care at the hospital or doctor. this fraud.

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 2019-08-04 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting a balance of {$2700.00} from a lease I returned in XX/XX/XXXXof this year. The dealer paid in full this amount. On my credit reports it is still reporting that I have this open balance there is another amount of {$4800.00} from XXXX as well showing on my reports. Ive had 3 leases with XXXX and the only current correct one is XX/XX/2019for {$21000.00} having 3 XXXX accounts reporting balances increases my debt which is wrong.

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 2019-08-04 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting a balance of {$2700.00} from a lease I returned in XXXX of this year. The dealer paid in full this amount. On my credit reports it is still reporting that I have this open balance there is another amount of {$4800.00} from XXXX as well showing on my reports. Ive had 3 leases with XXXX and the only current correct one is XXXX of 2019 for {$21000.00} having 3 XXXX accounts reporting balances increases my debt which is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
On XX/XX/XXXX I sent a letter to Equifax about a unauthorized credit account on my credit report. I asked them to remove it from my credit report. XXXX XXXX XXXX I received a letter from Equifax stating they could not identify me. I just moved from my old house and now staying with a family member due to hardship. I do not stay at the old address which is XXXX XXXX XXXX I don't know what to do but to send this issue to you. I attached my driver license, my cable bill, recent pay stub and my w2 to prove I am who I say I am. Please help me to get this unauthorized credit card off my credit. Its XXXX XXXX XXXX account reporting on my Equifax that's not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
To whom it may concern I see where I tried to purchase a car and the dealership ran my credit and i have negative items on my credit report. I never enter anyone hospital and i not sick i am a young healthy Man and someone use my identity to receive medical care at the hospital or doctor. this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04 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: TRANSWORLD SYSTEMS INC
State: AK

Complaint narrative:
Upon inspection of my credit report, I found charges adding up to {$600.00} abouts. XXXX XXXX Idaho, aka TransWorld Systems, is also reporting that I owe them. Problem with that is I have tried reaching out for them to fix their mistake as my service kept getting cut off. They say it's withing guidelines of me oweing them. XXXX is who should be taking care of that not me. I had XXXX service but stopped when was security breeches on my account four times at least.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
I completed the terms for the sign up bonus on my American Express Delta Skymiles gold card on XX/XX/2019. I still haven't receive my sign-up bonus yet. Every time I contact customer service, they tell me that it's under investigation and tell me to wait longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivable Solutions, Inc.
State: NC

Complaint narrative:
I received a letter in the mail on XX/XX/2019 from Receivable Solutions , Inc. stating that I owe an amount of {$3100.00}. In that letter it stated that the debt is assumed valid by the collector unless I dispute it within 30 days of receiving the letter. On XX/XX/2019, I wrote and sent a validation of debt letter to them. In that letter I asked them provide me with competent evidence that I have any legal obligation to pay them and to provide me with the following : 1. An explanation of what the amount owed is for and how it was incurred.

2. An explanation of how this amount was calculated.

3. Copies of any documents that show I agreed to pay this amount.

4. A verification or copy of any judgment if applicable.

5. An identification of the original creditor.

6. Proof that the Statute of Limitations has not expired on the account.

7. Proof that you are licensed to collect in my state.

8. Provide me your license numbers and Registered Agent documentation. 

I also stated in the letter if their offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. I sent the certified letter so I saw when they received it and I never received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04 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: NV

Complaint narrative:
I have attempted countless times to correct misinformation on my credit files with XXXX, XXXX  and Transunion. I have used all their apps, websites and have mailed certified mail with no response. In some situations the information is so incorrect I am unable to complete a dispute because I can not verify my identity with their programs. My name, date of birth, social security number, previous addresses, employers and derogatory accounts are all incorrect with too many errors to reiterate. They have cut me off from further disputes and NOT investigated my claims. I know there is absolutely zero evidence of many derogatory marks. It is effecting my credit ratings, interest rates and approvals. I have over 22 inquiries on one report because I can not open accounts because of this ; so I must try many companies to get minor limit, high interest accounts and I can not overcome the damage they refuse to address. I have been working for almost two years on this I have gained little ground.

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 2019-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I went to transunion 's website to get my free credit report and to get informaiton on how to start a dispute. 

During the signup process they request credit card number under the guise of verifying your identity and then without proper notification they signed me up for {$24.00} credit monitoring service. I did not receive any notification or had any indication that I was signing up for anything. 

Afterwards, I signed back in and found a link to cancel, however when you click " Yes cancel '' it loges you out of the site and forwards you to the sign in page. 

Transunion is fraudulently signing up consumers who are attempting to start a dispute or view credit report and then making it as difficult as possible to cancel the service. Since their website is rigged to make it impossible to cancel. 
Once the service is cancelled they still hold on to your {$24.00} until you call them to request a refund or dispute the charge with your bank. 
I'm sure a lot of the consumers will give up and let them keep it. 

Please hold Transunion accountable for this fraud and consumer 's unnecessary waste of time.

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 monetary relief
Consumer complaint received 2019-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I discovered all XXXX and Equifax were reporting I filed bankruptcy in 2015 after applying for a car loan. I spoke with XXXX, and the agent check my address and driver license did not match and removed the incorrect information. However Equifax did not remove or properly investigated the issue. Equifax would have discover the information was incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04 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: NV

Complaint narrative:
I have attempted countless times to correct misinformation on my credit files with Equifax, XXXX  and XXXX. I have used all their apps, websites and have mailed certified mail with no response. In some situations the information is so incorrect I am unable to complete a dispute because I can not verify my identity with their programs. My name, date of birth, social security number, previous addresses, employers and derogatory accounts are all incorrect with too many errors to reiterate. They have cut me off from further disputes and NOT investigated my claims. I know there is absolutely zero evidence of many derogatory marks. It is effecting my credit ratings, interest rates and approvals. I have over 22 inquiries on one report because I can not open accounts because of this ; so I must try many companies to get minor limit, high interest accounts and I can not overcome the damage they refuse to address. I have been working for almost two years on this I have gained little ground.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04 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: NV

Complaint narrative:
I have attempted countless times to correct misinformation on my credit files with XXXX, Experian and XXXX. I have used all their apps, websites and have mailed certified mail with no response. In some situations the information is so incorrect I am unable to complete a dispute because I can not verify my identity with their programs. My name, date of birth, social security number, previous addresses, employers and derogatory accounts are all incorrect with too many errors to reiterate. They have cut me off from further disputes and NOT investigated my claims. I know there is absolutely zero evidence of many derogatory marks. It is effecting my credit ratings, interest rates and approvals. I have over 22 inquiries on one report because I can not open accounts because of this ; so I must try many companies to get minor limit, high interest accounts and I can not overcome the damage they refuse to address. I have been working for almost two years on this I have gained little ground.

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 2019-08-04 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Lending Services Inc.
State: CA

Complaint narrative:
CREDITOR XXXX XXXX XXXX # XXXX start date XX/XX/XXXX balance XXXX. 
orginal creditor : credit lending services start date XX/XX/XXXX orginal blance XXXX, acount removed XX/XX/XXXX DISPUTE i was never informed properly that my orginal creditor the dealership XXXX XXXX XXXX XXXX   sold my account, nor was it told to the insurance company or to the dmv. 
it was a fraudulent overturn of the account from the dealer to the 1st creditor then to the creditor inquesition. 

COMMENTS i have included 2 links of a claim from my insurance on the car that was a dated from XX/XX/XXXX for the amount of XXXX check number XXXX in to pay to the order of it clearly states XXXX XXXX XXXX & XXXX XXXX XXXX XXXX. 
Also my sales contract states that XXXX XXXX XXXX XXXX is the financer. 
Not Credit lending services Please copy and paste : XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX Now in XX/XX/XXXX I had provided XXXX  with the claim above and they deleted the account off my record so XXXX went forth and decided to add it to my other reports and it hurt my scores hard XXXX   removed it but it didn't go back up except by 1 point and XXXX hasn't even gotten back to me as of now in any way. 

They have officially ruined my scores. 

Thank you and have a great day

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 2019-08-04 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: CREDIT ACCEPTANCE CORPORATION
State: CA

Complaint narrative:
Closed account with credit acceptance corp. still showing up on all 3 credit bureau 's reports. This account has been closed/satisfied for some time now and would like it removed from all reports. Thank you very much.

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 2019-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
XX/XX/XXXX a rental company did a credit check and sent me a copy via email. There were item ( s ) on that report that was 18 years old! From XX/XX/XXXX. I also saw items from over 7 years old. I logged on to websites Equifax and XXXX. I disputed incorrect personal information, but there was no option to have old information removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
I had insurance at the time I had my x-ray done and I should have no out of pocket expense considering I had XXXX XXXX XXXX a branch of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04 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: EQUIFAX, INC.
State: OR

Complaint narrative:
I easily disputed a wrongful account balance with XXXX XXXX. I am having the hardest time reaching an actual person at XXXX  or equifax to have them remove it as well. I always reach an automated system. XXXX XXXX investigated and found the information to be incorrect. I had a car repossessed and the law is the price the bank sold the car for must be taken off the loan amount and I must be notified of this. I was never notified, and the balance was never reduced. They charged off the account and closed it and since it has been closed they have continued to add an additional {$4000.00} to the balance! I was also never notified of any balance I owed  XXXX XXXX XXXX XXXX. I would like XXXX and XXXX to both remove this account as soon as possible as it is very incorrect and its affecting my score very negatively. Once again it has been removed on XXXX  but not the other two CRAs. The online dispute forms ask for an account number and when I received a full report half of the account number was hidden and shown as XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am a XXXX yr old victim of identity theft. i have on file with transunion a id theft affidavit and ftc complaint. Although the fraudulent accounts were cleared. The inquiries still remain and more have come about.Also transunion had a server error where a ton of inquiries were deleted from customers reports and added back on.Only one thing. They failed to do the procedure lawfully. Lease be an intemediary to make sure to delete all the inquiries that should have been deleted. in the first place. I HAVE NOT APPLIED FOR CREDIT IN THE LAST 10 YEARS!! PLEASE DELETE

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 2019-08-04 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: WI

Complaint narrative:
Ive been fighting to rectify fraudulent activity, names, addresses, social security numbers, accounts, returned equipment to XXXX, utility bills and addresses and social security numbers belonging to my ex-husband and his ex-wife snd more since 2013 l. Ive been a victim of XXXX/ Equifaxs breach also. Their websites, phone numbers, etc are all non-functioning for me and thousands of others with the same issues. I can not access or prove my own identity or social security number! I lost my identity and want my life back! They charged my back account for unauthorized up charges for who knows what. Ive spent hours, for years, monies etc. on this. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA

Complaint narrative:
A medical bill is on my credit report from Wakefield in 2017 in the amount of {$900.00} that I did not do.

Company response to consumer: Closed with explanation