vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-10 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: NV

Complaint narrative:
These are not my accounts, and I don't recognize a couple of names listed. Additionally, I did not authorize these companies to run 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 2020-05-10 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: NV

Complaint narrative:
These are not my accounts, and I don't recognize a couple of names listed. Additionally, I did not authorize these companies to run 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 2020-05-10 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: NV

Complaint narrative:
These are not my accounts, and I don't recognize a couple of names listed. Additionally, I did not authorize these companies to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 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: Navient Solutions, LLC.
State: VA

Complaint narrative:
XX/XX/XXXX Navient went into my account and fraudulently changed my positive account to negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
I have to credit agencies trying to collect on the same old medical debt, debt that should have been covered by either XXXX XXXX XXXX XXXX, XXXX, or Financial Aid. 

I have verified that XXXX XXXX XXXX XXXX has a right to the debt but for 5 years every 3 months they remove the debt from my credit and then open new accounts and report it as new ( most recently as XX/XX/XXXX ) - every time I make progress repairing my life after being XXXX  they tank my progress anywhere from 50-100 points. 

Phoenix Financial is trying to fraudulently collect the exact same debt and I have verified with the hospital that the have no right to the debt. 

I have been writing the credit bureas and collection agencies by certified mail for 3 years, As soon as I win a dispute and everything is removed then they once again report it again as new and I have to start the process over. I have sent in the actual dates of service provided directly from XXXX XXXX XXXX XXXX showing incorrect date and repetitive reporting of the same debt but again if they remove if they put it back on and once again tank my progress. 

I have not made a single lat payment on since XXXX - and nothing that I should be repsonsible has gone unpaid, however, because of this cycle none of that is helping me. 

On XX/XX/XXXX I was XXXX  and almost XXXX, without getting the assistance I was promised, I ended up homeless and almost died  10 months later of XXXX. It took all that to get help. Some how 95 % was covered and paid through the coverage I qualified for, but some slipped through the cracks. I had to restart my entire life after losing everything and I should not still be paying for the mistakes of others that directly relate to an XXXX XXXX, I was forced to start over at XXXX years old and I don't have the money to fight this process or hire and expensive lawyer but I also should be punished continually, fraudulently and illegally for people that want to inaccurately and repetitively report items against you falsely.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX DOB : XX/XX/XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX Enclosures Identity Theft Report Proof of identity : Copy of Credit Report Fair Credit Reporting Act Section 605B

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
My credit account had been closed in XX/XX/XXXX, but I did not realize this until XX/XX/XXXX when the account appeared as closed on review of my credit report. I was deceived into believing the account was in a status of repair in XXXX of XXXX, when I agreed to terms for an account reset through my Chase Freedom App. I was given two options : close the account and accept a greatly reduced interest rate, or make 3 installment payments of {$170.00} to renew standing. I believed that I could pay all that I could toward this account and be able to help vs. hurt my credit. I paid {$300.00} in XX/XX/XXXX, {$300.00} in XX/XX/XXXX, then {$1700.00} XX/XX/XXXX. After this payment, I checked my report and saw the closed account status posted for XX/XX/XXXX. I contacted Chase, who verified that there was an account reset but stated it was null as the account was closed in XX/XX/XXXX. Not only was this deceptive in misleading me in regards to my account status, it allowed me to accrue additional interest at 22.99 % vs.opting for a reduced interest rate on a closed account. I had requested reduced fees due to interest as a result of being offered terms that were unfounded within their own policy, and was denied.I requested account re-opening as I had accepted and met the terms of the app agreement, and was denied. As the representative I was talking to had visibility to the account reset and terms, I asked for documentation to be provided to me and was denied. No record of terms appeared on my statement or within my documents and notifications. Clearly if they knew my account was in closed status, they had the ability to not offer false terms through my Chase application.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want credit bureau to include my statement on the report. 

This is my statement : I, XXXX XXXX under oath and penalty of perjury declare that I am a victim of a financial crime. The information about the outstanding balance, late payments and charge offs, though correct is NOT due to my negligence or abuse of credit. All of it is due to cumulative effect of the financial crime against me. I have been and will continue to pursue all legal venues to fight this injustice against me with state, local and federal law enforcement agencies and courts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want credit bureau to include my statement on the report. 

This is my statement : I, XXXX XXXX under oath and penalty of perjury declare that I am a victim of a financial crime. The information about the outstanding balance, late payments and charge offs, though correct is NOT due to my negligence or abuse of credit. All of it is due to cumulative effect of the financial crime against me. I have been and will continue to pursue all legal venues to fight this injustice against me with state, local and federal law enforcement agencies and courts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want credit bureau to include my statement on the report. 

This is my statement : I, XXXX XXXX under oath and penalty of perjury declare that I am a victim of a financial crime. The information about the outstanding balance, late payments and charge offs, though correct is NOT due to my negligence or abuse of credit. All of it is due to cumulative effect of the financial crime against me. I have been and will continue to pursue all legal venues to fight this injustice against me with state, local and federal law enforcement agencies and courts.

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 2020-05-10 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XX/XX/XXXX XXXX went into my account and fraudulently changed my positive account to negative.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 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: DE

Complaint narrative:
Following collection companies has a collection account since XXXX. I don't recall opening account. I'm trying to buy house and they are effecting my credit report. 

Account NameMACYS/DSNB Account NumberXXXX  Account TypeCharge Card ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusAccount charged off. {$380.00} written off. {$380.00} past due as of XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 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: VA

Complaint narrative:
Equifax failed to delete the errors on my credit report. Delete all negative errors on my credit report and the inquiries According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. I gave them over 120 days per Pandemic Crisis.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 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: NV

Complaint narrative:
These are not my accounts, nor did I authorize these companies to pull my credit. There are names on my credit profile in which I do not recognize.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: K A P S & CO (USA) LLC
State: MO

Complaint narrative:
THe original creditor is XXXX XXXX XXXX XXXX XXXX, a card was set up in my name by someone else, it was turned over to XXXX XXXX XXXX, I disputed it with the creditor and XXXX, they confirmed it was fraud, removed the balance owed and took it off my credit report, now it is with a new collection agency and is back on my credit. The original creditor, who I am a current customer with in excellent standing, says they show the prior balance was removed. They told me to contact XXXX who apparently sold it to KAPS, XXXX says they notified KAPS of fraud, but KAPS will not remove the debt from my credit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 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: NV

Complaint narrative:
These are not my accounts, nor did I authorize these companies to pull my credit. There are names on my credit profile in which I do not recognize.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 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: NV

Complaint narrative:
These are not my accounts, nor did I authorize these companies to pull my credit. There are names on my credit profile in which I do not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 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: VA

Complaint narrative:
XXXX failed to delete the errors on my credit report. Delete all negative errors on my credit report and the inquiries According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. I gave them over 120 days per Pandemic Crisis.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Delete all negative errors on my credit report and the inquiries According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX the fraud department called me from Capital One and informed me that they were closing my credit cards because of fraudulent activity. There was a payment submitted but it did not clear and at the same time my mom who once was an authorized user was attempting to use the card. I did not know but the young lady went on to speak with me very un constructively. I was a card owner since XXXX. I was not asking for them to accept fraud but I needed a better understanding as to why they were closing both cards due to a misunderstanding. Now my argument is not stay it is for clarity and non was ever given. My credit history is now gone with a company, I was with since XXXX. I only had 3 late payments from XXXX, and the other card was closed and it had nothing to do with the original call for the other card. 

I mailed a detailed letter to Capital One regarding my issue and experience and no one has called or responded back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Delete all negative errors on my credit report and the inquiries According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Delete all negative errors on my credit report and the inquiries According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: DE

Complaint narrative:
Following collection company has a collection account since XXXX. I don't recall opening account. I'm trying to buy house and they are effecting my credit report. 

Account NameNORDSTROM/TD BANK USA Account NumberXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusAccount charged off. {$550.00} written off. {$550.00} past due as of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 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: NY

Complaint narrative:
Dear Equifax This is a formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the data furnisher, where their organization has made inquiries into my credit history, to have these illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed. 

XXXX ( XX/XX/XXXX ) NA illegal inquiry removed immediately from my report XXXX  ( XX/XX/XXXX ) N/A illegal inquiry removed immediately from my report XXXX ( XX/XX/XXXX ) N/A illegal inquiry removed immediately from my report XXXX XXXX ( XX/XX/XXXX ) N/A illegal inquiry removed immediately from my report Ive disputed these inquiries on ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ) yet you verified them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 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: CORELOGIC INC
State: MD

Complaint narrative:
I have received several notifications about for a hard inquiries on my credit report which to the best of my knowledge was not initiated by me. I did however contact these companies to resolve this issue and also filed a report for investigation with the credit bureaus but this has gone unsolved. The hard inquiries are still on my credit profile and has made my score go down greatly and I still haven't been heard. Both XXXX and XXXX are reporting inquiries on my file differently.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: DE

Complaint narrative:
Following collection company has a collection account since XXXX. I don't recall opening account. I'm trying to buy house and they are effecting my credit report. 

Account NameJEFFERSON CAPITAL SYSTEMS Account NumberXXXX Account TypeDebt Buyer ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusCollection account. {$540.00} past due as of XX/XX/XXXX.

Company response to consumer: Closed with explanation