vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Following the XXXX breach, I permanently froze my credit at each credit reporting agency and stored the PINs in my password manager for safe keeping. Each time I need a credit check performed, I go through the unfreeze process by providing my PIN and any verification information requested and set a temporary lift on my credit. This process was working perfectly up until about 2 months ago when I attempted to lift my freeze at Experian and they rejected my PIN and requested I mail them my verification documents. I requested my credit report from the 3 bureaus to see if there was any incorrect information that would cause my request to be denied and again all other bureaus honored my request, except Experian. I went ahead and mailed them the requested documents, first on XXXX XXXX, 2019 and when I didn't get a response I sent them again on XXXX XXXX, 2019. I still have not received a response from Experian and I am still locked out of my credit report with them which is preventing me from being able to open a new bank account as the credit union I would like to join only uses Experian for their credit checks. I am not having this issue with XXXX or XXXX at this time, Experian is the only one who claims my information is incorrect and refuses to provide me with the information I need to get this fixed.

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 2019-08-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
ALL 3 CREDIT REPORTING AGENCIES CONTINUE TO REPORT FALSE INCORRECT INFORMATIOM " XXXX   '' XXXX..NEVER HAD ANY BANKRUPTCY

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 2019-08-23 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
ALL 3 CREDIT REPORTING AGENCIES CONTINUE TO REPORT FALSE INCORRECT INFORMATIOM " XXXX   '' XXXX HAD ANY BANKRUPTCY

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 2019-08-23 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: IL

Complaint narrative:
Viewed credit file with Equifax in reference to XXXX Bank XXXX XXXX  ) account showing charged off in the amount of {$4100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: PR

Complaint narrative:
I've lived in P.R all my life, never in the U.S. Since XX/XX/2017 I have received collection notifications from different creditors of the U.S. I already reported to the P.R. Police Department, at XXXX, S.S.A, I even sent documents and called XXXX. They delete the account and within a couple of months another account appears in another U.S. state. I am a XXXX employee and this continues to put my job at risk, because of the background they make me. I NEED TO RESOLVE THIS. I also called today at XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Credit reporting agencies have different varieties of name thats not myn, bills that have been paid off by insurance providers are being listed as collections. Social security number was leaked during s security breach. Account inquiries are not myn posted as myn. XXXX refuses to give a copy of credit report even though its been verified as myself hence unable to determine how much breach has effected my credit score. Even though you disputed thing that are not your Transunion still report as yours and wont allow you to change it. Even after notification that you were effect because of security breach.

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 2019-08-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I tried to make multiple payments through XXXX XXXX XXXX   payment system. My payments never made it to my bank but they say the payments were returned. XXXX   XXXX marked my account 30 days late. I spoke to five different representatives and they all were unhelpful. XXXX XXXXXXXX has had issues in the past accepting ACH payments. This company has failed in customer service as well as failing to update account information.

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 2019-08-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I received a second credit card from XXXX Bank. Upon receiving the card I filed it away. Several months later, I received an e-mail from XXXX XXXX XXXX which I subscribe to alerting me that a 60 day late was reported to my credit report. Upon investigating this I discover it was fees being charged on the new XXXX card which was never used. I then called XXXX and I was told the card was issued paperless billing and I never received an e-mail from XXXX which they acknowledged and I was credited back late fees. I have attached a copy of the recent statement which displays the credit. 

I then asked XXXX to removed the 60 day late since it hurt my credit rating. They told me their was nothing they could do and I would have to file disputed with the three bureaus. I began with XXXX since I have an account with them. I could barely understand the person I talked to. I then went to TransUnion and XXXX  websites which turned out to be traps to join their service before I could submit a dispute. 

I then called XXXX back and it was clear the person I was speaking to winance.

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 2019-08-23 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: CT

Complaint narrative:
I received a second credit card from XXXX Bank. Upon receiving the card I filed it away. Several months later, I received an e-mail from XXXX XXXX XXXX which I subscribe to alerting me that a 60 day late was reported to my credit report. Upon investigating this I discover it was fees being charged on the new XXXX card which was never used. I then called XXXX and I was told the card was issued paperless billing and I never received an e-mail from XXXX which they acknowledged and I was credited back late fees. I have attached a copy of the recent statement which displays the credit. 

I then asked XXXX to removed the 60 day late since it hurt my credit rating. They told me their was nothing they could do and I would have to file disputed with the three bureaus. I began with XXXX  since I have an account with them. I could barely understand the person I talked to. I then went to XXXX and Equifax websites which turned out to be traps to join their service before I could submit a dispute. 

I then called XXXX back and it was clear the person I was speaking to winance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 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 — Their investigation did not fix an error on your report
Company: Kriya Capital, LLC
State: UT

Complaint narrative:
CRM has notified me that they reported a fraudulent debt in my former married name from an account opened fraudulent by my ex husband from 2010. They have reported this fraudulent debt to XXXX  without any notification or correspondence. I contacted them today and XXXX a representative tried to offer me settlement on a fraudulent account. I made him aware this was fraud and I would fax the police report information to him. And he still continued to offer a settlement on a fraudulent account. I made him aware I would be filing another CFPB complaint for these willful actions. These are major violations including reporting a re-aged fraudulent DEBT opened back in 2010. 

They can retrieve the police report directly from the XXXX XXXX police department.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Syncb- Inquiry from XXXX XXXX, 2018 - XXXX XXXX XXXX XXXX XXXX Fl XXXX This is from my XXXX   XXXX and I do not recognize this hard inquiry 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 2019-08-23 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: SC

Complaint narrative:
Equifax continues to report an account that opened by someone who stole my identity. It was deleted from the other bureaus quickly. Not only is Equifax violating the FCRA and FDCPA they continue to verify the account without proof as requested by me the consumer. I refuse to take their word for it. This company has been breached several times and my information was compromised every time. My confidence is low when it comes to Equifax and I'm beyond frustrated with trying to rectify a simple issue of an account being removed that is unverifiable. XXXX # XXXX is not my account and can not be legally verified as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
On XX/XX/XXXX, I called Citibank for fill disputes ( 10 ) ( 1 ) XXXX/19 {$1200.00} ( 2 ) XXXX/19 {$3300.00} ( 3 ) XXXX/19   {$3300.00} ( 4 ) XXXX19 {$4500.00} ( 5 ) XXXX/19 {$550.00} ( 6 ) XXXX/19 {$5000.00} ( 7 ) XXXX/19 {$2700.00} ( 8 ) XXXX/19 {$5000.00} ( 9 ) XXXX/19 {$3300.00} ( 10 ) XXXX/19 {$1600.00} totals : {$30000.00}

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 2019-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Credit reporting agencies have different varieties of name thats not myn, bills that have been paid off by insurance providers are being listed as collections. Social security number was leaked during s security breach. Account inquiries are not myn posted as myn. Equifax refuses to give a copy of credit report even though its been verified as myself hence unable to determine how much breach has effected my credit score. Even though you disputed thing that are not your XXXX still report as yours and wont allow you to change it. Even after notification that you were effect because of security breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Credit reporting agencies have different varieties of name thats not myn, bills that have been paid off by insurance providers are being listed as collections. Social security number was leaked during s security breach. Account inquiries are not myn posted as myn. XXXX   refuses to give a copy of credit report even though its been verified as myself hence unable to determine how much breach has effected my credit score. Even though you disputed thing that are not your XXXX still report as yours and wont allow you to change it. Even after notification that you were effect because of security breach.

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 2019-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I was searching case search and came across an open case for me from CAPITAL ONE BANK. I read the notes in the case stating that I was served on XXXX/2018 at an address that is vacant. No one is living in that house therefore no one could have signed for any mail delivered to that address. I had no clue about the open case until today.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 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: GA

Complaint narrative:
I have tried on several occasions to have a dispute submitted in regards to being a victim of Identity theft. However, Experian has constantly been non responsive to my efforts which is a direct violation of the fair credit reporting act, sect. 605b. I have been gravely displaced by this non action.

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 2019-08-23 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 — Their investigation did not fix an error on your report
Company: ERC
State: TX

Complaint narrative:
Enhanced Recovery inserted a derogatory entry on my credit report without providing a dunning letter or any correspondence on the alleged debt that would have informed me that they were attempting to collect on the alleged debt. To that end, when I retrieved a copy of my credit report in XXXX, XXXX and XXXX 2019, I noticed this inaccuracy and immediately sent a letter to the credit bureaus followed by Enhanced Recovery. 

I specifically requested that they provide : An agreement that states your authority to collect on this alleged debt ; Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor Alleged account number Date this alleged debt became payable Original delinquency date Verification that this debt was assigned or sold to collector Complete accounting of alleged debt Name and address of the bonding agent for collection agency in case legal action becomes necessary. To date, I have yet to receive any correspondence from them. My certified receipts reflect that they received my dispute in XXXX and XXXX of this year. They did not provide any documents that bore my signature nor did they provide the original deliquency date nor a complete accounting of the alleged debt. 

The first violation is that ERC inserted this unverifiable, inaccurate entry on my report without providing me the any time to dispute the validity of their alleged debt and second, they did not cease reporting of this entry with the credit bureaus after they were in receipt of my dispute. These are direct and blatant FDCPA violations. ERC must immediately delete this erroneous entry from all of my credit reports. 

If they indeed are alleging that I owe them for a XXXX bill, why then did they not provide the original terms of agreement as well as any other updated conditions and terms of agreement? Why did they not provide a copy of the ledger to reflect any payments to them? Why did they not provide copies of correspondence they have sent? Why did they not provide any documentation to substantiate the alleged {$260.00}? This number is arbitrary and lacks veracity. Enhanced Recovery is refusing to respond to my requests, yet they continue to report this inaccurate, unverifiable entry. Delete this entry immediately and provide me a copy of the correspondence sent to the bureaus to direct them to remove this erroneous entry.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I had a Wells Fargo Credit card and on XX/XX/XXXX I awoke to an e-mail stating that Wells Fargo had rush requested my card be sent to XXXX XXXX XXXX XXXX XXXX I live in Florida - have my mortgage on my house with Wells Fargo in Florida the last purchase I made with this credit card was for a hotel in Florida and they still rush requested my card to TEXAS! 

Not only did they do this but when I called to inquire how in the heck this could happen the account representative told me about charges from XXXX and XXXX 's that were flagged as fraud. They were in fact fraud but I didn't get a notification or anything and even though they were flagged and we discussed this on the call they STILL allowed these charges to be put on my card! 

So, I had to call again and again and they closed that card and moved the balances over to a new card INCLUDING the fraud charges! I had spent hours trying to reconcile what they had done to no avail but they finally got the balance somewhere close to the actual amount owed. Although they made absolutely no concession for the hours and hours of my time that they wasted for their fraud. The circumstances of the situation are such that Wells Fargo is complicit by their gross negligence if not directly but I believe it had to be more direct, insider fraud. 

So, the account was closed a new onXXXX opened but I kept the new card off and did not activate it. Then on XX/XX/XXXX I awoke to another e-mail from Wells Fargo telling me that despite all of this activity identifying fraud on my card and all of my pleas for their help in preventing further damage they had shipped my card AGAIN to Texas : XXXX XXXX XXXX XXXX XXXX This could not have been done by someone calling in AGAIN after all the activity on my account and just saying send the card and an actual person at Wells Fargo so XXXX that they just did this. There must be more complexity to this fraud that is system related and that Wells Fargo is refusing to disclose. A colleague of mind XXXX found out her credit card was shipped to New York without her permission or knowledge after she heard my story and checked her account. 

I closed the account but I have no faith that XXXX can keep it closed and free from fraud so someone needs to step in and hold them accountable.

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 2019-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
A few months ago I learned that I had negative marks on my credit history report. Trying to take actions to resolve these issues I discovered that I have an amount on a internet service with XXXX that wasnt paid. I do not deny this account. However when calling the collection agency to try to pay on this amount they have informed me that I have another amount with the same company. An apparent account was opened only a few months after my original service was discontinued due to non payment. I did not open this account and do not understand why XXXX would even let anyone open an account in my name when my own service was just discontinued bc I owed them money. I have been getting the run around from this collection agency. I paid part of the amount that I did owe XXXX and they have not reported that. Upon checking my credit history it says that I have paid XXXX amount and still owe the full balance. They told me on the phone they will continue to report to anyone checking my credit that I owe the whole sum and have not made any payments until the whole amount is paid in full. I just really feel like I am being bullied by them bc I refused to pay for an account that I did not open with windstream.

Company response to consumer: Closed with explanation