vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX  ; XXXX  and Transunion should not be reporting a collection/chargeoff in the amount of {$250.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full and needs to be removed from my credit report. I have attached a copy of the letter from XXXX XXXX XXXX dated XXXX for reference. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I  have contacted the bureaus to remove this however, I have not been successful.

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 2020-09-10 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: CA

Complaint narrative:
XXXX  ; Experian  and XXXX  should not be reporting a collection/chargeoff in the amount of {$250.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full and needs to be removed from my credit report. I have attached a copy of the letter from XXXX XXXX XXXX dated XXXX for reference. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-09-10 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax ; XXXX  and XXXX  should not be reporting a collection/chargeoff in the amount of {$130.00} on the XXXX XXXX XXXXXXXX   partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full and needs to be removed from my credit report. I have attached a copy of the letter from XXXX XXXX XXXX dated XXXX for reference. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Miller and Steeno, P.C.
State: IL

Complaint narrative:
Miller and steno based in XXXX XXXX Missouri have been actively taking any debt with my or my wifes name, They have sued us and garnished our wages over a case, from 2017 never sent us a notice of debt being paid off and now are trying to collect the same debt alleging it was never paid, My wife works for a company that keeps records of her paycheck stubs, they were hoping we forgot and are trying to take close to XXXX more from us for a debt that has already paid. They were at one point calling us threatening that our credit scores would be harmed if we did not pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/20 I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. On XX/XX/20 your agency sent a letter stating that you had completed your investigation and the items were not deleted, as requested. This concerns me as I do not understand how you arrived at this conclusion since this information is indeed incorrect.This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on ( date/identification of the dispute ). To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within 15 days or delete the negative items, as originally requested. Here are the items that you continue to report illegally. 

XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX Please note that I am taking this matter very seriously and demand that you follow the law, in its entirety, and send me detailed information of how you arrived at your conclusion, or else remove these items immediately. 

Thank you

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 2020-09-10 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: GA

Complaint narrative:
ALL 3 CREDIT AGENCIES VIOLATED MEDICAL PRIVACY ACT " HIPAA '' REPORTING FRAUD MEDICAL ACCOUNTS, OUTDATE AND NEVER DONE BUSINESS WITH MEDICAL PROVIDER, NOT MY ACCOUNTS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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: GA

Complaint narrative:
ALL 3 CREDIT AGENCIES VIOLATED MEDICAL PRIVACY ACT " HIPAA '' REPORTING FRAUD MEDICAL ACCOUNTS, OUTDATE AND NEVER DONE BUSINESS WITH MEDICAL PROVIDER, NOT MY ACCOUNTS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
convergent is trying to collect on a debt that was charged off >7 years ago.

This debt was satisfied with the original debtor more than 7 years ago. 

XXXX XXXX XXXX is sending mail regarding a debt that was charged off and satisfied. It has been more than 7 years. 
XXXX XXXX XXXX and was charged off

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 2020-09-10 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: FL

Complaint narrative:
Fraudulent accounts were opened using my identity. These accounts are having an adverse effect on my credit files. XXXX, Equifax, and XXXX are reporting accounts that are not mine and are allowing these collection agencies report false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Today XX/XX/2020 I received notice from cfpb that the company reponded and to provide feedback on there response. I had submitted a complaint about XXXX XXXX XXXX XXXX removing 4 positive in good standing/paid loans off my credit reports. I received a letter last month from XXXX XXXX XXXX XXXX XXXX that they will delete the delinquent loan ( which was outdated and incorrect anyway ) off my credit reports and re-instate the 4 positive loans ( satisfied ) back onto the credit reports. They still have not put these 4 satisfactory loans back onto my credit reports. They did delete the one showing delinquent but not the postive ones. This is affecting my credit score.  The letter from XXXX XXXX was advising me they would take care of 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 2020-09-10 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Today XX/XX/2020 I received notice from cfpb that the company reponded and to provide feedback on there response. I had submitted a complaint about XXXX XXXX XXXX XXXX removing 4 positive in good standing/paid loans off my credit reports. I received a letter last month from XXXX XXXX XXXX XXXX XXXX that they will delete the delinquent loan ( which was outdated and incorrect anyway ) off my credit reports and re-instate the 4 positive loans ( satisfied ) back onto the credit reports. They still have not put these 4 satisfactory loans back onto my credit reports. They did delete the one showing delinquent but not the postive ones. This is affecting my credit score. The letter from XXXX XXXX was advising me they would take care of 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 2020-09-10 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: TN

Complaint narrative:
XXXX XXXX XXXX, TransUnion and XXXX are in violation of FCRA 623 ( a ) ( 6 ) ( B ) which states " If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency ''. As of XX/XX/2020 this trade line still appears on my TransUnion and XXXX   credit reports when I have on multiple occasions disputed this trade line as being opened without my knowledge or consent. On XX/XX/2020 I sent the attached letter to XXXX XXXX XXXX at the address specified by a XXXX XXXX XXXX XXXX representative on XX/XX/2020 at XXXX XXXX to reiterate this along with the attached FTC affidavit via certified mail. Also attached is certified mail tracking information which shows the letter was received on XX/XX/2020 at XXXX XXXX. I subsequently called XXXX XXXX XXXX XXXX on XX/XX/2020 to verify receipt which the representative confirmed. Per my rights under the FCRA I am considering the possibility of litigating this matter if not properly resolved. A XXXX search of XXXX   complaints for XXXX XXXX shows I am not the only person that has experienced extreme difficulties in XXXX XXXX XXXX XXXX and their credit reporting practices and this seems to be a pattern and part of a strategy to purposely report incorrect information to the credit bureaus. XXXX XXXX XXXXXXXX

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 2020-09-10 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: Total Card, Inc.
State: TN

Complaint narrative:
Total/XXXX XXXX XXXX, XXXX and XXXX are in violation of FCRA 623 ( a ) ( 6 ) ( B ) which states " If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency ''. As of XX/XX/2020 this trade line still appears on my XXXX and XXXX credit reports when I have on multiple occasions disputed this trade line as being opened without my knowledge or consent. On XX/XX/2020 I sent the attached letter to Total Card inc. at the address specified by a Total Card/XXXX XXXX XXXX representative on XX/XX/2020 at XXXX XXXX  to reiterate this along with the attached FTC affidavit via certified mail. Also attached is certified mail tracking information which shows the letter was received on XX/XX/2020 at XXXX XXXX. I subsequently called Total Card/XXXX XXXX XXXX on XX/XX/2020 to verify receipt which the representative confirmed. Per my rights under the FCRA I am considering the possibility of litigating this matter if not properly resolved. A XXXX search of XXXX   complaints for Total Card shows I am not the only person that has experienced extreme difficulties in Total Card/XXXX XXXX XXXX and their credit reporting practices and this seems to be a pattern and part of a strategy to purposely report incorrect information to the credit bureaus. XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX and Transunion should not be reporting a collection/chargeoff in the amount of {$130.00} on the XXXX XXXX XXXX   partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full and needs to be removed from my credit report. I have attached a copy of the letter from XXXX XXXX XXXX dated XXXX for reference. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been  successful.

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 2020-09-10 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX ; Experian and XXXX should not be reporting a collection/chargeoff in the amount of {$130.00} on the XXXX XXXX XXXX   partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full and needs to be removed from my credit report. I have attached a copy of the letter from XXXX XXXX XXXX dated XXXX for reference. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I  have contacted the bureaus to remove this however, I have not been successful.

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 2020-09-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$950.00} Creditor is charging a debt in which as a veteran I do not owe. All medical payments should be submitted to the Veteran Affairs XXXX facility nearest to the hospital of visit for payment. All document and information was provided to the medical facility. The medical facility failed to seek payment from the Veteran Affairs as instructed. This debt is not mine and I request the collection be REMOVED entirely from all 3 credit bureaus.

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 2020-09-10 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: GA

Complaint narrative:
XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$950.00} Creditor is charging a debt in which as a veteran I do not owe. All medical payments should be submitted to the Veteran Affairs XXXX facility nearest to the hospital of visit for payment. All document and information was provided to the medical facility. The medical facility failed to seek payment from the Veteran Affairs as instructed. This debt is not mine and I request the collection be REMOVED entirely from all 3 credit bureaus.

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 2020-09-10 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: FL

Complaint narrative:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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: FL

Complaint narrative:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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 2020-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
A month after covids happens, Citi decided to lower my credit limit to the current balance amount. The problem that happened with that is that it made it show as 100 % utilization which affected my entire credit score to lower it by a whopping 70 points. Nothing else changed and in fact I  just payed off XXXX in revolving debt just the month prior. So the fact that they cut that limit was the only contributing factor to the credit drop as nothing else changed. It's my highest use card now. I payed off the entire XXXX now and even a month later it still showing up on XXXX   ( see one of the pictures attached ), but that lower limit hit almost the next day on credit reports. I attached my credit unions score which is higher than XXXX XXXX at XXXX. I'm in the best finical position I've been in years and yet the lowest credit score wise. I think Citi did this on purpose to push me over but I stopped using credit. I also missed out on a XXXX consolidation loan ( would have been easy with my XXXX I had months prior ) with XXXX income base plus another XXXX in bonus on top. 

I was declined, I think they should be held liable for all the interest they charged me and what else they stopped me from saving or investing. 

Citibank I think purposefully targeted people to go over their limit and make their credit score drop like a rock. There was no notice of the credit limit decrease, only after it happened. I'm lucky, I used credit but I have 6 months of payments covered ( and life ) because I got lucky and all credit use was non structural and frivolous events. So I just stopped using in then payed it off. This is so criminal that I have no idea how many people they got in this scheme in the last 6 months.

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 2020-09-10 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: FL

Complaint narrative:
Fraudulent accounts were opened using my identity. These accounts are having an adverse effect on my credit files. XXXX XXXX, and TransUnion are reporting accounts that are not mine and are allowing these collection agencies report false 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