vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In XX/XX/XXXX I was the victim of identify thief. Upon pulling my credit report and discovering all list of unauthorized inquires and accounts, I immediately contacted the credit reporting agent to place a freeze on my credit file. On XX/XX/XXXX I sent the reporting agency a certified copy of the identify thief police report, a copy of ID, social security card and a list of the fraudulent items in question. Despite my efforts, the credit reporting agency continues to send letters stating that I must contact each company individually. As a consumer faced with restoring my life after identify thief this is a very disheartening situation. Experian continues to violate my rights under the Fair Credit Reporting Act, by reporting information on my credit report that are fraudulent, inaccurate and not authorized. Due to their reporting negligence, this is ruining my life!

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 2017-04-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I obtained a copy of my credit report and when I attempted to dispute information in the file by way of their website, it was not able to be done. The site required me to mail in my dispute with a fee.

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 2017-04-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have been attempting to get my credit report reviewed but I 've been unsuccessful. I was a victim of identity theft and I 've sent all XXXX credit bureaus my police report. I 've had multiple items removed and reinserted and when I try to dispute ... .in return I get a letter stating that they have previously disputed this matter and the previous status remains the same. I have yet to receive any verification in regards to these debts and I have sent multiple 609 letters with no success. The accounts are to verify that these XXXX companies are reporting correctly XXXX, and late pays with XXXX. With XXXX I had insurance and advised that the insurance paid the balance but then was later informed that they only paid a portion. I was in the military and was XXXX so I was forced to get out of the military which caused me to be unemployed and unable to pay my bills. This is why I utilized the insurance with these XXXX companies which I was later informed that I still had a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I sent a letter to Experian XX/XX/2017 disputing credit report. I recieved a canned letter response that refused to investigate any of the XXXX accounts that I was disputing. The letter stated that I had disputed this items previously. Which is not correct for Experian. My credit score with XXXX is XXXX Experian is reporting XXXX with the difference being what was disputed. If in fact I did it would have been only XXXX items ( XXXX and XXXX ) on the list the others are new. I have evidence that I paid XXXX on time and additionally paid them in full and submitted that information. I have proof that I have been fighting XXXX for inaccurate billing since day 1 the billing was produced. XXXX advised that I had to make a dispute with the credit bureau and they would update. It appears that no one took my notice of dispute seriously nor did they want to investigate and made the decision to dismiss it with a canned letter and false claims which should be against the law they claim they serve and ignoring the Fair Credit Reporting Act. It appears they whoever sent the letter did not want to do the work to send disputes.

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 2017-04-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I disputed XXXX, XXXX, XXXX and XXXX on my report because of inaccurate amounts that I have battled these companies with over a period of time. I settled with XXXX and XXXX because there responded and decided to settle with me. XXXX and XXXX did not respond and it was removed from my report. Next thing that I realized is the collection agency sold my collection to another agency and submitted it again Equifax and XXXX placed these deleted items back on my report and refuse to take them off. I did my part. I have battled with bad credit for most of my life and I have turned this around and have paid off all of my debts. I am asking that this be removed and not sold again. This is not fair to the consumer

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I received a copy of my credit file and enclosed is an account list under XXXX for XXXX which does not belong to me. So I am writing to excercise my right to request verifiable proof of the negative event listed within my credit file. The U.S. Code 1681g-Disclosures to consumers requires CRA 's to disclose the sources of information regarding negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE ACCOUNT : XXXX $ I expect that you will provide verifiable proof as required under 15 U.S. Code 1681g-Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe, I expect this negative event to be removed. Please communicate your intentions in writing. 
Sincerly XXXX Last 4 of SS # XXXX D.O.B

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Someone opened a fraudulent account in my name with XXXX.After filing an identity theft report with the F.T.C. and many phone calls and faxes, disputes and emails XXXX agreed to close the tradeline and have it removed from my C.R 's. I tried disputing this many times with all XXXX major Bureaus and XXXX and XXXX both removed the item however Equifax keeps saying that their SO CALLED investigation concluded that it was mine.These people at Equifax are SO INCOMPETENT it is unbelievable! I faxed, emailed them proof that it 's NOT MINE many times over and I am going to upload a letter from XXXX at the end of this complaint stating that they concluded it was fraud and requested that ALL XXXX BUREAUS ERASE IT FROM MY FILE!!! What kind of investigation does EQUIFAX do if any at all? This claim of them investigating is a blatant lie because obviously if they even made a phone call or read the faxes and emails they would have seen I am telling the truth!! As if it 's not bad enough i was a victim of fraud now I have to deal with these incompetent people at Equifax who seem, no not seem.. ARE making it so much harder for victims of identity theft to clear up their file then they make it for the crooks to ruin it.This is insulting and an Injustice and they have to be looked into because as far as I am concerned they are just as bad as the criminals who used my name to open fraudulent accounts!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian sent me letter in response to dispute about to collection accounts saying that I need to give them proof like a cancelled check, letter of discharge from bankruptcy or letter from the IRS, however I submitted a copy of my letter from the IRS stating that I 've been the victim of identity theft. This was my second dispute, for the first one I was given a letter saying the account was " Verified '' however, they refused to provide any proof. I contacted them to explain to me about verifying the account, they stated they would put a fraud alert on my account and look into it.

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 2017-04-13 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Optimum Outcomes, Inc.
State: NC

Complaint narrative:
Optimum collections agency filed a fraudulent derogatory remark on my credit report with the XXXX credit reporting agency. XXXX XXXX Hospital, XXXX County, NC, neglected to enter the appropriate data into their database.. The emergency room debt, {$30.00}, was paid in full by husband 's XXXX XXXX veteran medical insurance policy that includes family too. The XXXX XXXX Hospital and XXXX XXXX hashed it out and the debt was resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was told that this account was to remain on my account because of an address that was associated to this account. XXXX Ca XXXX. I have never lived at this address. This is an act of fraud and have been reported to law enforcement officials. Also fraud alerts have been placed on my reports. 
Please remove collections that are associated with this address I have NEVER LIVED HERE.THESE COLLECTION ACCOUNTS NEED TO BE REMOVED

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 2017-04-14 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian is stating the courts is Reporting a Bankruptcy Docket # XXXX which i disputed and they stated it was verified ... I called the courts which advised me the courts does n't verify this information.. Experian pulled this information from a third-party agency, as per courts Does not Verify Therefore this Must Be Removed from my credit file which is damaging to my true credit file. 

And I would appreciate it once its deleted I want proof that it 's been deleted. Please send me an email to 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 2017-04-11 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC.
State: CA

Complaint narrative:
A person name XXXX opened an account with SunTrust on XX/XX/XXXX using my social security number, driver 's license, and pay stub. She stole my driver 's license on XX/XX/XXXX and stole my mail from my mailbox end of XX/XX/XXXX to XX/XX/XXXX. she then went online and put a forwarding address on my name to her address. I did not open an account with SunTrust. I have never heard of SunTrust Bank. I am requesting that they retract their credit check from my 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 2017-04-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, N.A.
State: NC

Complaint narrative:
**NOT A DUPLICATE COMPLAINT**ATTACHMENTS INCLUDED Starting back in XX/XX/2016, I began disputing the multiple late payments showing on credit reports from XXXX, XXXX , and XXXX. I informed them that the information is being reported inaccurately and that they needed to provide me with proof showing late payments. The first response from Flagstar Bank was that they needed additional information for proof of identity and I sent them, again, copy of my driver 's license and social security card along with a utility bill. To date, they have not investigated these inaccuracies and keep sending what I consider, " stall letters ''. They have also failed to mark on my credit reports that I am disputing these items - multiple violations of the federal law. I can send the copies of the letters I have sent to date if needed.

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 2017-04-13 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
On XX/XX/2016 I noticed my debit card was lost. I called Bank Of America immediately checked my balance and it was off. I spoke to the fraud department and filed a claim for XXXX transactions for the amout of {$500.00} each which equals to {$1000.00}. The transactions were made from a XXXX XXXX ATM on XX/XX/2016 @ XXXX XXXX. My claim was denied even after i had filed a police report on XX/XX/2016 with the city of santa fe police department. I reopen the case on XX/XX/2016 at XXXX and was denied again. I tried all i can to speak to them about the claim and they tell me that unfortunately they are not the ones working on the claim but will put notes for the individual working on my claim. I asked multiple times if the person working on my claim can please give me a call back which i never received. I did speak to several supervisors and all would tell me the same thing that since it was not a Bank Of America ATM they have no rights to view footage. They told me i had to get that done on my own so I went to the XXXX XXXX where the ATM was at and spoke to several bankers and managers they did me the favor by contacting their fraud department which they could n't do that for me I had to have a subpoena in order to view the footage from ATM. they told me that was strange that BOA should of taken care of it, they can also view footage with subpoena each bank have their own lawyers. Well, i was running up and down calling places, I have invested a lot of time in this whole mess, i had sleepless nights and just overwhelmed overall. My account was closed by them due to it was on the Negative {$76.00}. I had kept the account open due to they said i had to remain my account open since there was a claim. I was very upset with their service i took the money i had left over. Over time the monthly fees accumulated and so did Overdraft fees which was what caused me to go negative. I feel that all my rights as a BOA consumer have been violated. Claim Number is XXXX My account number is 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 2017-04-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Department of U.S. of Education is reporting innacuraye negative derogatory information on my credit file with all XXXX bureaus. They have accounts listed as 120 days late thro ugh XXXX XXXX. I have contacted XXXX XXXX via telephone provided them my identifying information such as my social number and there is no RECORD OF LOANS WITH THEM. I am asking that they remove ALL LATE PAYMENTS FROM ALL XXXX CREDIT BUREAUS FILE. Also XXXX accounts have been removed from experian please remove from transunion and equifax. They are also reporting accounts opened XX/XX/XXXX and XX/XX/XXXX. Which also do not belong to me and past the 7 year reporting mark. I am requesting the DEPARTMENT remove all XXXX negative INNACCURATE deragoratory.. 120 days late..past due balances..accounts off all my credit file..MY FCRA RIGHTS HAVE BEEN VIOLATED

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-14 00:00:00
Product: Other financial service — Debt settlement
Issue: Fraud or scam — 
Company: National Budget Planners of South Florida, Inc
State: MN

Complaint narrative:
I enrolled in National Budget Planners of South Florida debt consolidation program ( aka : XXXX ) a couple of years ago and paid {$300.00} to get started in this program. I paid {$59.00} dollars per month for approximately 2 years, thinking that their service was helping me consolidate my loans into XXXX payment of {$59.00} dollars per month. But I found out later that they were taking my money and not doing anything to help me consolidate my loans. This got my loans into a deliquency status. Also, I am a vulnerable adult with XXXX and XXXX. I feel like they took advantage of me and that my loans went into deliquency because of this. Also, my recent credit report shows that I lived at their company address in XXXX, XXXX, which is incorrect, as I live in XXXX, XXXX and never lived in XXXX, XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: TX

Complaint narrative:
This account was paid in full.

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 2017-04-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I never heard back from them

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 2017-04-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/2017 Equifax reported several accounts that were previously reported as a new account has been added to my report. Some of these accounts have been reporting on Equifax for over a year now. This has caused my credit score to drop. I have diligently worked to repair my credit, and I find this disheartening. I do n't find it a coincidence since I just disputed fraudulent inquires on my credit report. The following accounts have been listed as newly reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have called and sent certified letters in regards to the fraudulent inquiries.I have received the same general response for all inquiries. According to FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that nay information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information for it 's files. One can assume that there was no investigation into the matter since I keep getting the same general response. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer. I also have a fraud alert on my account since XX/XX/XXXX to prevent things like this from happening and it 's still happening. I demand that these inquiries are removed or I will take this further. 

Describe what happened so we can understand the issue ... 

I have submitted disputes to remove these inquiries that do not belong to me. I have not received an application or information on how these inquiries that I did not apply for credit on are on my credit. I need help clearing this up. The list of inquiries are below. 
These inquiries are fraudulent. They are not mine. 

XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian did not properly investigate very serious FCRA violations concerning a negative account that is illegally reporting past the 7 year statutory reporting period. The account is XXXX XXXX, account number : XXXX. This account was due to be removed from my credit report on XX/XX/2016 yet somehow Experian recently investigated and updated my report verifying this false information. I have attached a copy of my XXXX report which clearly shows that the account was due to be removed XX/XX/2016. Experian does n't even list the date the account is scheduled to remain on record, allowing this account to continue to be illegally re-aged. I have also attached the page of my Experian report which shows the updated results that they supposedly verified this account, regardless of the fact that it is past the 7 year reporting period. This account was removed from XXXX and XXXX months ago. Please note the remarks on my XXXX report which states : Estimated Month and Year this item will be removed : XX/XX/2016

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