vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
on date XXXX i received a validation responce letter from company midland credit management. further due in letter they have not shown actual proof of me owing this debt. i requested proof of contract of my own signature and it was not provided. also this company has violated multiple of my consumer rights! they have violated 15 usc 1692 ( c ) ( d ). which as you should already know ... communication with the consumer generally without the prior consent of the consumer given directly to the debt collection or the express permission of a court of competent jurisdiction a debt collector may not communicate with consumer in connection with the collection of ANY DEBT. Also harrassment and abuse to keep reporting to the credit reporting agencies. Which they are in violation once again ( 15 usc 1692d )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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: PA

Complaint narrative:
I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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: TX

Complaint narrative:
I contacting the credit bureaus over TransUnion over 60 days ago and they have yet to comply with what I asked the to do. I recently got a copy of my credit report and found some information and account that didnt belong to me. I asked for the accounts to be investigated and they failed to do so.

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 2021-05-24 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: NC

Complaint narrative:
XXXX XXXX marked me incorrectly as deceased on XX/XX/XXXX for account ending in XXXX. They also are still incorrectly reporting late payments on a credit card account ending in XXXX after 60 days of them promising they fixed it. 

I immediately called in to have it fixed, as they caused me to suddenly have NO credit score due to their incorrect reporting of being deceased. 

I received a letter stating they looked into my account and found nothing wrong on XX/XX/XXXX. This was for the wrong account after I explained in detail which account was showing the issue. 

It has now been 2 months and XXXX XXXXXXXX refuses to update or notify the remaining credit bureau that I am not dead. I have called XXXX XXXX and XXXX ( which is reporting me as deceased STILL ) and both have said it is not their fault, and that the other is the culprit. 

I have now lost a total of {$2200.00} in earnest money that I put down on a house because of XXXX XXXX Irresponsible and unhelpful customer service. Thousands of dollars. Gone. When I call them now they just state it shows here on your account that you need to wait 90 days from XX/XX/XXXX meanwhile they initially told me multiple times they would fix it IMMEDIATELY because it is holding me back from buying a house! The resolution they are trying to feed me is 120 days of having a critically negative impact to my credit score due to XXXX XXXX gross negligence. 

They are abhorrent at customer service and are causing my family and I extreme grief over their mistake. They have been horrible in trying to fix it and unhelpful in any way. 

In addition to this, they were supposed to delete late payments for an account ending in XXXX for the months of XX/XX/XXXX and XX/XX/XXXX, which I received a letter for dated XX/XX/XXXX. XXXX STILL shows those late payments as being reported by XXXX XXXXXXXX as recently as XX/XX/XXXX. So XXXX XXXX again is ruining my credit report with inaccurate information. 

The correct reporting from Capital XXXX should show 0 missed payments for all three bureaus across accounts XXXX and XXXX, and should be REPORTING ME CORRECTLY AS NOT DECEASED. This is the bare minimum expected of any financial institution. How did XXXX XXXX even let this happen in the first place? 


XXXX : Fix me in your system. I am not deceased. 

Transunion : I have incorrect late payments marked in your system for my XXXX XXXX card ending in XXXX. I have tried several times now to get you to update these, even providing the same letter attached directly from XXXX XXXX stating these are not late payments and are incorrect. Update these please.

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 2021-05-24 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: NC

Complaint narrative:
XXXX XXXX marked me incorrectly as deceased on XX/XX/XXXX for account ending in XXXX. They also are still incorrectly reporting late payments on a credit card account ending in XXXX after 60 days of them promising they fixed it. 

I immediately called in to have it fixed, as they caused me to suddenly have NO credit score due to their incorrect reporting of being deceased. 

I received a letter stating they looked into my account and found nothing wrong on XX/XX/XXXX. This was for the wrong account after I explained in detail which account was showing the issue. 

It has now been 2 months and XXXX  XXXX refuses to update or notify the remaining credit bureau that I am not dead. I have called XXXX XXXX and Equifax ( which is reporting me as deceased STILL ) and both have said it is not their fault, and that the other is the culprit. 

I have now lost a total of {$2200.00} in earnest money that I put down on a house because of XXXX XXXX Irresponsible and unhelpful customer service. Thousands of dollars. Gone. When I call them now they just state it shows here on your account that you need to wait 90 days from XX/XX/XXXX meanwhile they initially told me multiple times they would fix it IMMEDIATELY because it is holding me back from buying a house! The resolution they are trying to feed me is 120 days of having a critically negative impact to my credit score due to XXXX XXXX gross negligence. 

They are abhorrent at customer service and are causing my family and I extreme grief over their mistake. They have been horrible in trying to fix it and unhelpful in any way. 

In addition to this, they were supposed to delete late payments for an account ending in XXXX for the months of XX/XX/XXXX and XX/XX/XXXX, which I received a letter for dated XX/XX/XXXX. XXXX STILL shows those late payments as being reported by XXXX XXXXXXXX as recently as XX/XX/XXXX. So XXXX XXXX again is ruining my credit report with inaccurate information. 

The correct reporting from XXXX XXXXXXXX should show 0 missed payments for all three bureaus across accounts XXXX and XXXX, and should be REPORTING ME CORRECTLY AS NOT DECEASED. This is the bare minimum expected of any financial institution. How did XXXX XXXX even let this happen in the first place? 


Equifax : Fix me in your system. I am not deceased. 

Transunion : I have incorrect late payments marked in your system for my XXXX XXXX card ending in XXXX. I have tried several times now to get you to update these, even providing the same letter attached directly from XXXX XXXX stating these are not late payments and are incorrect. Update these please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I want my 3 checking account and 2 savings to be remained opened as usual and also allow access to my funds as usual. If this isnt rectified, I will get my lawyer involved to have access to my account.

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 2021-05-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was a Macy 's customer For over 25 years. I never paid a late payment and Macy 's is more than welcome to check my account history for the past 25 years. In 2019 My social security Bank account ID card will end all my mail for 6 months or stolen that was delivered by XXXX and left in front of my house. My address was changed to an XXXX XXXX address which I've been a resident of XXXX California for the past 40 years. I have a police report on file with the city of XXXX for this incident. As a result of identity theft my XXXX account was also hacked and I had my Macy 's account on auto Pay. XXXX XXXX XXXX Bank and Macy 's both failed to notify me that The payment was not being paid. I was unaware of the situation and I was sure since I had money in my account there would be no problem with the payment. Macy 's never called me about my account not being paid, which is no fault of mine.Macy 's is fully responsible for the delinquency of my account and they also reported it to the credit bureaus and right now my account is in XXXX with Citibank collection. I ced three times today and the representative could not hear what I was saying because of their bad connection. This is horrible customer service.This is another example of bad customer service that we can not even hear the representative. Macy 's has been damaging my credit for the past two and a half years.

For a payment of {$29.00} I'm not able to purchase a car because of the late that will put on my credit report by Macy 's.

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 2021-05-24 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: NC

Complaint narrative:
I sent XXXX and transuion Police report and Ftc report on the XXXX of last month showing this account is not mine and to please at least verify me with proof that ist mine and they just said verified. I would like this deleted from my XXXX and Transunion file.

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 2021-05-24 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: TX

Complaint narrative:
On XX/XX/XXXX the collections account with XXXX XXXX XXXX for XXXX appeared on my credit report. I have disputed this matter multiple time once in XX/XX/XXXX, XX/XX/XXXX, and again XX/XX/XXXX. All times the account came back verified, how can it be verified when the information isnt accurate. Transunion show a date of first delinquency as XX/XX/XXXX but the original creditor XXXX XXXX confirmed the date of first delinquency as XX/XX/XXXX which means my account was re-aged and my rights were violated. Even if you go 180 days from that date you still dont get XX/XX/XXXX. So Im asking that the inaccurate account be deleted from my report.

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 2021-05-24 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: Exeter Finance, LLC.
State: NC

Complaint narrative:
I sent XXXX and XXXX Police report and Ftc report on the XXXX of last month showing this account is not mine and to please at least verify me with proof that ist mine and they just said verified. I would like this deleted from my XXXX and Transunion file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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: OH

Complaint narrative:
I've tried to fix these issue that are showing up on my account. I had identity Theft happen which I notified the credit bureaus, the police department, and the creditor as well. I have been trying to get this resolved for over a year in a half.I tried to provide information to the three credit bureaus and I have been unsuccessful. The creditor tried to take me to garnish my wages in which I was successful in court that I am not at fault and creditor did not do the things necessary to communicate this debt was mind. I was found not responsible for any liability of debt when came to repossession on my credit report. The person also tried to open accounts in my name and also default on two credit card. I hope that the copy of the police report, credit affidavit, court documentation, will be enough evidence to release me of these items that are hurting my credit. XXXX refuse to acknowledge the evidence and remove this item off my credit report regarding the repossession. Transunion and XXXX will not remove this collection or inquiry that were also affected by these events

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 2021-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I've tried to fix these issue that are showing up on my account. I had identity Theft happen which I notified the credit bureaus, the police department, and the creditor as well. I have been trying to get this resolved for over a year in a half.I tried to provide information to the three credit bureaus and I have been unsuccessful. The creditor tried to take me to garnish my wages in which I was successful in court that I am not at fault and creditor did not do the things necessary to communicate this debt was mind. I was found not responsible for any liability of debt when came to repossession on my credit report. The person also tried to open accounts in my name and also default on two credit card. I hope that the copy of the police report, credit affidavit, court documentation, will be enough evidence to release me of these items that are hurting my credit. XXXX refuse to acknowledge the evidence and remove this item off my credit report regarding the repossession. XXXX and Equifax will not remove this collection or inquiry that were also affected by these events

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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: TX

Complaint narrative:
I have reached out to Equifax well over 90 days ago and they have failed to comply with the investigation I asked to to do on false misleading and inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
I sent dispute letter to all three credit bureau it was removed of XXXX but XXXX  will not remove it I sent out dispute letter own XXXX and also sent one own XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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: ERC
State: CA

Complaint narrative:
Enhanced Recovery is reporting an invalid collection they apparently bought from XXXX. 
Background : On XX/XX/2016 we purchased 3 XXXX phones that came with a {$300.00} gift card for each phone. We tried to redeem the cards at XXXX XXXX and were denied. We told XXXX about the situation. They told us to mail them the gift cards, and they would give us credit on your account. It was our understanding that our account would be cleared. Apparently they never applied the value of the gift cards, and charged us other fees and interest on the balance and are attempting to collect a debt that was not owed. They even sold the account to a collection agency which is dropping our scores and making it difficult to secure loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
This is the follow-up to a complaint ID XXXX that was closed without resolution. The information that the company provided is attached. This did not resolve the problem. The questions that I have for the mortgage holder at this time are as follows : Were any of the checks that were sent cashed? Can you provide a copy of who signed for them to be cashed or deposited. The Credit Union that my father uses does not have any of the funds returned. I, XXXX, have not personally seen these letters or cashed any of these checks. I am the POA for my father who had a XXXX, therefore he has not signed or cashed any of these checks. The letters/checks that were addressed to my mother, XXXX, should have returned to you as she expired in 2011. I have talked to the current holder of the mortgage and they have told me that they have never received any funds from Citibank. The automatic payment transfer to the new mortgage company was set up at the time of the transfer from your company to the new servicer. While I do understand the response, I do not know what has happened to all of the money that was removed from the account since none of the checks were ever received or cashed by either myself or my father. Please provide information if these checks were cashed or deposited as my father has only one account.

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 2021-05-24 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: AZ

Complaint narrative:
On XX/XX/2021, I contacted XXXX to dispute a fraudulent charge off account with XXXX XXXX Bank. I never had an unsecured loan with that bank. I was told that I couldn't dispute the account nor could I remove the fraudulent address associated with the account. A letter was sent to the actual creditor and they had no contract of an unsecured loan with my name and SSN. I noticed on my credit report that the account went from {$18000.00} to {$13000.00} within a couple of days from talking to XXXX On XX/XX/2021, I got an alert from XXXX saying that the account was completely paid off. I never made a payment. I called XXXX on XX/XX/2021, and asked to dispute the account. I was told that the account can't be disputed ever again. I asked why and was told by XXXX ( rep for XXXX  Special Services ) that the account had been blocked for fraud previously but XXXX XXXX Bank sent XXXX documentation of a loan in my name and SSN. I asked why XXXX has never sent me this documentation and was told that I have to contact the creditor because it's not XXXX job to send documentation that validates a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Today I received a letter, dated XX/XX/21, from synchrony bank informing me there had been an address change request and to " contact us immediately '' if I didn't make the request. 
I called and wasted 15 of my cell minutes only to discover that it was all a lie. 
This is harassment due to my previous complaint over synchrony STEALING my cash rewards money, and I want it to stop! 
I don't need the aggravation of thinking someone is stealing my identity, and I CERTAINLY don't need any more XXXX from synchrony bank. And I ABSOLUTELY do NOT want to ever have to speak with them again! 
They STILL refuse to give me MY MONEY!

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 2021-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
I tried dispute this due to not knowing what to is debt is for and the company states otherwise they can even tell what it is for

Company response to consumer: Closed with explanation