vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-24 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: MN

Complaint narrative:
sent a dispute letter on XX/XX/XXXX through Certified Mail to Experian requesting a reinvestigation and the Method of Verification for a bankruptcy reporting against me on my credit profile through Experian. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the original creditor, they must remove said information from the consumer credit file. I have attached copies of the letter from the US Bankruptcy Court stating they dont report to the credit bureaus. I have also attached a copy of my letter from XXXX saying my credit profile is frozen. How is the credit bureau verifying this alleged public record when the third party provider is frozen? Per the Federal Law, you have exactly 30 days to complete the investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Experian has been non-compliant and didnt complete the dispute in 30 days. I further remind Experian, as in Wenger v. TransUnion Corp., No. 95-6445 ( C.D. Cal. Nov.14, 1995 ), you may be liable for your willful non- compliance. The account in question needs to be removed immediately for violations against the Fair Credit Reporting Act, no validation in the 30 day time period, no validation with the third party provider of the data. I did not authorize a third party provider called XXXX to report this data against me on Experian. The public record is non compliant, inaccurate, and unverifiable.

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 2020-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
XX/XX/2020 Home Depot Consumer {$7800.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, CA. XXXX, Current Creditor : XXXX XXXX XXXX, sent to me, while no such account ever existed but claimed CITIBANK N.A. as original. Smelled fraud, checked online, many fraudulent reports/complaints. Afraid to contact in lieu of scam artists or identity theft. 
XX/XX/2020 Best Buy Visa {$1400.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, CA. XXXX, Current Creditor : XXXX XXXX XXXX, sent to me, while no such account ever existed but claimed CITIBANK N.A. as original. Again, afraid to feed into a scam. 
XX/XX/2020 Home Depot Consumer {$7800.00} repeated. 
Filing report with CFPB, consumerfinance.gov. Given a common name, and no record of ill credit, misidentification or wrongful contact likely at the least. Fraud, identity theft, or scam more possible.

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 2020-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: CA

Complaint narrative:
A collection agency is reporting {$840.00} to my credit report. They verified the account to the credit bureau when I sent a dispute to the credit reporting agencies. I proceeded to sending the collection agency a letter asking for the signed documents for that debt. That was in XX/XX/2020. I have not received as response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: OK

Complaint narrative:
I have an American Express card, on this month 's bill I was charged with interest on a purchase in 2018. They are calling it a trailing interest. I would have paid the interest on the billing statement for 2018. This year I have been charged {$680.00} in interest alone and can't afford that kind of cost.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been over 30 days and I have not received any investigation results.

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 2020-11-24 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been over 30 days and I have not received any investigation results.

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 2020-11-24 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: CA

Complaint narrative:
I have a letter from the data furnisher stating they already REMOVED an inaccurate bankruptcy from my report and sent a request for a dispute with Equifax on my behalf, with no response from Equifax. also i disputed with Equifax 10 times, each time they pretend they have investigated or reinvestigated but although they were provided with a copy of XXXX removal letter and a copy of a letter from the bankruptcy court, they still sending me E-Oscar generated responses which are UNACCEPTABLE. I am uploading all needed documents here again. please review my claim and resolve my problem. 
Also this is the 4th time that i submit this claim with the cfpb, each time receive the same ignorant response from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
Dear sir or madam : The following debt collection agency - SEQUIUM ASSET SOLUTIONS , LLC located at XXXX XXXX XXXX XXXX GA XXXX is reporting an account in collection that does not belong to me. 

I disputed the issue with the thee credit agencies. Within 48 hours XXXX had the account removed from my report. The other two reporting agencies are still waiting for a response. What I find troublesome is not only this error is stopping me from re financing my home but when I call Sequium they say they have no record of my account. I offered to provide them the information that is on my report and they said if they can't find it in their system there is nothing they can do. 

Below you will find the specifics of the account in question. I do not nor have I ever had an account with " XXXX XXXX '' What I find interesting is that when visitng the XXXX website the first three complaints are exactly the same ; XXXX XXXX and the person says they never had an account with them or they once did and the information is wrong. I would apprecaite any help your organization can provide. 

Date Reported : XX/XX/XXXX Collection Agency SEQUIUM ASSET SOLUTIONS , LLC  Original Creditor Name XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$120.00} Amount {$120.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # XXXX Creditor Classification CABLE_OR_CELLULAR Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES REINVESTIGATION IN PROGRESS Contact SEQUIUM ASSET SOLUTIONS , LLC XXXX XXXX XXXX XXXX ( XXXX ) 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 2020-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I recently got a new XXXX as a early XXXX present. The phone came with an offer to apply for a XXXX credit card. I kept getting rejected because they could not verify my identity. Finally today ( XXXX ) they told me the issue appeared to be with one of the credit reporting agencies and to call them to find out what is wrong. Well I had an idea that it was because my name is very similar to my fathers name and this has caused me issues with these credit agencies for most of my adult life. About 10 years they put one of my deceased father 's account on my report and even used his SS #! It took the IRS to put a stop to that And few years ago I had to do a fraud alert to get some of this incorrect information removed even though it was just my fathers information. And yet it still continues to be a problem to this day. I called XXXX and they told me there was nothing wrong that would cause this issue with them so I needed to check the other 2 and suggested the free annual report. That's when things made a turn for the worse. I got the XXXX  report with no issues and the same with XXXX. That one did have my fathers old address and employer and I was able to dispute that. But then Experian refused to give me their report unless I mailed them first. I attempted calling them several times but as soon as they get my SS # and street address they basically hang up and won't talk to me. By the time I get this resolved, XXXX will have come and gone. If I have bad credit that is on me. But their constant screwups and slowness to respond are on them and they should be 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 non-monetary relief
Consumer complaint received 2020-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
There are 2 accounts in collections with a Collection agency called " Portfolio Recovery ''. 

1-One is under account number XXXX for {$440.00}. It show XXXX XXXX as the original Creditor. 

2- The second account number is XXXX for {$420.00}. It also shows XXXX XXXX XXXX  the originals creditor. 

The problem is that I am XXXX and I don't work therefore I can't apply for credit cards because I Don't have income. I I sent a dispute to the credit bureau to investigate these two accounts. The collection agency verified the debt to the credit bureau. However, when I write ti the collection agency requesting additional information and I ask them for copies of the signed contracts for those accounts, they don't bother to respond back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth
State: NY

Complaint narrative:
I had a medical debt collection from ARS in the amount of XXXX on my credit report. This debt was not mine snd on my XXXX XXXX  they told me if I paid it, my credit score would XXXX XXXX up by 21 points. I disputed it and my credit did not go up as they were incorrect posting this charge against me. Im trying to purchase a vehicle and I have 155 on time payments! This is not right!

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 2020-11-24 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: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
THIS IS THE THIRD CASE I'M OPENING. - ALL I WANT BARCLAY BANK TO DO IS REMOVE THE 30 DAY LATE PAYMENT OFF OF MY CREDITREPORT. I HAVE PROVIDED ALL DOCUMENTATION I COULD POSSIBLY PROVIDE.I AM AN XXXXXX/XX/XXXX XXXX XXXX XXXX MEMBER I WOULD NEVER IMAGINE THIS MUCH STRESS FOR RESOLVING THIS ISSUE. - THIS HAS IMPACT MY CREDIT MIGHTLY AND COST DENIAL OF MORTGAGE LOAN AND NEGATIVELY AFFECTED MY CREDIT SCORE. I WAS XXXX/XXXX  WHEN THE ACCIDENT OCCURED. I PROVIDED DOCUMENTATION OF MY TRAVEL ORDERS, BANK STATEMENTS, AND THE PREVIOUS COMPLAINTS. - I ALSO MAILED THE DOCUMENTS MR. XXXX ASKED FOR AND ATTACHED THIS COMPLAINT ALSO. I HAD PROVIDED THESE DOCUMENT IN THE TWO PREVIOUS COMPALINTS AND ALSO MAILED THESE DOCUMENTS TO BARCLAYS FCRA FOUR TIMES VIA MAIL. ONE IN XXXX, TWO IN XXXX, AND ONNCE IN XXXX THEY HAVE BEEN MAILED TO FCRA. - I STILL HAVEN'T HAD MY ISSUE RESOLVED. I'm XXXX XXXX XXXX XXXX. I wentXX/XX/XXXX on training out of the country on XX/XX/2020. On XX/XX/2020 a payment didnt go through and after contacting my mom as a emergency contact she paid the payment on my behalf. Once I return in XXXX, Ive noticed a 30 day late payment charge on my credit report. Ive been a customer with no missed payments for over 4 years. Ive called and send them documentation showing my orders in XXXX and XXXX and early XXXX and I was told it cant be removed. - The company keeps asking me for documents I already gave them. For me to be military I've never think I have this much fight to remove this late 30 day payment on my credit 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 2020-11-24 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX** The CFPB closed my earlier complaint as they felt it was a duplicate complaint. Complaint XXXX should have been sent to creditor and was not a duplicate complaint. The complaint was closed in error. 

On XX/XX/2020, I mailed a letter to this company, asking for full validation of the debt the are trying to collect from me and reporting on my credit report. Since I have no contract with this company, Im entitled to know the specifics of this debt. I sent this letter certified / return receipt, so I would know if they received it. I advised them of their requirement by law to provide this information to me per the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) I asked for the following items. It is imperative that collection companies be required to follow the law, as anyone could send me letters and say I owe them, without any proof. To date, this collection company has not responded, by providing the required proof. This validation letter was also returned from the US Post Office with a bad address that could not be forwarded. This means that the company has gone out of business, reporting incorrect contact information on my credit report, or is conducting business under false pretense. Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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: CA

Complaint narrative:
I have a letter from the data furnisher stating they already REMOVED an inaccurate bankruptcy from my report and sent a request for a dispute with TransUnion on my behalf, with no response from TransUnion. also i disputed with TransUnion 10 times, each time they pretend they have investigated or reinvestigated but although they were provided with a copy of XXXX removal letter and a copy of a letter from bankruptcy court, they still sending me E-Oscar generated responses which are UNACCEPTABLE. I am uploading all needed documents here again. please review my claim and resolve my problem. 
Also this is the second time i'm submitting a complaint against TransUnion with the cfpb.

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 2020-11-24 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: CA

Complaint narrative:
I have a letter from the data furnisher stating they already REMOVED an inaccurate bankruptcy from my report and sent a request for a dispute with Equifax on my behalf, with no response from Equifax. also i disputed with Equifax 10 times, each time they pretend they have investigated or reinvestigated but although they were provided with a copy of XXXX removal letter and a copy of a letter from the bankruptcy court, they still sending me E-Oscar generated responses which are UNACCEPTABLE. I am uploading all needed documents here again. please review my claim and resolve my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Evening, I'm writing because Experian has not updated my credit score since XX/XX/2020. I've contacted all my credit card companies and they informed me that they have been accurately reporting every 30 days and that I need to reach out to Experian as to why they are not updating my credit score. On XX/XX/2020, my Experian score went up by 90 points ( picture attached ). On XX/XX/2020, Experian dropped my credit score by 82 points ( picture attached ) with no explanation. I have an online Experian account and usually when your score drop they give you some type of explanation, but this time they didn't. On their OWN website ( picture attached ) they say an average of 5-10 points will drop from a lender of an hard inquiry which I had none at the time of this drastic credit drop so what could have been the reason for such a huge drop? I applied for a credit card but that inquiry wasn't until on or around XX/XX/2020 which was way after my score dropped 90 points. Experian not reporting my score accurately has negatively impacted my life with regards to car loans/house loans as Experian is the go to credit agency. I've written a complaint previously with no results as CFPB just keeps marking my complaint as the same issues as earlier when that's not that case and they are not properly investigating as to what's going on with Experian not reporting my score for 4 months. I am asking CFPB to please contact Experian as trying to contact Experian is a job alone ( I can not find a working number for Experian for 6 months now ) and try to determine what is the problem as I feel Experian is pushing their Experian Boost ( add your cell phone or electric account and watch your score go up ) and if you are not interested in Experian Boost, then your score will remain the same. This had been ongoing for too long without any options for me to explore for a positive outcome. Thank you for any assistance CFPB can provide.

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