vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-16 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:
1, XXXX XXXX XXXX XXXX - {$0.00} 2. XXXX XXXX XXXX - {$1200.00} 3. XXXX   XXXX {$0.00} 4. XXXX  XXXX XXXX -! XXXX 5, XXXX XXXX - {$800.00} none of these accounts belong o me I am afraid this is ID theft or sense I have a common name the credit bureaus have my name mixed up.

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 2020-10-16 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute sent XX/XX/2020 60 Day demand to comply sent XX/XX/2020

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 2020-10-16 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute sent XX/XX/2020 60 Day demand to comply sent XX/XX/2020

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 2020-10-16 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute sent XX/XX/2020 60 Day demand to comply sent XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
Happy Friday XXXX! - I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate  reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 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:
1, XXXX XXXX XXXX XXXX - {$0.00} 2. XXXX XXXX XXXX - {$1200.00} 3. XXXX   XXXX {$0.00} 4. XXXX  XXXX XXXX -! XXXX 5, XXXX XXXX  - {$800.00} none of these accounts belong o me I am afraid this is ID theft or sense I have a common name the credit bureaus have my name mixed up.

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 2020-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
1, XXXX XXXX XXXX XXXX - {$0.00} 2. XXXX XXXX XXXX - {$1200.00} 3. XXXX  XXXX- {$0.00} 4. XXXX  XXXX XXXX -! XXXX XXXX, XXXX XXXX - {$800.00} none of these accounts belong o me I am afraid this is ID theft or sense I have a common name the credit bureaus have my name mixed up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 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: GA

Complaint narrative:
THE ACCOUNTS LISTED DO NOT NOT BELONGS TO ME SOMEONE USE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME WITHOUT MY KNOWLEDGE I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 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:
THE ACCOUNTS LISTED DO NOT NOT BELONGS TO ME SOMEONE USE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME WITHOUT MY KNOWLEDGE I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

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 2020-10-16 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: CA

Complaint narrative:
I had written a 609 letter and asked all three Credit Reporting Agencies to show proof of how they validated the debt showing on my credit report as a Chapter XXXX Bankruptcy from XX/XX/2012 reference number XXXX. 


None of the companies have responded. The Bankruptcy is not valid and needs to be removed from 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 2020-10-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Choice Recovery, Inc.
State: OH

Complaint narrative:
I moved out of my apt in XXXX and I gave proper notice to the rental company 's manager that lived on site. I moved in the unit back in XXXX and the same month of XXXX. I spoke to the onsite manager that the carpeting had black spots in it and it was not new. She mentioned to me that its was not new it was cleaned. I never had any real issues in the unit but in XXXX I asked if i could have a pet and they do not allow pets so i went to my doctor and i was given a letter to allow for an emotional support animal and i gave the onsite manager a copy and from that point forward I had an issue. I had one complaint about the puppy pad on the balcony and I reframed from allowing him to go out there but it did not stop the owner of the company became furious about the animal and it just was an issue with him. So I gave my notice to the onsite manager in form of a card and I began the process of moving. I did clean the unit there was damage to the corner of the wall while moving items and the globe was missing from the kitchen. I replaced the burners and the blinds in the unit. I cleaned the unit and I gave my keys to the site manger. In XXXX of XXXX I got the move out statement and I called and requested pic of the said damages on the report the owner yelled and cussed about me having the puppy and hung up. I called right back and i said to him that i lived in that unit over 7 yrs and the appliances all worked, not one screen was damaged at all, all the yrs i have lived there never had a bug until the guy next door moved in, and why am i being charged for new carpet replacement when it was not new when i moved in there, the dishwasher worked! The owner just yelled and cussed again and gave the phone to someone else and he just read the move out statement to me and I asked for proof of the damage because it is fraudulent to bill me for damage that I did not cause. I told him that the onsite manager has never sent me a notice regarding housekeeping or damage to the unit and they exterminate once a month for seven yrs. Most of the things on the list is normal wear and tear. Only thing new in the unit was it was painted the appliances are used and the carpeting was used. Because of the abusive language from the owner I never called again until XXXX I called and spoke to a woman and I again requested pictures of all the damage and receipts showing that the dishwasher needed to be replaced. They are unable to provide me with any further information but has charged me {$3800.00} in damages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 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: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX Wells Fargo Auto XXXX XXXX XXXX XXXX, CO XXXX RE : Account ( XXXX ) To Whom It May Concern, Im writing to you because I noticed that my most recent credit report contains late payments reported on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. 



I want you to know that I understand and have great respect for my financial obligations. 



Unfortunately, at the time of the incident mentioned above, I talked with one of the representatives that work for your company and I set up for them to withdraw monthly automatic payments from my checking account. I did not realize that I had a derogatory account on my credit report for late Payments. was under the impression that the payments were being taken out of my account faithfully. 



Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record. 



Currently I am applying for a mortgage and financing anything has been a struggle. It has come to my attention that the missed payments on my credit reports have hurt my ability to qualify for anything. 



In my heart, I know that the missed payment doesnt reflect my creditworthiness and commitment to repaying my debts. I am humbly asking for you to give me a second chance by making a goodwill adjustment to remove the 8 late payments from my credit reports. As I understand it, you can do so in just a few minutes of your time. I would greatly appreciate it! 



Thank you for your consideration. 



Have a blessed day!

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 2020-10-16 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: TX

Complaint narrative:
Good Day, My name is XXXX XXXX XXXX, I am writing to complain on Transunion for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have meet the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 
The following are some of the dates of the letters I have mailed out : XX/XX/20 XX/XX/20 They're are multiple attempts other then this dates I have attach. 

ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN XXXX  RECEIVED THE LETTER.

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 2020-10-16 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: Conn's, Inc.
State: TX

Complaint narrative:
Good Day, My name is XXXX XXXX XXXX, I am writing to complain on XXXX  for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have meet the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XX/XX/20 XX/XX/20 They're are multiple attempts other then this dates I have attach. 

ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN XXXX  RECEIVED THE LETTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Hello, our Citi credit card was used for the following fraudulent XXXX transactions. Citi contacted us via text and we responded that these are not our transactions. We have not used XXXX for months. Citi closed the card. However, we can not get our credit for these fraudulent transactions, even though they opened a case ( no. XXXX ) and we called twice : 1 ) spoke with XXXX ( Citi Fraud dept ) at XXXX and she told me she will reverse all XXXX charges 2 ) spoke with XXXX ( manager of fraud dept at Citi ) XXXX and he said that all these XXXX charges will be reversed. 

we just received our credit card statement and Citi added all these charges to our statement and didn't reverse any of them. 

XX/XX/XXXX XX/XX/XXXX XXXX TRIP XXXX CA {$29.00} XX/XX/XXXX XX/XX/XXXX XXXX TRIP XXXX CA {$11.00} XX/XX/XXXX XX/XX/XXXX XXXX TRIP XXXX CA {$47.00} XX/XX/XXXX XX/XX/XXXX XXXX TRIP XXXX CA {$21.00} XX/XX/XXXX XX/XX/XXXX XXXX TRIP XXXX CA {$31.00} XX/XX/XXXX XX/XX/XXXX XXXX TRIP XXXX CA {$35.00} XX/XX/XXXX XX/XX/XXXX XXXX TRIP XXXX CA {$81.00} XX/XX/XXXX XX/XX/XXXX XXXX TRIP XXXX CA {$22.00} XX/XX/XXXX XX/XX/XXXX XXXX TRIP XXXX CA {$25.00} XX/XX/XXXX XX/XX/XXXX XXXX TRIP XXXX CA {$38.00} XX/XX/XXXX XX/XX/XXXX XXXX TRIP XXXX CA {$47.00} XX/XX/XXXX XX/XX/XXXX XXXX TRIP XXXX CA {$51.00} XX/XX/XXXX XX/XX/XXXX XXXX TRIP XXXX CA {$16.00} XX/XX/XXXX XX/XX/XXXX XXXX TRIP XXXX CA {$27.00} XX/XX/XXXX XX/XX/XXXX XXXX TRIP XXXX CA {$45.00} XX/XX/XXXX XX/XX/XXXX XXXX TRIP XXXX CA {$64.00} XX/XX/XXXX XX/XX/XXXX XXXX TRIP XXXX CA {$17.00} XX/XX/XXXX XX/XX/XXXX XXXX TRIP XXXX CA {$27.00} XX/XX/XXXX XX/XX/XXXX XXXX TRIP XXXX CA {$120.00} Total {$760.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-16 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: TX

Complaint narrative:
I have reached out to this company several times to formally and legally ask them to remove these inaccurate and illegal accounts from my credit report. However, after various formal certified mail disputes they continue to ignore my requests. This information does not belong to me and they have failed to show me how they officially validated this false debt. 

XXXX XXXX XXXX Amount : {$14000.00} Date Opened : XX/XX/XXXX XXXX XXXX XX/XX/XXXX Amount : {$400.00} Date opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 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: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Wells Fargo reported a credit card to my credit bureau account. After contacting Wells Fargo they assured me this account would be removed from my credit report. In a letter from Wells Fargo dated XX/XX/2020 they assertion the account will be removed from my credit report within 30 days. This account remains on my credit report to this day. I have disputed it and still it remains.

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 2020-10-16 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: CA

Complaint narrative:
I had written a 609 letter and asked all three Credit Reporting Agencies to show proof of how they validated the debt showing on my credit report as a Chapter XXXX Bankruptcy from XX/XX/2012 reference number XXXX. 


None of the companies have responded. The Bankruptcy is not valid and needs to be removed from 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 2020-10-16 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: CA

Complaint narrative:
I had written a 609 letter and asked all three Credit Reporting Agencies to show proof of how they validated the debt showing on my credit report as a Chapter XXXX Bankruptcy from XX/XX/2012 reference number XXXX. 


None of the companies have responded. The Bankruptcy is not valid and needs to be removed from my credit report.

Company response to consumer: Closed with explanation