vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-20 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: IL

Complaint narrative:
Remove the information listed on my FTC 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 2020-05-20 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: IL

Complaint narrative:
Remove the information listed on my FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
My pay checks were being garnished in XXXX so I had to file a motion to do installment which was granted in XX/XX/XXXX my Installment is to pay {$150.00} a month until paid in full but credit acceptance is negatively reporting on my credit every month as missed payment as if the loan is still open when we went to court in XX/XX/XXXX. It was ordered by the court I pay $ XXXX monthly if not they would garnish my checks as of XX/XX/XXXX over a year ago and they are still reporting negative on my report. I went back to court and I was able to have the payments lowered to {$75.00}. Even after the judge ordered the garnishments to stop. Credit acceptance refused and still took money from my income ultimately they ended up having to pay me my money back. So Credit acceptance is not a good company they forced payments from me That I didnt have.

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 2020-05-20 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2020-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE MULTIPLE ACCOUNTS APPEARING ON MY FILE THAT ARE SHOWING LATE PAYMENT HISTORY. THE ACCOUNTS LISTED BELOW UNDER, ACCOUNTS TO AMEND, WERE NEVER LATE.

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 2020-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE MULTIPLE ACCOUNTS APPEARING ON MY FILE THAT ARE SHOWING LATE PAYMENT HISTORY. THE ACCOUNTS LISTED BELOW UNDER, ACCOUNTS TO AMEND, WERE NEVER LATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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: GA

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX  # XXXX, XXXX XXXX  # XXXX INQUIRIES : XXXX XXXX XXXX XXXX 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 2020-05-20 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: GA

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX INQUIRIES : XXXX XXXX XXXX XXXX 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 2020-05-20 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: NV

Complaint narrative:
These are not my accounts. Please remove 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 2020-05-20 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: IN

Complaint narrative:
Last XXXX I needed my report unlocked. I lost my pin. Experian told me the charge was about {$23.00} to XXXX the paper to unlock. I paid it. Then they over night my credit report and charged me over {$30.00}. I never asked for a credit report. They charged me a second time for the paperwork to unfreeze my account. It took me over four months and over 100 hours on the phone to get my money back. To get it back I ended up filing a complaint with credit card company. Then Experian gave my money back. I filed a complaint with you ( XXXX ) in which I was told to call Experian. I had to work 90 hours plus a week and I am now getting back to this. I laughed at their response to call them. To placate the Federal Gov, I called and they said they would do nothing to help me with over 100 hours I spent on the phone to recover my money. Now I am coming back to the federal watch dog and asking why can a credit reporting agency quote me one cost, charge me more than they quoted, charge me again for the same thing I already paid for yet never received, them refuse to give me back my money until I start a complaint with the credit card company? Is all this agency will do is forward my complaint? Please do not accept have him get a hold of us because they will tell me nothing

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 2020-05-20 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: NV

Complaint narrative:
These are not my accounts. Please remove 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 2020-05-20 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: NV

Complaint narrative:
These are not my accounts. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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: FL

Complaint narrative:
Yes, I have disputed several inaccuracies on my credit report to Transunion, XXXX, and XXXX about several derogatory items on my report as well as late payments that have been added to my report inaccurately. I have reached out to them to verify and remove these inaccuracies over 30 days ago. Based on the letters that I have sent them this was on XX/XX/2020. As I explain in my letter to them my previous letters haven't gotten a response either. Now they are not responding to the ones I have sent 35 days ago. The copy that I sent them were signed and attached was a copy of my driver 's license and copy of my social security card

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 2020-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NCB Management Services Inc.
State: AZ

Complaint narrative:
NCB Management states I owe them a debt. They have called several times a week over the last couple of month so I sent them a certified letter asking them to validate specific things and also added a cease and desist on phone calls, Told them that all future communication had to be written. They received the certified letter Tuesday XX/XX/20 according to tracking from USPS but today I received another phone call from them, a lady names XXXX XXXX to call them back to resolve/settle this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: OH

Complaint narrative:
I entered into a settlement agreement with the 3rd party that was assigned my debt. I did a full settlement in full and now the original company, XXXX is stating that I still owe on my debt and the settlement that I did was to stop the 3rd party from call me. This deceptive practices if I completed a settlement with a 3rd party that represents 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 2020-05-20 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2020-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: GA

Complaint narrative:
RENTDEBT AUTOMATED COLLECTIONS has not provided proof of my obligation of this alleged debt as requested and continues to report this trade-line to XXXX. This is creating major issues for me such as high inrerest rates, lower credit scores, job declines, and application rejects for outstanding balances owed, for me and my small children, which one have a severe XXXX, during a world-wide pandemic. 

I disputed this account on XXXX and XX/XX/XXXX of this year on my XXXX, XXXX , and XXXX credit report to no avail. I also disputed directly within RENTDEBT AUTOMATED COLLECTIONS on XXXX XXXX and XX/XX/XXXX of XXXX. To date, RENTDEBT AUTOMATED COLLECTIONS continues to ignore my requests and they continue to ignore my consumer rights. 

I believe this account does not belong to me. I requested the documents from their files used to verify this account. Under the Fair Credit Reporting Act, I have the right to demand they disclose all of the documents they have recorded and retained in their files at the time of the request concerning the accounts that are reporting in my credit report. All unverified accounts must be deleted. 

Who verified this account? what documents did they use to verify? Where are the documents used to verify? 

This only correspondence that i received was information about opening date, charge off date, billing statement, and a copy of an application. These items do not qualify as full verification per FCRA. This company is in violation for continuing to verify the account with the credit bureaus without providing the evidence as requested. It is my contention that RENTDEBT AUTOMATED COLLECTIONS knows they can not tie me to this account, otherwise, they would have done so when i made my initial request. RENTDEBT AUTOMATED COLLECTIONS is blatantly disregarding the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: LOBEL FINANCIAL CORPORATION
State: TX

Complaint narrative:
Lobel Financial is making false claims on a closed account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not 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 2020-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
There are old items still effecting my credit score. Regardless of exceptional payment history, the Equifax and XXXX scores never increase to the accurate scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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: CO

Complaint narrative:
I received a notice from a credit reporting agency that my credit score had gone down, twice in one week according to credit reporting agencies. On the day that I submit an application to rent a home my credit report dropped 32 points the same day. Trans union is using an account that I have never been late paying and always pay it off in less than 30 days. I never carry over a balance. It is an XXXX MasterCard that I use when shopping online to protect my bank account numbers due to identity theft problems in the past. Trans union, twice has reported this account as one that is carrying a balance more than 30 days and it is severely affecting my credit score.

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 2020-05-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: AMERICAN EXPRESS COMPANY
State: AR

Complaint narrative:
I need to file a complaint against Bluebird by American Express. I have had an account with them for years and use this company as my main bank. Since XX/XX/2020 I have been drawing unemployment due to COVID-19. Every week I have my benefits direct deposited to my bluebird account. Last night XX/XX/XXXX after receiving my benefits my account was immediately suspended and I got an email saying that I violated section 22 ( d ) of the Bluebird Membership Agreement. I called Bluebird customer service and because my phone number is linked with my account, I got a recording saying that my account was permanently suspended then the call disconnected. I decided to call from a different phone number and a CSR advised me i would have to call the Fraud Department during business hours Mon-Fri XXXX. So the next morning XX/XX/XXXX, I called the Fraud Department and was told that because my deposit didn't match the account or didn't have sender information my account was suspended. I asked if I could take the rest of my money out of the account and was told my account was locked and I would have to wait 1-2 business days for corporate to decide if they want to keep my account locked or reopen it. I have my entire livelihood, savings, bill money, everything in this account. I just happen to be in the process of buying a house on Friday this week and NEED my money to do so. It can not be legal for them to steal my hard earned money and keep it from me. I can't control how ADWF sends my benefits but that doesn't give Bluebird the right to take access away from the rest of my funds. They can have the account, they can investigate the government deposits that thousands of Americans are receiving, but the rest of the money in the account is mine and I want it transferred to another bank immediately. 

I would like to speak with someone regarding my issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-20 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: NJ

Complaint narrative:
There are Three accounts that are reporting on Transunion, XXXX and XXXX. 

I have submitted police reports and fraud affidavit reports with the disputes. They are still giving me a hard time. 




Three accounts that have inQUIRY and accounts open in my name by fraud!!!!! I did not open these accounts! I am a victim of identity Theft. 


Accounts XX/XX/XXXX XXXX XXXX XXXX showing a balance of XXXX AND ACCOUNT NUMBER IS ( XXXX ) When I called them I spoke to a women name XXXX and she stated someone opened an account in my name and the real balance is XXXX not XXXX but that doesn't even matter because this is NOT MY ACCOUNT!!!! PLEASE DELETE!!!!! 

THIS ACCOUNT IS SHOWING AN INQUIRY AND ACCOUNT OPENED! 

XX/XX/XXXX, XXXX XXXX XXXX ACCOUNT NUMBER ( XXXX ) BALANCE OF XXXX NOT MY ACCOUNT PLEASE REMOVE FROM MY ACCOUNT I DID A DISPUTE WITH ALL THREE AND ALL THREE IS GIVING ME A HARD TIME. 

I SUBMITTED A CLAIM WITH XXXX AND THEY DELETED THE XXXX INQURY BUT NEVER DELETE THE ACCOUNT. 


PLEASE DELETE ALL INQURIES AND DELETE CITICARD ACCOUNTS I LISTED XXXX XXXX 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 2020-05-20 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 recently look at my credit report and noticed somethings that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXXand never heard anything back. So I sent a 30 day comply on XX/XX/XXXXand I've yet to get any feedback on my investigation.

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