vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-12 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: FL

Complaint narrative:
Im a victim of identity theft! Ive sent in an ftc report to Transunion! The following accounts are fraudulent and need to be removed from my credit file. 
XXXX XXXX AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RADIOLOGY THE NAME XXXX XXXX DOESNT BELONG TO ME! 
I NEVER LIVED AT XXXX XXXX XXXX XXXX XXXX fl XXXX!! 

Both XXXX and XXXX has removed accounts. Accounts are fraudulent and cant be verified or validated!!! Please Block per fcra

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 2021-05-12 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: FL

Complaint narrative:
MY NAME IS XXXX XXXX. I AM A VICTI OF IDENTITY THEFT. SOMEONE IS DESTRPYING MY CREDIT. ITS MAKING MY LIFE MISERABLE. I AM TRYING TO GET MY BUSINESS GOING AND THESE FRAUDULENT ACCOUNTS ARE HINDERING ME. IVE TRIED TO DIPSUTE THESE ACCOUNTS BEFORE AND THEY KEEP HAUNTING ME. CAN SOMEONE PLEASE HELP ME.

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 2021-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Conduent Incorporated
State: OK

Complaint narrative:
EPPICard also known as Conduent, Inc is the company that handles the Child Support Services payments for the State of Oklahoma. There is no option to receive Child Support Services through any other means. A few weeks ago I received notice that my card had declined on an autopay. Considering I never use the card except for 2 autoplays, I found it suspicious. I attempted to login to my online account only to find the password had been changed, signaling to me that the EPPICard system had a security breach. After resetting my passwords, I login to find over 50 fraudulent charges that would have been flagged by any other card servicing company. I called EPPICard and was told I would be mailed a form to fax in. I never received the form. I called another 5 times a week later. Every time I attempted to resolve the issue, I was hung up on or disconnected. Each call lasted between 25 and 55 minutes. Furthermore, their account verification over the phone puts the consumers personal info at risk. They ask for far too much personal information, including, your full Social Security and text verification over the phone which is a common request of scammers. Currently the issue is unresolved and I have made every reasonable attempt possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Big Picture Loans, LLC
State: NM

Complaint narrative:
XXXX and XXXX claim to be have the the loan and i asked for a payment arrangement and they said they couldn't do this and that they would have to take me to court?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: NY

Complaint narrative:
I contacted XXXX XXXX XXXX multiple times in XXXX and XX/XX/2021 to attempt to settle the outstanding balance with XXXX XXXX credit card. However, XXXX XXXX claims they do not own the account because it hasn't been transferred to their agency from XXXX XXXX XXXX another debt collection agency ). However, when I call XXXX XXXX they say they've transferred the account to XXXX XXXX. I've been informed multiple times by XXXX XXXX customer service reps that a service request has been placed with XXXX XXXX to have the account transferred and this process would take 5-10 business days. However, over 45 days have past and there has been no progress. The account details on the website of XXXX XXXX show the account is owned by them but not available for payment. My XXXX  credit report also shows the account in care of XXXX XXXX through XXXX XXXX. When I contacted XXXX XXXX they claim the account has been transferred to XXXX XXXX. I would like to either reach a settlement or pay the outstanding balance on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
Two debt collection agencies XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, NY XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX ) keep putting repeated derogatory information for the same accounts on my credit report that is not mine. I have disputed them multiple times through the credit agencies and had them removed but they keep putting them back on my credit report every year. This is for an address that I have never lived at, but using my social security number. 

I attempted to contact Sunrise Credit Services to notify them of this. They told me I had to provide multiple pieces of personal information including photocopies of my driver 's license, my social security card, a W2 showing my address which I am not comfortable providing ( nor should I have to ) a private company to resolve an issue such as this. I don't understand why there is no communication between the credit agencies ( XXXX XXXX XXXX  ) and these collection agencies to verify that the same negative information is being places on the credit report for the wrong person.

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 2021-05-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hello, Transunion 's XXXX TU ) phone number, XXXX, located on their website, reaches XXXX XXXX XXXX  in XXXX, NV. Apparently this has been an unresolved issue for months, as the lady who answered at XXXX XXXX XXXX immediately asked me if I was trying to reach XXXX, and that many have complained directly to XXXX, yet their phone number remains the same. That's my first issue. 

Secondly, when I try to log on, I can't get past the HARD SELL page of, secure your credit for {$19.00} a month. 

It seems like a conflict of interest for the credit reporting agencies ( they all have hard sell XXXX to offer this sort of security as it should be a given to keep my data secure. 

I suppose it behooves XXXX to keep consumers guessing on how and why their score 's been impacted and how a consumer can raise their score without having to use " XXXX '' or another tool as banks are their customer. 

I should have excellent credit, just like my husband, as we have identical usage, a mortgage, and payment history, yet my highest score is XXXX, whereas his is XXXX. 

Please address my score issue, the conflict of interest, and the incorrect telephone number. 

I appreciate your time and assistance on this matter and look forward to hearing back. Please let me know if you need anything from me to assist you. 

Best regards,

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 2021-05-12 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: FL

Complaint narrative:
Exparian and XXXX  refuses to block fraudulent accounts from my credit file. Ive sent multiple request via us mail. This is my 3rd CFPB complaint. They keep asking for more time. Ive been a victim of identity theft and need these items blocked per fcra. Ive sent in ftc report. im told it isnt clear. Well i can read it clearly. I have NEVER DONE BUSINESS WITH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PREFERRED LEASE EXPARIAN OR XXXX or any of the following companies listed cant produce a signed agreement with my real legal signature!! 
PURSUANT TO SECTION 605B OF THE FCRA REPORTING ACT and send the required notifications to ALL FURNISHERS OF THIS INFORMATION!!!

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 2021-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please all names and addresses that are not as following. Anything, else if identity theft and fraud. 


NAME : XXXX XXXX XXXX ALL OTHER NAMES REMOVE ONLY ADDRESS XXXX XXXX XXXX XXXX, FL, XXXX. 

ALL OTHERS REMOVE FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: GA

Complaint narrative:
I received a notification of a collection from XXXX alerts. The notification indicated that I had a collections account from XXXX XXXX XXXX for {$200.00} dollars for a hospital visit covered by insurance for my daughter. 

The account and I had not received notice of a existing balance with XXXX XXXX XXXX. 

The account was paid as agreed and is still listed 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 2021-05-12 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: GA

Complaint narrative:
I received a notification of a collection from XXXX  alerts. The notification indicated that I had a collections account from XXXX XXXX XXXX for {$200.00} dollars for a hospital visit covered by insurance for my daughter. 

The account and I had not received notice of a existing balance with XXXX XXXX XXXX. 

The account was paid as agreed and is still listed on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have NEVER lived at XXXX XXXX XXXX in XXXX NY they have XXXX XXXX XXXX XXXX NY on my report and i requested to be remove the representative was rude and hung up on me. They have most of my letters with my current address.

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 2021-05-12 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: PA

Complaint narrative:
On XX/XX/XXXX a dispute letter was sent on my behalf to XXXX, and the three major credit bureaus XXXX XXXX Equifax, XXXX XXXX  with the intention of opening an investigation hoping to be provided with some form of written agreement stating that this account in fact belongs to me. As this account opened in XXXX of 2014 with a credit limit unknown, appears on my credit file as a charge-off. I have no knowledge of this account, and after the conclusion of the investigation no proof was provided to me proving otherwise although my account has been updated. It is my understanding that if proof can not be provided, the account should not and can not be reported according to the law on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: FL

Complaint narrative:
Please all names and addresses that are not as following. Anything, else if identity theft and fraud. NAME : XXXX XXXX XXXX ALL OTHER NAMES REMOVE ONLY ADDRESS XXXX XXXX XXXX XXXX, FL, XXXX. ALL OTHERS REMOVE 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 2021-05-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I checked my credit report and XXXX XXXX XXXX Say I owe {$6500.00}, but the Court Order Eviction Action Summons that was given to me on XXXX say I owe {$4500.00}. Plus after accruing cost after I return my keys on XX/XX/XXXX, on the final ACCOUNT Statement From the XX/XX/XXXX to XX/XX/XXXX is {$3900.00}. 

Theres no out come that add up to {$6500.00}. so the amount they attempt to collect is Incorrect which is a violation under the FCRA. this account amount not correct.

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 2021-05-12 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: FL

Complaint narrative:
Please all names and addresses that are not as following. Anything, else if identity theft and fraud. NAME : XXXX XXXX XXXX ALL OTHER NAMES REMOVE ONLY ADDRESS XXXX XXXX XXXX XXXX, FL, XXXX. ALL OTHERS REMOVE FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Persolve, LLC - Legal - Series 2
State: FL

Complaint narrative:
I have 100 % payback rate on my credit score. I have never missed a car payment for XXXX years and had exactly one year left to complete full payment on a car. Then car was damaged in accident and I could not get help or afford the repairs. I called lean holder to report forfeiture of my car and then discontinued payments. The lean holder promised to sell car at auction and allow money to go towards my debt and I would be informed. After accident I had the car appraised at about {$1800.00} and it was in very good condition. 
I received no communication until they sold loan to a debt collector with additional higher interest added. I have spoken to office of lean holder and debt collector but neither is willing to negotiate my debt and interest is rapidly increasing. 
I am XXXX and want to fix this debt but with my low income it is too much for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I checked my credit report and XXXX XXXX XXXX Say I owe {$6500.00}, but the Court Order Eviction Action Summons that was given to me on XXXX say I owe {$4500.00}. Plus after accruing cost after I return my keys on XX/XX/XXXX, on the final ACCOUNT Statement From the XX/XX/XXXX to XX/XX/XXXX is {$3900.00}. Theres no out come that add up to {$6500.00}. so the amount they attempt to collect is Incorrect which is a violation under the FCRA. this account amount not correct

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
IN RESPONSE TO CFPB EX : XXXX UNWILLINGLY WILL NOT MOVE FURTHER WITH MY REQUEST FOR A DISPUTE AND HAVE IT PROCESSED BECAUSE YOU FEEL AS THOUGH I AM TOO STUPID TO WRITE MY OWN LETTER. THIS IS MY THIRD REQUEST TO HAVE MY DISPUTE HEARD AN PROPERLY DISPUTED. MIGHT I REMIND YOU THE FCRA CLEARLY STATES EVERYONE IS ENTITLED TO DISPUTE WRONG INFORMATION. PLEASE VALIDATE MY REQUEST AND NOT VERIFY INFORMATION THROUGH YOUR PORTAL OR SYSTEM E-OSCAR AND JUST MATCH NUMBERS AS MY IDENTITY WAS STOLEN AND WAS TOLD TO YOU IN NUMEROUS WAYS. THANK YOUR QUICK RESPONSE IN THIS MATTER REGARDING MY IDENTITY USED WITHOUT MY KNOWLEDGE AT THE TIME.

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 2021-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I opened the priority checking and saving account through the promotional link on the Citibank website on XX/XX/2021. 

XXXX XXXX XXXXciti.comXXXX  The promotion period is different now but it is the same offer that I signed up for. It states that I would be receiving {$700.00} cash bonus if I open both account and deposit {$50000.00} and maintained for 60 days. So I made the account and transfer the money and made sure everything is followed according to the fine print. 

A few months gone by I have not received the bonus. On XX/XX/2021, I contacted the bank through direct chat and the presentative said that I would be receiving the bonus cash on XX/XX/XXXX or before. On XX/XX/2021, I have not received the bonus and I contacted the bank again. The representative told be they would need to open a case for investigation. A week later, I received the case status stating that the no promotion associated to my account which contradict the fact I signed up through the Citibank promotional link and still no bonus. I contacted the bank via and spoke to the supervisor to no available. I would like to have my cash bonus and this issue disputed.

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 2021-05-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: COMMERCE BANK
State: CO

Complaint narrative:
On XX/XX/XXXX I apply for a sba loan. For XXXX When I meet in person with commerce bank they look everything ad my credit score and my financial everything look perfect and we sumith it for the loan five days later she send me a email that she need to talk to me by phone. When I call her she told me my loan was not going to happen because it was going to make more debt to my business. And they will deny my loan. I told her send me the reason for denial by writing so I can see better what was the problem because it didn't make sense. She never send me a written notice to explain. And the problem is that all this time I been under contract trying to get the loan and meet the days for closing. Now I'm in really bad situation no other bank can't meet the deadlines for the loan. One of the things that happend during our first meeting that the loan officer Use to sell clothing and she started asking me more and more questions about how that I was able to make my own makeup brand and clothing brand where did I got or how it needs to be done. And I told her that was confidential because it's how I make my business. After that I saw a change on everything. I was never provided with a account number or loan number they just won't return my calls

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XX/XX/XXXX - XX/XX/XXXX debts were paid by debt collection through health insurance agency and debt collection. {$0000.00} balance due!

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 2021-05-12 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:
ONXX/XX/2021, I SENT LETTERS ASKING FOR THE METHOD OF VERIFICATION FROM XXXX, TRANSUNION, AND XXXX. ON AN ALLEGED LATE PAYMENT ON A CREDIT CARD, I'VE HAD OVER 7 YEARS. 

I HAVE PAID AS AGREED AND NEVER BEEN LATE. 

ON TOP OF THAT WHEN I VIEWED MY REPORT THERE WERE A LOT OF INACCURACIES ON MY ACCOUNT, FROM AMOUNT OWED, BALANCE, OPENING DATE, JUST SEVERAL THINGS ARE INACCURATE. 

TODAY ISXX/XX/2021 ALMOST 60 DAYS SINCE I SENT OFF ALL LETTERS CERTIFIED ASKING THEM TO VERIFY THE ALLEGED LATE PAYMENT AND THE OTHER ITEMS THAT ARE INACCURATE ON THIS ACCOUNT. 

ONXX/XX/2021, ALMOST A MONTH AGO I SUBMITTED A COMPLAINT TO THE I have asked for who my alleged late payment was verified. I have not received any documentation with this information. I have paid as agreed and on time every time. I'm asking that documentation been sent to me per my letter providing in detail who verified it and how because I have never been late. 

STILL NO RESPONSE. 

COMPLAINT NUMBER 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