vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-18 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:
I have reviewed my credit report. I have come across information that I have discovered is not mine. 
This letter is a formal complaint that you are reporting incorrect credit information. I do not recognize these accounts and I do not know where they came from. Also, I do not have a contract with these companies. 
I am upset that you have included the below information in my credit profile. I prefer to immediately dispute and have investigated. I believe that I may be a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 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: SC

Complaint narrative:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have had a paid monthly monitoring subscription with Equifax for about 4 years or more years ( which I cancelled on XX/XX/XXXX ) and have always been able to view and print a report and score from them. I call twice and ask what was the problem and was told that they would " Try '' to find out and get back to me via email. 

It is now XX/XX/XXXX and I tried to get a report and score " Again " Nothing, Blank account under my name just my personal information. ". One page said " Online Delivery Unavailable, We are not able to deliver your free Equifax Annual Credit Report online. Another page said Sorry, the page you were looking for dose not exist ( 404 ). 
. 
I was able to get reports from XX/XX/XXXX and XX/XX/XXXX on XX/XX/XXXX. I have had a credit history since I was about 20 years old and due have reports and scores from Equifax XX/XX/XXXX - XX/XX/XXXX and XX/XX/XXXX. I don't think that I am the only one going through this with them because they also said something about changing their format forcing us to use XXXX only to get to them. " The 3 people who I talked to Did Not Seam To Know What They Were Doing Either ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 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: GA

Complaint narrative:
In XXXX  and XXXX  of XXXX I filed a dispute with this credit bureau about the unverified account XXXX XXXX XXXX Account number XXXX. In those 2 months I have asked numerous times for a response into their investigation and I have not received anything in response from this bureau in over 2 months.. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about this unverified account as of today. Thank you

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 2021-01-18 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:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also speak to my lawyer and file a lawsuit!

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 2021-01-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Currently I am trying to obtain my credit score from the 3 credit service providers and it seems that they all have different scores due to my lack of credit history. I know that my past in XXXX I had fallen into hardships and my credit score was not at its best. I was able to repair and clean off my debts. 

Its been 12 plus years and my credit should of have resolved that matter and I should be able to have a clean slate. I recently in XXXX of XXXX tried to establish a credit card with XXXX and they provided a score XXXX and was denied to lack of credit. I also tried to get line of credit with my current Bank of America which was also denied. I would like to request to have my credit score and report be provided during this time. I have done all that I can to try to establish more credit but I am unable too cause XXXX, XXXX and XXXX XXXX all have different scores but I am not able to get a report. I just would like to be given a chance to have accuracy of my credit score so I can rent during this pandemic. Its been extremely hard during this time and I understand that their is relief and help during this time that I can request to help my score and give me a chance to rebuild my score or be provided an accurate 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 2021-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: Higher Level Processing
State: NJ

Complaint narrative:
XXXX I already filed a complaint earlier back in XXXX  with the number above. I was promised a refund from HLP and the company never gave it to me. I called them and they transferred me over to another department and it went into voicemail. I emailed the letter given to me in the response from the previous claim. This company is so bad. I need help making sure that they do their promise to me, and I get my refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-18 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:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

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 2021-01-18 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: MS

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XXXX XXXX, XX/XX/, XX/XX/, XX/XX/, XX/XX/.

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 2021-01-18 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: GA

Complaint narrative:
In XXXX and XXXX of 2020, I filed a dispute with this credit bureau about the unverified account XXXX XXXX XXXX Account number XXXX. In those 2 months I have asked numerous times for a response into their investigation and I have not received anything in response from this bureau in over 2 months.. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about this unverified account as of today. Thank you

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 2021-01-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PlusFour, Inc
State: NV

Complaint narrative:
Spoke to this company over 3 months ago concerning this debt. I told them I have XXXX  so this should have been paid and they said it wasn't. I contacted hospital and they said they didn't have information to submit it. I call XXXX  they gave me information how it should be submitted and I called hospital back and gave them this information. They said they would do a recall from collection agency and bill XXXX. The bill was paid, but the Plus Four Debt Collection agency has only removed from my XXXX  credit report. I've left messages for someone to contact me or get them removed from my other reports, but they are ignoring me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Merchants' Credit Guide Company
State: VA

Complaint narrative:
Requested validation of debt on XX/XX/XXXX, From Merchant Credit Guide Co, and received a response on XX/XX/XXXX. The response was only a print out of a bill of services that included protected HIPPA information. I feel violated that my HIPPA information was disseminated without my authorization and my signed HIPPA release form. Looking at my XXXX  credit report they have reported 4 times with 4 different dollar amounts with a different amount that is on the letter they sent me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
Southwest credit systems, XXXX XXXX XXXX, XXXX, XXXX  XXXX  XXXX  XXXX. I do not owe I sent by mail all its equipment and demanded a return to remove affixed  stuff. XXXX  was paid and theres no remaining cost

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
There are unknown hard inquiry on my credit report. Im requested the verification of the inquiries and the method of verification. AMEX, Inquiry Date XXXX XXXX, 2020. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 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: TX

Complaint narrative:
There is old information showing on my credit reports regarding my student loan. I have 1 student loan yet, my reports show several loans. Most of which states closed, and there is a late payment remark which is incorrect. I need this fixed and adjusted expeditiously!

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 2021-01-18 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: GA

Complaint narrative:
I Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. This is unacceptable and I will file a lawsuit.

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 2021-01-18 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:
I Have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2021-01-18 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: TX

Complaint narrative:
Date sent : XX/XX/2021 To XXXX XXXX and TransUnion Letter of Request to XXXX  included the following information : " Re : Letter to Remove Inaccurate Credit Information I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Account XXXX XXXX XXXX XXXX  Account Number : XXXX Please supply information on how you have verified this item, investigate and delete from my credit report. 

2. Validate this accounXXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item, investigate and delete from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under the Fair Credit Reporting ACT 15 U.S.C. Sec. 1681i ( a ), you must complete this re-investigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. '' XXXX and TransUion did an investigation and came back with the same results reported prior to my request. XXXX  has not yet responded. Sadlly enough, I was impacted by both the XXXX  and XXXX  Data Breach. 

I feel as though my request was completely ignored and treated as frivolous. It is unfortunate that any private agency has the power to inflict damage to a Consumer 's credit rating with such a broken credit reporting and credit scoring system, which is grossly inefficient and life impacting. 

My last resort will be to file for litigation due to the stress this has caused me. I am seeking your support in having this information removed from my credit report immediately. Your assistance is greatly appreciated. 

Sincere Thanks!

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 2021-01-18 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: TX

Complaint narrative:
Date sent : XX/XX/2021 To XXXX, Equifax  and XXXX  Letter of Request to Experian included the following information : " Re : Letter to Remove Inaccurate Credit Information I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Account XXXX XXXX XXXX XXXX  Account Number : XXXX Please supply information on how you have verified this item, investigate and delete from my credit report. 

2. Validate this account XXXX XXXX XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item, investigate and delete from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under the Fair Credit Reporting ACT 15 U.S.C. Sec. 1681i ( a ), you must complete this re-investigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. '' XXXX and XXXX did an investigation and came back with the same results reported prior to my request. Equifax has not yet responded. Sadlly enough, I was impacted by both the XXXX  and Equifax Data Breach. 

I feel as though my request was completely ignored and treated as frivolous. It is unfortunate that any private agency has the power to inflict damage to a Consumer 's credit rating with such a broken credit reporting and credit scoring system, which is grossly inefficient and life impacting. 

My last resort will be to file for litigation due to the stress this has caused me. I am seeking your support in having this information removed from my credit report immediately. Your assistance is greatly appreciated. 

Sincere Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 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: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XXXX XXXX2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I HAVE MULTIPLE CREDIT INQUIRIES ON MY REPORTS IN WHICH I DO NOT RECOGNIZE! THEY NEED TO BE DELETED IMMIDIATELY!

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 2021-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE MULTIPLE CREDIT INQUIRIES ON MY REPORTS IN WHICH I DO NOT RECOGNIZE! THEY NEED TO BE DELETED IMMIDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: MI

Complaint narrative:
My XXXX  XXXX XXXX account was cleared to XXXX but a fraudulent group impersonating a collections company, named Credence, has contacted me multiple times by phone and mail asking for me to pay my debt to prevent any legal issues.

Company response to consumer: Closed with non-monetary relief