vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-29 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: GA

Complaint narrative:
Identity Theft & Fraud, that was never blocked/removed, these accounts were joint accounts with my husband, on my account. Duplication Accounts, Inaccurate Accounts Accounts Information Incorrect, on loans balance, payments amount. Account not charge of paid in full.

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 2021-03-29 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: CA

Complaint narrative:
I am a victim of identity theft. I have tried disputing claims with Equifax and XXXX  to no avail. My personal information was taken from the 2017 Equifax breach that took place. Please help me clear my name and credit. It has taken a toll on my emotional, mental, and physical health.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 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:
I am a victim of identity theft. I have tried disputing claims with XXXX  and Experian to no avail. My personal information was taken from the 2017 XXXX  breach that took place. Please help me clear my name and credit. It has taken a toll on my emotional, mental, and physical health.

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 2021-03-29 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:
I have 2 accounts in collections on my experian reports, I have submitted paperwork to prove this is not my accounts, I have spoke countless times with experian and they have a green multiple times that they will be taking these accounts off, it has been over 2 months now and this is affecting my family!!!

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 2021-03-29 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: GA

Complaint narrative:
Identity Theft & Fraud, that was never blocked, these accounts were joint accounts with my husband, on my account. Duplication accounts, Inaccurate accounts. Account Information incorrect, on loan balance, payment amount.

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 2021-03-29 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:
I checked my credit report and it is showing inquiries that are not mine. I repeat! these are not mine. I have no recollection of doing them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 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: PA

Complaint narrative:
I'm literally gon na gloss over this because I've submitted the same complaint about the other XXXX credit reporting companies. transunion has been reporting the finger hut account on my credit report incorrectly for at least XXXX  months now. multiple attempts have been made with them to dispute the account, no changes have been made, all disputes result in fruitless frustration. the same letter i received from web bank XXXX the issuer of credit for XXXX XXXX XXXX was submitted in a dispute with transunion and subsequently netted nothing down. the letter lists information about the XXXX XXXX  account as recorded by XXXX XXXX and shows in black in white that XXXX XXXX account is being reported almost entirely incorrect and yet nothing was down with the account listed. i will be attaching that letter to this complaint. get your glasses or translator, don't really care. i want proof someone with XXXX eyes and a general grasp on the English  language has read 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 2021-03-29 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: WI

Complaint narrative:
I opened a secure credit card with XXXX XXXX  last year I had XXXX XXXX on time payments right before my first year mark was coming up XXXX XXXX closed my account. They are reporting that I owe a XXXX dollars still but havent issued me my initial deposit refund they are stalling my refund so that I send them more money I am owed XXXX $ for my refundable deposit and the balance is XXXX my balance should be XXXX and the remaining amount of my deposit should be issued to me this is showing negative information on my credit report when in all reality I am the one who is owe money not XXXX bank

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 2021-03-29 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: WI

Complaint narrative:
I opened a secure credit card with XXXX XXXX  last year I had XXXX XXXX on time payments right before my first year mark was coming up XXXX XXXX  closed my account. They are reporting that I owe a XXXX dollars still but havent issued me my initial deposit refund they are stalling my refund so that I send them more money I am owed XXXX $ for my refundable deposit and the balance is XXXX my balance should be XXXX and the remaining amount of my deposit should be issued to me this is showing negative information on my credit report when in all reality I am the one who is owe money not XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 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: WI

Complaint narrative:
I opened a secure credit card with XXXX XXXX  last year I had XXXX XXXX  on time payments right before my first year mark was coming up XXXX XXXX closed my account. They are reporting that I owe a XXXX dollars still but havent issued me my initial deposit refund they are stalling my refund so that I send them more money I am owed XXXX $ for my refundable deposit and the balance is XXXX my balance should be XXXX and the remaining amount of my deposit should be issued to me this is showing negative information on my credit report when in all reality I am the one who is owe money not 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 non-monetary relief
Consumer complaint received 2021-03-29 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: CITIBANK, N.A.
State: WI

Complaint narrative:
I opened a secure credit card with citi bank last year I had XXXX XXXX on time payments right before my first year mark was coming up citi bank closed my account. They are reporting that I owe a XXXX dollars still but havent issued me my initial deposit refund they are stalling my refund so that I send them more money I am owed XXXX $ for my refundable deposit and the balance is XXXX my balance should be XXXX and the remaining amount of my deposit should be issued to me this is showing negative information on my credit report when in all reality I am the one who is owe money not citi bank

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 2021-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
PORTFOLIO RC is claiming that I owe them {$630.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: WI

Complaint narrative:
Americollect is reporting to all three credit bureaus that I owe a bill I asked for verification of this bill they say that they have it if this company has my hospital records that is in violation of HIPPA Act hospitals cant give my full ssn or medical records to third parties such as collections if they dont have my medical records then they are violating my FCRA for not having fully verified information either way you look at it my rights are being violated by this company I have multiple americollect bills on my reports I am asking for full removal of all americollect collections from my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
XXXX is reporting to all three credit bureaus that I owe a bill I asked for verification of this bill they say that they have it if this company has my hospital records that is in violation of HIPPA Act hospitals cant give my full ssn or medical records to third parties such as collections if they dont have my medical records then they are violating my FCRA for not having fully verified information either way you look at it my rights are being violated by this company I have multiple XXXX bills on my reports I am asking for full removal of all XXXX collections 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 2021-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Assistance Inc
State: FL

Complaint narrative:
I have been trying for months to get resolved an account that was opened due to identity theft. 

The original debt was with XXXX XXXX XXXX and I believe Financial Assistance is the one collecting on it. I have contacted the person in charge of the collection and forwarded them a copy of my police report and to no avail they continue to report this debt on my report They are reporting 3 accounts XXXX, XXXX, XXXX. I am attaching a copy of the same police report i sent them in hopes someone can help me get this matter resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
Lost work during pandemic. Had to wait til I could qualify for pension. So I had no money. I did the foreberance without being notified that I would no longer qualify for a loan modification. I cant pay {$9000.00} to bring up to date nor can I afford {$1500.00} a month to pay current and past due. 

I should be allowed another modification due to the pandemic. Or allowed to put those foreberance payments to the end of the loan. Or allowed 24 months to repay past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Through my credit card monitoring, I was alerted that someone tried to open a JP Morgan Chase Credit Card in my name on XX/XX/2020. I called the JP Morgan Chase fraud monitoring department in XXXX when I caught it and verified with them that they marked it as fraud and closed the account before it could ever be opened. I filed online complaints with XXXX  and XXXX  who removed the credit pulls from my history within a few days. Since I prevent an account from being established, XXXX process annoyingly required that I must call as their online processed only allowed me to file a complaint if an account was established. I called XXXX  who reassured me that since an account wouldnt be established that it should automatically drop off within 90 days of the XX/XX/XXXX date. XXXX did continue that they could remove it sooner if they got a removal letter from JP Chase Morgan to authorize it. However, talking to JP Chase Morgan, they had never heard of a removal letter and wouldnt authorize one as they fraud department had to complete the investigation. It is past the 90 days and I still have the fraudulent credit pull on my XXXX  credit report. Please help as I feel useless against these big corporations and their processes!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 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: MD

Complaint narrative:
Through my credit card monitoring, I was alerted that someone tried to open a XXXX XXXX XXXX Credit Card in my name on XX/XX/2020. I called the XXXX XXXX XXXX fraud monitoring department in XXXX when I caught it and verified with them that they marked it as fraud and closed the account before it could ever be opened. I filed online complaints with XXXX  and XXXX  who removed the credit pulls from my history within a few days. Since I prevent an account from being established, TransUnions process annoyingly required that I must call as their online processed only allowed me to file a complaint if an account was established. I called TransUnion who reassured me that since an account wouldnt be established that it should automatically drop off within 90 days of the XX/XX/XXXX date. TransUnion did continue that they could remove it sooner if they got a removal letter from XXXX XXXX XXXX to authorize it. However, talking to XXXX XXXX XXXX, they had never heard of a removal letter and wouldnt authorize one as they fraud department had to complete the investigation. It is past the 90 days and I still have the fraudulent credit pull on my TransUnion credit report. Please help as I feel useless against these big corporations and their processes!!!

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 2021-03-29 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: IL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: D.B.F. COLLECTION CORP.
State: MA

Complaint narrative:
I am complaining cause DBF collect is reporting a collection on my credit report on behalf of XXXX XXXX. This was a result of someone stealing my identity I have filed a police report with my local police department. I tried to contact DBF collect but to no avail been able to resolve this matter. I am attaching a copy of my police report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: FL

Complaint narrative:
I was notified on XX/XX/XXXX a Velocity Investment they were suing me over a debt I told them was not mine. I sent them a Letter thru there attorney back XX/XX/XXXX advising I was not familiar with this debt. They did not respond. Yet continued further collection. I do not owe this debt. I need assistance contacting the Original company XXXX XXXX XXXX and letting them know this is not my debt. The amount they are suing for is over 6k. Please help.

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 2021-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
There is a collection reporting with National Credit Systems that is for an apartment complex that I never moved into and cancelled the application prior to to being submitted for approval. I have email communication showing that I cancelled and that I owe no money. They were deducting a fee from that deposit that I never agreed to and there is nothing showing in writing that a portion of that money was nonrefundable for a charity donation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 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: MS

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response. I really feel like I am being taken advantage of and being ignored of my disputes. SECTION 611 ( a ), plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the XXXX  you have caused me. Also, my information was impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 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: TX

Complaint narrative:
I contacted XXXX XXXX today regarding the payment I made on my credit card with them. The balance is paid in full and I owe nothing on the credit card but the payment did not reflect on my credit report. The representative I spoke with told me that it will be reported when the credit card cycles in XXXX. I mentioned to the representative I spoke with that the last activity reported was XX/XX/2021, the month of XXXX activity has not been reported. The representative proceeded to tell me to dispute it with the credit bureau. XXXX XXXX has been inconsistent in reporting my account activity to my credit report. A lender pulled my credit report and informed me that XXXX XXXX has reported my mortgage payment as not current when all my payments were current. The lender who pulled my credit report is now asking for a letter from XXXX XXXX stating that I was not late for more than 30 days for the past 12 months on my mortgage payments and XXXX XXXX is dragging its feet to provide that letter to the lender. I want XXXX XXXX to fix this ASAP. Thank you for looking into this.

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 2021-03-29 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: FL

Complaint narrative:
I have sent a method for verification letter, requesting information in detail on how my alleged late payment was verified. I have NEVER been late in the over 6 years I've held my XXXX XXXX card. The bureau alleged that I have one late payment in over 6 years of having the card. When the copy I just sent shows there are several inaccuraties in my credit report dealing with my XXXX XXXX account. By law, 100 % of my information is supposed to be accurate and it clearly not accurate. 

Please provide me as my letter states the method of verification or remove the late payment from my credit report.

Company response to consumer: Closed with explanation