vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-09 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: MN

Complaint narrative:
The following accounts are lost/stolen and fraudulent charges and transactions are on the accounts : XXXX XXXX, {$3400.00} and XXXX XXXX XXXX, {$1400.00}. The following accounts are fraudulent, unauthorized and not my accounts : XXXX XXXX  XXXX XXXX {$1800.00}, XXXX XXXX XXXX XXXX VISA, {$270.00} and XXXX XXXX XXXX XXXX, {$30000.00}. The following credit inquiries are unauthorized and fraudulent : XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX ( XXXX XXXX ),  XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX and XXXX, XX/XX/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 2019-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
Experian routinely accepts a report of a missed payment on an account with a XXXX balance from XXXX  XXXX XXXX, Experian does not investigate the matter thoroughly. They continually accept a reported late payment from XXXX XXXX XXXX on an account that was closed and written off years ago. A previous complaint filed with CFPB finally showed the balance on the account as XXXX ( {$0.00} ), but Experian still accepts as accurate a late payment on that XXXX balance every month, thereby indicating habitual late payments on an account with a XXXX balance. FURTHER, Experian will not perrmit me to file a dispute, claiming the matter has already been investigated. Further, XXXX XXXX XXXX first made this adverse report on XX/XX/XXXX. The seven year period has run and this account should be dropped from this report, but still appears on the XX/XX/XXXX credit report. Experian will not permit me to dispute this either, saying the information reported is accurate. MONTARY RELIEF should be awarded for failing to provide a method to dispute a subsequent, but incorrectly reported, late payment and for failing to exercise diligence in watching the seven year period.

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 2019-12-09 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: Avantus, LLC
State: MI

Complaint narrative:
AVANTUS LLC Hard Inquiry - XX/XX/2018 Unauthorized Credit Inquiry! 

I sent out dispute letter asking for removal of unauthorized hard Inquiry on my XXXX   credit report. I also had my letter notarized.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RFNA, LP
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 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: NY

Complaint narrative:
Please see Additional information, as requested by Experian & XXXX in attachments for further details. 

As it appears on my recent Credit report. By XXXX XXXX Experian XXXX is being reported inaccurately and is in violation. Please see attachment for further details. 


The company is currently reporting a balance of {$1500.00} this information is inaccurate. Delete this account immediately. 

In the attachment you will see a billing statement sent to me by XXXX for validation of debt. On the billing statement there is an address : XXXX XXXX XXXX XXXX XXXX New York, XXXX of which is not consistent with my mailing address of which I've lived at for over 15 years. There is no record of this address on any of my consumer reports or address history. As a result the information being reported is inaccurate and a violation. Remove XXXX from my XXXX and Experian effective immediately.

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 2019-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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 2019-12-09 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: NY

Complaint narrative:
As requested by the credit bureaus, Experian and XXXX please see attachment for additional relevant information concerning the following account. ( XXXX XXXX ) In the attachment you will see a signature contract page sent to me by the original creditor as proof of validation. Please pay close attention to signatures of which appears to be robo signatures, which is not at all consistent with my original signature. By default it is concluded that this account is fraudulent and does not belong to.

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 2019-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants Adjustment Service, Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC
State: PA

Complaint narrative:
I paid this bill through XXXX  XXXX XXXX on XX/XX/2019 in the correct amount of {$140.00}. I have the emails and proof payment was made. 

Debt collector states {$140.00} and is saying the wrong amount. I have never been contacted by this MRS Company. I recently started a new XXXX account due to a move in XXXX and she reviewed my previous account and EVERYTHING was paid and to date. She opened the new account with no deposits or fees necessary. Thus, I would not have been allowed to open a new account if I still owed money. 

I have everything needed to prove this was paid in full and that this collection person never even attempted to contact me and I DO NOT OWE IT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XX/XX/2019 there was a charge for {$430.00} from XXXX XXXX XXXX XXXX TX on card XXXX. I filed a billing dispute for the incorrect amount of XXXX, which I later notified citibank should have been for {$400.00} at which time I provided the final billing statement from XXXX reflecting the correct charge should have only been {$23.00} on card ending in XXXX. Citi continued the to dispute the charge seeking a refund of {$380.00} despite being updated of the correct disputed amount was {$400.00}. XXXX responded providing documentation showing a refund. The only refund listed under the merchant response was issued XX/XX/2019for {$100.00} to the card ending in XXXX. Furthermore no documentation was provided by the merchant as indicated in their response comments. This leaves a remaining disputed amount of {$300.00} unaccounted for. 

For charges datedXX/XX/19 onward the merchant was provided card number XXXX. 
In the merchants response a second refund of {$230.00} on XX/XX/2019 is mentioned. However, they fail to provide an explanation or supporting documents for this credit issued to a different card number. 
Despite different card numbers being utilized and documentation provided CitiBank continues insisting the {$230.00} credit issued to card number XXXX is related to the disputed charge of {$430.00} on card number XXXX in error. I have made multiple attempts to inform CitiBank of this continual error to no avail. I am asked to resubmit all the documents, the case will be reopened and I will receive a response in 5-7 business days which I never do. On XX/XX/XXXX after spending over hours in total with CitiBank to recitify this error I was hung up on, yelled at, given false and misleading information and finally told if I want this corrected I will need to take legal action against CitiBank by Disputes XXXX XXXX. CitBank has failed to provide a response or explanation for their actions when the inconsistencies are pointed out and documents provided are contrary to their statements.

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 2019-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Management Corporation
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 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: NY

Complaint narrative:
Please see Additional information, as requested by XXXX  & Transunion in attachments for further details. 

As it appears on my recent Credit report. By Transunion & XXXX    XXXX is being reported inaccurately and is in violation. Please see attachment for further details. 


The company is currently reporting a balance of {$1500.00} this information is inaccurate. Delete this account immediately. 

In the attachment you will see a billing statement sent to me by XXXX for validation of debt. On the billing statement there is an address : XXXX XXXX XXXX XXXX XXXX New York, XXXX of which is not consistent with my mailing address of which I've lived at for over 15 years. There is no record of this address on any of my consumer reports or address history. As a result the information being reported is inaccurate and a violation. Remove XXXX from my TransUnion and XXXX  effective immediately.

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 2019-12-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: PR

Complaint narrative:
Best buy closed muy account without my consent.

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 2019-12-09 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: NY

Complaint narrative:
As requested by the credit bureaus, XXXX  and Transunion please see attachment for additional relevant information concerning the following account. ( XXXX XXXX  ) In the attachment you will see a signature contract page sent to me by the original creditor as proof of validation. Please pay close attention to signatures of which appears to be robo signatures, which is not at all consistent with my original signature. By default it is concluded that this account is fraudulent and does not belong to.

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 2019-12-09 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 2019-12-09 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 2019-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
XXXX  routinely accepts a report of a missed payment on an account with a XXXX balance from Bank of America, XXXX  does not investigate the matter thoroughly. They continually accept a reported late payment from Bank of America on an account that was closed and written off years ago. A previous complaint filed with CFPB finally showed the balance on the account as XXXX  ( {$0.00} ), but XXXX  still accepts as accurate a late payment on that XXXX balance every month, thereby indicating habitual late payments on an account with a XXXX   balance. FURTHER, XXXX will not perrmit me to file a dispute, claiming the matter has already been investigated. Further, Bank of America first made this adverse report on XX/XX/XXXX. The seven year period has run and this account should be dropped from this report, but still appears on the XX/XX/XXXX credit report. XXXX  will not permit me to dispute this either, saying the information reported is accurate. MONTARY RELIEF should be awarded for failing to provide a method to dispute a subsequent, but incorrectly reported, late payment and for failing to exercise diligence in watching the seven year period.

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 2019-12-09 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: OH

Complaint narrative:
Applied to get an apartment in XXXX Ohio at The XXXX under The XXXX XXXX XXXX, but for whatever reason, there are two identical 'hard inquiries '' on my TransUnion credit file. There should only be one " hard inquiry '' from " XXXX XXXX '' on my TransUnion personal credit file.

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 2019-12-09 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: NY

Complaint narrative:
As requested by Equifax for additional relevant information. ( Please see attachment for further detail ). 30 days ago I have disputed and challenged XXXX XXXX XXXX XXXX  on my Equifax credit report. 

In the attachment you will find relevant information which may be  inconsistent with what is currently being reported on my Equifax credit profile. This is a violation. 

On my credit report, Equifax has last payment date of XX/XX/XXXX. But in documentation received from the original creditor. The last payment date was in XXXX of XXXX. As a result, by default any and all information being imported by the furnisher is inaccurate and is deemed irrelevant. XXXX  XXXX XXXX XXXX  must be removed effective immediately from my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
I made several attempts to file submit loan modification packet five times. each call that I made they told me my file was closed I was re-submitting loan modification packet XX/XX/XXXX they told me at Loan Care it was not enough time I told them it was sent since XX/XX/XXXX response was it has been denied dates submitted Dates XXXX. XXXX XXXX. I called all those dates to check if they receive the modification packet they stated not received until I XXXX told them I was filing a complain against them and speaking to my attorney on XX/XX/XXXX I called on a three way calling with XXXX XXXX assisted with the phone call advising them about filing a complaint against them double checked email address to submit loan modification to Loan Care @ LC-Mit @ loan Care.net

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 2019-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Kelsting Group, Inc.
State: CA

Complaint narrative:
In XX/XX/2018, I called XXXX XXXX XXXX XXXX about a reoccurring water leak from the upstairs bathroom. That same week I was given a 60 day notice to vacate the property. I moved out XXXX XXXX, paid all rents. XX/XX/2018, I received a letter and a stack of invoices for, new carpet, paint, linoleum, yard clean up, pluming totaling, XXXX. I had lived at the property for 9 years. Then I found out I had XXXX XXXX. I had XXXX and later received a bill from Pacific Credit services a collection agency in XXXX ca. I went to a mediator in XXXX Ca and XXXX XXXX told them that I caused too much damage, XXXX XXXX refused to talk to me. I am being sued for XXXX in Superior court. I answered the summons and Pacific Credit services sent me a copy of a request to the court to enter an entry of default and a court judgement against me. 
I feel that this is fraudulent collections and legal procedures

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 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: FL

Complaint narrative:
I have been disputing negative unverified information from my credit report sinceXX/XX/2019by certified mail alone with online according to FCRA Section 611 ( a ) ( 1 ) ( a ). I also under the FCRA Section 611 ( a ) ( 6 ) and ( 7 ) have requested the method of Verification after the amount of time allowed [ 30 day ] for the credit bureaus to respond to my request, well we are in XX/XX/2019 and I have not yet to see any verification or original contract bearing my signature of me agreeing to the terms of paying the debt. It's becoming very frustrating, stressful, and expensive to dispute with the credit bureaus due to the fact that I understand the stall tactic of the credit bureaus and the games that they play. It has been said the credit bureaus lean towards retaining incorrect data, rather than the other way around, because they profit from the more data that they have. After all, they are essentially data brokers. So the more data is worth more money, even if some of it is being incorrectly reported.

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