vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-12 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: FL

Complaint narrative:
There is account from possible finance reporting on my Experian report. This account has been paid in full and delete from all other bureaus as agreed by company. Ive called out and spoke to reps about my concern with the fact there reporting me charge off and this account was taken care off. He informed me it would be corrected. Ive received my recent report and guess what? Its still showing delinquency. Not to mention about of my rights according to FCRA INFO MUST REPORT WITH ACCURACY FAILURE TO DO SO MANDATES DELETION Please look into this for 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 2021-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: DE

Complaint narrative:
A company named Credence rm has me in collections for XXXX for XXXX XXXX, i never received a letter from them nor have i ever had a XXXX XXXX account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Shermeta Law Group, PLLC
State: MI

Complaint narrative:
XXXX XXXX XXXXXXXX started increasing my interest rates drastically after I closed my account in XXXX of XXXX The reason I closed my account was due to the interest over XXXX and the payment was XXXX I ask them why did they increase the interest rate that was already at XXXX and I was paying on time and they gave me no answer. The lady that spoke to me said, just increase your payment. I told her I am unable to increase my payment due to me being on Social security. Because I wasn't able to pay that amount with an additional XXXX in fees, they have started harassing me everyday in the morning and in the evening after XXXX. With that amount I was paying for interest and fees only. Nothing going to the principal. Now they are saying, I will sue you. For what? just because I am unable to pay their high interest rates and fees? Nothing going to the principal? 
Another credit card company that I have quickly put me into a program where they lowered the payment and didn't charge any fees. They understand my situation and they take the payment out monthly. Now I am almost finish paying for that card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Skrill USA, Inc.
State: NJ

Complaint narrative:
Skrill Inc withdraw money from account via ACH from my bank account thats not registered in my wallet my account that is registered with them is XXXX they withdraw from XXXX XXXX Account dont know how they got my Checking Account information from my secondary bank. They been giving me the run around for two weeks. Their has been no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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: OH

Complaint narrative:
I recently filed a report about my credit report having various name spelling multiple addresses and an account with XXXX XXXX that was paid in full. However on my report it shows that I owe XXXX  XXXX multiple name spellings and various addresses which are not mine, and hard inquries I am providing further proof with this receipt and I will list below and document section to prove I don't owe XXXX  XXXX. And this is also a reminder to remove all information that I requested in the first letter. I received the response and the response said that I was unable to speak for a non authorized account which both of the accounts actually belong to me with the incorrect account information. I will be calling Monday to speak with someone to correct an update the information again. This is causing me distress, I am trying to buy a car and the house and this inaccurate information it's causing me not to be able to meet criteria These are inaccurate addresses XXXX XXXX XXXX XXXX, oh XXXX XXXX XXXX XXXX XXXX ohio And same address listed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard inquiries I have never done business with them consumer mobile loans Interactive XXXX  XXXX  XXXX-XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  in all hard inquiries listed

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 2021-03-12 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I recently filed a report about my credit report having various name spelling multiple addresses and an account with XXXX XXXX that was paid in full. However on my report it shows that I owe XXXX  XXXX multiple name spellings and various addresses which are not mine, and hard inquries I am providing further proof with this receipt and I will list below and document section to prove I don't owe XXXX  XXXX. And this is also a reminder to remove all information that I requested in the first letter. I received the response and the response said that I was unable to speak for a non authorized account which both of the accounts actually belong to me with the incorrect account information. I will be calling Monday to speak with someone to correct an update the information again. This is causing me distress, I am trying to buy a car and the house and this inaccurate information it's causing me not to be able to meet criteria These are inaccurate addresses XXXX XXXX XXXX XXXX, oh XXXX XXXX XXXX XXXX XXXX ohio And same address listed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard inquiries I have never done business with them XXXX XXXX  XXXX  XXXX  XXXX XXXX  XXXX-XXXX  XXXX XXXX XXXX  XXXX XXXX  in all hard inquiries listed

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 2021-03-12 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX and again on XX/XX/XXXX. Today is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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 2021-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MoneyLion Inc.
State: NC

Complaint narrative:
My Federal Credit Union Checking Account has been hacked! 

1st- XX/XX/2021 POS Pinned Purchase InstaCash/Repayment XXXX  XXXX  XXXX {$350.00} 2nd- XX/XX/2021 POS Signatured Purchase MONELION XXXX XXXX {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX and again on XX/XX/XXXX. Today is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX and again on XX/XX/XXXX. Today is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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 2021-03-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC
State: UT

Complaint narrative:
Westlake Financial is reporting Account # XXXX for {$14000.00}, on my credit reports. I've never applied for or received products or services from this company. I made numerous attempts to communicate with this Westlake to dispute the account and start a fraud investigation to no avail. In XX/XX/2020 I requested assistance with addressing this matter and my recovery advocate and Certified Fraud Investigator communicated with Westlake and verified that they are attempting to collect this debt from me and that the account reflects my name and social security number but a different address. This account was caused by ID theft. I've provided an Federal Trade Commission affidavit, police report, proof of my ID, Soc Sec and address indicating that the account is not my account. Westlake has denied to release the results of their investigation as well as denied the deletion of the account from my XXXX, XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
At XXXX XXXX on XX/XX/2021 American Express called my work phone number and my cell phone number at the same time. These are harrassing phone calls and I have asked them to stop calling me repeatedly. Calling me at work puts me at significant risk and will not be tolerated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-12 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: CO

Complaint narrative:
I received a notice the first week of XX/XX/2021 that I had applied for unemployement insurance ( which I had not ). Then on XX/XX/2021 I received a US Bank ReliaCard debit card. I am NOT unemployed and have NOT filed for an unemployment insurance claim. Someone is committing fraud in my name.

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 2021-03-12 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: EQUIFAX, INC.
State: GA

Complaint narrative:
The attachment shows multiple contacts to the collection agency finally resulting in the removal of the unverified account. There is also a screenshot of my credit monitoring report showing that Equifax is the only bureau still reporting the account. My name is not accurately reporting as XXXX XXXX XXXX. Also, none of these addresses have been verified XXXX XXXX XXXX XXXX, XXXX XXXX, FLXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL,XXXX- Nor these inquiries XXXX Type : - - XX/XX/XXXX ; XXXX Type : - - XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
This company is reporting false information on all consumer reports and per the report says the account was opened 2020. 
This is false as the account is not verified nor has it been deemed valid

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

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 : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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: FL

Complaint narrative:
Ive have express concerns In the past with Experian about their reporting, I reviewed my payment history with Experian for my XXXX account. Not only is my account open and active but there reporting me delinquent in 2019 when I was never late on my account. This has drastically affects on my payment history. Ive attached a report that clearly shows that I wasnt late during that time. Not to mention there showing a date of last payment in XX/XX/2019. But payment grid in the picture shows XXXX which once again I wasnt late!!! And this account is open and active they have a duty as an agency to ensure account. Reports accurately

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 2021-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
I made a purchase for {$2000.00} with my Costco citi Visa card. The item was canceled and the funds were returned back to my citi bank card. Citi bank had had my dispute in pending status since XXXX. Ive contacted the merchant and got a trace on the funds a few month ago. XXXXXXXX XXXX  said theyve tried to contact the merchant with no luck. I offered a three way call to find the transaction trace but XXXX XXXX refused. My credit had dropped 14 points from this and Ive documented proof.

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 2021-03-12 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: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX ... XXXX  XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report 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 2021-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX should not be reporting to Equifax, XXXX and XXXX that I am ( 30 ) days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This was an accounting error on the part of XXXX and consequently this error caused a late to appear on my credit report. I have attached screenshots of my statements for XXXX, XXXX, XXXX, XXXX and XXXX, XXXX. I have also attached my statement for XX/XX/XXXX for further reference. I spoke to a representative from XXXX and they confirmed the clerical error and assured me they would contact the bureaus to have this misreporting late removed from my credit report. Unfortunately, they did not follow through. This late reporting is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus also to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

I have been disputing with the bureaus since XX/XX/XXXX, some inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the XXXX timeframe that they are supposed to respond in. On XX/XX/XXXX and again on XX/XX/XXXX I sent another letter to each of them, demanding they delete the inquiries that I did not authorize. Today is XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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 2021-03-12 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: MN

Complaint narrative:
Experion has two accounts for XXXX XXXX as paid - I paid and another as not paid. It is corrected with other files. Another is XXXX closed charged off And XXXX XXXX collection for identical debt.

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 2021-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: RI

Complaint narrative:
Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-12 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:
EQUIFAX has somebody else 's medical debt listed under my credit file. I have called the XXXX XXXX XXXX listed on my report, and they stated they have no record of me, or any debt for me. It is not mine. It is a health care bill, and i receive free healthcare from the dept of veterans affairs, and there is no way it could be me. This is causing me some stress and I don't know if there was a breach or someone stold my identity. I have a fraud alert, and credit freeze on file with equifax, yet there is somebody ele 's debt listed under my name. I want it fixed asap!

Company response to consumer: Closed with explanation