vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-30 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: IL

Complaint narrative:
I've disputed these accounts before but did not get any results in connection to my identity theft claim. My identity has been compromised and the following accounts are hindering my true credit identity. Please block the following accounts are provide me with physical documentation that they are true accounts. These accounts I have absolutely any knowledge of, 1 ) XXXX XXXX 2 ) XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX XXXX XXXX 5 ) XXXX XXXX 6 ) XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30 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've disputed these accounts before but did not get any results in connection to my identity theft claim. My identity has been compromised and the following accounts are hindering my true credit identity. Please block the following accounts are provide me with physical documentation that they are true accounts. These accounts I have absolutely any knowledge of, 1 ) XXXX XXXX/ 2 ) XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX XXXX XXXX 5 ) XXXX XXXX 6 )  XXXX XXXX/ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TIDEWATER FINANCE COMPANY, INC.
State: IL

Complaint narrative:
To whom it may concern : I have a collection account on my file from an agency named XXXX/TFC the account number is XXXX. Please be advised that I am disputing this collection due to the fact that XXXX/TFC -Tidewater Finance Co. XXXX XXXX XXXX, MD does not currently have a valid license in Illinois to collect on debts. this information is stating that there is no license held according to IDFPR and Illinois Secretary of State website. I am requesting that you investigate this matter and delete this account from my credit file immediately or provide me with physical proof that XXXX/TFC is licensed to collect debts in Illinois. Your immediate response will be greatly appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30 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: MO

Complaint narrative:
After a careful review of my credit report I discovered an unknown and unauthorized account inwhich I'm disputing and demanding be removed from my credit report. I would like to know when did this come about, who reported it and what physical contract does the creditor have that confirms my true identity to this account. Please remove/ block this disputed account, ( 1 ) XXXX XXXX XXXXXXXX {$0.00}

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 2019-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Green Mountain Capital, LLC
State: TX

Complaint narrative:
this company called XXXX XXXX is a collection company trying to collect debt is not mine

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30 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: MO

Complaint narrative:
After a careful review of my credit report I discovered an unknown and unauthorized account inwhich I'm disputing and demanding be removed from my credit report. I would like to know when did this come about, who reported it and what physical contract does the creditor have that confirms my true identity to this account. Please remove/ block this disputed account, ( 1 ) XXXX XXXX XXXX {$0.00}

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 2019-03-30 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: MO

Complaint narrative:
After a careful review of my credit report I discovered an unknown and unauthorized account inwhich I'm disputing and demanding be removed from my credit report. I would like to know when did this come about, who reported it and what physical contract does the creditor have that confirms my true identity to this account. Please remove/ block this disputed account, ( 1 ) XXXX  XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The store " XXXX '' has reported me to the credit bureau " Experian '' that I owe them {$1200.00}. I have already sent the information to the credit bureau and I have sent 2 letters to Experian saying that, this account is not mine. We have also gone to the stores of XXXX in person and I have given them my information, my social security number, and my identification. The first ever letter I wrote to Experian was back on XX/XX/2018. The second letter I have sent to Experian was also back on XX/XX/2018. I have also done a dispute against this account multiple times through " Experian.com ''. And they have not removed this account from my credit report. I do not know what else to do to get this account removed from my credit reports. Because I have NEVER opened a credit card with XXXX. Hopefully, you can help me get this account removed.

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 2019-03-30 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: MD

Complaint narrative:
I first found in XX/XX/XXXX that my SSN was compromised, and have been diligently watching my credit history ever since. On XXXX XXXX, XXXX, when I tried to check my credit report at Equifax.com, XXXX XXXX report was pulled after I provided my SSN and other identity information. From the report, I found that XXXX XXXX ( a.k.a XXXX XXXX or XXXX XXXX XXXX ) in California opened 18 accounts with 11 different financial institutions using my SSN in the past 11 years. I did not open or authorize these accounts, and have requested all relevant institutions to close those accounts immediately. 

I sent a letter of explanation to EquiFax on XXXX XXXX, XXXX, requesting it to separate the ID thief 's information from my SSN. I never received any response from them other than my own credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30 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: MD

Complaint narrative:
I first found in XX/XX/XXXX that my SSN was compromised, and have been diligently watching my credit history ever since. On XX/XX/XXXX, when I tried to check my credit report at XXXX, XXXX XXXX report was pulled after I provided my SSN and other identity information. From the report, I found that XXXX XXXX ( a.k.a XXXX XXXX or XXXX XXXX XXXX ) in California opened 18 accounts with 11 different financial institutions using my SSN in the past 11 years. I did not open or authorize these accounts, and have requested all relevant institutions to close those accounts immediately. 

I sent a letter of explanation to XXXX on XX/XX/XXXX, requesting it to separate the ID thief 's information from my SSN. I never received any response from them other than my own 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 2019-03-30 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: MD

Complaint narrative:
I first found in XX/XX/XXXX that my SSN was compromised, and have been diligently watching my credit history ever since. On XX/XX/XXXX, when I tried to check my credit report at XXXX, XXXX XXXX report was pulled after I provided my SSN and other identity information. From the report, I found that XXXX XXXX ( a.k.a XXXX XXXX or XXXX XXXX XXXX ) in California opened 18 accounts with 11 different financial institutions using my SSN in the past 11 years. I did not open or authorize these accounts, and have requested all relevant institutions to close those accounts immediately. 

I sent a letter of explanation to XXXX on XX/XX/XXXX, requesting it to separate the ID thief 's information from my SSN. I never received any response from them other than my own 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 non-monetary relief
Consumer complaint received 2019-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
To whom it may concern : I have an account on my file from a collection agency named Midland Funding LLC. The account number is XXXX. Please be advised that I am disputing this collection due to the fact that Midland Funding LLC XXXX. XXXX XXXX XXXX XXXXXXXX CA XXXX does not currently have a valid license in Illinois to collect on debts. This information is stated in the IDFPR website along with the Illinois Secretary of State website. I am requesting that you investigate this matter and delete this account from my credit file immediately or provide me with physical proof that Midland Funding LLC is licensed to collect debts in Illinois. Your immediate response will be greatly appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30 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: MN

Complaint narrative:
I'm disputing the following accounts that's reporting on my credit report. The US Dept Of Education has 4 reporting accounts inwhich I have no knowledge of. There's also a MN XXXX XXXX {$140.00}, reporting that I would also like to be blocked. Please send me physical documentation to support these accounts if not please remove them immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-30 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: GA

Complaint narrative:
It has come to my attention that I have been a victim of identity theft. Over the past few months I have been receiving a ton of denial letters and collection letters from creditors that I do not recognize. These letters led me to pull a copy of my credit report with XXXX XXXX. That's when I found that my credit had been compromised.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-30 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: MN

Complaint narrative:
I'm disputing the following accounts that's reporting on my credit report. The XXXX XXXX XXXX XXXX has 4 reporting accounts inwhich I have no knowledge of. There's also a XXXX XXXX XXXX   {$140.00}, reporting that I would also like to be blocked. Please send me physical documentation to support these accounts if not please remove them 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 2019-03-30 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:
It has come to my attention that I have been a victim of identity theft. Over the past few months I have been receiving a ton of denial letters and collection letters from creditors that I do not recognize. These letters led me to pull a copy of my credit report with XXXX XXXX. That's when I found that my credit had been compromised.

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 2019-03-30 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: GA

Complaint narrative:
It has come to my attention that I have been a victim of identity theft. Over the past few months I have been receiving a ton of denial letters and collection letters from creditors that I do not recognize. These letters led me to pull a copy of my credit report with XXXX XXXX. That's when I found that my credit had been compromised.

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 2019-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: TX

Complaint narrative:
US Bank- Check Fraud Amounting to over {$3000.00} I had repeated instances of people drafting stolen checks against my account from XX/XX/XXXX to XX/XX/XXXX. The signature was not mine, nor was it even a signature of my name. However, the bank released the funds out of my account. 

I reported each instance of the fraud to the bank and to the police, which took me an entire day to get documentation. I provided copies of the fraudent checks that were withdrawn.

After 60 days, USBank sent me a form letter disclaiming all responsibility and refusing to pursue action because the drafts were beyond 30 days.

This is check fraud! There is a 5 year statute of limitations, not one of 30 days.

I have provided all documentation that the bank was in error to accept anything without my signature, and I've been wronged. Unfortunately, I am just a small consumer against a behemoth bank that just doesn't care.

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 2019-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank XXXX doesnt get tired of me they closed all my accounts credit cards for no reason they are horible with me hang up one me their credir department is very rude this bank has to be investigated and shut down because if I apply for a card and they approve me they immediately will close all my accounts because of new accounts which makes no Sense since Ive had most of them for a while they hate me and I hate them they dont like me discriminate against me refuse to help I hate this bank go get them shut down invesitgated for what they do is illegal

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 2019-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
To whom it may concern : I have a collection account on my file from a collection agency named LVNV Funding LLC, my account number ends in XXXX. Please be advised that I am disputing this collection due to the fact that LVNV Funding LLC C/O resurgent Capital services P.O. XXXX XXXX, SC XXXX does not currently have a valid license in Illinois to collect on debts. This information is being stated on the XXXX website along with the Illinois XXXX XXXX XXXX website. I am requesting that you investigate this matter and delete this account from my credit file immediately or provide me with physical proof that LVNV Funding LLC is licensed in Illinois to collect debt. Your immediate response will be greatly appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have been trying to dispute an item on my credit. I have logged in 5 times but every time I try it acts as if it did not receive my information but I have done it 5 times and filled every box in. When I push file dispute it reroutes me back to this same page but makes it blank again. I feel as though they don't actually dispute items its a scam or something, for me to put all my personal information in and then come back to the site different times different days, something doesn't make sense. Now im scared for my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP
State: WA

Complaint narrative:
XX/XX/19 - Tried to obtain the balance and transaction history on the website XXXX of two different prepaid Visa cards given from an employer, one of which had no balance but also no transaction history. The company was phoned and they advised they were unable to assist without the original load amount, which this information is not available due to the length of time past since the card was given ( over 12 months ).

After this I contact US Bank as the cards are backed by them, they transferred me to their internal gift card automated line. They card number did not register and I called the customer service line again. I was informed that if I went to a branch with ID that I would be able to obtain the information.

I then went to a US Bank branch and an employer tried to assist by contacting the card company again, but was given similar information. Though she was advised that the card did not actually have a XXXX balance and that the card was not activated correctly. 

After this the employer was contacted and advised that the cards are paid for in cash and that no history is kept of the purchases, meaning that they could not provide the original card amount. 

It seems unethical that the company will not provide information for an alternative way to verify the account history even when speaking with a bank representative.

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 2019-03-30 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: CA

Complaint narrative:
There is a report on my credit report by XXXX XXXX  it was a PRE PAID credit card. They did not open the account until they took my money in full and after send a card with the amount available. They closed my account and are reporting on the credit report as a revolving account and as a charge off. Which is incorrect information since they had the completed balance amount in full upfront and they are a pre paid credit card. I requested both that all the credit reporting agencies and the actual credit company to correct this information and remove this incorrect information from my credit report to no avail. I need help rectifying this issue.

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 2019-03-30 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: CA

Complaint narrative:
There is a report on my credit report by XXXX XXXX  it was a PRE PAID credit card. They did not open the account until they took my money in full and after send a card with the amount available. They closed my account and are reporting on the credit report as a revolving account and as a charge off. Which is incorrect information since they had the completed balance amount in full upfront and they are a pre paid credit card. I requested both that all the credit reporting agencies and the actual credit company to correct this information and remove this incorrect information from my credit report to no avail. I need help rectifying this issue.

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