vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-28 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: MS

Complaint narrative:
I Have of submitted my Identity theft paperwork from The FTC as Im am a victim, and the credit reporting Bureau refuse to remove accounts that are affecting my credit, and this act is greatly affecting my ability to get credit, I'm looking to do a refi on my house.

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 2020-05-28 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: NV

Complaint narrative:
The accounts listed are not my accounts, nor did I authorize these companies to run my credit.

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 2020-05-28 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: NV

Complaint narrative:
The accounts listed are not my accounts, nor did I authorize these companies to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Liberty Holdings, LLC
State: AL

Complaint narrative:
A company who identified themselves as Liberty contacted several family members and left messages saying they would come locate me at their residence. I called the company and they claim I'm being sued for something that I have no knowledge of. I've never been contacted and I never authorized contacting any relatives.

Company response to consumer: Untimely response
Consumer complaint received 2020-05-28 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: WA

Complaint narrative:
On XX/XX/2020 I submitted my second round of dispute letters to Equifax regarding incorrect accounts XXXX XXXX  XXXX XXXX  ( is not mine ) please remove, they have not. I am requesting that they move mechants credit accounts as they are inaccurate, as well as late payments to XXXX XXXX XXXX XXXX XXXX and Department of Education/XXXX late payments as well as XXXX late payments. 

Also my name is mispelled several times and my address and employer are wrong. Please update as this is having a negative impact on my credit score, and I would like it removed. 

Thank you for your assistance,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have unrecognized addresses on my credit report the I need off asap. I was a victim of fraud and someone was using name for credit card apps and got a card and other items in my name as a result of these addresses on my file that do not belong to me. please delete permanently from my file the following : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX please remove the following phone numbers they are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) 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 2020-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I check My Credit and I notice that someone Has been Using My personal Information for their Benefit I believe it the same person which stole my Valuable Items, which I made a police Report for Attached with this report you will find my Police report. I did not authorize nor give anyone Consent for these Accounts to be Open. This is Fraud!!! please Help me Resolve this matter, this is very Stressful Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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: NJ

Complaint narrative:
This complaint is for Experian failure to respond to my written personal info dispute letter DATED XX/XX/2020, ( MAIL VIA CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX ). This certified mail was received, signed for, and delivered into Experian possession on XX/XX/2020, as recorded and detail by the U.S. Postal Service. THIS FAILURE IS A VIOLATION OF FCRA SEC. 611 ( A ) ( 1 ) IN WHICH I WILL SEEK DAMAGES FOR IN A COURT OF LAW FOR EACH PERSONAL INFO ITEM THAT WAS NOT INVESTIGATED. 

This is not the only personal info dispute letter received by Experian, there has been prior letter disputing personal info and continually they refuse to correct the information even after being proved proof of the inaccuracies. Experian is attaching two addition names of individual to my Credit file similar to my Legal name but not my legal name. EXPERIAN REFUSES TO DELETE THESE TWO FALSE NAMES. 

The dispute letter in question is attached to this CFPB complaint. When I did send this letter to Experian along with this personal info dispute letter I attached my State of New Jersey drivers license, my current utility bill, and my Social Security Card all bearing my only Legal Name correctly spelled. This shouldve left no room for Experian to misconstrue the correct facts regarding my personal information. 

Experian is constantly and continuing to report inaccurate personal info on my Credit File. Time after Time I submitted proper documentation of my Identity, Correct Name, and Address. Experian continues to report my name wrong after repeated attempts of sending in my personal info dispute letters, which they continue to disregard. Experian needs to delete any name on my Credit File that is not my Legal Name. 
Please delete all incorrect names off my report, as they are not deliverable to me by the U.S. Postal Service, and they are not reportable because they are inaccurate and false. As per the FCRA, listing false and inaccurate information will lead to civil penalties in which I am going to pursue under the FCRA and the NJ FCRA

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 2020-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I am desperately looking for a fair solution. I am writing to you today regarding the following Transworld Systems accounts : 1 ) Account # XXXX, Date Opened in report : XX/XX/2014, Original Creditor XXXX XXXX XXXX XXXX, Balance {$100.00}. 

2 ) Account # XXXX Date Opened in report : XX/XX/2014, Original Creditor XXXX XXXX XXXX XXXX, Balance {$60.00}. 

This company is reporting false and erroneous information to the credit bureaus, and I am demanding both mentioned items to be removed from my reports. 

Please send the attached documents to Transworld Systems Inc. 

Thank you, CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
I BELIEVE THAT MY BANKRUPTCY DISCHARGE TO MY MORTGAGE HOLDER WAS TOO MUCH AND MONEY WAS PAID TO THEM THAT SHOULDN'T HAVE BEEN PAID. I SAW TOO MANY DIFFERENT AMOUNTS THAT WERE OWED FOR THE SAME CREDITORS. WHEN I WENT TO MY CLOSING FOR THE SALE OF MY HOUSE THE FIGURES WERE TOO MUCH ALSO. I'M SENDING PAPERS THAT SHOWED ONE AMOUNT BUT SOMEHOW THEY GREW. I DON'T UNDERSTAND HOW A {$140000.00} MORTGAGE OVER A PERIOD OF 20 YEARS GREW TO BE {$190000.00}. THIS IS NOT RIGHT. PLEASE EXAMINE THE PAPERS I'M SENDIN FOR HELP G. I WAS FORCED TO SELL MY HOME AND NOW MY HUSBAND AND I ARE RENTING.THIS IS NOT RIGHT. I WAS SCAMMED BY XXXX XXXX  AND PACIFIC FINANCIAL. I REACHED OUT TO CFPB FOR HELP. I HAVE PREVIOUS CLAIMS THAT YOU ALL CLOSED. THEY STATED THAT THEY WERE WORKING WITH ME. THEY WERE BUSY FILING FORECLOSURE PAPERS. I BLOCKED THEM BY FILING THE CHAPTER XXXX. THE EXPENSES GOT SO MUCH THAT I HAD TO CHANGE TO A CHAPTER XXXX AND SELL OUT. THIS IS IN HUMAN TO TREAT TWO SENIORS WHO HAVE INVESTED ALL OF THEIR EARNINGS INTO A HOUSE JUST TO LOSE IT. ALL OF THE OTHER COMPLAINTS WERE STEMED FROM THE SAME PROBLEM WITH PACIFIC AND HOMESTEAD. PLEASE READ THE OTHER FILED COMPLAINTS THAT WERE CLOSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I got a pay off amount from Capitol One and paid my account off in full as they were charging huge % rates. I closed my account and they said there was a XXXX balance. I kept on checking to make sure that there was a XXXX balance as I have had this problem before where they don't actually close my account and continue to charge interest. Sure enough I got a call a month later that I owed XXXX cents and now owed {$84.00}. When I told them that I closed my account and correctly paid the full amount off they said I owed the {$84.00} in late fees from the XXXX cents that was owed, but could not find how the charges were done or what the XXXX cents was from interest or a service fee. Regardless of what or how I have been ripped off by Capitol One. This has taken place between XX/XX/2020 and XX/XX/2020. " What's in your wallet? '' Nothing because you took it all and are still trying to rip me off!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I check My Credit and I notice that someone Has been Using My personal Information for their Benefit I believe it the same person which stole my Valuable Items, which I made a police Report for Attached with this report you will find my Police report. I did not authorize nor give anyone Consent for these Accounts to be Open. This is Fraud!!! please Help me Resolve this matter, this is very Stressful Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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: FL

Complaint narrative:
I check My Credit and I notice that someone Has been Using My personal Information for their Benefit I believe it the same person which stole my Valuable Items, which I made a police Report for Attached with this report you will find my Police report. I did not authorize nor give anyone Consent for these Accounts to be Open. This is Fraud!!! please Help me Resolve this matter, this is very Stressful Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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: NJ

Complaint narrative:
For the last few months I have been monitoring and working on my credit. I have been checking with Experian which is the agency that I have the issue with. For the last few months my score has slowly risen to a decent rating. Recently, I reduced all credit card usage to 0 % utilization and consolidated my student loans. My Experian score adjusted down 14 points as a result of this. My score was at a XXXX and then took a 14 point dive without any reason an or cause. There would be no reason for my score to decrease when I have actually decreased my overall debt obligations and have limited the amount of credit usage below the recommended 6 %. The other issue I have is with this agencies handling of accounts being added to reports from frivolous sources. I have been working hard to fix my credit. It just seems that Experian continues to try to keep consumer credit scores from hitting the " GOOD '' rating. My credit score should have hit the " GOOD '' range with this update, however, I take a credit score decrease after XXXX  off all balances, this makes no sense and it makes no sense how XXXX  and XXXX  have all updated with the same info and have placed my account into a good status. I have also tried to contact Experian by phone several times and at no point can I speak to a live agent. The line disconnects while you are on hold forcing you to start over.

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 2020-05-28 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: TX

Complaint narrative:
These are not my accounts, addresses on file, nor did I authorize these companies to pull my credit. Please remove them.

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 2020-05-28 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: AL

Complaint narrative:
THE BELOW ACCOUNT DOESN'T BELONG TO ME, I HAVE CONTACTED THEM MANY TIMES AND THEY HAVE NOT REMOVED IT FROM MY CREDIT REPORT. I DON'T KNOW WHERE THIS COMPNAY CAME FROM, OR WHO THEY ARE XXXX  Opened XX/XX/16 Balance {$630.00} Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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: AL

Complaint narrative:
THE BELOW ACCOUNT DOESN'T BELONG TO ME, I HAVE CONTACTED THEM MANY TIMES AND THEY HAVE NOT REMOVED IT FROM MY CREDIT REPORT. I DON'T KNOW WHERE THIS COMPNAY CAME FROM, OR WHO THEY ARE XXXX  Opened XX/XX/16 Balance {$630.00} Account # 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 2020-05-28 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: MD

Complaint narrative:
I borrowed {$1100.00} on XX/XX/2020 they are charging me {$3600.00} which amounts to 412 % interest. I had no idea, they would charge this much I am a XXXX year old veteran on fixed income. What can be done?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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: TX

Complaint narrative:
These are not my accounts, addresses on file, nor did I authorize these companies to pull my credit. Please remove them.

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 2020-05-28 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: TX

Complaint narrative:
These are not my accounts, addresses on file, nor did I authorize these companies to pull my credit. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have disputed 6 unauthorized inquiries with Equifax three different times on XX/XX/2020, XX/XX/2020 and XX/XX/2020. Each time they have responded by providing a result that states " inquiries are a factual record of file access '' and each time, I have rebutted this response by advising I am NOT disputing the fact that inquiries aren't a factual record of file access but rather they were NOT authorized by me. They also advised for me to reach out to the creditors for additional information. However, I've contacted these companies time and time again and they have informed me that they have no open accounts and no evidence that I initiated the inquiries, either written or otherwise, and could not provide me with a permissible purpose. They then direct me back to the credit bureau who again is advising that there is nothing they can do to help me. 

*Please note that these inquiries were disputed over the phone each time. After the second attempt, I requested the credit reporting agency 's method of verification authorizing credit inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
On XX/XX/2020 I signed up for the American Express Financial Relief Program via chat. I thought the program would lower my interest rate temporarily for my Delta Gold Card but I had no idea that American Express would close my Gold Card ( charge card ) as a result. I misunderstood the person via chat and it's not listed anywhere on their website that they will cancel your charge card. When I began the process I told that my Gold card wasn't eligible for the program and if I still wanted to proceed, but I wasn't told that American Express would be canceling my charge card. I thought it meant only the Delta Gold card would receive a lower interest rate. Anyway, after I consented I was informed that my charge card was being cancelled. I asked the customer service rep to cancel. I was informed that it could not be undone. I've contacted customer service and was on hold for over 40 minutes before I reached someone. I was told the office was closed and I would have to speak with someone tomorrow. I was also told I could be removed from the program but I still don't know which is true. Either way, this was extremely deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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: AL

Complaint narrative:
THE BELOW ACCOUNT DOESN'T BELONG TO ME, I HAVE CONTACTED THEM MANY TIMES AND THEY HAVE NOT REMOVED IT FROM MY CREDIT REPORT. I DON'T KNOW WHERE THIS COMPNAY CAME FROM, OR WHO THEY ARE XXXX  Opened XX/XX/XXXX Balance {$630.00} Account # 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 2020-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MARINER FINANCE, LLC
State: PA

Complaint narrative:
I couldnt pay the loan and the car was a lemon, now theyre just doing hard inquiries on my credit without my consent. 
Mariner finance located in XXXX pa.

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 2020-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I check My Credit and I notice that someone Has been Using My personal Information for their Benefit I believe it the same person which stole my Valuable Items, which I made a police Report for Attached with this report you will find my Police report. I did not authorize nor give anyone Consent for these Accounts to be Open. This is Fraud!!! please Help me Resolve this matter, this is very Stressful This is Crazy How Can People do This Fraud Without My Consent Companies need to Do their Due Diligence before they allow just anyone to open these Account

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