vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-11 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: PA

Complaint narrative:
i have no knowledge of this account according to the FCRA this item must be 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 2021-01-11 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: PA

Complaint narrative:
i have no knowledge of this account according to the FCRA this item must be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
I filed a dispute with XXXX, XXXX, and XXXX  in regards to the incorrect items on my credit reports. It has been well over 30 days, and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: Accelerated Financial Solutions, LLC
State: GA

Complaint narrative:
I filed a dispute with XXXX, XXXX, and XXXX  in regards to the incorrect items on my credit reports. It has been well over 30 days, and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: Shellpoint Partners, LLC
State: DE

Complaint narrative:
Primary holder Deceased Information was reported on my credit file not knowing the outcome of the mortgage

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
In the fall of XXXX in XXXX or XXXX service was rendered at the doctors office and submitted to my insurance company. This was supposed to be paid by my insurance but In the months that followed which is now year XXXX during the month XXXX I was notified of non-payment from my medical office. I contacted my insurance where I was informed the medical office submitted the wrong code for payment and had to be resubmitted with the right code to be paid. I notified the medical office and gave them the information from the insurance company. I figured everything was finally cleared up when I noticed this month XXXX that it has been sold to a collection agency because its now on my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: TN

Complaint narrative:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX  has placed derogatory information on my credit bureau regarding an account belonging to my father XXXX XXXX XXXX. My name is XXXX XXXX XXXX XXXX and I have never opened an account or had an account with XXXX XXXX XXXX XXXX. They continue to report this account negatively in my credit file and Chex Systems. I have disputed this twice yet they keep it on. I am once again disputing this item under Section 609 of The Fair Credit Reporting Act which requires specific information to be supplied or the item must be deleted. To date BOTH Chex Systems  and XXXX XXXX XXXX XXXX have failed to comply with my requests. Please enforce section 609  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 2021-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
I sent a money transfer via moneygram at an in store location to my reciever and he was told that the transaction was canceled. When I tracked the transaction it said the money was picked up. I called moneygram and I was asked for the address and phone number of the store and was told my complaint would be escalated. My receiver was told on two different occasions that he went to speak to the director that I would have my money returned to me within days. It has been more than 10 days and I had to dispute the charges with my bank. Moneygram had issues with thier systems. I was sent a screen shot of the error their computer gave when trying to track the transaction. This is the tracking number : XXXX. The directors name who spoke to my receiver XXXX XXXX, is Mr. XXXX. Address XXXX XXXX XXXX XXXX Phone number is XXXX XXXX XXXX XXXX XXXX. I spoke to a man named XXXX at the moneygram escaltion department. No one has reached out to me or contacted me. And now I can not even log into my moneygram account. This transaction was created on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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:
On XX/XX/2020, I sent a letter to the credit Bureaus regarding inaccurate and unknown information reporting on my consumer report. I am deeply frustrated at this point because its been over 60 days and I feel like I am being ignored and taking advantage of without fair investigation to ensure I have 100 % accuracy of information reporting on my consumer report. They're in violation of FCRA, I have not signed a contract or written agreement giving permission to credit reporting agencies to furnish any data to anyone which is infringing on my right to privacy. I demand these accounts to be removed immediately. 

The Fair Credit Reporting Act, 15 U.S.C. 1681a sec.604a Any consumer reporting agency may furnish a consumer report in accordance with written instructions of the consumer to whom it relates.

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 2021-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to inform you about an error on my credit report and request that you provide me with verifiable proof or delete the record immediately. I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per the FCRA, only accurate and timely information may be listed on my credit report. Section 609 of the FCRA gives me the right to see what the court sent to your credit reporting agency as evidence that the information is correct. Bankruptcy ( Discharged XXXX ) I found such inaccuracy in bankruptcy in credit report : Reference Number is incorrect ; No contact information If you are unable to verify the account. The information should be removed from my credit report. Thank you for your help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I reported my credit cards as stolen. I called citi bank as soon as I was aware of the theft. Cards are in my office desk drawer and the office was closed due to Covid so I didn't know they were gone as quick as I would if the office was open. At my call they told me they would send me the paperwork and a new card. This never happened. I called them several weeks later because I was getting calls from furniture companies where someone had used the card in my name to order. I called citi again to tell them the card was still active and not to process it. I was informed they could not speak to me because I didn't have a code. I tried explaining 4 times that someone had stolen my cards, I had filed a police report for all the missing cards, not just there's. They not only mailed the thieves a new card, but the dispute paperwork. They refuse to talk to me and continue to allow someone else to run up bills I am sure they have no intention of paying till they max out the cards. Because I don't know the code I can't cancel the cards.

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 2021-01-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc
State: TX

Complaint narrative:
Received a letter stating that I owe a debt which I have disputed and requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this company. Pending the outcome of my investigation of any evidence that the company submit, I have instructed to take no action that could be detrimental to any of my credit reports. I have ask the company to respond to me in 30 days or I will purse a small claims legal action against the company. I have paid a medical bill directly to my specialist office and I have contacted my medical insurance company and was informed one of the debts in the amount of {$15.00} is not valid, my insurance carrier states they have no record of the amount being submitted to them for 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 2021-01-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I filed a dispute with XXXX, XXXX, and XXXX  in regards to the incorrect items on my credit reports. It has been well over 30 days, and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4900.00}, {$1500.00}, {$18000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 

2. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1500.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my 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
Consumer complaint received 2021-01-11 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I dispute and request investigation with late payment reported by Barclays. I have had this issue with this company numerous times in the past. I set up the automatic payment method through their application made possible through the android store. Payments would go through automatically as planned but every few months the payment would not be automatically deducted and would occur late fees, I would call and they apologize and credit the late fees, I again set up the app and continue making automatic payments. The app went through and update and my payment was late again for for the month of XXXX unfortunately I did not catch it in time to call before the 30 days were up. I am not asking for any type of credit but during this Covid 19 pandemic I should not have to worry about a giant companies app not properly working and causing a negative reporting on my credit, while we try to not loose our homes and jobs due to current situations. I ask that they remove the negative reporting to my credit. If you have any questions I can be reached at XXXX to answer any questions

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 2021-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to inform you about an error on my credit report and request that you provide me with verifiable proof or delete the record immediately. I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per the FCRA, only accurate and timely information may be listed on my credit report. Section 609 of the FCRA gives me the right to see what the court sent to your credit reporting agency as evidence that the information is correct. Bankruptcy ( Discharged CH-XXXX ) I found such inaccuracy in bankruptcy in credit report : Reference Number is incorrect ; No contact information If you are unable to verify the account. The information should be removed from my credit report. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
It seems wells fargo had extended my closed bank account & was grosly overdrafting my account & over charging for over draws I've already resolved this issue but it's on 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 2021-01-11 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: GA

Complaint narrative:
I have attached all my letters sent to the company along with their response after lying about an investigation which is a violation of FCRA. According to FCRA 611 ( 1 ) ( a ) ( 1 ), you have 30 days to complete an investigation and within these same 30 days you MUST update the DATE LAST REPORTED to signify that you indeed completed an investigation. The date last reported still reflects XX/XX/XXXX. How is this possible if you just did an investigation on XX/XX/XXXX? I pulled a copy of my report on XX/XX/XXXX and it reflects XX/XX/XXXX as the DATE LAST REPORTED as well under adverse accounts.

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 2021-01-11 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:
My name is XXXX XXXX XXXX XXXX my father is XXXX XXXX XXXX. XXXX, XXXX and Transunion have continued to combine my credit file with my fathers and continue to allow creditors to continue making derogatory reports DESPITE being noticed under Section 609 of The Fair Credit Reporting Act. Please see additional notice under Section 609 FCRA, which requires creditors to provide specific information such as written authorization to obtain credit information about me, contracts or agreements related to the alleged debt. Although previously noticed under Section 609 FCRA, XXXX, XXXX and Transunion have not required the creditors named in the attached letter to adhere to the specific requirements under Section 609 FCRA and have allowed the derogatory items to remain in my credit file despite being in continued violation of Section 609 FCRA. The creditors can not provide this information because I did not open accounts with any of these creditors. Failure to provide the specific information under Section 609 FCRA REQUIRES XXXX, XXXX and Transunion to de, set the specific items listed in my dispute under 609 FCRA. As of the submission of this complaint the items specified in the attached letter remain on my credit file. These items must be removed immediately for the violations under Section 609 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 2021-01-11 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:
My name is XXXX XXXX XXXX XXXX my father is XXXX XXXX XXXX. XXXX, Equifax and XXXX have continued to combine my credit file with my fathers and continue to allow creditors to continue making derogatory reports DESPITE being noticed under Section 609 of The Fair Credit Reporting Act. Please see additional notice under Section 609 FCRA, which requires creditors to provide specific information such as written authorization to obtain credit information about me, contracts or agreements related to the alleged debt. Although previously noticed under Section 609 FCRA, XXXX, Equifax and XXXX have not required the creditors named in the attached letter to adhere to the specific requirements under Section 609 FCRA and have allowed the derogatory items to remain in my credit file despite being in continued violation of Section 609 FCRA. The creditors can not provide this information because I did not open accounts with any of these creditors. Failure to provide the specific information under Section 609 FCRA REQUIRES XXXX, Equifax and XXXX to de, set the specific items listed in my dispute under 609 FCRA. As of the submission of this complaint the items specified in the attached letter remain on my credit file. These items must be removed immediately for the violations under Section 609 FCRA

Company response to consumer: Closed with explanation