vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-11 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:
I check my credit somewhat infrequently. Today I was trying to apply for new credit cards to help with my month to month expenditures. I have been using this creditkarma website for a few years now. I saw that my credit score had been very different. I have 2 different scores. I froze my credit on 2 of the 3 major credit reporting agencies. The one I had difficulty with was Transunion. Transunion has a car loan that does not belong to me, a wrong last name, wrong address, and wrong mobile number. I have received student loans, and financial aid with my Social security and my name. I have my original social and know that my information is correct. But all of a sudden there are loans that should not be there. I tried to get the information fixed. Like how maybe it was an improper merge? However the person lives in the same city and not too far from me, from what the address of the individual who is not me has on my credit report. I can't log into one of the credit reporting agency websites because it asks me about loans and locations I never applied for. I need help desperately please.

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 2019-08-11 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: CA

Complaint narrative:
I check my credit somewhat infrequently. Today I was trying to apply for new credit cards to help with my month to month expenditures. I have been using this XXXX   website for a few years now. I saw that my credit score had been very different. I have 2 different scores. I froze my credit on 2 of the 3 major credit reporting agencies. The one I had difficulty with was XXXX. XXXX has a car loan that does not belong to me, a wrong last name, wrong address, and wrong mobile number. I have received student loans, and financial aid with my Social security and my name. I have my original social and know that my information is correct. But all of a sudden there are loans that should not be there. I tried to get the information fixed. Like how maybe it was an improper merge? However the person lives in the same city and not too far from me, from what the address of the individual who is not me has on my credit report. I can't log into one of the credit reporting agency websites because it asks me about loans and locations I never applied for. I need help desperately please.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I check my credit somewhat infrequently. Today I was trying to apply for new credit cards to help with my month to month expenditures. I have been using this XXXX   website for a few years now. I saw that my credit score had been very different. I have 2 different scores. I froze my credit on 2 of the 3 major credit reporting agencies. The one I had difficulty with was XXXX. XXXX has a car loan that does not belong to me, a wrong last name, wrong address, and wrong mobile number. I have received student loans, and financial aid with my Social security and my name. I have my original social and know that my information is correct. But all of a sudden there are loans that should not be there. I tried to get the information fixed. Like how maybe it was an improper merge? However the person lives in the same city and not too far from me, from what the address of the individual who is not me has on my credit report. I can't log into one of the credit reporting agency websites because it asks me about loans and locations I never applied for. I need help desperately please.

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 2019-08-11 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: Security Credit Services, LLC
State: GA

Complaint narrative:
In XXXX of XXXX I pulled my credit report and discovered accounts that I never opened. I immediately reported this to the FTC, my local police department, and placed fraud alerts with major credit bureaus. XXXX was one of the accounts listed that was obtained fraudulently. I immediately contacted XXXX via phone and they were resistant to listen. I followed their instructions and sent them a copy of the identity theft affidavit, FTC Identity Theft report, the local Police Department report and asked them to remove this information from my credit report. I never received a response however the account was placed in closed status on my credit report and then I began receiving calls from a debt collector they turned it over to after being notified that this account was opened fraudulently and I was a victim of Identity Theft. I also sent the info to the debt collector and they stopped collection attempts. A year later the information is still on my credit reports and I have again sent a request to XXXX by certified mail in XX/XX/XXXX requesting the information be removed and included all police reports and  supporting documentation. I also sent the information to each credit bureau. XXXX again did not respond to me and confirmed the information as accurate with no changes to the credit bureau. A few days later a new debt collector began calling me in reference to this account. I explained to them that it was illegal for them to began collection attempts after being notified that this debt is from identity theft. They told me that the account was just turned over to them for collection and recovery by XXXX a few days ago. They even made a statement that XXXX was doing unfair and unlawful business practices by making them attempt to collect and not telling them I was a victim of identity theft. These business practices are completely unacceptable and it is unfair for a true victim to have to suffer for so long with incorrect information being reported on their credit report by a company that refuses to acknowledge true documentation they have received several times to do the right thing and follow the law. I want this account removed from my credit reports immediately as I feel I have suffered long enough despite my efforts to follow your policies and the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian continues to allow erroneous and inaccurate information on my credit report regarding a XXXX XXXX account. There are numerous issues with this account. Experian has allowed the re-aging of the account to show a later delinquency than the original delinquency. Two attempts to dispute the item were met with no real investigation and claims the item was verified with the latest attempt occurring on XX/XX/2019. XXXX is providing inconsistent and inaccurate reporting through the three credit bureaus. If the information being furnished is accurate why is the reporting different between each bureau? Furthermore a charge-off is a one time event so why is it being reported every month as a new charge-off? A charged-off account is written off and should also not have a past due balance. Please refer to the attachment for all the inaccuracies.

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 2019-08-11 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I disputed against my XXXX account 3 times and every time I have furnished papers stating I paid the amount in full. I am still getting paid less than balance. I want the entire account information deleted.

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 2019-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I have never received any verification of debt. They appear on my Credit Reports, However never contacted me, never sent me any letters as to who they are and why they are on my credit reports. I contacted this company and their response was that I owed them {$570.00} from an account from 2013. I do not recall owing on any account from 2013. Their response was very vague and not informative at all. I even tried to pay in full as long as they would delete this from my credit report and they told me that, that was impossible to do. They are basically holding my credit scoring in a horrible situation as this is my only negative account. Meanwhile they will not provide me with any verification on this so called account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 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: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX continues to allow erroneous and inaccurate information on my credit report regarding a Macy 's account. There are numerous issues with this account. XXXX has allowed the re-aging of the account to show a later delinquency than the original delinquency. Two attempts to dispute the item were met with no real investigation and claims the item was verified with the latest attempt occurring on XX/XX/2019. Macys is providing inconsistent and inaccurate reporting through the three credit bureaus. If the information being furnished is accurate why is the reporting different between each bureau? Furthermore a charge-off is a one time event so why is it being reported every month as a new charge-off? A charged-off account is written off and should also not have a past due balance. Please refer to the attachment for all the inaccuracies.

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 2019-08-11 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX continues to report erroneous information on my credit reports. The account is reporting a charge-off as the first entry in the payment history and shows shows incorrect opening dates. The accounts also has been re-aged with the credit bureaus which is a clear violation and it makes it appear as if they are newer than they should be. I have disputed the XXXX XXXX XXXX account on my credit report two separate times with the latest attempt on XX/XX/2019. If the information being furnished is accurate why are there different dates reported? The results are that these disputes are still being furnished as verified despite no real investigation being done.

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 2019-08-11 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: CA

Complaint narrative:
XXXX XXXX XXXX continues to report erroneous information on my credit reports. The account is reporting a charge-off as the first entry in the payment history and shows shows incorrect opening dates. The accounts also has been re-aged with the credit bureaus which is a clear violation and it makes it appear as if they are newer than they should be. I have disputed the XXXX XXXX XXXX account on my credit report two separate times with the latest attempt on XX/XX/2019. If the information being furnished is accurate why are there different dates reported? The results are that these disputes are still being furnished as verified despite no real investigation being done.

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 2019-08-11 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Dynamic Recovery Solutions, LLC
State: NY

Complaint narrative:
I am in receipt of a notice dated XX/XX/2019 from Dynamic Recovery Solutions on behalf of XXXX XXXX XXXX , XXXX to collect a debt of an outstanding balance is {$580.00}. 

Dynamic Recovery Solutions has stated I can settle for {$140.00} or for {$170.00} in 3 payments of {$58.00}. They have also suggested if I do not pay this debt ; it will be reported to the credit reporting agencies. 

As I have stated in previous complaints with CFPB ; I do not recall having medical services to which I owe this debt. I dispute the validity of this entire debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: RI

Complaint narrative:
This all started with XXXX when I received a bill earlier this year for medical expenses of {$140.00} from services received on XX/XX/XXXX for my daughter that was already paid by my Health Savings Account ( HSA ) Bank   automatically on my behalf on XX/XX/XXXX. ( I have automatic claim forwarding where a check or ACH payment is made automatically for what I owe from my HSA from my HSA bank  ( XXXX XXXX  ) ). I submitted a copy of my HSA statement to prove that the debt was paid. I continued to get calls about the debt and told XXXX that I sent a copy of my statement to prove that the debt was paid. The last associate I spoke to, on a recorded line, stated that she found my payment but that it was coded incorrectly and would need to be sent back to administration to be fixed. I was assured that a cancelled check to further prove payment was not needed and that the account would not go to collections. A month later, I received a validation of debt letter from IC Systems claiming that I owed XXXX {$140.00} that was not paid. This is the same debt that I spoke to XXXX about previously and submitted my bank statement to prove payment. I then disputed the debt and sent a copy of the statement proving payment to XXXX to IC Systems. I received yesterday, XX/XX/XXXX, a letter from IC Systems that the debt was valid and that I owed {$140.00}. I am furious and am going on vacation with my family. I now have to take time away from my family to call my HSA bank to request a copy of a cancelled check, from ten months ago, to further prove that I do not owe {$140.00}, the debt was paid, the check was cashed by XXXX and was not correctly posted to my account. It saddens me that I have to go through such great lengths to prove that a debt for a medical expense from last year was paid ten months ago. I am also concerned that this may be on my credit report as a debt and would be inaccurate as the debt was paid. I am attaching a copy of my bank statement which clearly shows that a {$140.00} check was cashed from my account that was sent to XXXX for a claim on XX/XX/XXXX on page 2.

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 2019-08-11 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
For several years now I have been trying to get XXXX XXXX XXXX XXXX and XXXX XXXX XXXX to remove the FRAUD accounts that were opened by XXXX XXXX. I have supplied the Credit Reporting Agencies with the police report and FTC fraud affidavit and said they had to remove the block this is not right they fail to show me where i opened either one of the account and at the time was working overseas for the XXXX. So i am requesting that the fraud accounts be blocked and removed per statue FRCA 605B USC 15. Its like they can show a statement and they have enough evidence no the need to prove it or remove it. 


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 non-monetary relief
Consumer complaint received 2019-08-11 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: CO

Complaint narrative:
For several years now I have been trying to get XXXX XXXX XXXX XXXX and XXXX XXXX XXXX to remove the FRAUD accounts that were opened by XXXX XXXX. I have supplied the Credit Reporting Agencies with the police report and FTC fraud affidavit and said they had to remove the block this is not right they fail to show me where i opened either one of the account and at the time was working overseas for the XXXX. So i am requesting that the fraud accounts be blocked and removed per statue FRCA 605B USC 15. Its like they can show a statement and they have enough evidence no the need to prove it or remove it. 


XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 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: ID Analytics, Inc.
State: CO

Complaint narrative:
ForseveralyearsnowIhavebeentryingtogetXXXXXXXXXXXXXXXXandXXXXXXXXXXXXtoremovetheFRAUDaccountsthatwereopenedbyXXXXXXXX.IhavesuppliedtheCreditReportingAgencieswiththepolicereportandFTCfraudaffidavitandsaidtheyhadtoremovetheblockthisisnotrighttheyfailtoshowmewhereiopenedeitheroneoftheaccountandatthetimewasworkingoverseasfortheXXXX.SoiamrequestingthatthefraudaccountsbeblockedandremovedperstatueFRCA605BUSC15.Itsliketheycanshowastatementandtheyhaveenoughevidencenotheneedtoproveitorremoveit.


XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: WV

Complaint narrative:
This started with the XXXX  credit bureau. On my credit report it detected a DORMANT Macy 's activity on XX/XX/19. I think it started out with only {$78.00} and change. It's now up to XXXX and change. Like I've told them, it's no problem for me to pay if it were my bill, but it's not so I'm not paying it. I have shouted to the rooftops over and over to this day that I do have that card and have never used it at all. I began a dispute with all three credit bureaus the very next day XX/XX/19 and since I'm new with that, my first mistake was including cleaning up everything else in the reports so they ignored my Macy 's dispute. I finally filed a FRAUD report on XX/XX/19 on Macy 's. They did what they're supposed to do, locking my account for one year and letting me know I can extend it to seven years, etc. BUT no investigation. I had to file disputes against Macy 's at least 3 times or so and each time it came back however the results say that I'm responsible. I went to Macy 's and had a chat with them 2 different times ( I'm deaf ). I saved the transcript, faxed them to the credit bureaus and nothing yet but XXXX seems like they do want to help. They wrote back and said my fax was too blurry and asked me to send everything by postal mail which I'm going to do today. It would've been much sooner had I not have so many health issues , dr appointments out of town and in town, and so on and so forth. But today is the day I'm getting everything printed, copied and mailed. I just happened to see your site and this is hopefully my nail in the coffin with all my hard work since this all started in XX/XX/XXXX. Macy 's is very uncooperative. They refuse to tell me any type of paper trail of how the transaction occurred, who paid any bills, etc. They did manage to tell me the transaction in XX/XX/XXXX was for a pillow! I said no way would I ever purchase a pillow online,, that is something I need to purchase right there in a store, to feel it to see if it's comfortable, etc. The chat agent hurried up and disconnected before I had a chance to tell her no, I can not call that number I am deaf. Then I inititated another chat right away to say just that and the next agent did the very same thing, cut me off while I was saying hey don't do that to me! So the credit bureaus were NOT investigating at all, just going by Macy 's word, and Macy 's never cooperated and still isn't. Meanwhile, my credit score has taken a major plunge. This has been a total nightmare. I had just built my credit score up to close to 700, now it's down somewhere in the 500 's, I don't even want to look at it, it makes me sick.

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