vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-06 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: AR

Complaint narrative:
My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX  and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my 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 2020-07-06 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:
I am completely dissatisfied with this company called XXXX XXXX XXXX XXXX, Experian, & XXXX XXXX XXXX. I have contact them and Experian MULTIPLE times over the years for them to remove themselves from my credit report. I sent the credit bureau the police report attached where my property, identification, and social was stolen back in XXXX. This company has been reporting on my credit since XXXX!!! Just in the last year I have sent them XXXX different letters for removal from my credit report. Letters where dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and finally XX/XX/XXXX. All with the police report attached showing my identification was stolen along with proof of my address at the time. I have NEVER had an account with this company!!!!! Experian, XXXX XXXX, XXXX not XXXX XXXX XXXX have sent me any PROOF, as in when or how, that these accounts were validated to be mine. They have nothing with my signature on it stating the accounts to be mine!!!!

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 2020-07-06 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: CL Holdings LLC
State: GA

Complaint narrative:
I am completely dissatisfied with this company called XXXX XXXX XXXX XXXX, XXXX, & Jefferson Capital Systems. I have contact them and XXXX MULTIPLE times over the years for them to remove themselves from my credit report. I sent the credit bureau the police report attached where my property, identification, and social was stolen back in XXXX. This company has been reporting on my credit since XXXX!!! Just in the last year I have sent them XXXX different letters for removal from my credit report. Letters where dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and finally XX/XX/XXXX. All with the police report attached showing my identification was stolen along with proof of my address at the time. I have NEVER had an account with this company!!!!! XXXX, XXXX XXXX, XXXX not Jefferson Capital Systems have sent me any PROOF, as in when or how, that these accounts were validated to be mine. They have nothing with my signature on it stating the accounts to be mine!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I was trying to link my PNC Bank Student debit account to XXXX so I could fund my account and start investing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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: CA

Complaint narrative:
Hi. I don't know what's going on but I disputed accounts that weren't mine or weren't accurate with the credit bureaus back on XX/XX/XXXX. I never got any notices and I feel like its been a really long time. I read that the credit bureaus only have 30 days to give me a notice back with responses and its been far longer than that. I also sent them my license and social security card so they knew who I was. 

I just recently sent them a second notice last week but I don't know if I'll be ignored again. 
Please help me get some results back.

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 2020-07-06 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: CA

Complaint narrative:
Hi. I don't know what's going on but I disputed accounts that weren't mine or weren't accurate with the credit bureaus back on XX/XX/XXXX. I never got any notices and I feel like its been a really long time. I read that the credit bureaus only have 30 days to give me a notice back with responses and its been far longer than that. I also sent them my license and social security card so they knew who I was. 

I just recently sent them a second notice last week but I don't know if I'll be ignored again. 
Please help me get some results back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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: AR

Complaint narrative:
MY WIFE AND I HAVE BEEN A VICTIM OF IDENTITY THEFT. WE PULLED OUR CREDIT BECAUSE WE KEPT GETTING CALLS ABOUT A DEBT WE OWED FROM A RENTAL PROPERTY. WE HAVE NO IDEA WHAT THIS DEBT IS ABOUT. THERE ARE SEVERAL THINGS ON OUR CREDIT THAT DO NO BELONG TO US AND THAT WERE OPEN UNDER JOINT ACCOUNTS WITH OUR NAMES AND SOCIAL SECURITY NUMBERS. PLEASE REMOVE THESE FRAUDULENT ITEMS FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TX

Complaint narrative:
I have been attempting to validate suspicious activity on my credit report. In the process of doing this, I submitted XXXX request for debt validation XX/XX/XXXX & XX/XX/XXXX to Enhanced Recovery LLC for a collection from " XXXX '' the amount of {$780.00} and requested they only contact me by mail. The only response provided from the debt buyer were invoices dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They have been unable to provide me with the original contract, account history, and other documents requested. This company, which I hold no contract with, nor have recovered services from, reported a collection account against my SSN with XXXX, XXXX, and XXXX credit reporting agencies. They have failed to provide me with adequate proof and I am not obligated to pay for this alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
Ally Financial XXXX XXXX XXXX I have previously complained about Ally Financial in regards to this Vehicle. 
1 vehicle was in XXXX, Paid in XX/XX/XXXX by insurance company had a balance of {$440.00}. paid this XX/XX/XXXX they now say on my credit report that I was late in XXXX of XXXX and XXXX of XXXX and that car was paid in XXXX XXXX but Ally has it as a closed account and not as paid as agreed or paid in full. since they closed my account my credit score dropped 26 points. I believe that if the show on time payment for XXXX and XXXX and show that car was paid in full my credit score would be better to get a lower interest rate on another vehicle. this does not reflect only my self but I was to be the cosigner and not the account holder as I was helping my son to improve his credit.. previous complaint number 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 2020-07-06 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: VA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. I HAVE FRAUD ACOUNTS, ADDRESSES AND INQUIRIES. PLEASE REMOVE THESE ITEMS ASAP. PLEASE SEND ME AN UPDATED COPY OF MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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: MI

Complaint narrative:
XXXX XXXX came to my door and asked for my SS # to pull my credit in 2019. I refused. I found out later, via an alert on my Experian credit report, that they had somehow still pulled it without my permission and without me providing my SS #. 

Experian refuses to remove the hard credit inquiry, which hurts credit scores, from my credit report. Experian is violating federal law. 

Hard inquiries, whether they're requested by a lender or landlord, can only be pulled with your permission. 

XXXX  credit inquiry was a hard inquiry. I did not give them permission. I never even initiated any type of contact with XXXX. Experian needs to remove the credit inquiry from 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 2020-07-06 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
The need to REMOVE themselves from my credit report IMMEDIATELY!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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 WANTED TO BUY MY XXXX YEAR OLD SON A NEW CAR FOR HIS BIRTHDAY. I GOT MY CREDIT PULLED AT THE DEALERSHIP. THERE WAS STUFF ON MY CREDIT THAT I HAVE NEVER SEEN BEFORE. PLEASE REMOVE THESE THINGS FROM MY CREDIT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SIERRA PACIFIC MORTGAGE
State: MD

Complaint narrative:
I opted in for a forbearance with my mortgage company Sierra Pacific earlier this year due to COVID19 however, I NEVER stopped paying my month 's balance due and was never late. On XX/XX/2020 I requested to be taken off of forbearance under my account and credit reports. It has been over a month now and Sierra Pacific still has not notified the credit bureaus of this and it is heavily impacting my credit reporting. I have called them and asked to expedite and remove this however they are giving me the run around. It has been over a month and this continues to hurt my ability to take out new loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
I had an original payday loan from XXXX XXXX. It was bought by XXXX XXXX XXXX  which I saw listed on my credit report, so I called and settled this outstanding account with them. I received the paperwork confirming my debt has been settled. 

I received an email from an " XXXX  XXXX XXXX XXXX  XXXX '' from a XXXX XXXX saying that they will send me a summons to court for non-payment and lack of response. They are asking for a credit or debit card number to settle it for {$980.00}, which they later revised to {$750.00}. The email to respond to was XXXX and XXXX. I responded with a copy of the letter from XXXX XXXX XXXX ( about my account being paid ) and this person from ACE said that they know about my settlement, but these are legal fees. I said I would look into the account further. 

This person has become increasingly aggressive, asking when I can provide my card info. I asked for their financial department if a money order can be used ( to protect my information ). They said they only accept debit or credit. They have kept sending me emails within the hour, threatening to proceed with legal action. 

I consulted with a lawyer from XXXX XXXX about this case who thinks this may be a fraudulent company. The lawyer said that once a debt is paid, it is paid. I am waiting for a letter from XXXX XXXX to assist me in this case. I also wrote an email to XXXX XXXX to ask if they are affiliated with " ACE '' and to assist me with updating my account, if it is still being distributed to outside channels for non-payment even though I had settled it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Client Services, Inc.
State: WI

Complaint narrative:
On XX/XX/XXXX contacted XXXX XXXX, XXXX XXXX XXXX and Client services for XXXX  XXXX and XXXX XXXX XXXX, have filed disputes with all 3 credit reporting agencies about accounts paid in full and upon payment agreement was they were to update accounts from negative to positive, and XXXX XXXX last reporting activity was XX/XX/XXXX, and no updates XXXX XXXX was included in bankruptcy filed in XXXX and discharge in XX/XX/XXXX but XXXX XXXX is still on my credit reports and the reporting agencies, I have sent all documents supporting the information and this is impacting my credit score for buying a home

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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: TN

Complaint narrative:
PLEASE BE ADVISED THAT I AM A VICTIM OF ID THEFT. I AM WRITING TO REQUEST THAT YOU BLOCK THE FOLLOWING FRAUDULENT INFORMATION FROM MY CREDIT REPORT. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO IDEA KNOWLEDGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF THE IDENTITY THEFT.6565 According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
PLEASE BE ADVISED THAT I AM A VICTIM OF ID THEFT. I AM WRITING TO REQUEST THAT YOU BLOCK THE FOLLOWING FRAUDULENT INFORMATION FROM MY CREDIT REPORT. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO IDEA KNOWLEDGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF THE IDENTITY THEFT.6565 According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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 2020-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Hello, I am contacting you regarding my Citibank checking account that was unfairly closed on XX/XX/XXXX.My account was positive with a balance of {$1000.00} that I have never received. I was told over the phone and a letter I received that they will issue an official check for that balance to the address on file. As of XX/XX/XXXX, I have never received any funds and I need that money to pay my rent and other bills. 

I have banking with Citibank the past 8 years. My account was always in good standing and I never have any issue with them or other financial institutions. 
They closed my account because I received 2 wire transfers from a friend on XX/XX/XXXX and XX/XX/XXXX for the amount of {$5000.00} each.They said my account will be temporary closed for investigation due to the reason I received 2 wires transfers. 
I can guarantee I am never involved in a fraud activity or money laundry and I have all the necessary documents to provide for justification.Citibank  never get back to me. Each time I reach out to them, they provide me a different answer.I can not access my account online and they don't give me an update after investigation. They just simply closed my account and didn't provide any check.I was back and forth with them for over a year now. 

Please investigate! I need Citibank to issue me a check for the balance of {$1000.00} that was in my account. 

I am looking forward hearing you. 

Best regards,

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 2020-07-06 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: AR

Complaint narrative:
MY WIFE AND I HAVE BEEN A VICTIM OF IDENTITY THEFT. WE PULLED OUR CREDIT BECAUSE WE KEPT GETTING CALLS ABOUT A DEBT WE OWED FROM A RENTAL PROPERTY. WE HAVE NO IDEA WHAT THIS DEBT IS ABOUT. THERE ARE SEVERAL THINGS ON OUR CREDIT THAT DO NO BELONG TO US AND THAT WERE OPEN UNDER JOINT ACCOUNTS WITH OUR NAMES AND SOCIAL SECURITY NUMBERS. PLEASE REMOVE THESE FRAUDULENT ITEMS FROM MY 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 2020-07-06 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: AR

Complaint narrative:
MY WIFE AND I HAVE BEEN A VICTIM OF IDENTITY THEFT. WE PULLED OUR CREDIT BECAUSE WE KEPT GETTING CALLS ABOUT A DEBT WE OWED FROM A RENTAL PROPERTY. WE HAVE NO IDEA WHAT THIS DEBT IS ABOUT. THERE ARE SEVERAL THINGS ON OUR CREDIT THAT DO NO BELONG TO US AND THAT WERE OPEN UNDER JOINT ACCOUNTS WITH OUR NAMES AND SOCIAL SECURITY NUMBERS. PLEASE REMOVE THESE FRAUDULENT ITEMS FROM MY 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 2020-07-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2020 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-06 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 WANTED TO BUY MY XXXX YEAR OLD SON A NEW CAR FOR HIS BIRTHDAY. I GOT MY CREDIT PULLED AT THE DEALERSHIP. THERE WAS STUFF ON MY CREDIT THAT I HAVE NEVER SEEN BEFORE. PLEASE REMOVE THESE THINGS FROM 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