vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX, Transunion, and XXXX  are reporting FRAUDULENT DEBT on my credit report from the COUNTY OF XXXX XXXX XXXX XXXX COUNTY OF XXXX XXXX DISTRICT CHILD SUPPORT SERVICES ( DCSS ) D-U-N-S # : XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, CA [ XXXX ], XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, in which I, Secured Party - Creditor - Holder-In-Due-Course, have Perfected Security Interest, LIEN recorded with the CA Secretary of State. The absconding DEBTORS agree to pay Secured Party {>= $1,000,000}. ( XXXX XXXX, XXXX XXXX & XXXX XXXX Dollars ) in Functional United States Currency, gold and/or silver equivalent by the ounce at current market value with daily interest of 9 % for Commercial Dishonor. 
See. https : 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 2020-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I paid the account credit card off in full end of XX/XX/2020 and with XXXX payment. XXXX bill said I owed another $ XXXX+ interest. Got another bill in XXXX with more interest and late charges ( was out of town for a couple of weeks end of XXXX ). Called Citi XX/XX/XXXX. They gave a credit of interest and late fees for 1 month and said for me to wait a couple of days and call back for remaining interest and fees credit and for credit to be processed. I called today XX/XX/XXXX to find Citi had NOT given me the stated credit and I now owe $ XXXX+.  Spoke with supervisor to try and resolve the problem. 
Bottom line, account was paid in full XX/XX/XXXX, Citi charged bogus interest on XXXX statement and before XXXX payment was even due charged more interest and late fees. Called back to get the additional credit to clear the account and previous credit which they said they would give they did not honor. I have good credit ( XXXX says very dependable ) so I think they are trying to stick me. If they do this to 10k customers, that is a hefty amount of money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-18 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 HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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 HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

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 2020-08-18 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: FL

Complaint narrative:
I have initial filed a dispute on XX/XX/2020 for inaccurate information being reported. On XX/XX/2020 I sent in another letter hoping to get acknowledge. As of today XX/XX/2020 I have not received any information regarding an investigation. It has been well over thirty days and I would like for a thorough investigation to begin immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
On or about XX/XX/2015 XXXX XXXX, as Trustee for the Benefit of XXXX XXXX XXXX XXXX XXXX XXXX, received a " loan payoff '' payment in the amount of {$760000.00} to liquidate my mortgage loan # XXXX following a foreclosure sale. 

At the time, the unpaid principal balance of the loan, inclusive of unpaid interest added to the principal in accordance with the loan terms, was {$740000.00}. As such, XXXX XXXX received {$25000.00} more than it was owed. The overpayment was confirmed by the " Prepayment & Loan Liquidation Report '' published XX/XX/2015 by XXXX XXXX XXXX XXXX XXXX XXXX, which reported the overpayment as a " net gain '' ( see attached ). 

I twice tried contacting XXXX XXXX regarding the overpayment ; and each time I received a generic response from Mr. XXXX XXXX advising me to contact Nationstar, the loan 's servicer, allegedly because XXXX XXXX had nothing to do with the foreclosure proceedings. 

However, it is undisputed that : ( a ) XXXX XXXX was the named plaintiff in the foreclosure action ; ( b ) The Clerk of Courts made the disbursement check payable to XXXX XXXX. 
( c ) XXXX XXXX reported to the Trust 's investors that the liquidation of my loan resulted in a 3.48 % " gain '' ( see attached ) ; and ( d ) Under Florida Law [ 45.032 ( 3 ) ( a ) ] surplus foreclosure proceeds  belong to the owner of record, and not the lender or its servicer. 

The CFPB needs to get involved, because we are approaching the 5-year statute of limitations for me or the Bureau ( or both ) to take legal action against XXXX XXXX for its civil theft of my surplus  foreclosure funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: TX

Complaint narrative:
I disputed inaccurate information with Equifax and XXXX  reporting agencies on XX/XX/2020 by mail. I sent proof from bankruptcy court and also received mail with information that been claimed is mines with another person name and phone. Im contacting to get help with this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I'm not familiar with this account and did not have the opportunity to dispute it, so please DELETE, Also, the account does not have the LAST DATE OF ACTIVITY, which is a violation. 

Please provide the following : Verification, Method of Verification, Validation of Debt, and Assignment of Debt. 

Midland Funding # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: PA

Complaint narrative:
I have written to dispute the reporting of my student loan on all three credit reports. I have attempted to correct this with all three credit reporting agencies and with XXXX XXXX XXXX XXXX. I spoke with XXXX XXXX again today and received another notice from TransUnion that they do not have to investigate the complaint as the details of my letter were not specific enough and I had recently filed a dispute so they did not have to investigate again. When I spoke with XXXX XXXX they state it is the credit reporting agencies, TransUnion, XXXX, and XXXX. The credit reporting companies state it is XXXX XXXX. 

There are two XXXX XXXX XXXX XXXX  being reported on each of the three credit reports. One is  correct with the all payments being reported as current. The second one of which a copy is attached to this letter, list the account as CURRENTLY PAST DUE GREATER THAN 120 DAYS. This student loan went through the rehabilitation approved process and the reporting of the loan was updated. During the update somehow two student loans began to be reported instead of one account.current.The second account should have been deleted from all three credit reporting agencies, XXXX, XXXX, and TransUnion. 

The reporting on XXXX  that are now reporting a student loan that was closed in XXXX with a XXXX  balance NOW has late payments reporting in XXXX and XXXX. The account is reported as being currently 120-149 days late as of TODAY and was closed with XXXX  balance is XXXX. 
The late payments on this account are over seven years from XXXX. I have worked diligently to rebuild this account to a good standing status. This loan went through the full rehabilitation process and the second account reporting reflects accurately what the account status should be. Under the terms of the rehabilitation process, the account that has the inaccuracies and late payments should be deleted from all three reporting agencies, XXXX, TransUnion, and XXXX, as per the Fair Reporting Act.  The correct one with the on-time payments should remain as the account status. 

This inaccurate and outdated reporting of two accounts is detrimental to my credit score and does not accurately reflect my current account status or the rehabilitation program I followed. I am very frustrated and do not have any idea who to seek futher help from to resolve this issue. I am appealing to you for help with this to get both of them to work on this error. 

If you have any questions, please contact me.

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 2020-08-18 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: FL

Complaint narrative:
On an account I had little or no activity in, they ( Macys ) incorrectly billed me and the bill did not arrive for me to pay. I would gladly have paid.As can be seen by the dates, I opened it on XX/XX/2015, the delinquent was reported XXXX and I closed it on XX/XX/2015. They had a billing problem at that time and I did not receive a bill. 
When I did, they reported it as delinquent. Some years later, I agreed to pay the entire balance if they would delete the report. I had not followed up to see if they deleted the report. In fact, they had not. It is still being reported as a " paid chargeoff '' which I dispute due to they had a billing problem, not my unwilling or able to pay the balance. 
Also, this is still being reported and affects my credit score.

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 2020-08-18 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: TN

Complaint narrative:
I HAVE ASK 2 TIMES TO REMOVE THESE ACCOUNTS THAT DO NOT BELONG TO ME THEY HAVE REFUSE MY NEXT STEP IS TO FILE SUITED

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: TN

Complaint narrative:
I HAVE ASK 2 TIMES TO REMOVE THESE ACCOUNTS THAT DO NOT BELONG TO ME THEY HAVE REFUSE MY NEXT STEP IS TO FILE SUITED

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 2020-08-18 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: MD

Complaint narrative:
I have been trying to have an account ( # XXXX ) with XXXX XXXX that is not mine removed from my credit file from TransUnion for over a year. However despite much evidence the company XXXX XXXX located XXXX XXXX XXXX, XXXX XXXX XXXX, IA XXXX placed this on my report refuses to remove. 


Despite multiple requests to review XXXX refuses to remove said account from my report and has caused me irreparable harm. 

XXXX not only refuses to agree with the removal but has made fraudulent statements to TransUnion and my attorney regarding this account. XXXX falsely claimed they Verified my signature. How do they verify my signature without my signature? 

XXXX failed to conduct minimal diligence despite sufficient evidence submitted to the contrary and multiple requests/disputes. ( Evidence attached of disputes filed in XXXX and XXXX ). One of the disputes attached is from XXXX who agreed to remove in XXXX. TransUnion refused to remove in both XXXX and XXXX. 

XXXX refuses to investigate my disputes and or acknowledge that I am not a signor on the account in question. I have provided above and beyond what is required to show the account is not mine and should be removed. 
XXXX XXXX was last point of contact at XXXX. 

I ask that you investigate the business practices of XXXX. Their failure to remove this account from my file has caused me personal and financial harm and they should not be permitted to operate in such an unscrupulous manner. 

I have also attached two letters ( witnessed and or notarized ) submitted to XXXX yet they still refuse to remove account from credit file.

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 2020-08-18 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I opted in a COVID-19 relief program under the Care Act and have accrued late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: Harris & Harris, Ltd.
State: NV

Complaint narrative:
I received a collections notice from Harris & Harris collections agency and a call as well, in XX/XX/2020. I was informed that I owed a total balance of {$5100.00} to XXXX Nevada XXXX XXXX. There were 2 accounts one in the amount of {$3700.00} and the second account was {$1300.00} both account were referred to Harris & Harris on XX/XX/2020. 

When I was contacted, i set up a payment arrangement, of {$100.00} a month to be deducted from my personal checking account and the payments are normally being withdrawn around the XXXX  of each calendar month. So payments have been made to and received by Harris & Harris against the total outstanding balance of {$5100.00}. I received a credit report text alert that my credit score had dropped 55 points due to the full balances being reported in collections. I called to discuss the balances that have been placed on my credit and the payments that I have made. I spoke with 3 representatives one of which was a supervisor, I advised them that it is unlawful to place the delinquent amount which is incorrect on my credit report I was told if paid it off that it would be fully deleted from my report. I was also told that they update the balance every month. Which does not take away from the fact that they are reporting {$5100.00} worth of past due accounts as an open collection on my credit report when that is not the amount that I owe. 

This is not the first issue I have had with Harris & Harris, I had also paid off another small account prior to the credit report date, and it was reported to my credit bureau report after it was paid in full. Which I disputed and was removed days later. I instructed Harris & Harris, I would not make any further voluntary payments until this issue has been resolved. 

I have included copies of bank statements which show XXXX transactions being deducted from my personal checking account between the XX/XX/XXXX and the XXXX of each calendar month starting in XXXX, XX/XX/XXXXpayment has also been deducted however my bank statement is not available yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
I purchased 4 utility vest from XXXX XXXX on XX/XX/2020 in the amount of {$100.00}. The order arrived in the middle of XX/XX/2020. I called customer service on the date the items were received and reported that it was my first time ordering from them and that every item I received was damaged or used. The customer service told me to return the items and use the return label provided in the packaging. I informed the customer service person that there is a fee for returns and that my order was damaged before I received it and she said that she would credit the full amount of the purchase but I must return all of the items. I returned them on the day I spoke with customer service. XXXX XXXX received the return on XX/XX/2020 and the return was processed on XX/XX/2020. I checked my credit card account and all of the funds were refunded and that resulted in a XXXX balance on my credit card with XXXX XXXX. Shortly after that my account was closed and then I started receiving a bill. I called several phone numbers provided by XXXX XXXX and the credit card stating that my account was closed. I could not log in to check anything because my credit card statement said the account was closed. I have spoken with all of the people necessary to correct this and all they do is send me a bill. Now my credit report states that I owe them and I do not have a single thing from them. I never paid them anything because the products were received damaged or defective. I received a call today/XX/XX/2020 from an unknown number and it was XXXX XXXX Comenity asking for payment. I refused and stated they need to check their records and not contact me again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am an identity theft victim. Both XXXX XXXX and Equifax report that I had a chapter XXXX bankruptcy XXXX in XXXX. I deny that I had a bankruptcy discharge. XXXX XXXX agreed to stop reporting the alleged bankruptcy after I disputed it with them in XXXX of XXXX. I placed a security freeze on my XXXX XXXX report and XXXX XXXX confirmed placing the freeze on XX/XX/XXXX, so there's no way that Equifax obtained info on the alleged Bankruptcy discharge from XXXX XXXX in any disputes made with Equifax after XX/XX/XXXX. I've attached confirmation of the XXXX XXXX security freeze to this report. 

I filed an Equifax dispute to have the Bankruptcy removed. In correspondence dated XX/XX/XXXX from Equifax, Equifax states that the Bankruptcy will remain on my credit report because XXXX XXXX confirmed that the Bankruptcy listing is accurate. Clearly, Equifax  did not contact XXXX XXXX before denying the dispute. Had Equifax contacted XXXX XXXX to confirm whether the Bankruptcy discharge is valid, they would've received no information due to the security freeze. 

Further, Equifax could not have received information on the alleged bankruptcy discharge from US Bankruptcy court. I also attached a letter from US Bankruptcy Court which states that the court does not report information to the credit bureaus. XXXX XXXX nor Equifax could not have obtained info on the alleged bankruptcy from US Bankruptcy Court because the court does not report info to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: OK

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompted me to check my credit report. These items listed are not mine and need to be deleted from my credit report. XXXX XXXX {$36000.00} XXXX  XXXX XXXX XXXX {$530.00} XXXX  XXXX {$710.00} XXXX XXXX XXXX XXXX {$2400.00} XXXX  XXXX XXXX {$2300.00} XXXX XXXX {$630.00} XXXX/XXXX   XXXX {$470.00} XXXX XXXX  XXXX {$1100.00} XXXX  XXXX XXXX {$600.00} XXXX XXXX XXXX {$510.00} XXXX   XXXX {$0.00} XXXX XXXX XXXX XXXX {$560.00} XXXX/XXXX XXXX   XXXX {$350.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} XXXX/XXXX  XXXX {$580.00} XXXX/XXXX  XXXX {$340.00} XXXX  XXXX {$3500.00} XXXX/XXXX  XXXX {$0.00} XXXX XXXX XXXX XXXX {$93.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation