vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Date XX/XX/2019 ATTENTION DISPUTE DEPARTMENT XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XX/XX/XXXXXX/XX/XXXXXXXX, XXXX XXXX XXXX, FL XXXX* IN RESPONSE TO CFPB : XXXX Dear Credit Bureau , This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise I have been fighting a case of identity theft case # XXXX As a result of these reckless and intentional acts, I have suffered and continue to suffer general and specific damages please be reminded too that the Fair Credit Reporting Act provides that when disputed debt items can not be supported by evidence, then such items should not appear on my credit report. Moreover, when such debt items remain unverified after 30 days, then inaccurate information on my credit report should be removed. Your responses in writing claim to have " verified '' the debt information that I have challenged. However, the law requires more in the case of an identity theft. You asking alleged creditors to match numbers on the computer is not verification in my case. An identity thief used my information without my knowledge and/or authorization hence, those numbers will match up. Simply stated, your action in this matter is not sufficient. 

XXXX XXXX XXXX {$140000.00} AND XXXX XXXX XXXX {$76000.00}. I have received letter from them stating that they have did their part and that your company XXXX  have not removed the negative item I have fax AFFIDAVIT to show my identity was compromised. 
XXXX XXXX XXXX {$140000.00} AND XXXX XXXX XXXX {$76000.00} the account, I have contacted them they sent me a letter saying that they had forward the removal of that Item from my credit and also advise me that XXXX  is refusing to removed they item as now I am very disappointed from your company even do you guys was in the news for practicing the same method I am not here to fight any major company I have the proved needed I just need you guys to do your part of following the law in removed this Item in my credit I also attached the letters and the police report. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX  XXXX, XXXX XXXX XXXX, FL 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 2019-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I ask that a human review my file. The credit bureau is reporting incorrect information. In the system you are showing that I financed a vehicle from XXXX XXXX for {$17000.00}. This information is incorrect. The total amount including the vehicle and finances charges is {$32000.00}. The original company reporting this XXXX XXXX is breaking the law. The credit bureau was notified in XXXX that the data in this file was not accurate. 

XXXX XXXX in an effort to keep me from refinancing with another lender has been reporting payments made but the balance has not gone down only up. Also, this vehicle was taken in and sold in a bankruptcy in XXXX of XXXX. The balance the company is showing is not correct. Attached is a copy of the original contract showing the correct amount.

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 2019-12-16 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I ask that a human review my file. The credit bureau is reporting incorrect information. In the system you are showing that I financed a vehicle from XXXX XXXX for {$17000.00}. This information is incorrect. The total amount including the vehicle and finances charges is {$32000.00}. The original company reporting this XXXX XXXX is breaking the law. The credit bureau was notified in XXXX that the data in this file was not accurate. 

XXXX XXXX in an effort to keep me from refinancing with another lender has been reporting payments made but the balance has not gone down only up. Also, this vehicle was taken in and sold in a bankruptcy in XXXX of XXXX. The balance the company is showing is not correct. Attached is a copy of the original contract showing the correct amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I ask that a human review my file. The credit bureau is reporting incorrect information. In the system you are showing that I financed a vehicle from XXXX XXXX for {$17000.00}. This information is incorrect. The total amount including the vehicle and finances charges is {$32000.00}. The original company reporting this XXXX XXXX is breaking the law. The credit bureau was notified in XXXX that the data in this file was not accurate. 

XXXX XXXX in an effort to keep me from refinancing with another lender has been reporting payments made but the balance has not gone down only up. Also, this vehicle was taken in and sold in a bankruptcy in XXXX of XXXX. The balance the company is showing is not correct. Attached is a copy of the original contract showing the correct amount.

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 2019-12-16 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: MD

Complaint narrative:
Someone obtained my social security information along with my date of birth and opened up the following credit cards and financial accounts fraudulently : - XXXX XXXX XXXX for {$7600.00} - XXXX XXXX XXXX for {$1200.00} - XXXX XXXX for {$1100.00} - XXXX  XXXX   XXXX for {$1100.00} - XXXX XXXX XXXX for {$830.00} - XXXX XXXX for {$260.00} - XXXX XXXX for {$210.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A LATE PAYMENTS REPORT ON XX/XX/2019 ON MY XXXX. I'VE FALLEN BEHIND BECAUSE OF A PERSONAL HARDSHIP WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNT THAT'S LISTED.

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 2019-12-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A LATE PAYMENTS REPORT ON XX/XX/2019 ON MY XXXX. I'VE FALLEN BEHIND BECAUSE OF A PERSONAL HARDSHIP WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNT THAT'S LISTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 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: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
TD Bank has fraudulently and erroneously reported me, XXXX XXXX XXXX, to XXXX XXXX, as having a checking account with them, in very poor standing, abuse of account, unpaid charge off, on XX/XX/2017. I have never had this account, last four digits of account # XXXX, charge off amount of & XXXX, status is unpaid as of XX/XX/2017. I have no idea where TD Bank received this information. I do have a current checking account with TD Bank, I opened with my wife, XXXX XXXX XXXX, about 10 to 12 years ago, which is still open and in good standing, this is the only account I have ever had and still have with TD Bank. I called there Customer Service, XXXX line today at XXXX XXXX and talked to XXXX, a supervisor, and was told she couldnt help me, and told me to contact the three credit bureaus, or the Consumer Finance Protective Bureau,   which I am currently doing. Please let me know if any further information is needed. Thank you for your assistance, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have never had an account with XXXX. Account number XXXX. I have made numerous contacts to both credit card company and credit bureaus.

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 2019-12-16 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:
Someone obtained my social security information along with my date of birth and opened up the following credit cards and financial accounts fraudulently : - XXXX XXXX XXXX for {$7600.00} - XXXX XXXX XXXX for {$1200.00} - XXXX XXXX for {$1100.00} - XXXX  XXXX   XXXX  for {$1100.00} - XXXX XXXX XXXX for {$830.00} - XXXX XXXX for {$260.00} - XXXX XXXX for {$210.00}

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
Consumer complaint received 2019-12-16 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: MD

Complaint narrative:
Someone obtained my social security information along with my date of birth and opened up the following credit cards and financial accounts fraudulently : - XXXX XXXX XXXX for {$7600.00} - XXXX XXXX XXXX for {$1200.00} - XXXX XXXX for {$1100.00} - XXXX  XXXX   XXXX  for {$1100.00} - XXXX XXXX XXXX for {$830.00} - XXXX XXXX for {$260.00} - XXXX XXXX for {$210.00}

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 non-monetary relief
Consumer complaint received 2019-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have never had an account with XXXX. Account number XXXX. I have made numerous contacts to both credit card company and credit bureaus.

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 2019-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX. I do not owe this debt and I have made numerous attempts to have this addressed through company listing and each credit bureau reporting. This is also a violation of my HIPPA rights as they have provided medical information in which I did not provide them consent to hold or obtain.

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 2019-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I have tried to update my address since XX/XX/2019 as my address changed at that time. I have sent Equifax information to prove that my address has changed a while back but they said it is reporting accurately as my current address, and that is not correct. MY old Address XXXX XXXX XXXX, XXXX, Mississippi XXXX is not my current address. My current address is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Mississippi XXXX as of XX/XX/2019 ( see postal address change verification attachment from post office ). I tried top call Equifax today, but there was a recording that said, " Thanks for calling Equifax, System is currently unavailable, sorry for the inconvenience, good bye ''. The Equifax confirmation report number is, XXXX. Also, see yellow label on letter/envelope from equifax ( address change from post office ), included with this complaint in attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Financial Assistance Inc
State: NV

Complaint narrative:
The company FINANCIAL ASSISTENCE INC AND XXXX XXXX REFLECTING TWICE SAME ACCOUNT on my credit report affecting my scores adding extra charges interest

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I had a collection account appear on my credit from XXXX XXXX. The account was removed because I never applied for the card nor have I ever made payments to XXXX XXXX in this regard. I now have a collection account on my credit fore XXXX XXXX from Midland Credit Management. This company has never contacted me they just placed the unknown account on my credit. I have tried to reach them by phone and I have not been successful. I also contacted the XXXX and they said the company is no longer in business but they just added this bogus account to my file and I was in the middle of financing. I am a XXXX Vet and I am trying to obtain a home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX. I do not owe this debt and I have made numerous attempts to have this addressed through company listing and each credit bureau reporting. This is also a violation of my HIPPA rights as they have provided medical information in which I did not provide them consent to hold or obtain.

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 2019-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX. I do not owe this debt and I have made numerous attempts to have this addressed through company listing and each credit bureau reporting. This is also a violation of my HIPPA rights as they have provided medical information in which I did not provide them consent to hold or obtain.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2019, I made a claim requesting my money back from a check which was cashed out by unauthorized person. The check was destined for rent and landlord 's name was on it. Clearly, whoever cashed out the check was not using any legal documents to prove his identity. Moreover, the teller from any financial institution should be held accountable for violate the right procedures to cashing a check without the right endorsement which was needed in this particular case. It's been almost two months that Citibank has not given me any satisfactory response to resolve this situation.

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 2019-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I ordered furniture from XXXX XXXX but never received the merchandise. The order was cancelled but the shipper did not immediately return the merchandise to XXXX XXXX so there was interest accrued on the credit card. When I spoke with XXXX XXXX their rep said that I would be credited for both the merchandise and the interest. They credited the merchandise, but not the interest. When I called back they were supposed to check on that and get back to me, but they never did. Eventually they sold the debt to a collection agency who continues to attempt to collect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-16 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1100.00}. 
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 ) -- COLLECTIONS ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2014 with a credit limit of {$1100.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
I have a XXXX XXXX Credit Card that was put into collections with Portfolio Recovery Associates. I have called multiple times and requested a letter reflected the balance amount that was agreed upon ( {$3700.00} ) and the current balance towards that settlement amount ( told over the phone today was {$2700.00} ). The company is refusing to put actual balances into writing as they have stated " we don't do that. '' They will only provide a payment schedule. This request is being made as we are trying to get approved for an FHA mortgage loan and the FHA requirements have to provide documentation of the balances, which the collection company is refusing to do.

Company response to consumer: Closed with explanation