vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-22 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: OH

Complaint narrative:
I was checking my credit reports in early XX/XX/2021 and noted my TransUnion credit score is much lower than XXXX and XXXX. After further research I found an account with XXXX XXXX XXXX XXXX that only appears on my TransUnion credit report. The report shows a delinquent account in the amount of {$350.00} that was supposedly initiated in XX/XX/2021. I know I do not have any accounts through this company, nor do I have any accounts that are not in good standing. After conducting a XXXX search of this company I noted hundreds of people have this same issue with XXXX XXXX XXXX XXXX reporting fraudulent accounts to TransUnion ( XXXXXXXX XXXX XXXX, XXXX XXXX XXXX ). I initiated a dispute with TransUnion and received results from TransUnion today ( XX/XX/2021 ) stating the account is valid. This is simply untrue and is causing me to have to pay higher interest rates on accounts that I have. I need to have this removed from my credit report as I am seeking to make other purchases that will require my credit to be run.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: SC

Complaint narrative:
I am exercising my right to submit a dispute. I have sent this letter via certified mail with tracking and signature required as well so the company can not say they did not receive it. They will have the information 2x.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: American Collections Enterprise, Inc.
State: MD

Complaint narrative:
On XX/XX/2021 I sent a dispute letter to American Collections ENT to the address that is on my Credit Report from XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX, VA XXXX and the Letter came back return to sender.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear To WhoXXXX XXXX XXXX XXXXncern, On XX/XX/XXXX, I have contacted XXXX about un-authorized payments made and un-authorized charges made on my account. I have provided detailed information and all the charges that were not authorized. Someone had hacked my online account and added the card to their XXXX XXXX/online charges. When I notified XXXX they disputed all the wrong charges : which caused all of my merchants that were on auto-pay to be owed again. They apologized and attempted to sent the money back to the merchants that were authorized. With Speaking with them again on XX/XX/XXXX, I have spoke to another representative to have the correct charges disputed. At that point I have closed my account to make sure not other charges go through. With the ATTEMPTED correct dispute. I have waited another 60 days and they have denied my claim. Un-Authorized payments and charges were made on this account and they kept denying my claim. I offered to file a police report and XXXX on XX/XX/XXXX said it wouldn't have mattered. Complete mess, My limit was {$3200.00} and it shows I owe over {$14000.00}. Explaining the situation again they wanted to set me up on a hard-ship payment plan which they did for 60 months. I am not responsible for the mishandling of this account by the fraudster or the bank. This has been a total nightmare dealing with this bank and trying to get this account resolved. On XX/XX/XXXX, I called 3 times and got hung up on. Attempted to speak with a manager for a settlement ( even though these charges are not mine ) except the ones that were for my bills. They told me no settlement is available and I made these charges. Why would I rack up {$14000.00} of debt if my limit is only {$3200.00}. My account prior to this summer was paid on time and kept a low balance. I have been treated so bad and this is ruining my life. I am tired and stressed about this situation and don't know what else to do. I received a call back from a supervisor named XXXX on XX/XX/XXXX. She stated she doesn't know why I was held responsible for these charges but can not settle. They don't have that option anymore. I will provide a police report or anything to have this account situated. I have been dealing with this for almost a year. They told me they can file a complaint but that wouldn't do anything. I told them I would go with the CFPB and possible an attorney she said it did not matter they can't help. I am not sure if you can help but this is driving me insane. Please assist me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA

Complaint narrative:
I wrote a letter to a company called Fair Collections and outsourcing because they were on my credit. I did research and found that for them to report to your credit, they have to send certain notifications. They did not. I sent them a letter on XX/XX/XXXX to dispute the account because it is on my credit. They did not respond to that letter until XX/XX/XXXX, by which time I had already written them a second dispute. responding more than 30 days to a consumers request for authentication is a violation of the FCRA. They have violated the FCDPA by no providing the required validation requested when they did respond. It is my understanding that for these matters you are the proper arbiter. PLEASE HELP 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 2021-09-22 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: PA

Complaint narrative:
i received an update on my credit report and I now have a collection reporting from a company names Midland Credit Management. I have no knowledge of this company any why they are reporting on my credit file. I was never sent any documentation or a DV. I would dispute this debt because i have no knowledge of this company. 

After doing research on this company Midland has a poor track record in regards to its collection tactics which have resulted in fines from the United States Government and from individual states as well. Midland has had to pay close to XXXX XXXX dollars in fines and penalties due to their unlawful business procedures which violate the consumers rights. Their illegal actions have caused thousands upon thousands of consumers credit files to be tainted with negative remarks which includes myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: M&T BANK CORPORATION
State: NJ

Complaint narrative:
there are two accounts on my report that do not belong to me. 
CREDITOR : M & T BANK ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE OWED : {$0.00} BUREAUS TO DISPUTE : XXXX, XXXX, XXXX CREDITOR : XXXX XXXX  XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE OWED : {$6000.00} BUREAUS TO DISPUTE : 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 explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sequium Asset Solutions, LLC
State: TN

Complaint narrative:
I attempted to dispute this bill and this company wants me to verify the bill. I am not doing your job for you. Stop putting the cart before the horse and learn the business. 

Verify the validity of the bill, then contact me. Not the reverse.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: GA

Complaint narrative:
My personal information has been stolen, I am submitting my ID, Identity theft report and Notarized Identity theft Affidavit. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information that resulted from an identity theft on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
there are two accounts on my report that do not belong to me. 
CREDITOR : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE OWED : {$0.00} BUREAUS TO DISPUTE : XXXX, XXXX, XXXX CREDITOR : WF BANK NA ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE OWED : {$6000.00} BUREAUS TO DISPUTE : 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 2021-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
i received an update on my credit report and I now have a collection reporting from a company names XXXX XXXX XXXX. I have no knowledge of this company any why they are reporting on my credit file. I was never sent any documentation or a DV. I would dispute this debt because i have no knowledge of this company. 

After doing research on this company XXXX has a poor track record in regards to its collection tactics which have resulted in fines from the United States Government and from individual states as well. XXXX has had to pay close to XXXX XXXX dollars in fines and penalties due to their unlawful business procedures which violate the consumers rights. Their illegal actions have caused thousands upon thousands of consumers credit files to be tainted with negative remarks which includes myself.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/21, I requested my credit report and complete credit file from TRANSUNION. I was notified that they would be mailing out both the report as well as the file, but I've only received the report. TRANSUNION has refused to send me upon request my complete 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 non-monetary relief
Consumer complaint received 2021-09-22 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:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital One prepaid card for XXXX. Turned around and added XXXX on to my card out of no where or even know how. I paid a company last year in XXXX to fix my credit. They disputed it with them and it got denied. Not knowing why or how come. Then disputed it this year and a debt collector called in XXXX of this year XXXX that took over that debt. I explained to them I am not paying that when I have no idea how it just got added for a prepaid card of the limit of XXXX to XXXX. They agreed it made no sense at all. So they were reaching out to Capital One and they just keep disputing it with no reasons. The charges are not mine nor do I know how they just added charges to a XXXX limit on a prepaid card that is now on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One has been furnishing late payments onto my account despite me trying to resolve this issue with them multiple times. Capital One has no right to report neagtive information into my account without first following all the guidelines set forth by the the FDCPA, and FCRA. Regardless of my request for notices of negative information and all documents applicable to me in the event of fraud, capital one has not responded to me at all. 

Any attempt to speak to a representative to resolve this issue is waved off because " Nobody at Capital One has authority to help me ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Based on my investigation, the credit bureaus are misrepresenting the information because XXXX XXXX XXXX XXXX Mortgage 's reported that my mortgage increased by {$10000.00}. There was a forbearance taken which should not have resulted in {$10000.00} being added to my mortgage loan to give the appearance to the credit bureaus that it increased. I was told by XXXX XXXX Mortgage that it would not be reported in this manner to the credit bureaus which was untrue. I was led to believe that there would be no penalties for taking a forbearance. This process of convincing a customer to take out a forbearance and that it will have no impact on the credit score should stop. It is misleading and deceptive to a customer. In addition, XXXX XXXX is reporting the mortgage account one way on their " XXXX XXXX '' dashboard with a different balance than in another section of their website under the mortgage payment section. So there is conflicting payment information on the XXXX XXXX XXXX XXXX website for my mortgage loan. This appears to be a " glitch '' in their system that is unresolved which creates confusion for the customer. Their on-line website reflected conflicting information for my mortgage loan beginning in XX/XX/2021. Prior to XX/XX/2021, it was being reported correctly on their website. Their new enhancements with the " XXXX XXXX '' has created conflicting information in their system for my mortgage loan resulting in the way the balance is reported and shown to others.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: GA

Complaint narrative:
Based on my investigation, the credit bureaus are misrepresenting the information because XXXX XXXX XXXX XXXX Mortgage 's reported that my mortgage increased by {$10000.00}. There was a forbearance taken which should not have resulted in {$10000.00} being added to my mortgage loan to give the appearance to the credit bureaus that it increased. I was told by XXXX XXXX Mortgage that it would not be reported in this manner to the credit bureaus which was untrue. I was led to believe that there would be no penalties for taking a forbearance. This process of convincing a customer to take out a forbearance and that it will have no impact on the credit score should stop. It is misleading and deceptive to a customer. In addition, XXXX XXXX is reporting the mortgage account one way on their " XXXX XXXX '' dashboard with a different balance than in another section of their website under the mortgage payment section. So there is conflicting payment information on the XXXX XXXX XXXX XXXX website for my mortgage loan. This appears to be a " glitch '' in their system that is unresolved which creates confusion for the customer. Their on-line website reflected conflicting information for my mortgage loan beginning in XX/XX/2021. Prior to XX/XX/2021, it was being reported correctly on their website. Their new enhancements with the " XXXX XXXX '' has created conflicting information in their system for my mortgage loan resulting in the way the balance is reported and shown to others.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: GA

Complaint narrative:
Based on my investigation, the credit bureaus are misrepresenting the information because XXXX XXXX XXXX XXXX Mortgage 's reported that my mortgage increased by {$10000.00}. There was a forbearance taken which should not have resulted in {$10000.00} being added to my mortgage loan to give the appearance to the credit bureaus that it increased. I was told by XXXX XXXX Mortgage that it would not be reported in this manner to the credit bureaus which was untrue. I was led to believe that there would be no penalties for taking a forbearance. This process of convincing a customer to take out a forbearance and that it will have no impact on the credit score should stop. It is misleading and deceptive to a customer. In addition, XXXX XXXX is reporting the mortgage account one way on their " XXXX XXXX '' dashboard with a different balance than in another section of their website under the mortgage payment section. So there is conflicting payment information on the XXXX XXXX XXXX XXXX website for my mortgage loan. This appears to be a " glitch '' in their system that is unresolved which creates confusion for the customer. Their on-line website reflected conflicting information for my mortgage loan beginning in XX/XX/2021. Prior to XX/XX/2021, it was being reported correctly on their website. Their new enhancements with the " XXXX XXXX '' has created conflicting information in their system for my mortgage loan resulting in the way the balance is reported and shown to others.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
i received an update on my credit report and I now have a collection reporting from a company names XXXX XXXX XXXX. I have no knowledge of this company any why they are reporting on my credit file. I was never sent any documentation or a DV. I would dispute this debt because i have no knowledge of this company. 

After doing research on this company XXXX has a poor track record in regards to its collection tactics which have resulted in fines from the United States Government and from individual states as well. XXXX has had to pay close to XXXX XXXX dollars in fines and penalties due to their unlawful business procedures which violate the consumers rights. Their illegal actions have caused thousands upon thousands of consumers credit files to be tainted with negative remarks which includes myself.

Company response to consumer: Closed with explanation