vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-15 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: NC

Complaint narrative:
THIS IS NOT A REPORT OF IDENTITY THEFT This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. DEROGATORY ACCUSATIONS INCLUDING ALLEGED INQUIRIES MUST BE METRO 2 COMPLIANT TO RETAIN OR REPORT SO DELETE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME.I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY. 


I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : Creditor : XXXX XXXX XXXX  # XXXX Creditor : XXXX XXXX XXXX  XXXX # XXXX Creditor : XXXX XXXX  # XXXX Creditor : XXXX XXXX  XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX  # XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor. 


Removal of inaccurate information and unverified information. Federal Registrar is attached for reference to what is accurate and verified data with integrity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
THIS IS NOT A REPORT OF IDENTITY THEFT This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. DEROGATORY ACCUSATIONS INCLUDING ALLEGED INQUIRIES MUST BE METRO 2 COMPLIANT TO RETAIN OR REPORT SO DELETE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME.I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY. 


I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : Creditor : XXXX XXXX XXXX  # XXXX Creditor : XXXX XXXX XXXX  XXXX # XXXX Creditor : XXXX XXXX  # XXXX Creditor : XXXX XXXX  XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX  # XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor. 


Removal of inaccurate information and unverified information. Federal Registrar is attached for reference to what is accurate and verified data with integrity.

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 2020-05-15 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
During the last week, I have tried multiple times to get my free annual credit report from Equifax. ( I understand they won't provide an electronic copy, only a mailed copy -- because they have a policy of making it as difficult as possible to get the report. ) But each time I've tried using the free credit report website, all I get is an error message from Equifax, and then I'm told to mail them a request letter with a bunch of attachments. What is the point of having a website for this if it all has to be done through the mails? The other two companies don't jerk people around like this -- only Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 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:
I recently received notification 2 days ago that my credit score with TransUnion changed. I was HORRIFIED to learn through several other websites ( XXXX XXXX, etc ) that my TransUnion credit score dropped 85 points for just one reason. My utilization on my XXXX XXXX was at {$460.00} out of a {$500.00} credit line. My mortgage is always paid on time. My auto loan is always paid on time. I have a friend who has NO good trade lines and his credit score is higher! WHY? My XXXX score was also very low despite having paid most of my bills on time and was wondering why my XXXX score was so much higher than these 2 credit bureaus even though ironically my personal information was exposed through these very two credit companies that are currently discriminating against me! I am XXXX as is my spouse who is also a XXXX and we struggle to pay our bills and was just about to do a cash out refinance VA loan so we could consolidate bills but more importantly, modify our home due to a XXXX necessity and add a bathroom downstairs for my spouse who has trouble on the stairs. So now, thanks to TransUnion and XXXX, we are being declined. I contacted TransUnion ( who outsources calls ) and was on hold for 45 minutes yesterday and when I finally got through was told there was nothing they could do because they could not access my report due to their " system being down ''. I have been locked out of the TransUnion website and have to rely on 3rd party credit companies to get any information. And despite receiving an email that my password was reset I still can not access their site because I am once again locked out. I am disgusted angry and in disbelief that any scoring system would do that to someone and to make matters worse, my credit was even improved due to incorrect information being deleted since then but no changes have been made to my score.I intend on searching the internet to see if there is a class action lawsuit against these 2 credit reporting companies and join one or start one myself. Thank you for allowing me the opportunity to address this unfair and almost criminal company doing everything they can to ruin me and my family!

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 2020-05-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Mistake with credit card close account

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 2020-05-15 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: CO

Complaint narrative:
Transunion has an account listed on my Credit File that is from XXXX Store Card Acct number XXXX and they are reporting this account and showing a negative payment history. I was never on this account, I never had any financial ties to this account. I am demanding that Transunion REMOVE this account from my file as it is not my account. If they would bother to verify the information they would see that the account is not mine, never was mine and should not be reported against me. You have 30 days to remove this before I have my attorney reach out to you.

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 2020-05-15 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: IN

Complaint narrative:
Multiple inquiries on my Transunion account were done without my consent. I should maybe 3-4 hard hits on it but it shows XXXX!!!! 

I called them and asked for help and they didnt help, they informed me even with proof of incorrect inquiries they wouldnt do anything.

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 2020-05-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
The claim was denied by the insurance because it went to my secondary insurance first ( please see, page 3 of 7 part of the attached EOB ). 

XXXX XXXX  never billed the primary insurance ( please see the attached XXXX mail from primary insurance ). 

XXXX XXXX  needs to bill all three climes to my primary insurance, and it will be covered ( please see the attached insurance card of my primary insurance ). 

According to the attached e mail from the primary insurance, all other services pilled them, except for XXXX XXXX, which proves this claim is an error from XXXX XXXX. 


All the above information was provided to the collection agency within the appropriate time frame, but it was ignored for some reason. and they used abusive language during the last call and provided false information by claiming both health insurance was billed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 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: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Credit Acceptance, a car financing company, reported to XXXX, XXXX  and XXXX that I was 30 days late in XX/XX/2020 for acct # XXXX. Before my payment was due, I called the company to let them know I was affected by the XXXX. I requested for help and if I did not receive my unemployment in time, could they mark my account as " Affected by Natural Disaster ''. 

Credit Acceptance instead, reported my account as late, which dropped my credit score 85 points, I'm so sad. I contacted credit acceptance and they refused to change the reporting. This late payment has affected my Excellent payment history with them. Please investigate the inaccuracy of Credit Acceptance reporting of my account.

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 2020-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Accounts & Advisers, Inc.
State: TX

Complaint narrative:
When I contacted American Accounts Advisors, I requested they validate the debt pursuant to The Fair Credit Re [ porting Act as well as The Fair Debt Collection Practices Act. American Accounts Advisors refused to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Firstsource Business Process Services, LLC
State: TX

Complaint narrative:
XX/XX/2020 To whom it may concern : I would like to file a complaint against a collection agency by the name of First Source Advantage LLC.

This collection agency is slandering my name, as well as my credit, by attempting to collect on a debt that they did not verify with me prior to placing that debt onto my credit files. 

This debt collector has made calls leaving voicemails, as well as making subsequent follow-up calls, someone by the name of XXXX XXXX, from a ( XXXX ) XXXX. 
XXXX left a reference number of XXXX in the voicemail that was left. 

Calls have also been made to people whom they believe to be my friends, or relatives, and that is wrong. 

I know nothing about this company, nor the debt that they have wrongfully put onto my credit files without my prior knowledge. 

I do not owe that collection agency anything, and I want them to cease and desist from contacting me, or anyone that is associated with me, or I will be contacting an attorney. 

As well as, I want them to remove any and all of the fraudulent derogatory collection information that they have placed onto my credit files, as well as their company files. 

I want the Consumer Financial Protection Bureau fully involved in this complaint, the collection agency can contact the CFPB, and the CFPB, can contact me. 

I want hard copy proof from a letter with their letterhead when they have removed the slanderous derogatory information from my credit files. 

I would like proof that this company is licensed to collect in my state. 
And I would also like for them to provide their license numbers, and Registered Agent documentation.

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 2020-05-15 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have tried to get my free annual credit report from XXXX. XXXX  worked. However, XXXX  and Equifax do not honor my request even if I am answering the questions correctly. I have called their number many times but was never able to get through to a real person and the automated system was not able to identify me. I have also gone to their website directly to order my free report and that did not work as well. Also, given Equifax is a breached, insecure and unethical entity I hesitate to mail them a copy of my SSN and driver 's license etc. I have locked my credit with all three credit bureaus. I am merely interested in getting my free credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 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: NY

Complaint narrative:
To Whom It May Concern, On XX/XX/2020 I noticed Transunion says i didn't pay a debt but XXXX has stated I paid in full which ill send you guys that so that transunion can update there records.

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 2020-05-15 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have tried to get my free annual credit report from XXXX. XXXX worked. However, Experian and XXXX do not honor my request even if I am answering the questions correctly. I have called their number many times but was never able to get through to a real person and the automated system was not able to identify me. I have also gone to their website directly to order my free report and that did not work as well. Also, given XXXX is a breached, insecure and unethical entity I hesitate to mail them a copy of my SSN and driver 's license etc. I have locked my credit with all three credit bureaus. I am merely interested in getting my free credit 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 non-monetary relief
Consumer complaint received 2020-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
When I contacted Online Information Services demanding the debt be validated pursuant to The Fair Credit Reporting Act as well as The Fair Debt Collection Practices Act Online Information Services refused to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently received notification 2 days ago that my credit score with XXXX changed. I was HORRIFIED to learn through several other websites ( XXXX XXXX, etc ) that my XXXX credit score dropped 85 points for just one reason. My utilization on my XXXX XXXX was at {$460.00} out of a {$500.00} credit line. My mortgage is always paid on time. My auto loan is always paid on time. I have a friend who has NO good trade lines and his credit score is higher! WHY? My Equifax score was also very low despite having paid most of my bills on time and was wondering why my XXXX score was so much higher than these 2 credit bureaus even though ironically my personal information was exposed through these very two credit companies that are currently discriminating against me! I am XXXX as is my spouse who is also a XXXX and we struggle to pay our bills and was just about to do a cash out refinance VA loan so we could consolidate bills but more importantly, modify our home due to a XXXX necessity and add a bathroom downstairs for my spouse who has trouble on the stairs. So now, thanks to XXXX and Equifax, we are being declined. I contacted XXXX  ( who outsources calls ) and was on hold for 45 minutes yesterday and when I finally got through was told there was nothing they could do because they could not access my report due to their " system being down ''. I have been locked out of the XXXX website and have to rely on 3rd party credit companies to get any information. And despite receiving an email that my password was reset I still can not access their site because I am once again locked out. I am disgusted angry and in disbelief that any scoring system would do that to someone and to make matters worse, my credit was even improved due to incorrect information being deleted since then but no changes have been made to my score.I intend on searching the internet to see if there is a class action lawsuit against these 2 credit reporting companies and join one or start one myself. Thank you for allowing me the opportunity to address this unfair and almost criminal company doing everything they can to ruin me and my family!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$150000.00}. 
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 ) -- REAL ESTATE LOAN  1. XXXX XXXX with ACCT # XXXX opened on XX/XX/2012 with a balance of {$150000.00} -This is not my account.

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