vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Experian reinserted XXXX XXXX XXXX XXXX {$5800.00} and XXXX XXXX XXXX  {$490.00} without giving me a 5-day notice which is required by the FCRA. 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Please note that your Credit Reporting Agency is now subject to Federal consumer financial laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on Abusive Acts or Practices. ( Section 1031 of the Dodd-Frank Act ) If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
I received no such notification, this is a serious violation of the FCRA, and I reserve the right to pursue further action. 

Both of these accounts were blocked on my credit file and I also sent my FTC Report Information XXXX several times so Experian is aware of my Identity Theft issues. 

There is also 10 inquiries that were deleted and re inserted

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 2019-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX I submitted a payment amount for the total of {$140.00} to Best Buy Credit Card Master Card. This is the first day of the new billing cycle for this account. I submitted the minimum payment as outlined by the website when I logged in to my account. Over the course of several weeks I continued to check the website. It reflected the minimum payment was made and then on XX/XX/XXXX when I logged in it showed and new minimum payment due of {$130.00}. 

On XX/XX/XXXX at XXXX XXXX  I spoke with a representative and customer service supervisor regarding this. They explained to me that the payment made would count as an early payment because I made the payment before the bill was posted to my account even though the payment was on the first day of the new payment cycle and that the website had been updated to reflect the new balance due. 

I was then transferred to a representative in another department. You stated the only solution they have would be to have the payment reversed and then complete the payment again. The representative stated she would do as described and that the process can take up to 7 business days. As of the filing of this complaint the payment has not been reversed, nor has the issuing bank, Citi, for this credit card applied the payment made on XX/XX/XXXX in such a way that fulfills the minimum payment due on XX/XX/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 monetary relief
Consumer complaint received 2019-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
On or around XX/XX/2019 we had applied for mortgage assistance due to loss of employment. We were current on payments throughout the process and received responses to our application for mortgage assistance in mid XXXX. By that time, we had found employment, so we were no longer in need of the mortgage assistance. The unfortunate part to us exploring this, is, that we think that as a result of the application for assistance, it triggered a review of our escrow account in which we had always managed the payments on our own for taxes and insurance. Due to this, our regular payments were applied to the escrow account and not our regular payments. These actions caused us to show as delinquent on the account. I had tried to resolved this several times by leaving messages, talking to several processors to be told it would be resolved. I also wrote in through the website to get this resolved. Again, we were never delinquent so I'm still not sure what triggered the escrow review to begin with as we have also never been delinquent on hazard insurance or property taxes. Now, because of the misapplication of funds into our mortgage to the escrow account, it has caused incorrect reporting to the bureaus and notations on our credit file that are incorrectly showing paying under and agreement.

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 2019-12-29 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: FL

Complaint narrative:
On my XXXX  Credit Report dated XX/XX/XXXX, an account from XXXX/XXXX  XXXX, acct. XXXX has a fraudulent " Date Opened, '' of XX/XX/XXXX. 

On my Transunion Credit Report dated XX/XX/XXXX, an account from XXXX XXXX XXXX, acct. XXXX, has a " Placed for Collection, '' date of XX/XX/XXXX. 

On my XXXX  Credit Report dated XX/XX/XXXX is the last report that stated the " Date Opened '' of XX/XX/XXXX. The XXXX  Credit Report dated XX/XX/XXXX has a " Date Opened, '' of XX/XX/XXXX. XXXX  makes it so difficult to get a credit report through the XXXX, that I haven't received a XXXX, or a XXXX credit report yet. 

The original, " Date Opened, '' is XX/XX/XXXX, and the original creditor is XXXX XXXX XXXX/XXXX  XXXX  XXXX  N.A.on account number XXXX for an amount of {$920.00}. 

XXXX/XXXX  has, and is continuing to report an incorrect " Date Opened ''  for this account. The dispute from XX/XX/XXXX did not correct the issue of XXXX/XXXX  XXXX  reporting an incorrect " Date Opened, '' and XXXX, XXXX, and Transunion stated that they didn't have to receive and/or process another dispute regarding this fraudulent reporting. 

I am requesting this account be removed from my credit reports from XXXX, XXXX, and Transunion.

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 2019-12-29 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:
On my XXXX  Credit Report dated XX/XX/XXXX, an account from XXXX/XXXX  XXXX, acct. XXXX has a fraudulent " Date Opened, '' of XX/XX/XXXX. 

On my XXXX  Credit Report dated XX/XX/XXXX, an account from XXXX XXXX XXXX, acct. XXXX, has a " Placed for Collection, '' date of XX/XX/XXXX. 

On my Equifax Credit Report dated XX/XX/XXXX is the last report that stated the " Date Opened '' of XX/XX/XXXX. The Equifax Credit Report dated XX/XX/XXXX has a " Date Opened, '' of XX/XX/XXXX. Equifax makes it so difficult to get a credit report through the XXXX, that I haven't received a XXXX, or a XXXX credit report yet. 

The original, " Date Opened, '' is XX/XX/XXXX, and the original creditor is XXXX XXXX XXXX/XXXX  XXXX  XXXX XXXXon account number XXXX for an amount of {$920.00}. 

XXXX/XXXX  has, and is continuing to report an incorrect " Date Opened ''  for this account. The dispute from XX/XX/XXXX did not correct the issue of XXXX/XXXX  XXXX  reporting an incorrect " Date Opened, '' and XXXX, Equifax, and XXXX  stated that they didn't have to receive and/or process another dispute regarding this fraudulent reporting. 

I am requesting this account be removed from my credit reports from XXXX, Equifax, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc.
State: SC

Complaint narrative:
Second Request : I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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 2019-12-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc
State: VA

Complaint narrative:
I received an alert from a credit monitoring service that Medicredit has placed a collections on my credit report today and i have never received proper communication to try and resolve said debt. It listed today that they have been trying to collect a debt since XXXX, yet it appeared on my report today, XX/XX/XXXX. I immediately contacted Medicredit to resolve the debt and asked them to please remove from my 3 credit reports as I am in the process of purchasing a home. They provided me with a receipt for payment but informed me they will not remove the negative information for 7 years. 

It would have been nice and helpful if I would have at least received a phone call or letter informing me I have a debt prior to any collections. And it would have been nice in good faith they would understand my current situation of purchasing a home to consider removing this from my reports. I have already filed a dispute as well as mailed letters of goodwill to the 3 reporting agencies. This is an old account and I had zero knowledge prior to today of this account. It makes me wonder what else may pop up on my report unannounced and unexpectedly.

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 2019-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I requested replacement cards for two of my credit cards that i could not locate at the time. I never received the replacement cards. Instead, they were activated and used at XXXX  stores and a XXXX  store in XXXX on XX/XX/XXXX and XX/XX/XXXX ( {$2400.00} on one card and {$99000.00} one the second card ). I called it in as fraud but was denied the claim because the cards were allegedly activated from my phone number. I immediately filed a police report ( which to the best of my knowledge is still ongoing ). I spend tens of hours on the phone with the barclays fraud department insisting that i have never received the cards and that they were activated by whoever stole them from my mail box - but to no avail. I submitted proof to that effect in the way of telephone records from my provider proving that i never made the phone calls they claim i did ( the activation calls were made on XX/XX/XXXX according to barclays ). After submitting the phone records, the charges were temporarily removed. But now i see the charges were reinstated ( despite the phone records i submitted ). I see no other option than to turn to the CFPB for help with regard to this matter

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 2019-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I spent considerable time on the telephone and going through several " escalation '' personnel to try to resolve the issue with XXXX  XXXX XXXX. This involves an account that was closed at my request and regular payments were debited from my checking account until the balance was paid in full. When the debiting stopped, I assumed the debt was paid. Three years later I received a 1099-C from XXXX  XXXX XXXX indicating a cancellation of debt in the amount of {$890.00}, which was supposedly the remaining unpaid balance. XXXX  XXXX XXXX would not let me pay this amount when I offered, saying that it was already written off of its books. I received a tax bill from the IRS for the {$890.00} increased income, resulting in additional taxes of almost {$300.00}, which I paid. This appears on my credit report. However, XXXX  XXXX XXXX has decided to " update '' the account and is now reporting {$890.00} past due every month, resulting in a monthly decrease in my credit score. This {$890.00} debt does not exist. It was written off by XXXX  XXXX XXXX. it was charged as income to me and reported to the IRS, I paid income taxes on it, and XXXX  XXXX XXXX took a tax deduction for a bad debt. The account balance is XXXX ( {$0.00} ). 

This is showing up on my Transunion report as a " Derogatory Mark. '' The last account activity was in XX/XX/2012. This should no longer appear on my credit report because ot its age. This was resolved and removed by XXXX. It should be removed by Transunion and 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 2019-12-29 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 a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2019-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
Southwest Credit Systems placed a collection on my credit report without ever sending any notice of collection or verifying the debt. To date, I have never received any communication from this company in reference to this alleged debt. Southwest Credit has clearly violated the Fair Debt Collection Practice Act, which allows a consumer 30 days to dispute the debt. This was not provided prior to placing negative marks on my credit report. This is my attempt to resolve this matter prior to filing a civil action. I have also filed a complaint with the XXXX XXXX  in an attempt to resolve this matter prior to obtaining legal counsel to pursue a civil action for damage caused to my credit score without ever communicating with the alleged debtor. 

The amount in question is {$140.00}. I don't have much more information to provide since the company has made no contact with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Wallace Management Company, LLC
State: MO

Complaint narrative:
I applied for a small loan of XXXX. I had to unfreeze my three credit reports to do so. They asked if I had a spouse if I had someone living here or if I would have someone living with me. Asked me if I had children or would have children living here. Ask about all my bills I pay each month and how much. They asked if I had food stamps. I said yes. They asked how many food stamps. Then asked me how much of my money did I use to spend on food at the store each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29 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 {$8000.00}, {$10000.00}, {$12000.00}, {$18000.00}, {$35000.00}, {$30000.00}. 
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 ) -- OPEN ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8000.00} -This is not my account. 


-- CLOSED ACCOUNTS -- 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 

3. XX/XX/XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$12000.00} -This is not my account. 

-- AUTO ACCOUNT -- 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$18000.00} -This is not my account. 


-- AUTO ACCOUNTS -- 5. XXXX XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$35000.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$30000.00} -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
Consumer complaint received 2019-12-29 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8000.00}, {$10000.00}, {$12000.00}, {$18000.00}, {$35000.00}, {$30000.00}. 
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 ) -- OPEN ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8000.00} -This is not my account. 


-- CLOSED ACCOUNTS -- 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$12000.00} -This is not my account. 

-- AUTO ACCOUNT -- 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$18000.00} -This is not my account. 


-- AUTO ACCOUNTS -- 5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$35000.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$30000.00} -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
Consumer complaint received 2019-12-29 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 {$8000.00}, {$10000.00}, {$12000.00}, {$18000.00}, {$35000.00}, {$30000.00}. 
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 ) -- OPEN ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8000.00} -This is not my account. 


-- CLOSED ACCOUNTS -- 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$12000.00} -This is not my account. 

-- AUTO ACCOUNT -- 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$18000.00} -This is not my account. 


-- AUTO ACCOUNTS -- 5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$35000.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$30000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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