vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
In response to the two previous complaint numbers, XXXX XXXX, that I, XXXX XXXX XXXX have filed against TransUnion, in which you claim I am not an authorized party on the complaint. 
As a result of your continued stall tactics in your attempts to disregard the law and not investigate my complaints in a timely manner, I have to advise you of the following. If you continue violating my consumer rights, the next complaint will be complimented by a legally binding FCRA 616 and FCRA 617 Statement of Affidavit, outlining the compensatory damages that I am owed as a result of your non-compliant behavior and violation of my consumer rights.

Thank you and God Bless My name is XXXX XXXX XXXX. I am submitting this complaint in good faith on behalf of myself and no other individual. 

Accounts showing erroneous reporting patterns or unverified XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX #  XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1. On XX/XX/XXXX, TransUnion Consumer Solutions responded to my CFPB complaint with illogical, erroneous and incoherent account activity. I have attached a copy of such FCRA non-compliant account history to this CFPB complaint 2. On XX/XX/XXXX, I sent TransUnion a copy of such non-compliant FCRA reporting errors which I specifically pointed out the gaps in reporting activity or lack thereof. I also pointed out in clearly defined terms of the inability of Transunion to provide me with clear proof that they have conducted a thorough investigation into the validity of these four accounts.Suchdocumentation was received by Transunion on XX/XX/XXXX. 3. TransUnion responded to my dispute on XX/XX/XXXX and XX/XX/XXXX by sending me virtually no changes to the reporting of these accounts nor did they follow FCRA guidelines and delete these accounts 4. I have attached proof of these reporting errors along with USPS receivable documentation. Note : XXXX XXXX XXXX XXXX  - XXXX  XXXX # XXXX hasn't reported since XX/XX/XXXX, and FIRST XXXX XXXX XXXX XXXX XXXX has reported unknown activity on XXXX, XXXX, XXXX, XXXX and XXXX, XXXX yet both accounts still appear on my credit report as active accounts. This does not in any way satisfy FCRA guidelines. There's no way for TransUnion to verify, nor can they explain the gaps in reporting activity. Please delete both accounts immediately.

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 2021-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are three accounts and 2 inquiries on my credit report that do not belong to me I need these removed from my credit report asap Experian is doing nothing about this and the furnishers dont care who opens up what under whos name as long as they get paid I am sick of dealing with this I need this removed asap!!!! 

XXXX XXXX XXXX  - Acct XXXX Amount {$170.00} opened XX/XX/XXXX XXXX XXXX XXXX - Acct # XXXX Amount {$14000.00} opened XX/XX/XXXX XXXX XXXX - Acct # XXXX Amount {$600.00} Opened XX/XX/XXXX Inquiries XXXX XXXX XXXXXXXX - Inquiry Date XX/XX/XXXX XXXX XXXX  - Inquiry Date XX/XX/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 2021-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
Was removed before I could get out.Locked out 2017 the was changed before XXXX, added entries XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: MI

Complaint narrative:
i bought a storage shed on XXXX through XXXX  website Order # : XXXX Order Total : {$370.00} i was given request # XXXX on XXXX when i reached out to XXXX for help through their site, XXXX  told me to call them which my schedule prevents me from it and i told them that and asked for the email to be forwarded on XXXX and i was given request # XXXX and never received any email communication since. XXXX i initiated a dispute with my credit card and i had tremendous issues with them where they closed the case out shortly after it was opened which prevented me from submitting any type of documents and i kept telling them that and they didnt want to listen and the mail system has been completely unreliable. which led to a XXXX  complaint against discover on XXXX XXXX  complaint # XXXX over the issue and asked the XXXX  to submit documentation and they have confirmed discover received documentation on several occasions and discover claims no such thing occurred however the XXXX  refused to let me know who the documents was sent to and by what method and i made several attempts with the XXXX  on it including at the highest level at the XXXX  ( Complaint XXXX ). i had also followed up with discover and filed a complaint against the case handler and asked for my money back as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX  has violated the Truth and Lending Act XXXX XXXX. Code 1666 - Correction of billing errors and 15 U.S. Code 1666b. Timing of payments. They are reporting late payments and a repossession on my Experian consumer report which is hurting my chances to get approve for credit. I have not received any letters from XXXX XXXX  regarding late payments nor repossessing. This is reported in error.

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 2021-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
This is not my account. Someone stole my identity and opened many accts under my name without my permission or authority. Please verify all information is truly mine, correct and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Consumer Financial Services
State: FL

Complaint narrative:
This complaint regards Consumer Financial Services, the lender of my auto loan XXXX hereinafter " CFS '' ), and XXXX, one of the credit bureaus responsible for maintaining accurate information regarding my auto loan. According to my most updated credit report from XXXX, I owe {$4100.00} as of XXXX XXXX. This information is patently incorrect and I have several different forms of proof to show the falsity of the information currently reflected for my auto loan. I initiated two different disputes with XXXX  regarding my auto loan through CFS, one dispute was without supporting documentation and the second was with supporting documentation. Both times, XXXX  denied the disputes, citing that CFS certified to them that the information currently reported was correct. XXXX, as the credit reporting agency, refuses to update this portion of my credit report even though I have provided them with unequivocal, verifiable proof of incorrect information being shown for the auto loan account originated by CFS. It should be noted that the correct balance and payment history for my auto loan through CFS is reflected on my TransUnion credit report and no dispute is required for TransUnion. I have not been able to check what Equifax shows for my auto loan account, but I am fairly certain the information is correct. I firmly believe this is an issue with XXXX  blatantly refusing to update my credit report with the correct information that I have provided as proof of a valid dispute, and that their misbehavior is adversely impacting my overall credit score and credit file. Basically, it gives the appearance that I haven't paid on my auto loan since XX/XX/XXXX and owe nearly {$1000.00} more than what I actually do currently. As of my payment to CFS on XX/XX/XXXX, the remaining balance on this account in dispute is only {$3300.00}. Furthermore, the payment history report provided to me by the XXXX, Florida office for CFS shows positive payment history at least as far back as XX/XX/XXXX. Based on the foregoing discussions, the inaccurate information shown by XXXX  for this auto loan account MUST BE CORRECTED IMMEDIATELY AND WITHOUT FURTHER ARGUMENT OR DEBATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
Someone stole my identity and opened many accounts without my permission or authority.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are three accounts on my credit report they are not mine and they are hurting my credit I have not signed authorized or used any of these accounts.

XXXX XXXX XXXX XXXX XXXX XXXXunt XXXX Amt {$350.00} Opened XX/XX/XXXX XXXX XXXX XXXX - Account XXXX Amt $ {$1600.00} Opened XX/XX/XXXX XXXX XXXX - Account XXXX Amt $ {$450.00} Opened XX/XX/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 2021-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: D&A Services, LLC
State: GA

Complaint narrative:
D & A services is trying to collect a debt I have no knowledge of. They have violated section 809 15 U.S.C. 1692g- Validation of Debts. They have yet to validate this debt. I have not received any contact between them and I that I owe them this debt. I have not also received any signed contract bearing my signature. They have not sent me any document showing they have a legal right to collect this debt or collect in my state. I have ask them to cease and desist all communication. They are still reporting this account to my consumer report, which per court case TWYLA BOATLEY, Plaintiff, vs. DIEM CORPORATION, No. CIV 03-0762 UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, 2004, the courts ruled that reporting a collection account on a credit report indeed is considered collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: CA

Complaint narrative:
Someone stole my identity and opened many accounts without my permission or authority.

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 2021-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

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 ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I sent a dispute to Experian in regards to my inquiries on XX/XX/XXXX and I still havent got a response in regards to any of my inquiries that were listed on the letter.

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 2021-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have a bankruptcy on my XXXX that does not belong to me it is not mine i have not filed for this or know where its comin from also one inquir on my transunion that is not mine i have been disputing this since two years ago!!!! 

Account Name : US DIST CT Account Number : XXXX Inquiry Creditor Name : XXXX Inquiry Date : XX/XX/2019 2019

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 2021-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
JPMCB CARD XXXXEvaluate this reporting by making a revision on the information provided. Modify and perform any corrections or withdraw this from my personal file. 

JPMCB CARD XXXXYou are reporting inaccurate information on this account. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

JPMCB CARD XXXX You are allowing an inaccurate history of this account to be reported. Please investigate, gather documentation proving accuracy, or delete this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXX XXXX XXXX Please produce the contract used to verify this account because I have none with them and the information you have is inaccurate. Please delete immediately! 

XXXX XXXX  XXXX The negative information reported is totally wrong. Please remove it from my file XXXX XXXX This is not verified. I contacted the furnisher as you told me to do and they have either refused to provide any documentation or they are unable to provide documentation proving the claim or the accuracy. This remains inaccurate, incomplete and not verified. You are REQUIRED to delete this immediately according to FCRA Sect. 611. Please ensure this account is removed within 5 days!

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 2021-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I have a bankruptcy on my equifax that does not belong to me it is not mine i have not filed for this or know where its comin from also one inquir on my XXXX  that is not mine i have been disputing this since two years ago!!!! 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Inquiry Creditor Name : XXXX Inquiry Date : XX/XX/2019 XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc.
State: NJ

Complaint narrative:
So on XX/XX/XXXX at about XXXX i received a loan for XXXX dollars. If i knew that the interest on it was XXXX dollars, making the amount owed more the XXXX dollars, i would have never done it.

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 2021-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2021-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I sent a 609 letter to equifax on XX/XX/2020 in regards to inquiries. according to the fair credit reporting act they were supposed to respond within 30 days and I still havent received a response by law they should be removed.

Company response to consumer: Closed with explanation