vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TIDEWATER FINANCE COMPANY, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXXXX/XX/XXXXVoluntary Repossession Sold & Charge off in XX/XX/XXXX. The Amount keep going up starting at XXXX  and is reporting inaccuracy now as XXXX  and steadying increasing. I need them to stop reporting inaccurate information to credit bureau and I would like it removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX XXXX  and CAPITAL ONE with no successful resolution. XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 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:
Due to recent media attention on hacks on the american public I pulled my credit report and seen a account that was not mine and that was not authorized below is the account that is not mine as well as inquires and addresses I've never been associated with. 

Account Name : XXXX XXXX Balance : {$230.00} Account Type : Collection below are inquires on my credit report i've never authorized these inquires from these companies, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 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: GA

Complaint narrative:
Due to recent media attention on hacks on the american public I pulled my credit report and seen a account that was not mine and that was not authorized below is the account that is not mine as well as inquires and addresses I've never been associated with. 

Account Name : XXXX XXXXr Balance : {$230.00} Account Type : Collection below are inquires on my credit report i've never authorized these inquires from these companies, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-06-11 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: GA

Complaint narrative:
Due to recent media attention on hacks on the american public I pulled my credit report and seen a account that was not mine and that was not authorized below is the account that is not mine as well as inquires and addresses I've never been associated with. 

Account Name : XXXX XXXX Balance : {$230.00} Account Type : Collection below are inquires on my credit report i've never authorized these inquires from these companies, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-06-11 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: NV

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. Thank you for your prompt assistance in this matter. 

XXXX 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 2018-06-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tormey Bewley Corporation
State: TX

Complaint narrative:
I noticed an invalid negative entry on my credit report from XXXX XXXX ( XXXX XXXX ) for a delinquency/charge off collection for a medical bill in the amount of {$270.00} from 3 years and 3 months ago ( XXXX ). 

The original creditors name was allegedly XXXX XXXX XXXX XXXX, whom initially reported an amount of {$170.00} that I was supposed to had owed. 

I heard of, never visited this so called laboratory, never used their medical services and never even been to any laboratory or hospital by this name.

Basically, my information was fraudulently used by someone to retain medical services in my name. I am 100 % sure and confident that this medical creditor doesn't have my any copies of my actual ID, or correct signatures on any of their documents or invoices that they supposingly have in my name. 

I tried to file a dispute with XXXX XXXX for this negative and invalid entry back in XX/XX/XXXXbut I never received a follow up or noticed any action was taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 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:
Due to recent media attention I pulled my credit report and noticed several accounts and inquires that are not mine and that do not belong to me. I would Like these accounts below taken off my credit report immediately I've also filed a police report and FTC report.

Account Type : Collection Account Name : XXXX XXXX XXXX XXXX Account Balance : {$570.00} Account Type : collection Account Name : XXXX XXXX XXXX Account Balance : {$1300.00} Account Type : Student LOAN Account Name : XXXX XXXX XXXX XXXX Account Balance : {$16000.00} Account Type : Collection Account Name : XXXX XXXX  Account Balance : {$59.00} Account Type : Collection Account Name : XXXX XXXX XXXX XXXX .

Account Balance : {$2100.00} Account Type : Collection Account Name : XXXX XXXX XXXX XXXX .

Account Balance : {$510.00} Account Type : Collection Account Name : XXXX XXXX XXXX XXXX  Account Balance : {$300.00} Account Type : Collection Account Name : XXXX XXXX XXXX XXXX  Account Balance : {$250.00} Account Type : Collection Account Name : XXXX XXXX XXXX   Account Balance : {$100.00} These companies have put inquires on my account that I did not authorize.

XXXX XXXX on or aroundXX/XX/2017 Below these addresses are not associated with me and I have never lived at. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-06-11 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: NV

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. Thank you for your prompt assistance in this matter. 

XXXX 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 2018-06-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Outsource Group, Inc
State: VA

Complaint narrative:
Hello, I'm a victim of identify theft. Upon checking, I noticed that XXXX posted this account on my credit report, without sending me any type of written correspondence to dispute this debt. This is extremely damaging to my credit report and has caused my score to drop. I ask that this company please remove this debt from my credit report at once, before I'm forced to seek legal action.

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 2018-06-11 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: NV

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Thank you for your prompt assistance in this matter. 

XXXX XXXX XXXX XXXX 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 2018-06-11 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:
Due to recent media attention I pulled my credit report and noticed several accounts and inquires that are not mine and that do not belong to me. I would Like these accounts below taken off my credit report immediately I've also filed a police report and FTC report.

Account Type : Collection Account Name : XXXX XXXX XXXX XXXX  Account Balance : {$570.00} Account Type : collection Account Name : XXXX XXXX XXXX Account Balance : {$1300.00} Account Type : Student LOAN Account Name : XXXX XXXX XXXX XXXX Account Balance : {$16000.00} Account Type : Collection Account Name : XXXX XXXX Account Balance : {$59.00} Account Type : Collection Account Name : XXXX XXXX XXXX XXXX .

Account Balance : {$2100.00} Account Type : Collection Account Name : XXXX XXXX XXXX XXXX XXXX

Account Balance : {$510.00} Account Type : Collection Account Name : XXXX XXXX XXXX XXXX Account Balance : {$300.00} Account Type : Collection Account Name : XXXX XXXX XXXX XXXX  Account Balance : {$250.00} Account Type : Collection Account Name XXXX XXXX XXXX XXXX   Account Balance : {$100.00} These companies have put inquires on my account that I did not authorize.

XXXX XXXXk on or around XX/XX/2017Below these addresses are not associated with me and I have never lived at. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-11 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:
Due to recent media attention I pulled my credit report and noticed several accounts and inquires that are not mine and that do not belong to me. I would Like these accounts below taken off my credit report immediately I've also filed a police report and FTC report.

Account Type : Collection Account Name : XXXX XXXX XXXX XXXX Account Balance : {$570.00} Account Type : collection Account Name : XXXX XXXX XXXX Account Balance : {$1300.00} Account Type : Student LOAN Account Name : XXXX XXXX XXXX XXXX  Account Balance : {$16000.00} Account Type : Collection Account Name : XXXX XXXX Account Balance : {$59.00} Account Type : Collection Account Name : XXXX XXXX XXXX XXXX XXXX  Account Balance : {$2100.00} Account Type : Collection Account Name : XXXX XXXX XXXX XXXX XXXX

Account Balance : {$510.00} Account Type : Collection Account Name : XXXX XXXX XXXX XXXX  Account Balance : {$300.00} Account Type : Collection Account Name : XXXX XXXX XXXX XXXX  Account Balance : {$250.00} Account Type : Collection Account Name : XXXX XXXX XXXX   Account Balance : {$100.00} These companies have put inquires on my account that I did not authorize.

XXXX XXXX on or around XX/XX/2017Below these addresses are not associated with me and I have never lived at.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-06-11 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: NV

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Thank you for your prompt assistance in this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-11 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: NV

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Thank you for your prompt assistance in this matter. 

XXXX XXXX XXXX XXXX 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 2018-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
I ha already complaint to you about ocwen twice 1. from the agreement that they had with you but the obmusman never and lied about not having the two accounts -- ( XXXX, XXXX ). I lost in total of {$670000.00} from AMHS that Ocwen own.

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 2018-06-11 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: NV

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my  Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Thank you for your prompt assistance in this matter.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-06-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: WA

Complaint narrative:
American Honda Finance did not send billing information until after the loan was due. Contacted them 2 days prior to the bill being due on XX/XX/XXXX. They told me to all back on Monday XX/XX/XXXX and I had to scramble to get the payment sent as they accused me it was late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 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: NV

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Thank you for your prompt assistance in this matter. XXXX XXXX XXXX  XXXX XXXX/XXXX XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-11 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: NV

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Thank you for your prompt assistance in this matter. XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-06-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: OR

Complaint narrative:
I received a loan of {$600.00} last XXXX, I have TO DATE paid {$1600.00}. 
I understand that the interest rate would be high, but this company is taking advantage of people.

Company response to consumer: Closed with explanation