vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-25 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: NC

Complaint narrative:
The following accounts were never late on the date specified, I took care of each of my accounts and it is paid in full, no balance.. I am extremely upset about this situation because I find it absolutely ridiculous that this information is being reported without making me aware of it.. Dispute letters were sent to no resolution..CFPB help me out here and fix or delete the accounts XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX this account inaccurately report by Equifax as charge off on XXXX and XX/XX/XXXX, XXXX XXXX XXXX XXXX - account inaccurately report by Equifax as charge off from XXXX to XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
All these inquiries on my credit files are fraudulently placed. I did not fill any application out for the following, please remove these unauthorized inquires 1 ) XXXX ( XXXX ) 2 ) XXXX ( XXXX ) 3 ) XXXX XXXX ( XXXX ) 4 ) XXXX XXXX ( XXXX ) 5 ) XXXX XXXX XXXX ( XXXX ) 6 ) XXXX ( XXXX ) 7 ) XXXX XXXX ( XXXX ) 8 ) XXXX XXXX ( XXXX ) 9 ) XXXX XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
All these inquiries on my credit files are fraudulently placed. I did not fill any application out for the following, please remove these unauthorized inquires 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 ( 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 2019-06-25 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: NC

Complaint narrative:
In all the years that I've been doing business with companies, I never perceived of, nor am I interested on purchasing services from them, take this off XXXX - ( ORIG CREDITOR : XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/2018 I applied for a credit card online with US Bank. I requested a credit limit of {$18000.00}. In addition I was requesting a balance transfer of {$17000.00} from another credit card. Both a credit limit and whether I wanted to initiate a balance transfer with the dollar amount were fields on their online application. Approximately 2 weeks later I received in the mail a credit card with a credit limit of {$1800.00}. I called their Customer Service lime and and was notified this was a system generated credit limit and if I wanted to be reconsidered for a higher amount that another credit inquiry was needed. I called numerous people within the organization to get this rectified but to no avail. One of their own Head Underwriters considered their system flawed. I eventually got in touch with the Office of the President and one of their reps contacted me and said she would call me back after she got my side of the situation. She never returned any of my numerous phone messages and then her number eventually just kept ringing - her voice mail never picked up again. This was after me leaving her messages for 3 weeks straight. Very unprofessional for such a large Bank. And thats where it ended - no way to get a hold of anyone.

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 2019-06-25 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: NC

Complaint narrative:
In all the years that I've been doing business with companies, I never perceived of, nor am I interested on purchasing services from them, take this off XXXX - ( ORIG CREDITOR : 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 2019-06-25 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: NC

Complaint narrative:
In all the years that I've been doing business with companies, I never perceived of, nor am I interested on purchasing services from them, take this off XXXX - ( ORIG CREDITOR : 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 2019-06-25 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: NC

Complaint narrative:
I am very disappointed on the development of how credit bureaus fix my credit report. It's as if nothing has changed..I know I don't deserve this erroneous information you are placing on my credit report..I have always been responsible with my payments, no late payments on XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 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: National Credit Adjusters, LLC
State: CA

Complaint narrative:
NATIONAL CREDIT ADJUSTERS has the original creditor listed incorrectly on my 3 credit reports.

On XXXX the original creditor is listed as National Credit Adjusters and on XXXX  and XXXXXXXX it is listed as XXXX XXXX XXXX XXXX. The information is inaccurate and I have sent letters requesting they investigate this and they have failed to do so. When applying for a loan this inaccuracy has been questioned and has caused me harm for not reporting accurate data. 
I need this removed from my credit before a suit is filed against them for furnishing inaccurate information and the CFPB is the only way I feel this can be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
I graduated in 2018 from a XXXX College. XXXX XXXX College/XXXX. 
*I got NO support for Cirtification Testing or my studies durung their program!! 
*I have a cirtified XXXX XXXX. 
*I told the school UP FRONT during their enrollment interview that I needed XXXX  XXXX XXXX accomidations!! 
*The school promissed to give me XXXX accomidation help. 
*They failed to help get me accommodations. 
They did not have any!! 
*Navient is the private loan holder. 
The original loan was for {$1000.00} XXXX College did not inform me of student aid at first, and signed me up for a private loan!! 
This private debt has been assigned to various collection agencies. 
**I gave the last agency a lump sum of {$400.00}!! 
Plus ... small instalments.None of which went toward principle of the {$1000.00}. 
Navient has the debt up to {$4000.00} NOW!! 
I have XXXX XXXX am on food stamps and live in Public Housing, and Do Not Work In The XXXX Program I Attended The As XXXX XXXX!! 
* I Also OWE {$20000.00} + In Federal Student Loans To a Servicer. From This Fraudulent Co. 
*I Am A Responsible Person!! 
This School is So Fraudulent, They Were Closed For Making False Promises!! 
*I Have Firmly Asked Navient and Thier Collection Goons For Hardship. 
NOTHING!! 
The Interest Continues To Rise!! 
I Want RID of This Debt!! 
PLEASE HELP!! 
Ps. My claim is too OLD to be forgiven through the class action law suit towards XXXX  Colleges. 
Pss. 
I have seen 2 lawyers.No help Pss. 
Their is borrowers defense. I have Not Got Any Help For This Private Debt or Federal!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
There is an account on my credit report and I have no knowledge of the debt. I have written to the company and have yet to receive a response. I have previously dealt with this agency on matters from my past and have even filed suit against them for violations of the TCPA by contacting me on my cell phone. This company does not seem to have proper policies and procedures in place when it comes to communication efforts made in attempts to collect on medical debt. The provider of services is wonderful, however, their choice in a vendor is definitely wrong. PMS does not represent the provider in a positive way and it is unfortunate. 

The otherissue is their failure to properly furnish my account number to the credit reporting agency, XXXX. When I review my report all I was able to see if X 's in the amount number so when I wrote to PMS I couldn't even properly reference the alleged account. Their furnishing practices are a joke.

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 2019-06-25 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:
It is my understanding that the following collection agencies are being reported on my credit report.. XXXX XXXX ( ORIG CREDITOR : XXXX XXXX HOSPITAL ) , XXXX XXXX XXXX XXXX..In relation to the debt, I do not own it, I've been denied credit because of this erroneous information. All I ask is that you delete this information from my credit report right away

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 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: MO

Complaint narrative:
Fraudulent accounts on my credit files and I'm asking that a full investigation be conducted and I'm provided with the Method and every detail of this investigation or you shall remove the accounts immediately. 

1. XXXX XXXX XXXX {$100.00} 2. XXXX XXXX {$420.00} 3. XXXX XXXX {$620.00} 4.  XXXX XXXX / XXXX  5. US Department of EDU {$1100.00} {$2000.00}

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 2019-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I only have one complaint and that is Portfolio is not reporting the correct amount on my file that is owed which is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On all 3 of my credit reports I have an outstanding account that is negatively reporting information from Macy 's. I have contact Macy ; s about this account and they have indicated the account was sent to a collection agency but are unable to give me the information for said agency. When I asked for a balance and or offered to pay the account they said they can not take my money because I need to pay the agency but they have no information on the agency. I have been getting the run around for years. I have called and written several times and have even offered to pay whatever balance I have bit no one seems to be able to locate the account nor assist me in locating the account. I have every intention of making good on this debt but have been unsuccessful in doing so. Being that no one form Macy ' can help me and that there is nothing I can do I feel it is not fair that this keeps affecting my credit and I have no way of controlling it. I need you help in getting this off my credit

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 2019-06-25 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: MO

Complaint narrative:
Fraudulent accounts on my credit files and I'm asking that a full investigation be conducted and I'm provided with the Method and every detail of this investigation or you shall remove the accounts immediately. 

1. XXXX XXXX XXXX {$100.00} 2. XXXX XXXX {$420.00} 3. XXXX XXXXXXXX {$620.00} 4. XXXX XXXX / XXXX XXXX. US Department of EDU {$1100.00} {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 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: MO

Complaint narrative:
Fraudulent accounts on my credit files and I'm asking that a full investigation be conducted and I'm provided with the Method and every detail of this investigation or you shall remove the accounts immediately. 

1. XXXX XXXX XXXX {$100.00} 2. XXXX XXXX {$420.00} 3. XXXX XXXX {$620.00} 4.  XXXX XXXX / XXXX 5. XXXX Department of EDU {$1100.00} {$2000.00}

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 2019-06-25 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:
It is my understanding that the following collection agencies are being reported on my credit report.. XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ) , XXXX XXXX XXXX XXXX..In relation to the debt, I do not own it, I've been denied credit because of this erroneous information. All I ask is that you delete this information from my credit report right away

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 2019-06-25 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:
It is my understanding that the following collection agencies are being reported on my credit report.. XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ) , XXXX XXXX XXXX XXXX..In relation to the debt, I do not own it, I've been denied credit because of this erroneous information. All I ask is that you delete this information from my credit report right away

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 2019-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I do not have an idea how this company conducted an inquiry on my credit report without my authorization! Please take this off my credit report immediately 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, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Names, Addresses are false spouse/co applicant : XXXX is false Never used names : XXXX XXXX XXXX XXXX XXXX Never used addresses : 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 Never had phone number 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 2019-06-25 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
To Whom It May Concern, In XXXX of XXXX, there were some fraudulent activities with my XXXX   account, resulting in me having to close the account. The account that was close is the account that I use to pay all my bills online and direct deposit. In XX/XX/XXXX I personally contacted Chase card services and updated my new information and I was reassured that everything is going to be ok moving forward. Fast forward to XXXX, y XXXX XXXX I contacted Chase card services to check on my rewards. The Chase representative informed me that my account is two months behind. I was surprised since I know I had set up a direct deposit. The representative informed me that she is taken care of everything and I should make a payment {$100.00} by XX/XX/XXXX. A payment of {$150.00} was scheduled for XX/XX/XXXX just to ensure everything is ok. A few days later Chase closes my account dropping my credit score over XXXX points. I was devastated and still is because I did everything that was required of me, I even contacted Chase with my updated back information. Now I am trying to buy my first home and kept getting denied grants because my credit score had dropped so low I am not eligible. I went above and beyond to resolve this issue. Chase is refusing to accept responsibility for what happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I do not have an idea how this company conducted an inquiry on my credit report without my authorization! Please take this off my credit report immediately 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, 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 2019-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I do not have an idea how this company conducted an inquiry on my credit report without my authorization! Please take this off my credit report immediately 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 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 2019-06-25 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: TN

Complaint narrative:
The following accounts were never late on the date specified, I took care of each of my accounts and it is paid in full, no balance.. I am extremely upset about this situation because I find it absolutely ridiculous that this information is being reported without making me aware of it.. Dispute letters were sent to no resolution..CFPB help me out here and fix or delete the accounts XXXX XXXX XXXX XXXX XXXX ( duplicate entry ), 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