vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-25 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: SC

Complaint narrative:
The personal information on my credit report is fraudulent

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 2019-04-25 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: GA

Complaint narrative:
I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX ; XXXX , XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ; ( Original Creditor : ) XXXX ; ( Original Creditor : ) XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 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: GA

Complaint narrative:
I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

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 2019-04-25 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 — Problem with personal statement of dispute
Company: Manhattan Beach Venture, LLC
State: TX

Complaint narrative:
I attended XXXX XXXX XXXX XXXX  in XXXX and the school was bought out. XXXX  XXXX  had fraudulent employees in the financial aid department who didnt thoroughly explain the process and forced students to sign up. Ive been trying to dispute this issue and have had problems for the last 8 years and its still on my credit

Company response to consumer: Untimely response
Consumer complaint received 2019-04-25 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: TX

Complaint narrative:
I do not recall taking out this loan and agreeing to these terms as listed on my credit report. I have disputed this multiple times and not only do the credit reporting agencies not appear to fully investigate, XXXX  XXXX EVERY MONTH refreshes my date as if it's a new collection, thus negatively impacting my credit score. I have asked for properly validation of this debt and have not received any copies of signed contracts or agreements. I have only received screen print outs that do not provide validation that the debt belongs to me. I have attempted to resolve amicably so my mortgage would not have been denied and they refused. Every month, even when I have not actively disputed the account, XXXX XXXX FALSLY places an in dispute comment on my report which again caused my great difficulty and affeted me negatively in trying to obtain a mortgage. The last attempt at validation on or about XX/XX/19 that I tried and specifically asked for signed contracts or agreements, I was told they had it and would send, however I again received screen print outs which do not properly validate my debt.

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 2019-04-25 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: TX

Complaint narrative:
I do not recall taking out this loan and agreeing to these terms as listed on my credit report. I have disputed this multiple times and not only do the credit reporting agencies not appear to fully investigate, XXXX XXXX EVERY MONTH refreshes my date as if it's a new collection, thus negatively impacting my credit score. I have asked for properly validation of this debt and have not received any copies of signed contracts or agreements. I have only received screen print outs that do not provide validation that the debt belongs to me. I have attempted to resolve amicably so my mortgage would not have been denied and they refused. Every month, even when I have not actively disputed the account, XXXX XXXX FALSLY places an in dispute comment on my report which again caused my great difficulty and affeted me negatively in trying to obtain a mortgage. The last attempt at validation on or about XX/XX/19 that I tried and specifically asked for signed contracts or agreements, I was told they had it and would send, however I again received screen print outs which do not properly validate my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I do not recall taking out this loan and agreeing to these terms as listed on my credit report. I have disputed this multiple times and not only do the credit reporting agencies not appear to fully investigate, XXXX XXXX EVERY MONTH refreshes my date as if it's a new collection, thus negatively impacting my credit score. I have asked for properly validation of this debt and have not received any copies of signed contracts or agreements. I have only received screen print outs that do not provide validation that the debt belongs to me. I have attempted to resolve amicably so my mortgage would not have been denied and they refused. Every month, even when I have not actively disputed the account, XXXX XXXX FALSLY places an in dispute comment on my report which again caused my great difficulty and affeted me negatively in trying to obtain a mortgage. The last attempt at validation on or about XX/XX/19 that I tried and specifically asked for signed contracts or agreements, I was told they had it and would send, however I again received screen print outs which do not properly validate my debt.

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 2019-04-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: OR

Complaint narrative:
US Bank Debit Visa Check Card ending XXXX XXXX XXXX XXXX Debit Visa Card ending XXXX XXXX XXXX XXXX Debit Visa Card ending XXXX http : //Pay.gov Tracking ID : XXXX .Information to bank to remove the debit block. Company ID : XXXX Name : XXXX XXXX Invoice from XXXX XXXX bank XXXX ( XXXX ) Unclaimed Payment ( XXXX ) XXXX Merchant Payment Profile ID : XXXX USA NATO Bill Pay Federal Document Nbr XXXX Executive Office for Immigration Tax Reform USA President XXXX XXXX XXXX Itinerary Summary On Hold Record Locator : XXXX   This reservation is on HOLD until XX/XX/2019 XXXX XXXX CET ( Central XXXX Time ). 
Electronic payment Receipt Acknowledgement - XXXX  ( XXXX ) Have No valid Ticket number - XXXX member 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 2019-04-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
The addresses and name on my credit report are fraudulent.

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 2019-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd

Complaint narrative:
On the day XXXX of XXXX, I resend a transfer that I put with incorrect information, now with information that suppose to be correct. Then I wait until the XXXX of XXXX because this it suppose to be the date to recieve the money, but for my sorprise the operation appear to be completed but I do not see any money, appart of my actual amount, on it. Then, the next day I ask to my bank about my transfer with my reciept, but because some but data inserted, it suppose to be refunded again and be able to resend to the correct information as it can see on the files below. 
And now because I wait the legal 48 hours for my refund and do not see nothing I need to look for help of some other organization because I do not see any cooperation from the site responsible of the Transfer TransferWise. 
I believe that this error can be solved for continue with my studies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Tate and Kirlin Assoc
State: CA

Complaint narrative:
1.Original Creditor - XXXX XXXXXXXX XXXX XXXXXXXX 2.Collection Agency - XXXX XXXX XXXX 3.Now Owned By - Tate & Kirlin Associates , Inc Two Different Amounts {$1200.00} - {$1200.00} Claiming Amount Owned Date Disputed XXXX - XXXX - XXXX Disputed Charges And Asked For VOD Validation Of Debt *** NOT Validation*** Resolution :XX/XX/2018 Per XXXX  : I Quote Account Information Disputed By Consumer ( Meets Requirements The Fair Credit Act ) Inaccurate, Unverified Accounts Per FCRA Sec. XXXX Using XXXX XXXXXXXX XXXX is an automated does not even begin to Constitute a reasonable Investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 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: EQUIFAX, INC.
State: CO

Complaint narrative:
The addresses and name on my credit report are fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-25 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: CO

Complaint narrative:
The addresses and name on my credit report are fraudulent.

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 2019-04-25 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: Navient Solutions, LLC.
State: IL

Complaint narrative:
I have loans with Navient and XXXX which Ive been trying to solve since last year. I have wanted to come to a resolution with my loans but unfortunately someone has filed a class action lawsuit which wont allow me to touch my loans. I cant even pay on them. They have been on my credit report since 2004. They should not be on my credit report after 7 years. I know students who took loans with me in the same year and had the same status as my loan currently is, yet their loans have been removed from their credit report because of the time passed. 
Please have these loans removed from my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 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: SC

Complaint narrative:
with this company. In additionally, I have sent in a copy of my police report to Equifax, XXXX, and XXXX. I have disputed these items with these companies over and over again. The fraudulent items are : XXXX XXXX : Reported Balance $ XXXX- Fraudulent item : XXXX XXXX : Reported Balance {$3.00}, XXXX Fraudulent item XXXX : Reported Balance {$410.00} Fraudulent item Never heard of this company and have disputed this item before and required proof of document with sign. 
XXXX XXXX ( CLOSED ) : Reported {$560.00} -Fraudulent item- Account has been proven fraud and removed according your company response to last complain # XXXX to Consumer finance.gov. Your response ( This item has been deleted from the credit file. If you have additional questions about this item please contact : XXXX XXXX ( CLOSED ) SAME ACCOUNT ABOUT WITH DIFFERENT REPORTING BALANCE : REPORTED BALANCE : {$920.00} ; FRAUDULENT ITEM. This account has been proven fraud by your company in before complaint ; however, it is listed on my credit report. Previous report number is : Your response : XXXX has been proven fraud by your company however, it is still listed on my credit report. Reporting Balance : {$7000.00} :, XXXX XXXX XXXX, XXXX, IN XXXX Phone : ( XXXX ) XXXX. ). The complaint report number ( # XXXX to Consumer finance.gov. Your response ( This item has been deleted from the credit file. If you have additional questions about this item please contact : ) XXXX have been deleted. 

XXXX : Reported Balance {$1100.00} Fraudulent item Never open this account. 

The collection account XXXX XXXX : Reporting Balance $ XXXX- This item doesnt belong to me. The original company reporting it is XXXX XXXX XXXX. I was never treated by this company. The person it belongs to had insurance and it was billed. 

Please do you due diligent and removed these fraudulent items from my credit report. This is causing harm to your future in purchasing and getting a career I desire. I have sent in a police report and you still have these items on my report. Also, you guys have items which have been proven fraud by Equifax, XXXX, and XXXX listed on my report. 
Please remove incorrect personal informant Equifax : Name : XXXX XXXX. My name is only XXXX XXXX. 
I ASKED BEFORE TO REMOVE FRAUDLUENT INQUIRY WHICH ARE INQUIRY I DONT HAVE AN ACCOUNT WITH. THANKS ALL COMPANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
JP Morgan Chase Debit Visa Card ending XXXX http : //Pay.gov Tracking ID : XXXX .Information to bank to remove the debit block. Company ID : XXXX Name : XXXX XXXX Invoice from XXXX XXXX XXXX XXXX ( XXXX ) Unclaimed Payment ( XXXX ) XXXX Merchant Payment Profile ID : XXXX XXXX XXXX Bill Pay Federal Document XXXX XXXX Executive Office for Immigration Tax Reform USA President XXXX XXXX XXXX Itinerary Summary On Hold Record Locator : XXXX This reservation is on HOLD until XX/XX/2019 XXXX XXXX XXXX ( XXXX XXXX XXXX ). 
Electronic payment Receipt Acknowledgement - XXXX  ( XXXX ) Have No valid Ticket number - XXXX   member XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I had a XXXX XXXX account in collections on my credit starting XX/XX/XXXX. I had several other things as well. I went through bankruptcy and completed the filing and process of that in XX/XX/XXXX. Everything including the XXXX XXXX was supposed to be off my credit report as it was in with my bankruptcy. They never took it off and even with a dispute experien says it will remain. Granted I only have a few more months for it to be 7 years and will be off my credit, it should of been off 5 years ago. After bankruptcy Im supposed to have a clean slate and Ive worked hard for a good score.

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 2019-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had two cash reward credit cards with Bank of America. Account numbers XXXX and XXXX. On each one they approved me a credit limit of {$12000.00} so I have excellent credit history. These two credit card I have been using for my everyday purchases so they have good cash back programs. I used these credit cards for several years and always paid them on time so they raised my credit limits to {$25000.00}. I was collecting my cash back rewards so I could get some vacation for my family for this coming summer. Last week I was trying to use my card ending in XXXX at XXXX gas station and it declined the purchase. I have called them and spoke with a representative XXXX. She was very vary rude to me and says that they resided to close my account because I did some irregular transaction. I asked about my cash reward balance and she told me that all my cash rewards got lost so they are not going to give it to me. I am checking my last six months history and I did my use my card at any other places that I am using always ( gas stations, restaurants and construction stores ). She also informed me that they put me on their XXXX list so they don't want to have relationship with me. Couple of months ago they automatically raised my credit limit because I am very responsible person and they see all my transactions and my credit history. Also besides closing my accounts they even blocked all my cash rewards they I have earned for all these long period of time. Please tell them to show you my whole transactions so you will see that all my transaction were done 99 % from same stores and nothing was irregular. I have enclosed copy of their letters that I have received yesterday.

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 2019-04-25 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: SC

Complaint narrative:
with this company. In additionally, I have sent in a copy of my police report to XXXX, TransUnion, and XXXX. I have disputed these items with these companies over and over again. The fraudulent items are : XXXX XXXX : Reported Balance $ XXXX Fraudulent item : XXXX XXXX XXXX Reported Balance {$3.00}, XXXX Fraudulent item XXXX : Reported Balance {$410.00} Fraudulent item Never heard of this company and have disputed this item before and required proof of document with sign. 
XXXX XXXX XXXX CLOSED ) : Reported {$560.00} -Fraudulent item- Account has been proven fraud and removed according your company response to last complain # XXXX to Consumer finance.gov. Your response ( This item has been deleted from the credit file. If you have additional questions about this item please contact : XXXX XXXX XXXX CLOSED ) SAME ACCOUNT ABOUT WITH DIFFERENT REPORTING BALANCE : REPORTED BALANCE : {$920.00} ; FRAUDULENT ITEM. This account has been proven fraud by your company in before complaint ; however, it is listed on my credit report. Previous report number is : Your response : XXXX  has been proven fraud by your company however, it is still listed on my credit report. Reporting Balance : {$7000.00} :, XXXX XXXX XXXX, XXXX, IN XXXX Phone : ( XXXX ) XXXX. ). The complaint report number XXXX # XXXX to Consumer finance.gov. Your response ( This item has been deleted from the credit file. If you have additional questions about this item please contact : ) XXXX have been deleted. 

XXXX : Reported Balance {$1100.00} Fraudulent item Never open this account. 

The collection account XXXX XXXX : Reporting Balance $ XXXX This item doesnt belong to me. The original company reporting it is XXXX XXXX XXXX. I was never treated by this company. The person it belongs to had insurance and it was billed. 

Please do you due diligent and removed these fraudulent items from my credit report. This is causing harm to your future in purchasing and getting a career I desire. I have sent in a police report and you still have these items on my report. Also, you guys have items which have been proven fraud by XXXX, Transunion, and XXXX listed on my report. 
Please remove incorrect personal informant XXXX : Name : XXXX XXXX. My name is only XXXX XXXX. 
I ASKED BEFORE TO REMOVE FRAUDLUENT INQUIRY WHICH ARE INQUIRY I DONT HAVE AN ACCOUNT WITH. THANKS ALL COMPANY.

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