vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-12 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:
I'm requesting for the 3 major credit reporting agencies to remove and block these following unauthorized accounts reporting on my credit file. The following accounts do not belong to me. 

1 ) XXXX XXXX XXXX  {$1700.00} 2 ) XXXX XXXX XXXX {$1100.00} 3 ) XXXX XXXX XXXX   {$2000.00} 4 ) XXXX XXXX 5 ) XXXX XXXX 6 ) XXXX XXXX XXXX XXXX XXXX {$4600.00}

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 2020-04-12 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:
I'm requesting for the XXXX major credit reporting agencies to remove and block these following unauthorized accounts reporting on my credit file. The following accounts do not belong to me. 

1 ) XXXX XXXX XXXX  {$1700.00} 2 ) XXXX XXXX XXXX {$1100.00} 3 ) XXXX XXXX XXXX   {$2000.00} 4 ) XXXX XXXX 5 ) XXXX XXXX 6 ) XXXX XXXX XXXX XXXX XXXX {$4600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 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:
I'm requesting for the 3 major credit reporting agencies to remove and block these following unauthorized accounts reporting on my credit file. The following accounts do not belong to me. 

1 ) XXXX XXXX XXXX {$1700.00} 2 ) XXXX XXXX XXXX {$1100.00} 3 ) XXXX XXXX XXXX   {$2000.00} 4 ) XXXX XXXX 5 ) XXXX XXXX 6 ) XXXX XXXX XXXX XXXX XXXX {$4600.00}

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 2020-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: CARD Corporation
State: NY

Complaint narrative:
On XX/XX/XXXX, I filed a claim for {$800.00} regarding an ATM error. I filled out the claim forms and sent it back promptly on XX/XX/XXXX. I then called Card.com to inform them that I uploaded the documents online and they said they received it and that I would receive a provisional credit on or before XX/XX/XXXX. I waited until then and nothing happened. I called Card.com on XX/XX/XXXX to inquire about my provisional credit. I was told my claim would be escaladed within 24-48 business hours. I called again on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX ; XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, and was told the same thing each time I called : your claim will be escaladed and you should receive an update or a provisional credit, which never happened! Then, I noticed on XX/XX/XXXX that my online access and card was restricted. I called and was told that my account was blocked due to fraud and I wouldn't able to receive direct deposit ( I get paid on this card every Friday by the way ), and my card was blocked. I was asked to send pictures of the following via e-mail to verify my identity : Social Security Card, State ID, and utility bill. I sent those documents on XX/XX/XXXX. The representative said it would take 24-48 hours to process and subsequently remove the block. That never happend. First my card was blocked, then my entire account. I never received an explanation behind why my account was blocked from in the first place ; I never filed a fraud claim! Anyway, my direct deposit was blocked like they said they would, and my account is literally inactive. I rely heavily on this card, because I get paid weekly on it and my stimulus check is suppose to be deposited on this card too.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 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'm having an identity theft issue on my report for an account from the XXXX that I'm not legally responsible for based on fcra section 609 I'm not the holder oF this account and have requested the original contracts please assist me in getting this resolved

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 2020-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax is supplying banks and other institutions my credit report with a large amount of inaccurate and expired information which cause me and the corporation I am president of to not be approved when opening an application for credit or bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2020-04-12 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
PORTFOLIO RECOVERY ASSOCIATES Account # XXXX XXXX  : I requested verification of collection account from PORTFOLIO RECOVERY ASSOCIATES. XXXX XX/XX/XXXX responded with account has been verified by the PORTFOLIO RECOVERY ASSOCIATES. 
I contacted PORTFOLIO RECOVERY ASSOCIATES and asked for validation of the debt by requesting information allowed under 15 USC 1692g ( Complete payment history, the requirement of which has been established by XXXX XXXX XXXX, XXXX XXXX XXXX ; XXXX XXXX. App. XXXX XXXX. Please provide verification by line item ( with an explanation of each item such as when the purchase took place, how much the item was, were the goods received, when were the goods received, etc. ) for the entire amount you say I owe XXXX. When, PORTFOLIO RECOVERY ASSOCIATES responded they were not able to produce the information I requested, but produced a standard document by XXXX XXXX XXXX ( XXXX ) stating that PORTFOLIO RECOVERY ASSOCIATES had purchased the debt, but did not provide any additional information spelled out in XXXX XXXX XXXX. 

I forwarded this information to Experian and requested a re-investigation under 15 USC 1681 along with response from original creditor and PORTFOLIO RECOVERY ASSOCIATES ( Collection Agency ) and requested that the account be deleted if it could not be verified by the original creditor " XXXX XXXX XXXX  ( XXXX  ) ''. My recent credit report from XXXX  still shows the " Unverified '' account on my report 15 USC 1681 As the Eleventh Circuit has held, Section 1681s2 ( b ) contemplates three potential ending points to reinvestigation : verification of accuracy, a determination of inaccuracy or incompleteness, or a determination that the information can not be verified.704 When its investigation determines that disputed information is inaccurate, incomplete, or can not be verified, the furnisher must, as appropriate, modify, delete, and/or permanently block the reporting of that item of information to prevent its re-reporting. 705 The statute establishes a default position that places the burden on the furnisher to verify the accuracy of disputed information.706 The FTC has therefore stated that [ u ] nless the furnisher is able to confirm the disputed item of information, it must cease reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 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:
I'm having an identity theft issue on my report for an account from the XXXX that I'm not legally responsible for based on fcra section 609 I'm not the holder oF this account and have requested the original contracts please assist me in getting this resolved

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 2020-04-12 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am writing in regards to a late payment on my credit report from for XX/XX/2019 on my Chase account # XXXX, highest balance {>= $1,000,000} that occurred due to a third-party error. 

My due date is the XX/XX/XXXX of the month. On XX/XX/XXXX I received a payment confirmation from XXXX stating that my payment was successfully submitted. However, one month later I realized that I had a late payment reported. On XX/XX/XXXX, I received an email from the third-party company stating that they committed an error and my payment did not go through. 

This was a situation that I could not control. I had over {$50000.00} in the bank, which was more than enough to make the payment. This was not a money issue or even worse, because I did not want to pay. Now I have a perfect record of on-time payments. 

Please send the attached document to JP Morgan Chase Bank. 

Thank you for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
There is an item that keeps being put onto my credit report by all three major credit bureaus. The item is from XXXX XXXX XXXX. 

XXXX XXXX XXXX filed a lawsuit about the alleged debt and the case was dismissed due to " There is not sufficient evidence to continue prosecution of this case. '' and the case was dismissed. I have asked for this to be removed and to not be reposted to my credit report and it continue to reappear on all three bureaus. 


All three credit bureaus Equifax XXXX XXXX Debt Collector XXXX XXXX XXXX Amount of alleged debt {$2400.00} Account # XXXX Court Justice Court XXXX XXXX XXXX XXXX County Texas Case Number XXXX Dismissed Date XX/XX/2018 XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 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:
I recently check my credit for accuracy and to my surprises there were a number of accounts reporting in my name, credit accounts that where not mine and I didn't have any knowledge of, this is when I realize that I have been breached and my identity stolen, immediately I started to investigating in what steps I should take to mitigate the damage in my credit, I found out that a report with the FTC has to be made. So I'd like to ask for you help to resolve this issue and restore my credit reputation. Thank you.

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 2020-04-12 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2020-04-12 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX DOB:XXXX  XXXX XXXX XXXX SS : XXXX XXXX XXXX, GA XXXX Equifax XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : Your company has been listing these items inaccuracy, no name of creditor, no contact information, this is inaccurate reporting 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. 
Name of Account Account Number Provide Physical Verification COLLECTION XXXX Unverified Account COLLECTION XXXX Unverified Account XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX NOT MY ADDRESS XXXX XXXX XXXX NOT MY ADDRESS XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOT MY ADDRESS XXXX, GA XXXX XXXX XXXX  XXXX NOT MY ADDRESS XXXX XXXX, GA XXXX XXXX XXXX XXXX NOT MY ADDRESS XXXX XXXX, GA XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I have a credit card from AMEX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called AMEX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and AMEX with no successful resolution. XXXX only reporting me 30 days late in XX/XX/2015. There was an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 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've tried to resolve these stolen accounts on several occasions with no feedback I have collections on all bureaus that are inaccurate there is an issue with a misconstrued name I believe I've never had anything in my name either than a student loan please assist me in the removal of the fraudulent items thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
I accrued medical debt when I was not on my own insurance at the time I was under my mothers. So because I was under her insurance at the time the bill in my name was wrong and it should be corrected

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have a credit card from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX with no successful resolution. Experian only reporting me 30 days late in XX/XX/2015. There was an error on their part. I was never 30 days late.

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 2020-04-13 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:
When my identity was first compromised, I reported it and requested for these unknown and unauthorized accounts to be removed and yet the credit reporting agencies still hasn't taken the proper action to do so. So before taking further action on my end I'm demanding that these unauthorized accounts be removed and blocked immediately. The following accounts are not mines. 

1 ) XXXX XXXX XXXX 2 ) XXXX XXXX Account {$3700.00} 3 ) XXXX XXXX XXXX {$2000.00} 4 ) XXXX {$410.00} 5 ) US Dept of ED/XXXX {$1700.00} 6 ) US Dept of ED/XXXX {$3500.00} 7 ) US Dept of ED/XXXX {$200.00} 8 ) US Dept of ED/XXXX {$900.00} 9 ) US Dept of ED/XXXX {$350.00} 10 ) US Dept of ED/XXXX {$1700.00} 11 ) US Dept of Education {$490.00} 12 ) US Dept of Education {$1000.00} 13 ) US Dept of Education {$1000.00} 14 ) US Dept of Education {$3700.00} 15 ) US Dept of Education {$290.00} 16 ) US Dept of Education {$1800.00}

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 2020-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There is an item that keeps being put onto my credit report by all three major credit bureaus. The item is from XXXX XXXX XXXX. 

XXXX XXXX XXXX filed a lawsuit about the alleged debt and the case was dismissed due to " There is not sufficient evidence to continue prosecution of this case. '' and the case was dismissed. I have asked for this to be removed and to not be reposted to my credit report and it continue to reappear on all three bureaus. 


All three credit bureaus XXXX XXXX TransUnion Debt Collector XXXX XXXX XXXX Amount of alleged debt {$2400.00} Account # XXXX Court Justice Court XXXXt XXXX XXXX XXXX County Texas Case Number XXXX Dismissed Date XX/XX/2018 XX/XX/2018

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 2020-04-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There is an item that keeps being put onto my credit report by all three major credit bureaus. The item is from XXXX XXXX XXXX. 

XXXX XXXX XXXX filed a lawsuit about the alleged debt and the case was dismissed due to " There is not sufficient evidence to continue prosecution of this case. '' and the case was dismissed. I have asked for this to be removed and to not be reposted to my credit report and it continue to reappear on all three bureaus. 


All three credit bureaus XXXX Experian XXXX Debt Collector XXXX XXXX XXXX Amount of alleged debt {$2400.00} Account # XXXX Court Justice Court XXXX XXXX XXXX XXXX County Texas Case Number XXXX Dismissed Date XX/XX/2018 XX/XX/2018

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