vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-30 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:
I am requesting that XXXX XXXX XXXX be removed from my credit file with all 3 credit bureaus. XXXX XXXX XXXX XXXX falsified my initial credit application to get me financed. This information has been submitted to XXXX XXXX XXXX as well. And also The FTC and my attorney. I am requesting investigation and immediate removal off my credit report the dealership falsified my records by changing my monthly income of XXXX to XXXX to get me financed. According to FCRA you can not report fraudulent inaccurate information to my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 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: AL

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. 

XXXX XXXX XXXX XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX ; 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 2019-05-30 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: CAVALRY INVESTMENTS, LLC
State: PA

Complaint narrative:
CAVALRY PORTFOLIO SERVICE # XXXX Collection Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX ( Paid in settlement. ) This letter is a formal dispute under the provisions of the Fair Credit Reporting Act ( " FCRA '' ) 15 USC Section 1681 et seq. that the above named company is reporting inaccurate credit information. 

Company above appears on my credit report making inaccurate derogatory remarks in violation of the Fair Credit Reporting Act. Inaccurately reporting that I owe them : {$350.00} dollars on : XX/XX/XXXX I submit that this derogatory remark should and must be removed from my credit report based on the following : 1. above company has reported and has continued to report such derogatory remarks beyond the statute of limitation ; 2. above named company reports status as paid in settlement then also reports " on Record until XXXX 2019 ''. 

Above named company can not report two different reports and inaccurate remarks to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 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:
I am requesting that XXXX XXXX XXXX be removed from my credit file with all 3 credit bureaus. XXXX XXXX XXXX XXXX falsified my initial credit application to get me financed. This information has been submitted to XXXX XXXX XXXX as well. And also The FTC and my attorney. I am requesting investigation and immediate removal off my credit report the dealership falsified my records by changing my monthly income of XXXX to XXXX to get me financed. According to FCRA you can not report fraudulent inaccurate information to my credit file

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 2019-05-30 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: Midwest Recovery Systems
State: UT

Complaint narrative:
On XX/XX/2019 it says that I applied for a loan and bows it went to collections. The amount is XXXX I never applied for the loan. Someone stole my social security number and are using my name. I want this to stopped now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 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 XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : 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 2019-05-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
NATIONAL CREDIT SYSTEMS at XXXX XXXX XXXX, XXXX, GA XXXX or ( XXXX ) XXXX {$5900.00} to {$1900.00} Since 2014 I have been charged an enormous amount that a debt buyer purchased without a thorough investigation. I have been calling a couple of times per year to get this resolved with no avail. A dispute with XXXX was recently modified but no actual changes to the amount was completed. The apartment complex actually sent me an email and tried to reach out to national credit system but XXXX wasn't trying to mitigate the situation. I reached to speak with him several times. The last time he placed me on a 45 minute hold when I asked to speak to a supervisor. The amount should be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
On XX/XX/XXXX, {$480.00} was charged to my Citi Mastercard for XXXX XXXX. I, nor anyone on my behalf purchased airfare.

On XX/XX/XXXX, I discovered the fraudulent charge and notified Citi. They closed my card and issued a refund.

On XX/XX/XXXX, Citi reversed the refund issued and placed back the fraudulent charge of {$480.00}.

On XX/XX/XXXX, Citi card emailed me at XXXX requesting that I verify that I have reviewed my statement and still confirm that I am disputing. I responded that same day at XXXX confirming that I nor anyone authorized by me made this charge or received any benefit from this charge. Received a copy of the response from XXXX XXXX and a copy of the ticket. It did not reflect correct information that even matches my husband 's name. The middle name listed on the flight information says XXXX, but my husband 's middle name is XXXX. It also shows an email address that is not an email address we have and the phone number listed is not our phone numbers.

On XX/XX/XXXX, I spoke to XXXX XXXX in the Citi credit card fraud department. She stated that the matter would be resolved in 7-8 business days.

On XX/XX/XXXX at XXXX, I spoke to XXXX   who stated that there were no updates on the account since the last conversation on XX/XX/XXXX. She stated that she sent the request to be expedited and will follow up with XXXX XXXX and the merchant. She also stated that it should be resolved by time the billing statement ended on XX/XX/XXXX or XX/XX/XXXX. On XX/XX/XXXX at XXXX, I spoke to XXXX  in Citi card fraud department. He told me the refund had been issued on XX/XX/XXXX. I explained that I had checked my credit card statement and no refund is reflecting on my account. He hung up on me at XXXX. I immediately called back again and spoke to XXXX in Citi card fraud department. She stated that she is raising a formal complaint and it was unknown when the issue would be resolved.

Currently, as of XX/XX/XXXX, no refund has been issued back for the fraudulent charge of {$480.00}.

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 monetary relief
Consumer complaint received 2019-05-30 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: ERC
State: PA

Complaint narrative:
Enhanced Recovery Collection Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX ( Paid in settlement. ) This letter is a formal dispute under the provisions of the Fair Credit Reporting Act ( " FCRA '' ) 15 USC Section 1681 et seq. that the above named company is reporting inaccurate credit information. 

Company above appears on my credit report making inaccurate derogatory remarks in violation of the Fair Credit Reporting Act. Inaccurately reporting that I owed them : {$81.00} dollars on : XX/XX/XXXX I submit that this derogatory remark should and must be removed from my credit report based on the following : 1. above company has reported and has continued to report such derogatory remarks beyond the statute of limitation ; 2. above named company reports status as paid in settlement then also reports " on Record until XX/XX/XXXX ''. Above named company can not report two different reports and inaccurate remarks to credit bureaus ; 3. above named company reports two different inaccurate remarks on credit report : a ) that the dept was paid in settlement ; 2 ) that I still owe {$81.00} dollars. Above named company can not report two different inaccurate remarks to credit reported bureaus ; 4. the above named company was not the initial company who I allegedley did business with ; 5. above company has reported and has continued to report such derogatory remarks without having a signed and authorized document from me as doing business with them. Or hiring or soliciting their services or purchasing their products/items. Initially the inaccurate information states that I did busienss with XXXX XXXX. And not Enhanced Recovery. 

6. above company has reported and has continued to report such derogatory remarks by purchasing an alleged debt I owed to another company or business/provider, without my consent ;

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
This day is not mine and it has never been mines this originated from my son who was at the time XXXX years old and he had health insurance at the time which was medical do this state because he was receiving social security XXXX and I told this creditor this was not mine this is my child into charge medical for this emergency rooms is it which they shouldn't charge them for but if it was going to charge him they should have put it to medical because he had health insurance I don't know how this got in my name and I don't owe this because it's not mine and they should have built medical when I attempted to explain the situation they told me that any told me that they can't look it up because it's too old and I no longer have any record of it this is not my eyes every time I try to dispute it it says it's accurate that it's mines and it's not I want it off my credit report is affecting my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 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: NC

Complaint narrative:
XXXX XXXX company was included in my bankruptcy from XX/XX/2014. It was completely gone from my credit and now it has reappeared from XXXX XXXX XXXX as an open account in the amount of {$17000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 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: FL

Complaint narrative:
i am an id theft victim. there are few accounts on my report that were opened without me knowing, they are as follows XXXX balance XXXX. this is not my account XXXX XXXX XXXX this is not my account public bankruptcy. fraud i have attached a police report and an id theft report

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 2019-05-30 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: NV

Complaint narrative:
This issue is an existing problem which credit bureaus wasn't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error XXXX/XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 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: IL

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. 

( Original Creditor : ) XXXX ; ( Original Creditor : ) XXXX ; ( Original Creditor : ) XXXX ; Chapter XXXX Bankruptcy ;

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 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: Statewide Credit Services Corp.
State: PA

Complaint narrative:
Statewide Credit Service Collection Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX ( Paid in settlement. ) This letter is a formal dispute under the provisions of the Fair Credit Reporting Act ( " FCRA '' ) 15 USC Section 1681 et seq. that the above named company is reporting inaccurate credit information. 
Company above appears on my credit report making inaccurate derogatory remarks in violation of the Fair Credit Reporting Act. Inaccurately reporting that I owed them : {$270.00} dollars on : XX/XX/XXXX. 

I submit that this derogatory remark should and must be removed from my credit report based on the following : 1. above company has reported and has continued to report such derogatory remarks beyond the statute of limitation ; 2. above named company reports status as paid in settlement.

Above named company can not report two different reports and inaccurate remarks to credit bureaus ; 3. above named company reports two different inaccurate remarks on credit report : a ) that the dept was paid in settlement ; 4 ) that I still owe {$270.00} dollars. Above named company can not report two different inaccurate remarks to credit reported bureaus ; 5. the above named company was not the initial company who I allegedley did business with ; 6. above company has reported and has continued to report such derogatory remarks without having a signed and authorized document from me as doing business with them. Or hiring or soliciting their services or purchasing their products/items. Initially the inaccurate information states that I did busienss with XXXX. And not Statewide Credit Service. 
6. above company has reported and has continued to report such derogatory remarks by purchasing an alleged debt I owed to another company or business/provider, without my consent ;

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 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 have submitted a request to XXXX XXXX and equifax pursuant to section 605B of the FCRA and XXXX is the only one who blocked the information. I sent certified mail return receipt requested and on XX/XX/19 equifax received the request with the FTC affidavit my police report and letter identifying what needs to be blocked and they refuse to block it in the 4 day mandated period and told me today ( XX/XX/19 ) that their internal operating procedures required them to investigate which takes 30 days. I tried to explain to 4 different supervisor that the law requires that the information be blocked within 4 days and I was met with resistance and after 4 hours of talking on the phone going up the chain of command I was still told that I have to wait 30 days for the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 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: FL

Complaint narrative:
i am an id theft victim. there are few accounts on my report that were opened without me knowing, they are as follows XXXX balance XXXX. this is not my account XXXX XXXX XXXX this is not my account public bankruptcy. fraud i have attached a police report and an id theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 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: Statewide Credit Services Corp.
State: PA

Complaint narrative:
Statewide Credit Service Collection Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX ( Paid in settlement. ) This letter is a formal dispute under the provisions of the Fair Credit Reporting Act ( " FCRA '' ) 15 USC Section 1681 et seq. that the above named company is reporting inaccurate credit information. 
Company above appears on my credit report making inaccurate derogatory remarks in violation of the Fair Credit Reporting Act. Inaccurately reporting that I owed them : {$270.00} dollars on : XX/XX/XXXX. 

I submit that this derogatory remark should and must be removed from my credit report based on the following : 1. above company has reported and has continued to report such derogatory remarks beyond the statute of limitation ; 2. above named company reports status as paid in settlement.

Above named company can not report two different reports and inaccurate remarks to credit bureaus ; 3. above named company reports two different inaccurate remarks on credit report : a ) that the dept was paid in settlement ; 4 ) that I still owe {$270.00} dollars. Above named company can not report two different inaccurate remarks to credit reported bureaus ; 5. the above named company was not the initial company who I allegedley did business with ; 6. above company has reported and has continued to report such derogatory remarks without having a signed and authorized document from me as doing business with them. Or hiring or soliciting their services or purchasing their products/items. Initially the inaccurate  information states that I did busienss with XXXX. And not Statewide Credit Service.

6. above company has reported and has continued to report such derogatory remarks by purchasing an alleged debt I owed to another company or business/provider, without my consent ;

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 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: NV

Complaint narrative:
This issue is an existing problem which credit bureaus wasn't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error 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