vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-24 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: OH

Complaint narrative:
I was going over my credit report and I noticed that there are several unauthorized inquires of my report. I do not recall applying for any account for business or credit. I am not sure who would access my personal information for credit or business. These transactions were not originated by me nor did I give anyone permission to pull my credit report. I already own a vehicle. The following inquiries are not mine : XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX. I am filing a complaint with the XXXX Police Dept as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XXXX XXXX continues to report debt on an account that is not mine and a result of identity theft.

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 2019-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: TX

Complaint narrative:
Discover continues to report a debt that is not mine and a result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-24 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:
I have attempted to work with TransUnion in removing an account that is a result of identity theft with no resolution. I have attached my identity theft report and police report for further assistance. 

The following accounts I am disputing are : XXXX XXXX XXXX ( Identity Theft )

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 2019-02-24 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: TX

Complaint narrative:
Equifax has failed to look into the dispute that I've submitted regarding XXXX XXXX XXXX. This company is reporting an account as a result of identity theft, I have tried to work directly with Equifax and with XXXX XXXX and have got nowhere. XXXX XXXX is a collection agency that is trying to collect a debt that was caused by identity theft. They continue to say it's my debt as it is under my name, however, it is a result of identity theft ( the reason why it's called identity theft )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
My XXXX XXXX  account was hacked by a woman named XXXX XXXX and unauthorized transactions made for two XXXX XXXX XXXX XXXX. I never knew I opened a XXXX XXXX  account until I was negative {$870.00} in my bank account caused by this XXXX XXXX. I since called my bank and disputed the transaction, received a provisional credit from my bank, called the police to file a police report and contacted XXXX numerous times to take the steps I would need in order to secure this XXXX XXXX account that was opened for me because I decided to subscribe to their XXXX  streaming service. I only want my money back from my bank permanently as I do not know this person in the slightest. I also want her charged for cyber crimes and theft. Here is her full contact information and I also have photo receipts if needed from the XXXX delivery as well as purchase receipts on my XXXX account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS 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 2019-02-24 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: KY

Complaint narrative:
I have disputed the following accounts multiple times and either one of the credit reporting agencies will rightfully remove the unauthorized account and the other ones dont. I have submitted a fruad report before but still some of the accounts still remain. Before filing suit, I thought I'll try again to dispute them .The accounts are, ( 1 ) XXXX {$3300.00}, ( 2 ) XXXX XXXX XXXX {$400.00}, and ( XXXX ) XXXX XXXX XXXX., due to certain credit bureaus investigation stated account verified, I'm respectfully requesting the Method of Verification used to come to such an conclusion. What Method was used and by whom. How was the community transpired, via phone, fax, email, etc. What physical documentation was reviewed and by who. This is the information I'm requesting as a consumer. And as stated in the FCRA if the credit bureaus can not produce this then the above accounts shall be removed/ blocked.

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 2019-02-24 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: KY

Complaint narrative:
I have disputed the following accounts multiple times and either one of the credit reporting agencies will rightfully remove the unauthorized account and the other ones dont. I have submitted a fruad report before but still some of the accounts still remain. Before filing suit, I thought I'll try again to dispute them .The accounts are, ( 1 ) XXXX {$3300.00}, ( 2 ) XXXX XXXX XXXX {$400.00}, and ( 3-17 ) XXXX XXXX XXXX, due to certain credit bureaus investigation stated account verified, I'm respectfully requesting the Method of Verification used to come to such an conclusion. What Method was used and by whom. How was the community transpired, via phone, fax, email, etc. What physical documentation was reviewed and by who. This is the information I'm requesting as a consumer. And as stated in the FCRA if the credit bureaus can not produce this then the above accounts shall be removed/ blocked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-24 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: KY

Complaint narrative:
I have disputed the following accounts multiple times and either one of the credit reporting agencies will rightfully remove the unauthorized account and the other ones dont. I have submitted a fruad report before but still some of the accounts still remain. Before filing suit, I thought I'll try again to dispute them .The accounts are, ( 1 ) XXXX {$3300.00}, ( 2 ) XXXX XXXX XXXX {$400.00}, and ( XXXX ) XXXX XXXX XXXXXXXX., due to certain credit bureaus investigation stated account verified, I'm respectfully requesting the Method of Verification used to come to such an conclusion. What Method was used and by whom. How was the community transpired, via phone, fax, email, etc. What physical documentation was reviewed and by who. This is the information I'm requesting as a consumer. And as stated in the FCRA if the credit bureaus can not produce this then the above accounts shall be removed/ blocked.

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 2019-02-24 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:
As a consumer, I would like to dispute the following unauthorized accounts reporting on my credit report, some inwhich I've disputed before but did not get the results in reference to my disputes. Having your identity compromised is a nightmare in itself but even more disturbing when you report it and the major 3 credit agencies either ignore you, or do not follow the law of the FCRA. I would like to know exactly what Method did you and your employees used in order to verify these unauthorized accounts inwhich lead back to me. The accounts inwhich I'm requesting the Method of verification for or as following, ( A ) XXXX XXXX {$680.00} ( B ) XXXX XXXX XXXX {$140.00} ( C ) XXXX {$72.00} ( D )  XXXX XXXX {$690.00} ( E ) XXXX XXXX {$630.00} ( F ) XXXX XXXX XXXX {$960.00} ( G ) XXXX XXXX XXXX {$670.00} ( H ) XXXX XXXXXXXX XXXX {$71.00} ( I ) XXXX XXXX XXXX {$30.00} ( J ) XXXX XXXX XXXX {$5500.00} ( K ) XXXX XXXX {$2800.00} ( L ) XXXX XXXX XXXX {$1700.00} ( M ) XXXX XXXX XXXX {$0.00} ( N ) XXXX XXXX XXXX {$130.00} ( O ) XXXX XXXX XXXX {$0.00} All the above accounts shall be followed with documentation of the Method of verification used and sent to me or as stated in the FCRA laws these accounts shall be blocked, removed, and/ deleted immediately.

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 2019-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
On XX/XX/XXXX I sent a certified letter thru USPS to BullCity Financial requesting validation of an alleged debt in the amount of { {$300.00} } that they are reporting on my credit profile. The certified letter was received on XX/XX/XXXX, at XXXX XXXX USPS tracking number XXXX and as of today XX/XX/XXXX I have not received the requested information and the derogatory item still remains on my credit reports. I have disputed this invalid item several times as it is not my account, and it's erroneous reporting to the Credit Bureau { s }, has a highly negative impact on my personal credit report and is affecting my creditworthiness. I understand that pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }, I have the right to dispute their claim and request validation of the alleged debt. I also understand that under the law they had 30 days from receipt of the letter to verify this item and that failure to do so within the 30-day period constitutes a reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ). Attached is a copy of the letter that I sent to BullCity Financial Solutions requesting the information that I'm entitled to which I've never received and this along with the inaccurate reporting to my credit file is a direct violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and defamation of character. I am demanding that this negative item be removed and stop reporting to the Credit Bureau { s } immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-24 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:
I disputed incorrect information being reported on my credit report by XXXX XXXX, which your company advised is not in your system and could not help me with them. However instead of Transunion performing a complete and accurate investigation, they replied in a couple of days the information was verified as accurate and did not fix the issue. Then, they allowed XXXX  XXXX to report negative information on my account after I had already paid the account off. This information they recently reported on XX/XX/XXXX was never once reported on my credit report by XXXX XXXX prior to my dispute for them to fix the error they were reporting.I did not even complain about the fact I was told the account would be removed once I paid it off, I was trying to have the inaccurate information removed. I believe this was reported by XXXX XXXX as a retaliatory report, and Transunion has not done anything to prohibit this malicious act. I have contacted Transunion 3 times since this change appeared on my credit report, the last contact with them being on XX/XX/XXXX. I have been told three different things by their representatives. First I was told there was no change on my report, then I was told there was an update but that it does not matter because the account is scheduled to be removed in XX/XX/XXXX and then I was told yesterday ( XX/XX/XXXX ) that the report was changed on XX/XX/XXXX and that it does not show a charge off/collection. The representative was rude and did not listen to my information. She just rushed me off the telephone. I was extremely bothered by this because the information XXXX XXXX should not have been allowed to report, as they were reporting inaccurate information and this account should have been deleted, has decreased my credit score and has caused issues with me receiving credit even though I had completely paid the account off in XX/XX/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 2019-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
No matter how many times I dispute with Midland Funding LLC, they always claim that they don't know what I am disputing This company is claiming that I have multiple accounts with them. This is entirely inaccurate. Midland Funding is inaccurately reporting on my credit files. I have no knowledge of the accounts that they are reporting. The accounts listed as Midland funding { XXXX } Midland Funding LLC { XXXX } Midland Funding LLC { XXXX } Midland Funding LLC { XXXX } The accounts listed on my credit file are not my accounts. Midland Funding LLC are in violation of the FCRA. I did NOT give Midland Funding LLC any authorization to access or report on my credit file. Please have these accounts removed immediately. I have never been associated with these accounts. I have no knowledge about the accounts being reported. I have asked for verification, validation as well as my signatures on any documentation pertaining to the accounts listed negatively on my credit file. Midland Funding LLC ignores the FCRA, XXXX and the XXXX compliance and has not provided me with any of the information I have asked for regarding these accounts. It is unethical and unfair for Midland Funding LLC to hold me responsible for accounts that don't belong to me. I have no obligations or signed contracts with Midland Funding LLC. I look forward to having Midland Funding LLC remove all accounts that they are negatively reporting to be removed from my credit file!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-24 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Barclays XX/XX/2018 there was a hard pull placed on this date they said they would give me a courtesy removal. I recently looked at my XXXX XXXX and this was still here. They said they would remove it from my file. I called up again recently and they told me best to fill it out here and that you guys would be better to fix this.

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 2019-02-24 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: NY

Complaint narrative:
XXXX XX/XX/ 2018 there was a hard pull placed on this date they said they would give me a courtesy removal. I recently looked at my XXXX XXXX and this was still here. They said they would remove it from my file. I called up again recently and they told me best to fill it out here and that you guys would be better to fix this.

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 2019-02-24 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: OH

Complaint narrative:
I was going over my credit report and I noticed that there are several unauthorized inquires of my report. I do not recall applying for any account for business or credit. I am not sure who would access my personal information for credit or business. These transactions were not originated by me nor did I give anyone permission to pull my credit report. I already own a vehicle. The following inquiries are not mine : XXXX XXXX, XXXX, XXXX, XXXX, XXXX  XXXX, XXXX. I am filing a complaint with the XXXX Police Dept as well.

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 2019-02-24 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: OH

Complaint narrative:
I was going over my credit report and I noticed that there are several unauthorized inquires of my report. I do not recall applying for any account for business or credit. I am not sure who would access my personal information for credit or business. These transactions were not originated by me nor did I give anyone permission to pull my credit report. I already own a vehicle. The following inquiries are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am filing a complaint with the XXXX Police Dept as well.

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 2019-02-24 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:
As a consumer, I would like to dispute the following unauthorized accounts reporting on my credit report, some inwhich I've disputed before but did not get the results in reference to my disputes. Having your identity compromised is a nightmare in itself but even more disturbing when you report it and the major 3 credit agencies either ignore you, or do not follow the law of the FCRA. I would like to know exactly what Method did you and your employees used in order to verify these unauthorized accounts inwhich lead back to me. The accounts inwhich I'm requesting the Method of verification for or as following, ( A ) XXXX XXXX {$680.00} ( B ) XXXX XXXX XXXX {$140.00} ( C ) XXXX {$72.00} ( D )  XXXX XXXX {$690.00} ( E ) XXXX XXXX {$630.00} ( F ) XXXX XXXX XXXX {$960.00} ( G ) XXXX XXXX XXXX  {$670.00} ( H ) XXXX XXXX XXXX {$71.00} ( I ) XXXX XXXX XXXX {$30.00} ( J ) XXXX XXXX XXXX {$5500.00} ( K ) XXXX XXXX {$2800.00} ( L ) XXXX XXXX XXXX {$1700.00} ( M ) XXXX XXXX XXXX {$0.00} ( N ) XXXX XXXX XXXX {$130.00} ( O ) XXXX XXXX XXXX {$0.00} All the above accounts shall be followed with documentation of the Method of verification used and sent to me or as stated in the FCRA laws these accounts shall be blocked, removed, and/ deleted immediately.

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 2019-02-24 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:
As a consumer, I would like to dispute the following unauthorized accounts reporting on my credit report, some inwhich I've disputed before but did not get the results in reference to my disputes. Having your identity compromised is a nightmare in itself but even more disturbing when you report it and the major 3 credit agencies either ignore you, or do not follow the law of the FCRA. I would like to know exactly what Method did you and your employees used in order to verify these unauthorized accounts inwhich lead back to me. The accounts inwhich I'm requesting the Method of verification for or as following, ( A ) XXXX XXXX {$680.00} ( B ) XXXX XXXX XXXX {$140.00} ( C ) XXXX {$72.00} ( D ) XXXX XXXX {$690.00} ( E ) XXXX XXXX {$630.00} ( F ) XXXX XXXX XXXX  {$960.00} ( G ) XXXX XXXX XXXX {$670.00} ( H ) XXXX XXXX XXXX {$71.00} ( I ) XXXX XXXX Av {$30.00} ( J ) XXXX XXXX XXXX {$5500.00} ( K ) XXXX XXXX {$2800.00} ( L ) XXXX XXXX XXXX {$1700.00} ( M ) XXXX XXXX XXXX {$0.00} ( N ) XXXX XXXX XXXX {$130.00} ( O ) XXXX XXXX XXXX {$0.00} All the above accounts shall be followed with documentation of the Method of verification used and sent to me or as stated in the FCRA laws these accounts shall be blocked, removed, and/ deleted immediately.

Company response to consumer: Closed with non-monetary relief