vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Karma, LLC
State: NJ

Complaint narrative:
I got hard inquiry report on my credit, the report said a hard inquiry being pulled on XX/XX/XXXX from XXXX XXXX XXXX/XXXX XXXX, I called the no on there ( XXXX ) and said that theyre not responsible for the report being made, what should I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I got hard inquiry report on my credit, the report said a hard inquiry being pulled on XX/XX/XXXX from XXXX XXXX XXXX/XXXX XXXX, I called the no on there ( XXXX ) and said that theyre not responsible for the report being made, what should I do?

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 2018-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
Kimball, Tirey , St John are collection agents for a home rental debt that became a default judgment in  XX/XX/2013, the claimed BY CREDITOR date of D.O.F.D.The account no.is XXXX .I have challenged the debt as re-aged, that is, the date of first delinquency was many months prior to the date Kimball ... continuously verifies with XXXX  and XXXX  as a collection account with those  bureaus.XXXX and XXXX  have been provided sufficient information to easily see that the debt is re-aged.The date of 1st delinquency is XX/XX/2013, the date the unpaid rent was due.Since the bureaus do not look into or understand the proof given, they continuously go to the lying collector for verification.This has occurred more than 20 times between XXXX  AND XXXX.I do not doubt that Kimball Tirey as attorneys understand the FCRA violation, they just don't care about the law and lie to the bureaus.XXXX  acted unilaterally and removed the account upon proof of re-aging.I have attached the court docket to prove that Kimball Tirey 's collection efforts on this debt were ongoing in  XX/XX/2013.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have contacted XXXX XXXX XXXX XXXX  after they sent me a letter and placed a hardship loan write-off from XXXX card, buying an already charged off loan in my name, due to XXXX card failed to let the XXXX XXXX XXXX XXXX know that they had already wrote the account off under a government program. I got sick, XXXX treatments did not work and I am on XXXX  XXXX. My family had helped with assisting bills, however once the XXXX treatments did not work, they stopped assisting. I sent XXXX card a copy of my full XXXX  hearing, signed court decision and a letter explaining my medical condition that led to my hardship. 

XXXX card was very understanding and told me they were writing the loan off under hard ship. 

In my entire life, I had never been late, paid ahead of time all of my bills, even paid more than the amount due. Even while being sick. 

I now received a letter that XXXX XXXX XXXX XXXX bought a closed account under my name with XXXX card after XXXX XXXX refused to provide all documents. I did receive from XXXX XXXX   XXXX XXXX what they received from XXXX card when purchasing an already closed account due to hardship, however it did not include the private court XXXX  paperwork that XXXX card had in my file. 

I in turn called the collection agency XXXX XXXX XXXX XXXX on quite a few occasions. They also admitted to they do not buy hardship loans and agreed to close the file and terminate paperwork. 

I am now asking the collection company to please remove the collection account from all three credit bureaus. 
As a XXXX fighter, I deserve to have a bit of human decency and only asking that the collection be removed and all information of an account they bought through XXXX card that was already closed. Per advised by attorney, XXXX bank sold a bad loan, hardship loan that the bank had already closed and wrote off under government program. Therefore, I should not be penalized by XXXX XXXX XXXX XXXX to due the issue of XXXX selling a closed, wrote-off hardship consumer loan in my name.

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 2018-06-24 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: CITIBANK, N.A.
State: IN

Complaint narrative:
I have contacted XXXX XXXX XXXX XXXX after they sent me a letter and placed a hardship loan write-off from CitiBank card, buying an already charged off loan in my name, due to CitiBank card failed to let the XXXX XXXX XXXX XXXX know that they had already wrote the account off under a government program. I got sick, XXXX treatments did not work and I am on XXXX  XXXX. My family had helped with assisting bills, however once the XXXX treatments did not work, they stopped assisting. I sent CitiBank card a copy of my full XXXX hearing, signed court decision and a letter explaining my medical condition that led to my hardship. 

CitiBank card was very understanding and told me they were writing the loan off under hard ship. 

In my entire life, I had never been late, paid ahead of time all of my bills, even paid more than the amount due. Even while being sick. 

I now received a letter that XXXX XXXX XXXX XXXX bought a closed account under my name with CitiBank card after CitiBank Card refused to provide all documents. I did receive from XXXX XXXX XXXX   XXXX what they received from CitiBank card when purchasing an already closed account due to hardship, however it did not include the private court XXXX paperwork that Citibank card had in my file. 

I in turn called the collection agency XXXX XXXX XXXX XXXX on quite a few occasions. They also admitted to they do not buy hardship loans and agreed to close the file and terminate paperwork. 

I am now asking the collection company to please remove the collection account from all three credit bureaus. 
As a XXXX fighter, I deserve to have a bit of human decency and only asking that the collection be removed and all information of an account they bought through CitiBank card that was already closed. Per advised by attorney, CitiCard bank sold a bad loan, hardship loan that the bank had already closed and wrote off under government program. Therefore, I should not be penalized by XXXX XXXX XXXX XXXX to due the issue of CitiBank selling a closed, wrote-off hardship consumer loan in my name.

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 2018-06-24 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: IN

Complaint narrative:
I have contacted XXXX XXXX XXXX XXXX after they sent me a letter and placed a hardship loan write-off from XXXX card, buying an already charged off loan in my name, due to XXXX card failed to let the XXXX XXXX XXXX XXXX know that they had already wrote the account off under a government program. I got sick, XXXX treatments did not work and I am on XXXX XXXX. My family had helped with assisting bills, however once the XXXX treatments did not work, they stopped assisting. I sent XXXX card a copy of my full XXXX  hearing, signed court decision and a letter explaining my medical condition that led to my hardship. 

XXXX card was very understanding and told me they were writing the loan off under hard ship. 

In my entire life, I had never been late, paid ahead of time all of my bills, even paid more than the amount due. Even while being sick. 

I now received a letter that XXXX XXXX XXXX XXXX bought a closed account under my name with XXXX card after XXXX Card refused to provide all documents. I did receive from XXXX XXXX   XXXX XXXX what they received from XXXX card when purchasing an already closed account due to hardship, however it did not include the private court XXXX  paperwork that XXXX card had in my file. 

I in turn called the collection agency XXXX XXXX XXXX XXXX on quite a few occasions. They also admitted to they do not buy hardship loans and agreed to close the file and terminate paperwork. 

I am now asking the collection company to please remove the collection account from all three credit bureaus. 
As a XXXX fighter, I deserve to have a bit of human decency and only asking that the collection be removed and all information of an account they bought through XXXX card that was already closed. Per advised by attorney, XXXX bank sold a bad loan, hardship loan that the bank had already closed and wrote off under government program. Therefore, I should not be penalized by XXXX XXXX XXXX XXXX to due the issue of XXXX selling a closed, wrote-off hardship consumer loan in my name.

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 2018-06-24 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: GA

Complaint narrative:
I disputed inaccurate account information with Experian that was on my credit report. They responded at the end of their " investigation '' saying that they verified that the information was indeed accurate and up to date. Upon further examination, I notice many contradictory errors in regards to the derogatory accounts. I pulled my report directly from Experian, not a reseller. I've attached and notated all the errors and inconsistencies on my report. I reached out to the furnishers of this information to gain more clarity, with no success. So I requested that Experian share with me the documents that they should have in my file regarding these accounts, with no success. These accounts are inconsistent, inaccurate, and unverified and are causing me undue XXXX  and XXXX  XXXX. I'm trying to resolve this issue. But I know my rights and the law. I just want Experian to abide by the law as well. I also sent them a letter that the addresses that had on file weren't mine and also inaccurate. But again they refused to correct my 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 2018-06-24 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I have been disputing charges from a company called XXXX they own several companies that were part of an elaborate scheme to bilk millions of dollars from consumers in the United states. I disputed a charge made on XX/XX/2018 of {$2600.00} with the company " XXXX XXXX XXXX XXXX '' '' XXXX XXXX XXXX '' both the same company. they are owned by a company called XXXX ( XXXX XXXX XXXX XXXX ) I purchased affilliation with XXXX  which is an online marketing company of digital products over the internet. I was sold the service that was supposed to be for traffic that would click on my advertising page. However I recieved nothing for this {$2600.00} I spent. I believe this was just another extraneous charge like many that I incurred while being associated with this XXXX  comany. When I tried to air my complaints the company never responed to my emails.I also called the help desk at XXXX several times but after being on hold for over an hour I just gave up. Chase Freedom card is the credit card company that looked into the dispute I filed with the " XXXX XXXX XXXX XXXX '' " XXXX XXXX XXXX '' the same company. Chase originally removed the charge from my statement but then the company ( XXXX ) challenged it and then Chase put the charge back on my statement. Now I want to tell you something very important. 2 weeks ago I received an email from the The U.S. Federal trade commision telling me that the FTC by federal court order has shut down this XXXX  company and 8 other businesses they own and froze the assets of the principles in the company over XXXX XXXX dollars ... here is the official link for the FTC action against these criminal companies. XXXX : XXXX An attorney at the FTC provided me this information but the charges against this XXXX company and " XXXX XXXX XXXX XXXX '' came out after Chase denied my dispute for the removal of the {$2600.00} The FTC has been investigating this XXXX  company for fraudulent business practices. I spoke with an attorney at the FTC and he told me that I should make this new information known to the Chase dispute team. I did tell Chase about the fact that the FTC has shut down XXXX and " XXXX XXXX XXXX XXXX '' " XXXX XXXX XXXX  " company. The charges of almost {$82000.00} that were charged to my credit cards was I believe a scheme to bilk money from me and in light of the fact that FTC has shut down this XXXX company and frozen the assets fo the the principles is proof that this company engaged in fraud. Therefore Im asking that the charge of {$2600.00} be reomved from my statement with the Chase Freedom card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I disputed inaccurate account information with TransUnion that was on my credit report. They responded at the end of their " investigation '' saying that they verified that the information was indeed accurate and up to date. Upon further examination, I notice many contradictory errors in regards to the derogatory accounts. I pulled my report directly from TransUnion, not a reseller. I've attached and notated all the errors and inconsistencies on my report. I reached out to the furnishers of this information to gain more clarity, with no success. So I requested that TransUnion share with me the documents that they should have in my file regarding these accounts, with no success. These accounts are inconsistent, inaccurate, and unverified and are causing me undue stress. I'm trying to resolve this issue. But I know my rights and the law. I just want TransUnion to abide by the law 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 2018-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Overall I have too many hard inquiries on my credit. 19 hard inquiries is too much. This happened while applying for a car loan at the dealership.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have a collection account reporting wrongfully as a re-aged account on Experian and XXXX  bureaus.I have disputed multiple times and provided sufficient proof for the bureaus to act unilaterally.The account is XXXX XXXX XXXX XXXX, ACCOUNT NUMBER XXXX.XXXX   DELETED UPON PROOF OF RE-AGING. 
If EXPERIAN AND XXXX  READ THE CFPB COMPLAINT AGAINST XXXX XXXX attached here, along with the other proof ... .. 
they should be able to delete the account without any further lies from their subscriber.

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 2018-06-24 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: CA

Complaint narrative:
I have a collection account reporting wrongfully as a re-aged account on XXXX and Equifax bureaus.I have disputed multiple times and provided sufficient proof for the bureaus to act unilaterally.The account is XXXX XXXX XXXX XXXX, ACCOUNT NUMBER XXXX.XXXX DELETED UPON PROOF OF RE-AGING.

If XXXX AND EQUIFAX READ THE CFPB COMPLAINT AGAINST XXXX XXXX attached here, along with the other proof ... ..

they should be able to delete the account without any further lies from their subscriber.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24 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: MA

Complaint narrative:
On XX/XX/XXXX my husband & I went to the bank to close on our construction loan and were notified that I was past-due for {$47.00} on a student loan payment from XXXX XXXX College. I had NO idea about this bill as I was never sent a bill in the mail after XX/XX/XXXX and was never contacted about having a balance. This " delinquency '' was reported to the credit bureau by XXXX  XXXX XXXX. 
I first called XXXX XXXX College where they told me that they had changed billing providers and no notification was sent out ( assuming this to be the reason I hadn't received a bill ). I called XXXX XXXX XXXX and spoke to the manager, XXXX XXXX where it was confirmed that I never got a statement or any late statements from XXXX XXXX XXXX. I told him that I would gladly pay off any balance ( now that I knew it existed ) and that this problem be cleared up and deleted from my credit report by both XXXX  AND XXXX. XXXX said he would notify both credit bureaus ( as is seen on the attached documents ) to have those delinquencies deleted and removed completely as it was a miscommunication- that was back on XX/XX/XXXX. 
It is now XX/XX/XXXX and I received my credit report in the mall from XXXX  and the delinquencies are still showing on my credit report and say they will remain there til XX/XX/XXXX. 
I want any and all elinquincies and negatives completely deleted and removed from my credit report ( like they said they were going to do ) as soon as possible as this has caused a huge mess on my perfect credit and our ability to close on our construction loan.

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 2018-06-24 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: MA

Complaint narrative:
On XX/XX/XXXX my husband & I went to the bank to close on our construction loan and were notified that I was past-due for {$47.00} on a student loan payment from XXXX XXXX College. I had NO idea about this bill as I was never sent a bill in the mail after XX/XX/XXXX and was never contacted about having a balance. This " delinquency '' was reported to the credit bureau by XXXX  XXXX XXXX. 
I first called XXXX XXXX College where they told me that they had changed billing providers and no notification was sent out ( assuming this to be the reason I hadn't received a bill ). I called XXXX  XXXX XXXX and spoke to the manager, XXXX XXXX where it was confirmed that I never got a statement or any late statements from XXXX XXXX XXXX. I told him that I would gladly pay off any balance ( now that I knew it existed ) and that this problem be cleared up and deleted from my credit report by both Experian AND XXXX. XXXX said he would notify both credit bureaus ( as is seen on the attached documents ) to have those delinquencies deleted and removed completely as it was a miscommunication- that was back on XX/XX/XXXX. 
It is now XX/XX/XXXX and I received my credit report in the mall from XXXX and the delinquencies are still showing on my credit report and say they will remain there til XX/XX/XXXX. 
I want any and all elinquincies and negatives completely deleted and removed from my credit report ( like they said they were going to do ) as soon as possible as this has caused a huge mess on my perfect credit and our ability to close on our construction loan.

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 2018-06-24 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: AR

Complaint narrative:
Experience had my date of birth as XXXX I was born in 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