vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-12 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: CA

Complaint narrative:
I've contacted Equifax on multitalented occations and they refuse to assist me handling my dispute process with involves identity fraud with accounts trying to be opened. XXXX and XXXX have successfully removed my fraudulent inquires and Equifax still remains to not care on assisting me after I have provided the with police reports and filed disputes. Police report no. XXXX XXXX XXXX XXXX Sheriff Dept. Equifax dispute confirmation no. XXXX 1.XXXX XXXX XXXX XXXX XX/XX/XXXX. XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX XXXX, VA XXXX ( MAI ) L O-NLY 2.XXXX XX/XX/XXXX. XX/XX/XXXX National Credit Card Cos. 
None provided 3.XXXX XXXX XX/XX/XXXX. XX/XX/XXXX National Credit Card Cos. 
None provided 4.XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX All Banks XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX 5.XXXX XXXX XX/XX/XXXX. XX/XX/XXXX Personal Loans Cos. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX 6.XXXX XX/XX/XXXX. XX/XX/XXXX National Credit Card Cos. 
None provided

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-12 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: FL

Complaint narrative:
I have faxed emailed and had a telephone conversation with the Equifax Fraud department since I was a victim of the security breach and a victim of identity fact. Unfortunately each time since XX/XX/2018 Equifax refuses to block the fraudulent items after I have sent identity theft.gov police report and basically every piece of information theyve asked for. Equifax being the cause of my personal security being breached should have accountability and hold accountability to blocking fraudulent items and they refused to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I summited the requested documents by certified mail to Trans Union XXXX XXXX XXXX XXXX on XX/XX/2019 to have information corrected on Trans Union Credit Report this is reported incorrectly regarding the XXXX XXXX  Credit Card account XXXX as and delinquent account From XX/XX/2019 and XX/XX/2019. 
When the XXXX Credit Card account XXXX was Discharged in Chapter XXXX Bankrupcy Courts from case number XXXX from the order of the Chapter XXXX Discharge notice on XX/XX/2019 and notice from the XXXX XXXX Credit Card Service verifying in the Attachments I mail to Trans Union Date XX/XX/2019 from the Creditor XXXX that the XXXX Credit Card account XXXX has been Discharged in Chapter XXXX Bankrupcy on XX/XX/2019. 
In which Trans Union Credit reporting Agency is failing to make the correction on my Trans Union Credit report regarding the XXXX XXXX Credit Card number ending in XXXX from Deliquent account to Discharge in Chapter XXXX Bankrupcy knowing from the requested documents I has mail them showing that this account is Discharged in Chapter XXXX Bankrupcy instead of being Deliquent.

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 2019-06-12 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: OH

Complaint narrative:
I am asking that the Credit Bureaus to investigate XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX for materials forwarded to three credit bureaus for me XXXX XXXX XXXX as there may be issues with unsubstantiated accounts. I have seen errors in certain existing data. I respectfully demand that the transmitted data or documentation be provided. Also please include supplement materials which verify that the accounts were established legally. I do not want just a cursory account history, or address matching. I have requisitioned a detailed verification. If you can not meet these reasonable requests during the month ( 30 days ) following receipt, account summaries transmitted by the companies mentioned above must be considered false and may bespeak a statutory violation. In this case, they must be deleted without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-12 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: OH

Complaint narrative:
I am asking that the Credit Bureaus to investigate XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX for materials forwarded to three credit bureaus for me XXXX XXXX XXXX as there may be issues with unsubstantiated accounts. I have seen errors in certain existing data. I respectfully demand that the transmitted data or documentation be provided. Also please include supplement materials which verify that the accounts were established legally. I do not want just a cursory account history, or address matching. I have requisitioned a detailed verification. If you can not meet these reasonable requests during the month ( 30 days ) following receipt, account summaries transmitted by the companies mentioned above must be considered false and may bespeak a statutory violation. In this case, they must be deleted without delay.

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 2019-06-12 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I have disputed the late payments XXXX XXXX,   XXXX XXXX XXXX accounts for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 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: FL

Complaint narrative:
First in my credit report appear several companies that have requested my credit report with my social security number and different names and have lowered the average. My correct name as it appears on the license is XXXX XXXX XXXX XXXX. If any company wants to run my credit, they ask me for my social security number and my license, that is, they must place XXXX XXXX XXXX XXXX. I am asking you under FCRA 611 ( 15 U.S.C. 1681I ) They also have a lock on me and I want them to take it off. Any company that wants to request my credit report with my authorization may do so.

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 2019-06-12 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: FL

Complaint narrative:
First in my credit report appear several companies that have requested my credit report with my social security number and different names and have lowered the average. My correct name as it appears on the license is XXXX XXXX XXXX XXXX. If any company wants to run my credit, they ask me for my social security number and my license, that is, they must place XXXX XXXX XXXX XXXX. I am asking you under FCRA 611 ( 15 U.S.C. 1681I ) They also have a lock on me and I want them to take it off. Any company that wants to request my credit report with my authorization may do so.

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 2019-06-12 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: GOLDMAN SACHS BANK USA
State: MO

Complaint narrative:
Made multiple payments in a month expecting them to be principal only payments. They paid only interest in some cases and in others some of the extra principal went towards interest. They refuse to allow early principal payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Personal information incorrect
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Dear Sir or Madam, We did not receive our Amazon credit card bills at our new address for months after we moved from our overseas military address back to Arizona, despite filling out the proper forwarding and change of address forms. This resulted in bills not reaching us, after years of on time and in full payments. The adverse report to the credit agencies is hurting out ability to get a home loan. The problem is clearly reflected in the bills, as once the address is updated the bill is immediately paid in full and has been since that time. 

Sincerely, XXXX XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 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: LEXISNEXIS
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX OH XXXX my SS XXXX my DOB XX/XX/XXXX. I am filing a complaint due to the following information below. I am requesting that the credit reporting agencies promptly remove/delete these addresses they are not accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I have disputed the late payments XXXX XXXX, XXXX  XXXX XXXX accounts for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

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 2019-06-12 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I have disputed the late payments XXXX XXXX,  XXXX XXXX XXXX accounts for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

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 2019-06-12 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: EQUIFAX, INC.
State: DC

Complaint narrative:
I have disputed the late payments XXXX XXXX XXXX XXXX  accounts for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Capital One send me Capias Arrest Notice on XX/XX/2019 although I have payment agreement with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 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: DC

Complaint narrative:
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please TELECOM SELF-REPORTED XXXX, TELECOM SELF-REPORTED 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 2019-06-12 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: Screening Reports Inc.
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX OH XXXX my SS XXXX my DOB XX/XX/1982. I am filing a complaint due to the following information below. I am requesting that the credit reporting agencies promptly remove/delete these addresses they are not accurate XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX

Company response to consumer: Untimely response
Consumer complaint received 2019-06-12 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: ID Analytics, Inc.
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX OH XXXX my SS XXXX my DOB XX/XX/XXXX. I am filing a complaint due to the following information below. I am requesting that the credit reporting agencies promptly remove/delete these addresses they are not accurate XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 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: DC

Complaint narrative:
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please ( Original Creditor : XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: UT

Complaint narrative:
I had auto pay scheduled to reoccur each month. On XX/XX/2019 the payment was not withdrawn from my account. I called Westlake financial services and the representative I spoke to mentioned they just couldnt continue to withdraw funds automatically without prior notification to me. I was then billed XXXX dollars for an NSF from west lake financial the funds were available in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I started a dispute of two transactions on or about XX/XX/2019. I forwarded the requested information on multiple occasions but was told that my information was not received. 

I called multiple times but never got a solid answer to my questions about the status of my dispute. I disputed two charges ( {$150.00} and {$570.00}. ). I have had nothing but the run around. 

They finally provided a credit for the {$150.00} but have not been forth coming with with the dispute concerning the {$570.00}. 

I feel like this is intentional at this point. 

I have been a member for a number of years.

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 2019-06-12 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
After watching several videos of XXXX XXXX disagreements with the credit reporting agencies I started reviewing my credit reports. I noticed an inaccurate reporting in a repossession ive been disputing these XXXX XXXX XXXX account with all three credit bureaus for months. All three of them are saying the company has verified the account and it is accurate!!! I have SOLID proof that the credit bureaus are not investigating my concerns, in fact they are constantly bouncing the balance around from {$5700.00} and {$5600.00}. XXXX XXXX says sent me a print out that said the balance was {$6000.00}. What is the correct balance? 
If I am not mistaken the FCRA says you have a duty to investigate. The XXXX XXXX has clarified that the Fair Credit Reporting Act ( FCRA ) requires furnishers of credit informationlike their credit reporting agency ( CRA ) counterpartsto conduct " reasonable '' investigations of consumer disputes. The decision also identifies various factors that determine whether a furnishers investigation is " reasonable. '' The reasonableness of an investigation also depends on " what the furnisher knows about the dispute. '' The XXXX XXXX explicitly rejected the argument that a furnisher may reduce its investigation simply because the CRA failed to exhaustively describe the dispute in its Automated Consumer Dispute Verification ( ACDV ) form. " When a furnisher has access to dispute-related information beyond the information provided by the CRA, it will often be reasonable for the furnisher to review that additional information and conduct its investigation accordingly. 

This account is INACCURATE, not in compliance and a CLEAR violation of my rights!!! Please see screenshots attached!!!!

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 2019-06-12 00:00:00
Product: Credit card or prepaid card — Store credit 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: CA

Complaint narrative:
In XX/XX/XXXX I contacted Home Depot/Citi card and advised them of fraudulent charges totaling {$390.00} on my account the days leading up to XXXX. I was held to be liable for the purchases. In XX/XX/XXXX I  disputed these charges, provided evidence of my whereabouts at the time of the fraudulent purchases ( work etc ) and requested they review the purchases ( signature used and in-store camera footage ). XX/XX/XXXX I received a letter from Citibank stating the charges still stand and I was provided a copy of the receipts? This is useless, the receipts do not prove anything other than SOMEONE made purchases. That someone was not myself and my credit file is being affected.

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 2019-06-12 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I applied for a car loan once and I have to hard inquires on my credit that is affecting my credit score.  please remove one of the inquires a credit report is good for 45 days. As I was declined anyway.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation