vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-17 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: RI

Complaint narrative:
The following multiple entries on student loans were reported on my credit report..Based on my research, all government funded loans are not supposedly be reported on a credit report. This is a clear violation of the FCRA ..Credit Bureaus could not give me concrete explanation as to why they wont delete it..Please step up CFPB and delete XXXX XXXX L XXXX, XXXX XXXX L XXXX, XXXX XXXX L XXXX, XXXX XXXX L XXXX, XXXX XXXX L XXXX, XXXX XXXX L XXXX, XXXX XXXX L XXXX, XXXX XXXX L XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
This is a follow up to XXXX I have not received billing notifications online or through the US mail. After my previous complaint I received a notification for the following month. I received no further notifications. 
I still do not know if this is the result of simple incompetence or a scheme to collect additional fees. It appears the only way I can receive the promised billing notifications is to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 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: MO

Complaint narrative:
Hello last month I sent letters informing all 3 credit bureaus that inquiries on my credit report was not recognized by me and they did not remove or validate that I authorized these inquiries. I then received a letter on XX/XX/XXXX that all three credit bureaus system was breached from XX/XX/XXXX and XX/XX/XXXX. Attached is the letter showing that their system was breached any debt and inquiries on my report that were closed or derogatory or could possibly negatively effect my credit need to be removed immediately as you have recognized that the security of your company has been compromised and put me at risk this is in violation of FCRA if this is not going to be honored. Inquiries below should be removed from XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX The XXXX XXXX XXXX not recognized and also does not show the original creditor. This is in violation of FCRA guidelines. 

Also attached is the screen shot showing that XXXX XXXX was removed by not removed from my report still showing as closed. 

TransUnion Inquiries XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX   XXXX Also attached is XXXX showing contradictory information which is a violation of FCRA shows bankruptcy filed on different dates that information must be consistent showing XX/XX/XXXX and XX/XX/XXXX. Please delete this information immediately, for XXXX XXXX, XXXX and XXXX XXXX. 

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Hello last month I sent letters informing all 3 credit bureaus that inquiries on my credit report was not recognized by me and they did not remove or validate that I authorized these inquiries. I then received a letter on XX/XX/XXXX that all three credit bureaus system was breached from XX/XX/XXXX and XX/XX/XXXX. Attached is the letter showing that their system was breached any debt and inquiries on my report that were closed or derogatory or could possibly negatively effect my credit need to be removed immediately as you have recognized that the security of your company has been compromised and put me at risk this is in violation of FCRA if this is not going to be honored. Inquiries below should be removed from XXXX. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX   The XXXX  XXXX XXXX not recognized and also does not show the original creditor. This is in violation of FCRA guidelines. 

Also attached is the screen shot showing that XXXX XXXX was removed by not removed from my report still showing as closed. 

XXXX XXXX XXXX XXXX A XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also attached is Experian showing contradictory information which is a violation of FCRA shows bankruptcy filed on different dates that information must be consistent showing XX/XX/XXXX and XX/XX/XXXX. Please delete this information immediately, for XXXX XXXX, XXXX and XXXX XXXX. 

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 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: RI

Complaint narrative:
The accounts do not reflect their accurate status..Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply..XXXX   XXXX  XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR

Complaint narrative:
On approximately XX/XX/2019, I received a mail offer from USAA for a pre-approved credit card offer. The offer stated I was " Pre-Selected '' for the USAA Rate Advantage Visa Platinum credit card. The offer had a fixed expiration date and contained the mandatory, legally required, Pre-screen and Opt-Out notice. I also verified that USAA obtained a soft-inquiry copy of my credit bureau report prior to making the pre-screen offer. This offer was a legal, firm offer of credit. 

On XX/XX/XXXX, I also noticed the same pre-screen offer in the " My Offers '' section of my USAA eBanking portal. I already have credit card products with USAA and have had them for many years. 

On XX/XX/XXXX, I submitted my online application for the pre-screened offer and my application was immediately declined. During the application process, USAA obtained a copy of my credit bureau file from XXXX. USAA informed me in writing of their decision and the only reason stated was " Maximum credit limit reached. '' USAA knew perfectly well what my credit limits were with them prior to my application and, in fact, prior to extending the pre-screened, firm offer of credit. Worst case scenario is they knew my credit limits with them upon accessing my credit bureau report used to determine my qualifications for their firm offer of credit. Further, it is not my responsibility to know whether my current credit limits put me at their maximum exposure or not. 

Knowing I was unqualified for their firm offer of credit, they should, at a minuimum, never pulled a hard copy of my credit bureau file after I applied.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
my father company file bankruptcy XXXX XXXX and his name is XXXX XXXX XXXX. this is not my filing

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 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:
These credit reporting agencies are constantly reporting unknown accounts on my credit files, but still relaying on electronic Verification for these accounts inwhich by law does not constitute as proof. In addition these agencies are also using outdated technology that's contributing to the spread of misinformation being passed on and its harmful to consumers and their credit worthiness. My identity has been compromised a few times but the 3 major credit reporting agencies makes it no better. I'm hereby demanding that the credit reporting agencies XXXX and Transunion remove and block these unauthorized accounts immediately. [ 1 ] XXXX XXXX, [ 2 ] XXXX {$940.00}, [ 3 ] XXXX XXXX XXXX {$1000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
my father company file bankruptcy XXXX XXXX and his name is XXXX XXXX XXXX. this is not my filing

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 2019-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
my father company file bankruptcy XXXX XXXX and his name is XXXX XXXX XXXX. this is not my filing

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 2019-06-17 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: RI

Complaint narrative:
The accounts do not reflect their accurate status..Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply.. XXXX XXXX XXXX***

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 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:
These credit reporting agencies are constantly reporting unknown accounts on my credit files, but still relaying on electronic Verification for these accounts inwhich by law does not constitute as proof. In addition these agencies are also using outdated technology that's contributing to the spread of misinformation being passed on and its harmful to consumers and their credit worthiness. My identity has been compromised a few times but the 3 major credit reporting agencies makes it no better. I'm hereby demanding that the credit reporting agencies XXXX  and XXXX remove and block these unauthorized accounts immediately. [ 1 ] XXXX XXXX, [ 2 ] XXXX {$940.00}, [ 3 ] XXXX XXXX XXXX {$1000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 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: TX

Complaint narrative:
Sent dispute letters to XXXX, XXXX  & Equifax asking for verification ( original wet live signatures ) on ALL ACCOUNTS on credit report. No information was provided on how accounts where verified, did not receive original wet live signature contract copies as requested on dispute. 

On XX/XX/2019 dispute letters where received by all 3 credit bureaus mentioned above. 30 days after receipt I was given no information on how the accounts on my credit report where verified nor was I given a copy of a wet live signature that binds me into contract with any of the accounts reporting on my credit file. I have attached a photo of the certified mail receipts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 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: TX

Complaint narrative:
Sent dispute letters to XXXX, Experian & XXXX  asking for verification ( original wet live signatures ) on ALL ACCOUNTS on credit report. No information was provided on how accounts where verified, did not receive original wet live signature contract copies as requested on dispute. 

On XXXX XXXX, 2019 dispute letters where received by all 3 credit bureaus mentioned above. 30 days after receipt I was given no information on how the accounts on my credit report where verified nor was I given a copy of a wet live signature that binds me into contract with any of the accounts reporting on my credit file. I have attached a photo of the certified mail receipts.

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 2019-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland contacted me about being sued for a credit card debt. I was greatly confused by where all this came from. I then checked my credit report and provided XXXX  with proof for a dispute. XXXX completed their investigation of the accused debt. XXXX investigation Resulted in debt being removed from my report due to fraudulent charges and incorrect amount. Informed Midland the company suing me in court. Yet, they have continued to harass me and cause me stress and grief.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-17 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:
These accounts are not mines, not sure if they are mixed up with someone with a close name or just an clerical mistake ..but please remove these accounts immediately. 

1 ) XXXX XXXX {$1000.00} 2 ) XXXX XXXX XXXX {$83.00} 3 ) XXXX XXXX 4 ) XXXX XXXX  5 ) 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 2019-06-17 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:
These accounts are not mines, not sure if they are mixed up with someone with a close name or just an clerical mistake ..but please remove these accounts immediately. 

1 ) XXXX XXXX {$1000.00} 2 ) XXXX  XXXX  XXXX {$83.00} 3 ) XXXX XXXX 4 ) XXXX/ XXXX  5 ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 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:
These accounts are not mines, not sure if they are mixed up with someone with a close name or just an clerical mistake ..but please remove these accounts immediately. 

1 ) XXXX XXXX {$1000.00} 2 ) XXXX XXXX XXXX {$83.00} 3 ) XXXX XXXX 4 ) XXXX XXXX 5 ) 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 2019-06-17 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: KY

Complaint narrative:
The following accounts does not belong to me and I'm respectfully requesting that these unauthorized accounts be removed. I've requested a Method of Verification for this investigation, I've requested physical documentation all to no prevail. The credit bureaus can not relay on electronic verification, nor shall they ignore a consumer inwhom identity has been compromised. And before these credit reporting agencies report accounts to a file they must be thoroughly and physical verified. I'm asking that these accounts be blocked and removed immediately. 

1 ) XXXX XXXX {$470.00} 2 ) XXXX/ XXXX 3 ) XXXX XXXX {$610.00} 4 ) XXXX XXXX {$10000.00} 5 ) Dept of ED/XXXX   {$4500.00} 6 ) Dept of ED/XXXX {$3500.00} 7 ) Dept of ED/XXXX {$2200.00} 8 ) Dept of ED/XXXX  {$2100.00} 9 ) Dept of ED/XXXX {$2000.00} 10 ) Dept of ED/XXXX {$1800.00} 11 ) Dept of ED/XXXX {$1700.00} 12 ) Dept of ED/XXXX {$1300.00} 13 ) Dept of ED/XXXX  {$1000.00} 14 ) Dept of ED/XXXX {$1000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 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: RI

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft UNIVERSITY OF XXXX IS 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 2019-06-17 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: RI

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft 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 2019-06-17 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: KY

Complaint narrative:
The following accounts does not belong to me and I'm respectfully requesting that these unauthorized accounts be removed. I've requested a Method of Verification for this investigation, I've requested physical documentation all to no prevail. The credit bureaus can not relay on electronic verification, nor shall they ignore a consumer inwhom identity has been compromised. And before these credit reporting agencies report accounts to a file they must be thoroughly and physical verified. I'm asking that these accounts be blocked and removed immediately. 

1 ) XXXX XXXX {$470.00} 2 ) XXXX/ XXXX 3 ) XXXX   XXXX {$610.00} 4 ) XXXX XXXX {$10000.00} 5 ) Dept of   ED/XXXX {$4500.00} 6 ) Dept of ED/XXXX  {$3500.00} 7 ) Dept of ED/XXXX  {$2200.00} 8 ) Dept of ED/XXXX {$2100.00} 9 )  Dept of ED/XXXX   {$2000.00} 10 ) Dept of ED/XXXX {$1800.00} 11 ) Dept of ED/XXXX {$1700.00} 12 ) Dept of ED/XXXX   {$1300.00} 13 ) Dept of ED/XXXX  {$1000.00} 14 ) Dept of ED/XXXX  {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 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: KY

Complaint narrative:
The following accounts does not belong to me and I'm respectfully requesting that these unauthorized accounts be removed. I've requested a Method of Verification for this investigation, I've requested physical documentation all to no prevail. The credit bureaus can not relay on electronic verification, nor shall they ignore a consumer inwhom identity has been compromised. And before these credit reporting agencies report accounts to a file they must be thoroughly and physical verified. I'm asking that these accounts be blocked and removed immediately. 

1 ) XXXX  XXXX {$470.00} 2 ) XXXX/ XXXX 3 ) XXXX XXXX {$610.00} 4 ) XXXX XXXX {$10000.00} 5 ) Dept of ED/XXXX {$4500.00} 6 ) Dept of ED/XXXX {$3500.00} 7 ) Dept of ED/XXXX  {$2200.00} 8 ) Dept of ED/XXXX {$2100.00} 9 ) Dept of ED/XXXX {$2000.00} 10 ) Dept of ED/XXXX {$1800.00} 11 ) Dept of ED/XXXX  {$1700.00} 12 ) Dept of ED/XXXX {$1300.00} 13 ) Dept of ED/XXXX  {$1000.00} 14 ) Dept of ED/XXXX {$1000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation