vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-16 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:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

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 2020-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello, I asked for a investigation not a digital update Ive attached proof.. FOR JUST ONE, of the the few creditors stating they had no contact with you. Ive been investigating your what you said is correct disputing inaccurate information that was digitally sent to you and you didnt investigate. 
I have proof of from a few creditors that you did not investigate.. if you cant prove the investigation please change the information also can you please unlock my online profile

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: MRS BPO, LLC
State: MD

Complaint narrative:
On XXXX XXXX I paid the agreed settlement amount to MRS , in which it would be removed from my credit. My credit is not updated and its affecting me and I would like it removed. I tried to apply for a loan and was denied due to this matter.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-16 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: NY

Complaint narrative:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from 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 2020-07-16 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: CA

Complaint narrative:
These are not my accounts, nor did I authorize these companies to pull my credit. Additionally, there are addresses that are unknown. Please remove them.

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 2020-07-16 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: CA

Complaint narrative:
These are not my accounts, nor did I authorize these companies to pull my credit. Additionally, there are addresses that are unknown. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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:
This is crazy ... I have sent out a hard copy complaint as well as online compliant, because of several unrecognized fraudulent accounts : XXXX  XXXX XXXX # XXXX, .XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX  # XXXX I have several fraudulent SS numbers showing on my credit report that do not belong to me.. This is the third time I have had this issue. I had filed a FTC report before to deal with the issue of fraudulent activities and someone using my name and ID. 
Please have them remove/delete the collection accounts immediately. I have submitted an FTC AFFIDAVIT for the addresses and unknown accounts on my credit file please see the attached document and FCRA 605B ( 15 U.S.C.  1681c-2 ). I HAVE ATTACHED MY POLICE REPORT AND FTC RPORT AND ID

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 2020-07-16 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: NJ

Complaint narrative:
The accounts listed do not belong to me and MUST BE removed. I'm demanding that they be removed now because it is stopping me from obtaining gainful employment. This is supporting fraud. If the credit bureaus do not remove these items I will file a lawsuit. Fraudulent claims are as follows : XXXX XXXX XX/XX/XXXX {$150.00} ; XXXX XXXX XX/XX/XXXX {$150.00} ; XXXX XXXX XXXX XX/XX/XXXX {$15000.00} ; XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$2100.00} ; XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX {$4300.00} ; XXXX XXXX XXXX   XX/XX/XXXX {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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: NJ

Complaint narrative:
The accounts listed do not belong to me and MUST BE removed. I'm demanding that they be removed now because it is stopping me from obtaining gainful employment. This is supporting fraud. If the credit bureaus do not remove these items I will file a lawsuit. Fraudulent claims are as follows : XXXX XXXX XX/XX/XXXX {$150.00} ; XXXX XXXX XX/XX/XXXX {$150.00} ; XXXX XXXX XXXX XX/XX/XXXX {$15000.00} ; XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$2100.00} ; XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX {$4300.00} ; XXXX XXXX XXXX   XX/XX/XXXX {$0.00}.

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 2020-07-16 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: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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: CITIBANK, N.A.
State: GA

Complaint narrative:
Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.

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 2020-07-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.

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 2020-07-16 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: TX

Complaint narrative:
***EXPERIAN KEEPS CLOSING MY REQUEST FOR INVESTIGATION ON A MY CREDIT PROFILE THEY ARE COMPLYING OF ME**** I HAVE SUBMITTED MY PERSONAL IDENTIFICATION DOCUMENTS IN ALL INSTANCES. 

***EXPERIAN CAN NOT BE ALLOWED TO IGNORED MY REQUESTS ( 3 INSTANCES ; XX/XX/XXXX MAILED/XX/XX/XXXX ; XX/XX/XXXX CFPB ONLINE PORTAL ) TO START A DISPUTE ON THE MANY ISSUES WITH MY CREDIT REPORT THEY COMPILED ON ME***

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 2020-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: MO

Complaint narrative:
Started receiving letters from National Credit Adjusters with offers to settle this debt. In late XX/XX/2020 I received a phone call from National Credit Adjusters wanting payment on this debt. I explained that I had never received any notification of this debt. I told them that I had received offers from them to settle the debt for a reduced amount but had never received any proof of this debt. After seeing the collection account on my credit report I sent National Credit Adjusters a letter on XX/XX/2020 with an offer to settle the debt if they removed the collection from my credit report. I did not receive a response from the company. I filed a dispute with all three credit bureaus about this collection. On Monday XX/XX/2020 I called National Credit Adjusters and explained that I did not receive a response to my letter and repeated my offer to settle this debt if they removed it from my credit report. I was told by a very rude lady that this company does not delete information. I explained that I did not believe this was my debt and I was only offering to send a payment to get the negative account off my credit report. I was told they would not do this. On Monday XX/XX/2020 I again called National Credit Adjusters and offered to settle this debt and was told they couldn't accept any payments from me because I disputed the account. I would have to send them a letter telling them to remove the dispute before they would even talk to me about a payment. I explained that I was disputing ownership of this account and only wanted to pay to get the account settled and reported as paid in full on my credit reports. I was then transfered to a voice mailbox. I left my contact information and explained that I wanted to settle the account. On Wednesday XX/XX/2020 I was contacted by a representative from National Credit Adjusters and was again told that they would not accept a settlement from me until I sent an email removing the dispute. I once again explained that I was disputing the account and was never sent any proof that this was my account I only wanted to settle it to get it off my credit report. They refused to allow me to settle the account. I would now like for this company to remove this account from all three credit bureaus and no longer contact me about this debt since they have failed to show proof of the debt and they refuse to allow me to make a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Bank of America filed a late pay about me for about three months in 2018. However, this was due to the fact I was using their mobile app autopay. Their app updated itself and lost autopay function. But I was not notified. And I ended up not knowing the fee was not paid. It was very small like {$25.00} on the account, while I had {$40000.00} on the total account and was never late. They lowered my credit score as a result and I am unable to get my mortgage because of this issue.

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 2020-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC
State: MO

Complaint narrative:
Notice a change in my credit report from a company trying to collect a debt that is not mines.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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:
This is crazy ... I have sent out a hard copy complaint as well as online compliant, because of several unrecognized fraudulent accounts : XXXX  XXXX XXXX # XXXX, .XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX  # XXXX I have several fraudulent SS numbers showing on my credit report that do not belong to me.. This is the third time I have had this issue. I had filed a FTC report before to deal with the issue of fraudulent activities and someone using my name and ID. 
Please have them remove/delete the collection accounts immediately. I have submitted an FTC AFFIDAVIT for the addresses and unknown accounts on my credit file please see the attached document and FCRA 605B ( 15 U.S.C.  1681c-2 ). I HAVE ATTACHED MY POLICE REPORT AND FTC RPORT AND ID

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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:
This is crazy ... I have sent out a hard copy complaint as well as online compliant, because of several unrecognized fraudulent accounts : XXXX XXXX XXXX # XXXX, .XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX  # XXXX I have several fraudulent SS numbers showing on my credit report that do not belong to me.. This is the third time I have had this issue. I had filed a FTC report before to deal with the issue of fraudulent activities and someone using my name and ID. 
Please have them remove/delete the collection accounts immediately. I have submitted an FTC AFFIDAVIT for the addresses and unknown accounts on my credit file please see the attached document and FCRA 605B ( 15 U.S.C. 1681c-2 ). I HAVE ATTACHED MY POLICE REPORT AND FTC RPORT AND ID

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 2020-07-16 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: DISCOVER BANK
State: NY

Complaint narrative:
Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CO

Complaint narrative:
I received an email saying I owed them {$2200.00} in escrow or else they would raise my mortgage payment. I reached out to a couple of loan providers and was told that this is incorrect they paid my insurance 2 months earlier than they did last year and this is why it is showing such a high amount. When I questioned the company they basically told me it didnt matter and this is what I owed no matter what. I have talked to them three times regarding this and have gotten no where except rude employees who are not interested in helping me and honestly dont seem to know what they are talking about.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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: TX

Complaint narrative:
***EXPERIAN KEEPS CLOSING MY REQUEST FOR INVESTIGATION ON A MY CREDIT PROFILE THEY ARE COMPLYING OF ME**** I HAVE SUBMITTED MY PERSONAL IDENTIFICATION DOCUMENTS IN ALL INSTANCES. 

***EXPERIAN CAN NOT BE ALLOWED TO IGNORED MY REQUESTS ( 3 INSTANCES ; XXXX MAILED/XX/XX/XXXX ; XXXX CFPB ONLINE PORTAL ) TO START A DISPUTE ON THE MANY ISSUES WITH MY CREDIT REPORT THEY COMPILED ON ME***

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 2020-07-16 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: NY

Complaint narrative:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from 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 2020-07-16 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: NY

Complaint narrative:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

Company response to consumer: Closed with explanation