vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-02 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: NJ

Complaint narrative:
On XX/XX/XXXX Experian received a dispute letter along with a response letter from the court stating that they did not provide this information to Experian or any other company and that they do not release personal information about Individuals. I mailed these documents to Experian asking them to reinvestigate this account on my consumer report that I reported as inaccurate and erroneous. On XX/XX/XXXX Experian stated that the reinvestigation was completed. They stated the account was certified with a third party company and that the information reporting was accurate. So I mailed Experian another letter that they received XX/XX/XXXX asking them to please provide me with the method of verification. The XX/XX/XXXX results stated that a company certified to them that the report was accurate. I want to know what company reported to Experian that this information was accurate. If Experian can not provide me with this Information for me to trust that they have done a proper investigation then I demand this account to be deleted immediately due to Experian not providing me with the proper data furnisher information to contact them. I want to also make clear that I did not give Experian any permissible purpose to use my personal Information to match up, or purchase any data from another third party to report on my consumer report because I have the right to privacy as a consumer. I also have the right to know the data furnisher who reported this information and I have the right to a fully accurate consumer report as a consumer. I would also like to report that Experian ignored my request for a Method of Verification that they received on XX/XX/XXXX and instead preformed another reinvestigation instead and again stated it was verified on XXXXPlease follow the law as is was written.

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 2022-01-02 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: NC

Complaint narrative:
Account identified as an vehicle loan is inaccurate. Sale completed at XXXX delearship. True account type is retail installment sales contract. Account also in litigation due deception and predatory lending. XXXX found at fault. 

Original balance reported as {$22000.00}. Report notes a payment of {$10000.00} made on XX/XX/XXXX. Creditor, XXXX, reports writing off {$20000.00} however balance as of XXXX XXXX only {$12000.00}. 

Data is inconsistent, incomplete, and inaccurate across all 3 credit bureaus.

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 2022-01-02 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: MD

Complaint narrative:
XXXX XXXX is reporting on my credit report, this account doesnt belong to 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 2022-01-02 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: MD

Complaint narrative:
XXXX XXXX is reporting on my credit report, this account doesnt belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02 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: MD

Complaint narrative:
XXXX XXXX is reporting on my credit report, this account doesnt belong to 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 non-monetary relief
Consumer complaint received 2022-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
About 6 years ago, I got tired of XXXX randomly changing monthly payments without notice. I called them to canceled but they told me that I was already prepaid for the upcoming month ( since they pre-pay the account a month in advance ). I told them to tell me what that date was and to close the account a day prior and I would sent it in their equipment. Few days before the closing date, someone from XXXX called me to incentivize me ( offering a deal ) not to cancel the account. I contemplated but ultimately told them I still wanted to stick with my cancellation. I turned in the equipment a few days later, as we had agreed. But of course, about a month later, I still get a bill as if I never cancelled. I spent almost an entire day on the phone with them and they apologized as they realized that their representative had given me the wrong date AND the other representative had removed my cancellation all together!!! Many hours of being on hold and being transferred to a manager, they acknowledged that they have received the equipment and acknowledged that I couldnt have been using their services and it was their misunderstanding. It was assured that they corrected everything and that if I got another bill, I can ignore it until the system sees the adjustments. So I received a bill once more and nothing after that just like they had said. So I trusted that it was all over with. Almost a year later I got a collections letter!!! I cant remember all the details since that point because Ive called collections and Ive called XXXX multiple times. Each time, they put me on hold for about an hour, tell me Im right but that they need a manager to fix it and by the time the manager comes on, they change the story and say I still owe this amount. Ive spent so much effort and they cant even acknowledge that if its confusing to their own representative over all these years, how can they be sure I owe this amount when they have the notes from when I called to cancel and the equipment was received!! I cant see all that they see to help them understand that I did everything they asked me to!! At this point, my main complaint is that they keep removing the report every 1-2 years and give it to another creditor which reports it as a new delinquent account. If it has to stay on my credit report, can it at least show the factual correct date of the delinquency which is around 6 years old and not just 1-2 years old?? Is this even legal to change the dates to appear as a new delinquent account?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Ambassador Mortgage, LLC
State: LA

Complaint narrative:
Started in XX/XX/XXXX until the day before closing. Ambassador Mortgage had me waiting on clear to close documents and never send it to tile company the day before I got a text stating she still working on paper work. I paid XXXX.to secure the house plus inspection, appraisal twice and i walk through, signed paperwork to have the utility cut on. I discussed with her how long it would take to have a clear to close.by time i have send all my paperwork and more. After servical weeks i ask her to send my doc over to another agent. she wouldn't transfer my paperwork XX/XX/XXXX to another agent because I kept asking can you get it done she said yes I'm working it I will have in your house. The day of closing no paperwork. My contact was canceled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXX XXXX XXXX ... .dob XXXX Chase bank of XXXX XXXX tx.. 
Missing CD ... from 2002 & missing bank account..XXXX  XXXX  medical supplies..people are hacking my phone..so please call me..thank you..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: IA

Complaint narrative:
I told this collector that I was XXXX and did not have income beyond LTD. They keep calling, including 20+ straight times in a row on multiple occasions. I've had to block there number just to keep my sanity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX FL 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 non-monetary relief
Consumer complaint received 2022-01-02 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: NC

Complaint narrative:
On XX/XX/2021, I contact the CRA to via certified mail to dispute erroneous accounts on my consumer report. After about two and a half weeks, the CRA reported back that the information came back verified from the original creditor, which is wholly inaccurate, as I am the original creditor pursuant to 15 USC 1602 ( l ). 

On XX/XX/2021, I contacted the CRA again, to request that those same accounts be removed again. Pursuant to 15 USC 1681 ( a ) ( 2 ) ( B ), these accounts being listed are again in direct violation of the FCRA and should have been deleted on XX/XX/2021 when the first disputes were mailed out and should not have come back verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: FIRST NATIONAL BANK OF OMAHA
State: NC

Complaint narrative:
I have received multiple credit card offers from First National bank of Omaha for XXXX XXXX Visa card. I have returned the offer, along with a letter stating that I was registered with pre-screen opt out, and that I did not want any future credit card offers from First National Bank of Omaha, XXXX XXXX Visa. This was sent by US mail in XX/XX/2021 using the pre-addressed envelope along with the credit card offer form that I marked " Refused ''. I have not received an acknowledgement of receipt of my letter, and I continue to receive unsolicited credit card offers. I have never conducted any business with First National Bank of Omaha.

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 2022-01-02 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX FL 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 non-monetary relief
Consumer complaint received 2022-01-02 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02 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: FL

Complaint narrative:
There is a student loan account " XXXX XXXX '' on my credit report that closed in XX/XX/2019 and is reporting a history of late payments, which is incorrect and deceptive information. This account was fully paid every month and closed successfully with the creditor before it was transferred and consolidated into my US Dept of Education Student loans, and yet they deceptively reported months of missed payments. I am asking for expeditious removal of this account, which is reporting fraudulent information and is in direct violation of my rights under the FCRA.

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 2022-01-02 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: NC

Complaint narrative:
XX/XX/XXXX i contacted XXXX XXXX XXXX to inform them that i would like a fraudulent account removed from my credit report and what actually happened was that XXXX XXXX XXXX reported it as an closed collections which is impacting my credit report, i had already requested the fraudulent to be completely removed and deleted due to some contract being opened and reported with XXXX XXXX with out any of my knowledge.

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 2022-01-02 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: NC

Complaint narrative:
XX/XX/XXXX i contacted XXXX XXXX XXXX to inform them that i would like a fraudulent account removed from my credit report and what actually happened was that XXXXXXXX XXXX XXXXXXXX reported it as an closed collections which is impacting my credit report, i had already requested the fraudulent to be completely removed and deleted due to some contract being opened and reported with XXXX XXXX with out any of my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
TODAYS DATE : XX/XX/XXXX TRANSWORLD SYSTEMS I Reported : XXXX XXXX, XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious TRANSWORLD SYSTEMS I Reported : XXXX XXXX, XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX  of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Haven't receive any response from them. It has been over 30 days. this is causing me lots of stress.

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