vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-20 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: GA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

The Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

The unverified items still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the Event of your first if you state the following accounts verified & that these items are being reported correctly Who verified these accounts? You have Must provide me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-20 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: GA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

The Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

The unverified items still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the Event of your first if you state the following accounts verified & that these items are being reported correctly Who verified these accounts? You have Must provide me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce 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 2018-11-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Franklin Collection Service, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I went to the emergency department of XXXX XXXX XXXX in XXXX, AL due to inexplicable bleeding and pelvic pain. I didn't see a bill from the hospital in months and later to get out an abusive relationship causing me to move back to Texas in XX/XX/XXXX. When I moved back home to XXXX on XX/XX/XXXX, I changed my address so my mail could be forwarded to me. I never received any documentation from the hospital regarding my bill at my current address. The only thing I received was collection calls regarding the physician bill ( XXXX XXXX XXXX XXXX and I paid a settlement of {$100.00} on XX/XX/XXXX at XXXX XXXX  and given the confirmation number XXXX ). I figured everything was fine until I received another phone call on XX/XX/XXXX from Franklin Collection Services Inc. regarding my account. The representative I talked to couldn't explain what the bill of {$150.00} was regarding so I contacted the company on XX/XX/XXXX regarding verification of this bill and initially tried to dispute it due to never being informed of this bill. On XX/XX/XXXX the company enclosed a copy of the original creditors billing statement inside it entailed the price adjusted for my treatments and that my bill went into collections on XX/XX/XXXX but no one has documentation that the bills were sent to me. Since the debt was verified as mine on XX/XX/XXXX, I submitted {$5.00} to start making payments, however on XX/XX/XXXX, I notice they took more from my account than what I submitted on the slip they provided thus causing my account to go into the negative. On XX/XX/XXXX the bank returned the amount that was taken out back to my checking account, but I was charged a returned item fee of {$36.00} making my account in the negative for {$20.00}. On XX/XX/XXXX I received a notice of " dishonored instrument '' saying according to Mississippi Law they are putting an additional charge of {$40.00} to my debt. I am hesitant to pay them back since I couldn't even trust this company with {$5.00} and it irks me that the company never contacted me within five days with a notice of my debt that includes the following information : the amount of the debt, the name of the original creditor to whom the debt is owed and a statement describing your right to dispute the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I been disputing Naviet account XXXX, and also XXXX, for been charging unauthorized transactions I detect on XX/XX/2018, instead of resolve the matter they still charging and not resolving the issue, .Naviet is been reporting 6 times the same account, I been disputing and dealing with Customer for years with out any response. at this point I need any kind of help, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On 2 separate occasions during XX/XX/2018, agents ( different employees ) from Citibank Fraud Services on behalf of Sears Card contacted the " Name of Nearest Relative Not Living With You '' in a ruse to compel the third party to take exogent actions disruptiive to their daily activities and/or risk breaching confidentiality by divulging information they would not normally not divulge about my whereabouts/contact information. This had the effect of causing my elderly parents to worry for my safety and/or construe that I was in financial distress as if mismanaging my financial affairs, above & beyond breaching my wife 's and my privacy. 

Note neither action was incident to collecting a debt from me but rather incident solely to reduce Citi 's  internal cost of business by ferreting out suspected out-of-pattern behavior as potentially fraudulent For such, I have no issue whatsoever when I am contacted personally at my home, place of work. mobile number, SMS text, email, in accordance with the disclosed terms and conditions. I consider that and our credit relationship to be mutually constructive as stipulated and will gladly cooperate. 

However, I do not recall consenting to providing reference information purposed not incident to collecting a debt pursuant to our creditor/debtor relationship, and feel that Citi breached our trust in grossly over-stepping here not only violating my rights but panicking an elderly woman in her XXXX 's through no fault of her own. 

Is Citi within its rights to " skip trace '' debtors unrelated to collecting a debt pursuant to the debtor/creditor agreement? ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 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: ID

Complaint narrative:
This complaint is regarding the student loan XXXX   XXXX. After sending dispute letters to Equifax, it came back verified, I was extremely dismayed. The verification process must be flawed! How is it possible that they were able to verify the accounts when they can't even send me as to how they did their investigation? I have contacted the creditors asking them to validate but they did not prove documentation or response. CFPB please amp up and remove the accounts, I promise they have nothing to do with me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 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: ID

Complaint narrative:
This complaint is regarding the accounts XXXX XXXX, XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX   XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX , XXXX   XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX , XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX , XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX After sending dispute letters to Experian, it came back verified, I was extremely dismayed. The verification process must be flawed! How is it possible that they were able to verify the accounts when they can't even send me as to how they did their investigation? I have contacted the creditors asking them to validate but they did not prove documentation or response. CFPB please amp up and remove the accounts, I promise they have nothing to do with 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 2018-11-20 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: ID

Complaint narrative:
This complaint is regarding the student loan XXXX   XXXX After sending dispute letters to Transunion and XXXX , it came back verified, I was extremely dismayed. The verification process must be flawed! How is it possible that they were able to verify the accounts when they can't even send me as to how they did their investigation? I have contacted the creditors asking them to validate but they did not prove documentation or response. CFPB please amp up and remove the accounts, I promise they have nothing to do with 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 2018-11-20 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: EQUIFAX, INC.
State: ID

Complaint narrative:
I have disputed the late payments on XXXX XXXX XXXX   XXXX 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 2018-11-20 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: ID

Complaint narrative:
I have disputed the late payments on XXXX XXXX XXXX   XXXX 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 2018-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
I have disputed the late payments on XXXX XXXX XXXX   XXXX 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 2018-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
In XX/XX/2011, Wells Fargo Bank was awarded a civil judgment against XXXX XXXX and XXXX XXXX - two individuals residing in XXXX XXXX who had used my Social Security Number to obtain financial products and services with Wells Fargo. In other words, this is a wrongful civil judgment due to the aforementioned identity theft. I have attempted to resolve the matter with Wells Fargo, the Internal Revenue Service Taxpayer Advocate Service and the tax authority in XXXX XXXX - all to no avail. I have also fired two police reports in XXXX XXXX connected to XXXX and XXXX. 

Case Type : Liens/Judgement Type : CIVIL JUDGMENT Origin Filing Date : XX/XX/2011 Agency State : Info Pending ... 
Irs Serial Number : Info Pending ...

Origin Filing Number : XXXX Filings Number : Info Pending ... 
Amount : {$4500.00} Agency : WELLS BANK Agency County : XXXX, CA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have disputed the late payments on XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX 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 2018-11-20 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: CA

Complaint narrative:
I have disputed the late payments on XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX 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 2018-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have disputed the late payments on XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX 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 2018-11-20 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: CA

Complaint narrative:
This complaint is regarding the accounts XXXX   XXXX, XXXX   XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX After sending dispute letters to Experian, it came back verified, I was extremely dismayed. The verification process must be flawed! How is it possible that they were able to verify the accounts when they can't even send me as to how they did their investigation? I have contacted the creditors asking them to validate but they did not prove documentation or response. CFPB please amp up and remove the accounts, I promise they have nothing to do with 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 2018-11-20 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: NC

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 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: EQUIFAX, INC.
State: NC

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 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:
This complaint is regarding the account XXXX   XXXX.After sending dispute letters to XXXX and Experian, it came back verified, I was extremely dismayed. The verification process must be flawed! How is it possible that they were able to verify the accounts when they can't even send me as to how they did their investigation? I have contacted the creditors asking them to validate but they did not prove documentation or response. CFPB please amp up and remove the accounts, I promise they have nothing to do with 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 2018-11-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 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: TX

Complaint narrative:
I have some credit checks on my report which will expire in the coming weeks. Transunion lowered my score by 31 points to sabotage the benefits I will receive from these credit checks being removed. They lowered my score for no apparent reason when virtually nothing negative occurred on my credit report. It was intentional and abusive.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 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:
This complaint is regarding the accounts XXXX   XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX After sending dispute letters to Transunion, it came back verified, I was extremely dismayed. The verification process must be flawed! How is it possible that they were able to verify the accounts when they can't even send me as to how they did their investigation? I have contacted the creditors asking them to validate but they did not prove documentation or response. CFPB please amp up and remove the accounts, I promise they have nothing to do with 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