vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not receive a reasonable investigation regarding accounts which are listed within my credit report in error. The credit reporting bureau referenced continues to verify and validate the following accounts as accurate when they are not valid and do not belong to me. 

XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 2020-01-17 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:
I did not receive a reasonable investigation regarding accounts which are listed within my credit report in error. The credit reporting bureau referenced continues to verify and validate the following accounts as accurate when they are not valid and do not belong to me. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2020-01-17 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: FL

Complaint narrative:
I recently looked over my credit report and I noticed some false accounts that were reported on my credit file. These derogatory accounts do not belong to me and I have no memory of these accounts. I have no idea who or how someone could have access to my credit report. Now because of these accounts, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off my credit file

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 2020-01-17 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: FL

Complaint narrative:
I recently looked over my credit report and I noticed some false accounts that were reported on my credit file. These derogatory accounts do not belong to me and I have no memory of these accounts. I have no idea who or how someone could have access to my credit report. Now because of these accounts, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off my credit file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALEXANDER-ROSE ASSOC, INC.
State: MO

Complaint narrative:
Upon checking my credit i noticed an account listed from a previous apartment complex called XXXX XXXX in XXXXXXXX tx. The collection agency reporting the {$5200.00} debt was Alexander Rose also respectively located in XXXX. The lease was from XX/XX/XXXX to XX/XX/XXXX, a 1 year lease. The lease was satisfied according to agreement however inflated and unlawful charges were applied, i contacted XXXX XXXX in XX/XX/XXXX and spoke with the property manager and discussed multiple instances of this as reported to the XXXX. We agreed upon forfeiting the security deposit to settle any and all past due charges. Fast forward to XX/XX/XXXX and its still reporting as past due and the amount is {$5200.00}. I reach out to alexander rose inc. In XXXX of XXXX asking for validation. They told me debt was valid and must be paid. XXXX XXXX, the original creditor was SOLD in XXXX and now belongs to new owners called XXXX XXXX Alexander Rose is and has been trying to collect money fraudulently dye to the fact tey DO NOT have a current contract with XXXXXXXX XXXX and Alexander Rose does not own or have purchased the alleged debt as it states on their website. I have never signed a contract with Alexander Rose so they do not have authority or authorization to collect. If i was to pay alleged debt Alexander Rose woukd pocket 100 % of revenue as there is no one for them to pay. An email conversation dsting XX/XX/XXXX with original creditor XXXX XXXX property manager XXXX XXXX reveals they have NO Record of my account and contacted corporate offices which also confirmed no debt with XXXX XXXX. Akexander Rose has violated the FDCPA and FCRA and should be fined accordingly and my account deleted and removed from all credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: STERLING JEWELERS, INC.
State: MO

Complaint narrative:
A caller identified as a debt collector try to collect on a credit card already paid 3 years ago. Creditor shows XXXX balance on credit report.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
I requested for a loan modification, I was approved I made all my trial payments. On XX/XX/XXXX I spoke with a XXXX and she advised me that I would be receiving my closing documents and to keep making my trial payments. On XX/XX/XXXX I had a missed call and I called on XX/XX/XXXX and was advised that my signature paperwork was still missing. I spoke with XXXX who never told me my file was closed and to re fax the paper so I did. On XXXX I spoke with XXXX who stated that I was not on any assistance and my fax was still not received. I spoke with a supervisor who XXXX who definitely does not want me to keep my home. I called back and was told all supervisors are in a conference. I need to speak with owner of the company I need to speak with someone who wants to help me keep my home. I don't want to loose my house. I'm crying out for help and Loancare doesn't want to help. I have received no paperwork saying my file was closed. I have no clue what to do at this point

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 2020-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I accidentally put a freeze on my credit when I was reviewing my credit report. Without explanation Experian will not allow me to remove the credit freeze online. I have sent them documentation to prove who I am with instructions to remove the freeze. Meanwhile I have two banks trying to process loan applications and can not due tobthe Experian freeze. It is impossible to reach a human being by phone at Expert.

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 2020-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX, I needed to lift my security freeze. Logging into Equifax services, I could not log into my account. I tried the reset password line, but never recieved a email on how to reset my password. Going into the system to get help your asked a series of questions. Some was so vague that I did not know what they wanted for a answer. I spoke to a representive but they won't help you over the phone. They wanted a copy of my drivers license and SSN card to help. It has to be mailed for faxed. I faxed a cover letter asking for my Freeze to be lifted temporarly and my account be fixed. 
On XX/XX/XXXX, Today I recieved a letter saying my freeze was lifted, but the agents still won't fix my account. Im still having problems answering there questions as they are so vague. They requested another copy of my SSN card, she said she couldn't read it, even thought they lifted my freeze. It take 7 businnes days to get a response from the fax. To make it worse the repensentive was laughing when I got uspset. 

They need to make there questions more presice and the agents training.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Despite my previous written requests for you to provide me with the name of the person in your company who verified that these accounts are accurate and belong on my file, what documentation did they use to verify that these accounts are accurate and belong on my file you ignored my rights and instead told me that you are labeling my dispute as Frivolous. Your actions clearly demonstrate your willful violation of the FCRA and I believe the Courts will agree when I present them with copies of my letters and your responses to 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 2020-01-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Essential Retrieval Group
State: FL

Complaint narrative:
on XX/XX/XXXX at XXXX XXXX I received a call from XXXX stating he was going to serve a warrant and wanted to set up a time when I was home so he wouldn't have to serve me at work. He gave me a case number ( XXXX ) and a phone number to call for more information. I called a company called ERG at XXXX, the gentleman had me verify my last four of my ssn and proceeded to tell me I was going to be served papers on an outstanding XXXX XXXX XXXX for {$4000.00} and some dollars, but I could clear the matter up so I wouldn't have to go to court. XXXX XXXX loan would accept {$1000.00} something. I told him I filed for debt consolidation and I hadn't thought about the debt ( but I thought the original amount was {$500.00} ). I told him I couldn't remember the name of my debt consolidation company but would call him back. I looked at my credit report and XXXX XXXX XXXX sold my debt in XX/XX/XXXX. So I don't know if this is really XXXX XXXX XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2020-01-17 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: FL

Complaint narrative:
However I have not had any accounts with this companies. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I dont recognize these debts, I believe, that somebody used my personal information and applied for it.

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 2020-01-17 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: CA

Complaint narrative:
I had to file this report because I was denied from opening a credit card at XXXX today XX/XX/20 due to having accounts in negative standing. None of those accounts belong to me nor did I allow anyone to open these accounts in my name with my personal information. I have no idea who opened these accounts or how they got a hold of my information but I have already filed a police report. I did not benefit anything such as money, goods services or any other benefits from any of these accounts and I did not make any purchases or payments towards any of these accounts. I am not affiliated with any of these companies and I never gave them permission to access my credit information.

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 2020-01-17 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: CarMax, Inc.
State: CA

Complaint narrative:
I REVIEWED A COPY OF MY CREDIT REPORT AND FOUND A FRAUDULENT CAR LOAN IN MY XXXX REPORT. I HAVE NEVER HAD ACCOUNT WITH CARMAX. I AM A VICTIM OF IDENTITY THEFT. THIS ACCOUNT IS A FRAUDULENT ACCOUNT. XXXX CREDIT REPORTING AGENCY DELETED THE CARMAX ACCOUNT AS OF XX/XX/2019. IN SPITE OF THAT, XXXX REINSERTED THIS FRAUDULENT ACCOUNT BACK TO MY CREDIT REPORT AND MY CREDIT HISTORY WAS DAMAGED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 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: FL

Complaint narrative:
Experian is showing an inquiry from XXXX XXXX XXXX XXXX from XX/XX/2019 and I did not request my credit be pulled.

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 2020-01-17 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: CA

Complaint narrative:
I had to file this report because I was denied from opening a credit card at XXXX today XX/XX/20 due to having accounts in negative standing. None of those accounts belong to me nor did I allow anyone to open these accounts in my name with my personal information. I have no idea who opened these accounts or how they got a hold of my information but I have already filed a police report. I did not benefit anything such as money, goods services or any other benefits from any of these accounts and I did not make any purchases or payments towards any of these accounts. I am not affiliated with any of these companies and I never gave them permission to access my credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 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: CA

Complaint narrative:
I had to file this report because I was denied from opening a credit card at XXXX today XX/XX/20 due to having accounts in negative standing. None of those accounts belong to me nor did I allow anyone to open these accounts in my name with my personal information. I have no idea who opened these accounts or how they got a hold of my information but I have already filed a police report. I did not benefit anything such as money, goods services or any other benefits from any of these accounts and I did not make any purchases or payments towards any of these accounts. I am not affiliated with any of these companies and I never gave them permission to access my credit information.

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 2020-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
How ridiculous- after sending me numerous reports they continue to send this diversion!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I have XXXX separate credit cards, Capital One which is a general card, and XXXX which is a store card. A few months ago Capital One took over the billing for the XXXX card and the e-bills that come via email are identical. They make no distinction on the XXXX bill except the credit card number. SO unless I note the number, it appears I am receiving a duplicate bill and it is deceptive. Twice I have been late with the second bill because I have thought I already paid it. It is deceptive for Capital One to NOT LABEL the bill that is for the XXXX account. There is no reason for them to not distinguish between the XXXX. I have asked them to combine both balances and they said they are not set up to do such a thing. This is affecting my credit score and should not be allowed. It is still a XXXX card. I have not received a new card. The billing should still say XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I never open any of accounts at Chase bank. The information with my social security is not match my identity. Ive tried talk to manager about the situation, theyve asked me to come with my proof. They couldnt help anything. I need my social security to be protected that match my identity. Ive never share with anyone unless the employee involvement. I really need your help to clear the false information off my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was given a check from my father ( who has the same last name as me and has deposited money into my account on multiple occasions, usually at amounts between $ XXXX {$2000.00} ). The check amount was for {$12000.00}. It was printed and issued by his bank. I deposited the check on XX/XX/XXXX ( Saturday ). At the time of the deposit, I was given a receipt stating that the funds would not be available until XX/XX/XXXX. I deposited the check in person at a branch. On Monday, XX/XX/XXXX, I received word from my father that the check had cleared from his account and I should have the funds soon. The funds were needed to make a down payment on Saturday, XX/XX/XXXX. On Wednesday, XX/XX/XXXX I called Chase bank to ask about the funds. I confirmed that I knew the writer of the check and had a personal relationship with him. I also informed the agent I spoke with that my father had confirmed the check had cleared his account in the beginning of the week. The agent proceeded to tell me that even though I have a consistent pattern of receiving large deposits from my father, they could not clear the check because they could not confirm that he had the money. He said they had called my fathers bank but could not get confirmation from them. He asked me to give him the direct contact information for the teller my father works with, which I did not know. I had the number for the branch he frequents but he wouldnt take that. He then told me there was nothing I could do, I would just have to wait the 7 business days ( which is somehow 13 total days from the initial deposit ). I even explained that the funds were needed for something and that I had just deposited a check a week prior that was from my father and in the same format and it had cleared right away.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-17 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Despite my previous written requests for you to provide me with the name of the person in your company who verified that these accounts are accurate and belong on my file, what documentation did they use to verify that these accounts are accurate and belong on my file you ignored my rights and instead told me that you are labeling my dispute as Frivolous. Your actions clearly demonstrate your willful violation of the FCRA and I believe the Courts will agree when I present them with copies of my letters and your responses to 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 2020-01-17 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Despite my previous written requests for you to provide me with the name of the person in your company who verified that these accounts are accurate and belong on my file, what documentation did they use to verify that these accounts are accurate and belong on my file you ignored my rights and instead told me that you are labeling my dispute as Frivolous. Your actions clearly demonstrate your willful violation of the FCRA and I believe the Courts will agree when I present them with copies of my letters and your responses to them.

Company response to consumer: Closed with explanation