vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I'm demanding a Method of Verification for the following unknown and unauthorized disputed accounts inwhich my identity has been compromised via the dark web inwhich should of been an aftermath from the Equifax data breach. So since I've previously disputed the following I was never provided with physical documentation from that investigation this is why I'm demanding the Method of Verification and if you nor your companies can not provide such then you shall remove the following : ( 1 ) XXXX XXXX XXXX {$1300.00} ( 2 ) XXXX {$2100.00} ( 3 ) XXXX {$2500.00} ( 4 ) XXXX XXXX XXXX   {$10000.00} ( 5 ) XXXX XXXX {$250.00} ( 6 ) XXXX XXXX XXXX ( 7 ) XXXX XXXX XXXX   {$800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I'm demanding a Method of Verification for the following unknown and unauthorized disputed accounts inwhich my identity has been compromised via the dark web inwhich should of been an aftermath from the XXXX data breach. So since I've previously disputed the following I was never provided with physical documentation from that investigation this is why I'm demanding the Method of Verification and if you nor your companies can not provide such then you shall remove the following : ( 1 ) XXXX XXXX XXXX {$1300.00} ( 2 ) XXXX {$2100.00} ( 3 ) XXXX {$2500.00} ( 4 ) XXXX XXXX XXXX {$10000.00} ( 5 ) XXXX XXXX {$250.00} ( 6 ) XXXX XXXX XXXX ( 7 ) XXXX XXXX XXXX {$800.00}

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 non-monetary relief
Consumer complaint received 2019-08-13 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: HI

Complaint narrative:
The following companies ran unauthorized credit report on me, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX.. I have never given permission for them to inquire my credit status, please remove it from my Transunion credit 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 2019-08-13 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: HI

Complaint narrative:
The following companies ran unauthorized credit report on me, XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. I have never given permission for them to inquire my credit status, please remove it from my Equifax credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
i've disputed fraudlent items on my credit report and the credit bureaus have not helped me resolved the problem

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am writing to ask for help in a dispute over the Citi Thank Your Preferred Card. I was charged approximately {$72.00} in XX/XX/XXXX for an XXXX on a card that was never activated. The card charged on XXXX 's end had different digits than the card I had originally saved 4 years ago ( and had expired XX/XX/XXXX ). The new card was charged but never activated on Citi 's end. 

The new card was never activated nor used. But somehow, XXXX updated the payment method and populated it with the new card information including a new expiration date, even though it wasnt active. I spoke with the XXXX team and they said that when they charged a card, they have to get a confirmation from the credit card company that the card is indeed active before they charge can proceed. What I dont understand is how they were able to charge a card that was never activated. When Ive tried to book XXXX or another service with an expired or inactive cards, I will get an error. But XXXX charge went through. I didnt realize this until XXXX of XXXX. Since I no longer used the Citi card, I wasnt receiving statements or bills to inform me of the charge. As a result, I didnt learn about the charge until XXXX, by which time multiple late fees were charged to that original {$72.00} charge. It is now over {$260.00} and has gone to collections, which has negatively affected my credit. Ive never missed a credit card payment and my credit score was 700+. But I am afraid that this incident has seriously dinged by credit score in the interim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
I was wondering where did credit bureaus get this public information when the recorder of deeds, the magistrate or the court itself did not furnish any of this information to the credit bureaus. They do not provide any proof to justify their reporting. Please get this public information removed because it is a violation of the Fair Credit Reporting Act to report false information INDIVIDUAL BANKRUPTCY DISCHARGE XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Ive spoken with these credit card company directly several times.I ddi send letters, call them from my cell phone & Ive contact the store whom gives out the card, Ive sent them several emails through the credit card account.Ive personally had communication with the store regarding this. I was a Victim of Domestic Violence which turned into a Horrific Public Corruption Casewithin a Courtroom. I was threatened if I didn't back off in my case that these county govt Officials within the Courtroom would hurt me financially in anyway they could if I didn't back off. I've had my medical records tampered with & destroyed.Checking account tampered with, not receiving my mail, & social security number compromised.Ive been threaten & yelled at by the credit card representatives.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 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: OH

Complaint narrative:
I just received feed back from TransUnion of the complaint that i had on XX/XX/XXXX that stated my affidavit was not excepted when it was notarized and also had a police report attached to it the accounts the came back on my report where already previously deleted and i have proof of that. Trans Union never sent me a reinsertion letter telling me that these accounts will be put back on my report after they where already deleted on XX/XX/XXXX i was told by a transunion representative that they don't control what someone else puts on my report they just have to dispute it as it comes and i simply asked the lady why do they have to investigate something that was already closed out and deleted she told me i would need to speak with the creditor about that. From my understanding transunion is not doing there part by reporting 100 % accurate information and not taking proper legal documentation seriously a notarized affidavit and police report are legal instruments that can be used in the court of law but they are saying they where not accepted. So now i have to wait an additional 45 days for accounts that where already deleted off my account to be deleted again and the representative also told me that it does not matter if the accounts were fraudulent and that i sent in paper work showing proof they still would have to file another dispute and i would have to wait an additional 45 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
My credit file is reporting accounts inwhich are not mines, not sure if accounts been mixed up because I'm a XXXX., or could this be all due to my wallet being stolen years ago, not to mention I'm a victim of the XXXX data breach. Either way I challenge these unauthorized accounts and demanding physical documentation before you and your companies report such fraudulent accounts. I'm also requesting your detailed Method of Verification in this immediate investigation, and you can not produce such physical documentation then you shall remove the following accounts immediately. 

1. XXXX {$250.00} 2. XXXX XXXX XXXX {$1000.00} 3. XXXX XXXX XXXX   {$900.00} 4. XXXX XXXX XXXX/XXXX {$4600.00} 5. XXXX XXXX XXXX 6.  XXXX XXXX XXXX  7. XXXX/XXXX 8. XXXX  XXXX XXXX XXXX 9. XXXX XXXX 10. XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
My credit file is reporting accounts inwhich are not mines, not sure if accounts been mixed up because I'm a jr., or could this be all due to my wallet being stolen years ago, not to mention I'm a victim of the Equifax data breach. Either way I challenge these unauthorized accounts and demanding physical documentation before you and your companies report such fraudulent accounts. I'm also requesting your detailed Method of Verification in this immediate investigation, and you can not produce such physical documentation then you shall remove the following accounts immediately. 

1. XXXX {$250.00} 2. XXXX XXXX XXXX {$1000.00} 3. XXXX XXXX XXXX {$900.00} 4. XXXX XXXX XXXX {$4600.00} 5. XXXX XXXX XXXX 6. XXXX XXXX XXXXt 7. XXXX 8. XXXX XXXX XXXX XXXX 9. XXXX XXXX 10. XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
My credit file is reporting accounts inwhich are not mines, not sure if accounts been mixed up because I'm a jr., or could this be all due to my wallet being stolen years ago, not to mention I'm a victim of the XXXX   data breach. Either way I challenge these unauthorized accounts and demanding physical documentation before you and your companies report such fraudulent accounts. I'm also requesting your detailed Method of Verification in this immediate investigation, and you can not produce such physical documentation then you shall remove the following accounts immediately. 

1. XXXX {$250.00} 2XXXX XXXX XXXX XXXX {$1000.00} 3. XXXX XXXX XXXXk {$900.00} 4. XXXX XXXX XXXX {$4600.00} 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX  7. XXXX 8. XXXX XXXX XXXX XXXX 9. XXXX XXXX 10. 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 2019-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Through my chase moblie app, Someone who I do not know requested money from me. I accidentally hit accept. I called my bank to file a claim and told them it was fraud/scam. They told me that there wasn't much that they could do. I tried contacting the person who I sent it to and no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Real Time Group, Inc.
State: CA

Complaint narrative:
I reached out to collection agency " Real Time Resolutions '' in XXXX after bombardment of phone calls demanding that I pay a debt that I was unsure of. I wrote to them and offered settlement if the phone calls will stop, never verified debt and request the debt be validated by the company within 30 days. I also request that if the two criteria 's were met and they accepted my settlement that the debt be reflected as paid in full and removed completed from my credit report. 

Not only did i not receive any written correspondence from the company, the harassing phone calls haven't stopped to this day. Per the Fair Debt Collection Practices Act its a violation of the collection practices act for a debt collector to refuse to send a validation notice or fail to respond to your verification letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 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: TN

Complaint narrative:
I was rejected for a credit card due TransUnion failure to provide accurate account information. 

On XX/XX/2019, XXXX XXXX on behalf of XXXX XXXX declined my request and stated as follows : Thank you for your interest in XXXX XXXX. XXXX XXXX XXXX XXXX has reviewed your application, and it was not approved at this time because : You have high outstanding credit card balances XXXX XXXX XXXX XXXX received your credit score from TransUnion Consumer Solutions. 

Your credit score as of XX/XX/2019 : XXXX This information is inaccurate and I have requested TransUnion to update my XXXX XXXX account to reflect the account balance and report my score accurately. TransUnion on XX/XX/2019 reported my correct XXXX XXXX balance to XXXX prompting my score to be XXXX. 


Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
The following accounts has been reporting on my credit report but either company nor the 3 major credit bureaus has ever produced any physical documentation of Verification of these accounts inwhich I have disputed as fraud due to the fact that are not mines, and as a consumer I am protected by the FTC and the FCRA laws and if you choose to be sued rather than send physical documentation or remove these accounts then that's another issue. I'm demanding the removal of these accounts. 

1 ) XXXX XXXX {$350.00} 2 ) XXXX XXXX {$680.00} 3 ) XXXX XXXX {$140.00} 4 ) XXXX XXXX XXXX {$30.00} 5 ) XXXX {$71.00} 6 ) XXXX XXXX XXXX 7 ) XXXX XXXX XXXX 8 ) XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
It seems America Express only approves me for cards with high annual fees. On XX/XX/2018 American Express Approved me for a Gold Card with a {$250.00} annual fee. I have the same exact credit with the same report. And when I tried to apply for an American Express Card with NO annual fees they decline me. Even though American Express approves me for a card on XX/XX/2018. My credit is even much better today than it was on XX/XX/2018. American Express is a fraud. And they are just trying to get me to pay for their annual fee. Even though they short me out of membership points.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
The following accounts has been reporting on my credit report but either company nor the 3 major credit bureaus has ever produced any physical documentation of Verification of these accounts inwhich I have disputed as fraud due to the fact that are not mines, and as a consumer I am protected by the FTC and the FCRA laws and if you choose to be sued rather than send physical documentation or remove these accounts then that's another issue. I'm demanding the removal of these accounts. 

XXXX ) XXXX XXXX {$350.00} 2 ) XXXX XXXX {$680.00} XXXX ) XXXX XXXX {$140.00} 4 ) XXXX XXXX XXXX {$30.00} XXXX ) XXXX {$71.00} 6 ) XXXX XXXX XXXX 7 ) XXXX XXXX XXXX 8 ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
The following accounts has been reporting on my credit report but either company nor the 3 major credit bureaus has ever produced any physical documentation of Verification of these accounts inwhich I have disputed as fraud due to the fact that are not mines, and as a consumer I am protected by the FTC and the FCRA laws and if you choose to be sued rather than send physical documentation or remove these accounts then that's another issue. I'm demanding the removal of these accounts. 

1 ) XXXX XXXX {$350.00} 2 ) XXXX XXXX {$680.00} 3 ) XXXX XXXX {$140.00} 4 ) XXXX XXXX XXXX {$30.00} 5 ) XXXX  {$71.00} 6 ) XXXX XXXX XXXX 7 ) XXXX XXXX XXXX 8 )  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 2019-08-13 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: CA

Complaint narrative:
Equifax conducted an investigation into items listed on my credit report which I disputed in the month of XX/XX/2019. The investigation was completed according to paper work on XX/XX/2019 ( see attached ). In the investigation results it shows items listed below : XXXXl - XXXX - Verified as belonging to me XXXX XXXX - XXXX - Verified as belonging to me XXXX XXXX  XXXX XXXX - Verified as belonging to me XXXX XXXX XXXX XXXX XXXX XXXX Verified as belonging to me XXXX XXXX  - XXXX - Verified as belonging to me I have contacted each one of these companies for verifiable data which neither has been able to supply to me and I've asked Equifax to complete a fair and thorough investigation into the matter and they have provided me with bogus results stating everything is verified.I then sent a Method of Verification letter on XX/XX/2019 to Equifax exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) to provide me with proof they completed a thorough investigation properly and not via XXXX system and requested them to provide me with the description of the procedure used to determine the accuracy and completeness of the information. Name, Address, and  telephone number of each person contacted regarding these alleged accounts. Finally, any documentation provided bearing my signature, showing I had a legally binding contractual obligation to pay them and exact amount claimed. As a result, I received a bogus response from Equifax today stating I had no claim on file. I have attached all documentation backing up my claim for your review CFPB.Please make sure the credit bureau obeys the laws of its consumers and not continue to destroy the credit of the innocent. I would like the items to be investigated properly and provided the proof I requested or for the items to be removed immediately from my credit report. If they fail to obey the law properly I will exercise my rights to sue and win for every violation committed under the FCRA. Please see attached files for details.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Overton, Russell, Doerr and Donovan, LLP
State: NY

Complaint narrative:
The company served my mother on ( she is the secondary contact on the account ) XX/XX/XXXX. Then placed a judgement against us both in XX/XX/2019 without notice. The company lied to serve me on XX/XX/XXXX by stating they would not enter into payment arrangements without it. Also after contacting them they stated they would accept $ XXXX/mo for two years and now they are stating $ XXXX/mo till paid interest is paid off as well taking the total from {$13000.00} to {$16000.00}. They are also threatening to put a lean on my mothers property and garnish my wages.

Company response to consumer: Closed with explanation