vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-03 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: ID Analytics, Inc.
State: NJ

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E.Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX . My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX, XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX Please Delete the following numbers, I am no longer associated with them : ( 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 explanation
Consumer complaint received 2019-03-03 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: TX

Complaint narrative:
Experian refuses to remove 4 bankruptcies on my report. I have sent the 4 notarized dispute letters. Also the jurisdiction the bankruptcies were filed in is out of my jurisdiction. The zipcode is wrong also. My zipcode is XXXX the zipcode the were filed under is XXXX and they refuse to remove it. I have been working on this since XX/XX/XXXX of last year and the a refusing to move 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 2019-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCC Business Services, Inc.
State: MO

Complaint narrative:
I was contacted by my old apartment complex saying I owned XX/XX/XXXX rent. I told an associate that I was leaving because I was XXXX. My lease was up on the XX/XX/XXXX and I left out late XX/XX/XXXX. I turned in my keys, I didn't think I needed to give them my XXXX   since my lease was up. They called me and told me about the debt, I then emailed my XXXX  and they told me that they could not take that.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: ADP, LLC
State: WI

Complaint narrative:
After not using my card for almost 3 years, the Global Cash Card company would not activate a replacement card. The operator that was spoken to on XX/XX/2019 at XXXX XXXX Central Time, was looking for a catch phrase as he called it to identify the caller. Some secret catch phrase was never made by me. The company had to make up some type of word. The only thing I made was a PIN code by telephone, not by the internet. Therefore, the customer rep blocked the old card instead of giving me a chance to find it. This action caused a delay in payments of bills, thus making it impossible to make a 52 mile round trip for work to be done starting XX/XX/2019. When calling the number XXXX for customer service, the processor told me that it would take 48 hours to solve the issue. This would be handled on business days only meaning we have an unsolved issue for 6 days due to the fact Friday was XX/XX/XXXX. We have two days on the weekend along with Monday and Tuesday being the XXXX  and the XXXX  meaning by the XXXX of the month this issue may still be unsolved. Global Cash Card refused to make a simple bank to bank transfer of money that did not belong to them although it was going to another account with my name on it. According to them the entire world banking system is on shutdown due to the fact that they blocked my card. Thanks to this company my telephone will be off until Thursday or Friday which will be an entire week. During that time I can not accept jobs through the app services, while other bills are delayed. Unfortunately we have to deal with this company to get the money that we make. If it was my choice I would use another system.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03 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: MO

Complaint narrative:
For the 2nd consecutive month, I'm disputing this account ( XXXX XXXX   {$9.00} ) inwhich I've also requested for the credit agency to either send me their detailed Method Of Investigation into this matter or remove / block this account from my credit report as my right as a consumer as stated in the FCRA laws. I'm looking for the name and title of the employee inwhom determined that the account was verified. What physical documentation support their findings. No one ever showed me any kind of physical documentation that makes me liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: National Recovery Service, Inc.
State: VA

Complaint narrative:
I started XXXX XXXX College which was told I received a Pell Grant to go for XXXX $ I finished in XX/XX/XXXX because I had family issues but graduated in XX/XX/XXXX paid cash I did not sign any forms for loans. Here it is XX/XX/XXXX and they send me this bill. But the cost to finish was only 4 or 5000 $ in XX/XX/XXXX..This debt is Not my debt I am disputing it. Because XXXX at the time went to XXXX  for embezzlement students loans she only had me sign a form that's all ... back in XX/XX/XXXX I signed defer papers moved numerous of time and offer to pay when it was XXXX $ but I could only pay XXXX $ a month they denied me saying it was too low it had to be XXXX  or more I was struggling on welfare monthly check was XXXX . I couldn't afford XXXX $ a month they wouldn't accept so here I am haven't been able to pay I am XXXX XXXX and have XXXX income.They Use My Social security Number in a unlawful practice.I can't buy it sell anything with this on my Credit ... everyone goes by good credit scores. KJV Bible verse says a good name is more precious than rubies.I want my good name back this corporation have allowed these entities to ruin my life

Company response to consumer: Untimely response
Consumer complaint received 2019-03-03 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: VA

Complaint narrative:
On XX/XX/XXXX I checked my credit scores via XXXX XXXX. It showed a 52 point drop from XXXX to XXXX. The message on the site was that a note was reported by XXXX that I have an account in collections. I do not have any accounts in collections. This is the second credit reporting bureau I have had to dispute recently added derogatory notes to my report which are not accurate. These so called notes are causing my score to drop and at this time I will be closing on a house in XXXX and I need my score to reflect what if actually is .I called XXXX and I was on the phone for an hour for them to tell me that it seemed like identity fraud where it was false reporting on their part. Equifax needs to check facts before they put derogatory notes that are not valid on credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: MN

Complaint narrative:
XXXX XXXX. 
They have multiple times stated that its been verified but they havent shown me any documentation to assist in where to dispute next. There is literally no way they can prove something that didnt happen did!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03 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: GA

Complaint narrative:
Transunion continues to report inaccurate information to a name that sounds and looks similar to my own, my name is not the person on their credit profile. My name is XXXX XXXX, not the all capital letters name XXXX XXXX, I've submitted my National I.D . as proof, however the debt collectors & agencies refuse to correct their information, which I believe is against the law, my character has been defamed by these agencies and we will seek legal counsel for their dishonest acts. Under H.J.R. 192 the U.S. government is bankrupt, Federal Reserve Notes is a debt instrument, how can one pay a debt with a debt instrument? It's impossible, this is proof these agencies are committing fraud against the people, I do hope this is the proper platform to address these issues.

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 2019-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: MN

Complaint narrative:
Cavalry Portfolio Service They have multiple times stated that its been verified but they havent shown me any documentation to assist in where to dispute next. There is literally no way they can prove something that didnt happen did!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
CitiCard/CitiBank : They have multiple times stated that its been verified but they havent shown me any documentation to assist in where to dispute next. There is literally no way they can prove something that didnt happen did!

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 2019-03-03 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: Exeter Finance, LLC.
State: FL

Complaint narrative:
On XX/XX/XXXX and XXXX my credit was ran through several auto financing companies, They were only to check my credit through my current auto company which was XXXX XXXX XXXX to see if they would give me a new loan. Instead they ran through several companies. I told them when I was there I did not want them running my credit through anywhere besides XXXX. I have Called XXXX with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: MN

Complaint narrative:
Nordstroms TR Bank USA : They have multiple times stated that its been verified but they havent shown me any documentation to assist in where to dispute next. There is literally no way they can prove something that didnt happen did!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03 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:
XXXX  continues to report inaccurate information to a name that sounds and looks similar to my own, my name is not the person on their credit profile. My name is XXXX XXXX, not the all capital letters name XXXX XXXX, I've submitted my National I.D . as proof, however the debt collectors & agencies refuse to correct their information, which I believe is against the law, my character has been defamed by these agencies and we will seek legal counsel for their dishonest acts. Under H.J.R. 192 the U.S. government is bankrupt, Federal Reserve Notes is a debt instrument, how can one pay a debt with a debt instrument? It's impossible, this is proof these agencies are committing fraud against the people, I do hope this is the proper platform to address these issues.

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 2019-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MN

Complaint narrative:
One Main : They have multiple times stated that its been verified but they havent shown me any documentation to assist in where to dispute next. There is literally no way they can prove something that didnt happen did!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX my credit was ran through several auto financing companies, They were only to check my credit through my current auto company which was XXXX XXXX XXXX to see if they would give me a new loan. Instead they ran through several companies. I told them when I was there I did not want them running my credit through anywhere besides XXXX. I have Called XXXX with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03 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: Regional Management Corporation
State: FL

Complaint narrative:
On XX/XX/XXXX and XXXX my credit was ran through several auto financing companies, They were only to check my credit through my current auto company which was XXXX XXXX XXXX to see if they would give me a new loan. Instead they ran through several companies. I told them when I was there I did not want them running my credit through anywhere besides XXXX. I have Called XXXX with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
SyncB/XXXX : They have multiple times stated that its been verified but they havent shown me any documentation to assist in where to dispute next. There is literally no way they can prove something that didnt happen did!

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 2019-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
SyncB/PayPal Extras MC : They have multiple times stated that its been verified but they havent shown me any documentation to assist in where to dispute next. There is literally no way they can prove something that didnt happen did!

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 2019-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
SyncB/TJX Cos : They have multiple times stated that its been verified but they havent shown me any documentation to assist in where to dispute next. There is literally no way they can prove something that didnt happen did!

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 2019-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: MN

Complaint narrative:
TD Bank USA/XXXX XXXX : They have multiple times stated that its been verified but they havent shown me any documentation to assist in where to dispute next. There is literally no way they can prove something that didnt happen did!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03 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: Bepensa Capital, Inc.
State: TX

Complaint narrative:
I have no knowledge of this account.. On the attachment it is down in the body XXXX XXXX XXXX XXXX and XXXX XXXX for XXXX. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Equifax will not allow me to view my Dispute information now that its finished. I type in my personal information, go through a verification process and they state that they can not verify me. Its me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03 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: MN

Complaint narrative:
They have repeatedly responded with this has been verified and remains though its inaccurate and unverifiable and therefore must legally be removed immediately.

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 2019-03-03 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: MN

Complaint narrative:
They have repeatedly responded with this has been verified and remains though its inaccurate and unverifiable and therefore must legally be removed immediately.

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 2019-03-03 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: MN

Complaint narrative:
They have repeatedly responded with this has been verified and remains though its inaccurate and unverifiable and therefore must legally be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: CAVALRY INVESTMENTS, LLC
State: MN

Complaint narrative:
This Cavalry collections company forced my XXXX   roommate to sign for some document by way of a sheriff. Not only do I not recognize the company and affirm Ive never had business with them, the deceptive practice of having someone sneak into a secured property and forcing someone with police XXXX to sign unknowingly and unwittingly for legal documents that arent his and shouldnt be delivered to our residence anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monarch Recovery Holdings, Inc.
State: MN

Complaint narrative:
XXXX XXXX XXXX They have repeatedly ignored me. This isnt my debt and theyve ignored requests for additional information, proof and removal of information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: NY

Complaint narrative:
There were multiple credit cards opened in my name fraudulently. Debt was accrued and this was not authorized by me and is identity theft. I have tried to remedy this by calling and claiming fraud but I have received no correspondence. I simply want these accounts deleted and removed from my credit report and out of the database with the bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Delta Management Group, Inc.
State: MN

Complaint narrative:
Delta Management Group , Inc . 
This isnt legitimate and needs to cease immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MN

Complaint narrative:
TSI Transworld Systems Inc. 
on behalf of XXXX XXXX XXXX : Ive never heard of or been to either of these companies and have called and written both. I have continued to receive this fraudulent bill for services Ive never received.

Company response to consumer: Closed with explanation