vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-06 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: CA

Complaint narrative:
I HAVE DISPUTED THE INQUIRIES BELOW SEVERAL TIMES AND I KEEP GETTING REPLIES BACK THAT THESE ITEMS HAVE BEEN VERIFIED AS ACCURATE. THESE ITEMS ARE KEEPING MY CREDIT SCORES LOW WHICH IN TURN IS AFFECTING MY OPPORTUNITY TO GET DECENT RATES ON A PENDING HOME PURCHASE. 

1. XXXX XXXX XXXX XX/XX/XXXX UNATHORIZED INQUIRY 2. XXXX XXXX - XX/XX/XXXX - UNAUTHORIZED INQUIRY 3.  XXXX XXXX - UNAUTHORIZED INQUIRY 4. XXXX  - XX/XX/XXXX - UNAUTHORIZED INQUIRY 5. XXXX XXXX - XX/XX/XXXX - UNAUTHORIZED INQUIRY 6.  XXXX XXXX - XX/XX/XXXX -, UNAUTHORIZED INQUIRY 7. EXPERIAN XXXX XXXX - XX/XX/XXXX - UNAUTHORIZED INQUIRY 8. XXXX XXXX XXXX - XX/XX/XXXX - UNAUTHORIZED INQUIRY 9. EXPERIAN XXXX XXXX - XX/XX/XXXX - UNAUTHORIZED INQUIRY 10. XXXX XXXX - XX/XX/XXXX - UNAUTHORIZED INQUIRY 11. XXXX  XXXX XX/XX/XXXX UNAUTHORIZED INQUIRY

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 2018-12-06 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have mailed copies of my passport and a recent utility bill with my correct name spelling and my address that I have lived at since 2008 because I recently discovered that several accounts and addresses are on my credit that are fraudulent ... .. I mailed this stuff off in XXXX but I have not had any success hearing back from you and thats with mailing two letters back to back I need this information corrected asap .... I was advised to put this information on an FTC affidavit I filled out online which I am attaching to this complaint please correct this matter for me and email me with a response at XXXX. my correct address is XXXX XXXX XXXX XXXX nc XXXX I have had that address since XXXX of 2008 ... .. the addresses that have had fraudulent accounts/ activity is XXXX XXXX XXXX XXXX nc XXXX XXXX XXXX XXXX XXXX nc XXXX XXXX XXXX XXXX, NC XXXX names that are incorrect 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 2018-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2018, I open a new checking account with JP Morgan Chase Bank. In addition, I received a coupon for {$200.00} bonus ( tracking # XXXX ) if I receive a direct deposit of XXXX or more from one of the following within 60 days : a. ) Employer. 
b. ) Government Benefits. 
c. ) or Government. 

However, in this case I received a direct deposit in the amount of {$860.00} from the government on XX/XX/2018. Unfortunately, they claimed I was not eligible when the coupon I applied for indicates that I was eligible. Therefore, I filed a claim with the escalations team and they told me that it has to be reoccurring when the instructions clearly states a one time direct deposit of XXXX or more. In addition, I recently filed another claim with the Executive Team on XX/XX/2018 and was told that I will receive a call within 2 business day.  However, no one reached out to me to try to resolve my concerns, especially after I reached out multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 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: IL

Complaint narrative:
I have a public record entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that  the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. Equifax refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 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: IL

Complaint narrative:
I have a public record entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine.

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 2018-12-06 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
XXXX XXXX and XXXX  XXXX XXXX are reporting negative accounts on my credit reports. Not only are they reporting false information the information that they are reporting is not mine information. I called and spoke with the creditors and requested they provided me with documentation showing this debt belongs to me. After further review of the paperwork they have a different social security number on the contract. I called the credit bureaus to report this inaccurate information and they failed to follow up. They stated the information was verified. I sent in a copy of the contract from the company showing the social security number on the contract does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-06 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: MD

Complaint narrative:
There is an account on my credit report ( Equifax only ) with the status of open when it should be showing a status of closed because it was included in a bankruptcy in XX/XX/2016. Its shows a balance of {$0.00} and past due amount {$0.00}, but yet is still open on my account. There is also an account open only on Equifax again of a balance of {$570.00} that I have never received a bill for, but is showing it was opened in XXXX  this year. I have disputed these two account with Equifax and sent them proof of bankruptcy and they still have not changed the status of the accounts even though I have received confirmation emails stating the dispute was completed. It is almost impossible to receive information regarding this situation because it is impossible to even receive access on their website because their system can never accurately match my information to confirm my identity and their phone number wait is always backed up hours at a time because no one can access their online features. Equifax should not be a trusted agency for being responsible for people credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 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:
I got a collection account that does not belong to me, I send all the paper work to proof that the account don't belong to me. Two disputes later collection account still on my report affecting my score. 

First Dispute XX/XX/2018 Results Report Number : XXXX Date Generated : XX/XX/2018 XXXX XXXX XXXX Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
XXXX XXXX XXXX Account Name XXXX Account Number Second Dispute XXXX  XXXX XXXX  Date Generate : XX/XX/2018 Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
XXXX XXXX XXXX Account Name XXXX Account Number

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 2018-12-06 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: MO

Complaint narrative:
XXXX XXXX and XXXX  XXXX XXXX  are reporting negative accounts on my credit reports. Not only are they reporting false information the information that they are reporting is not mine information. I called and spoke with the creditors and requested they provided me with documentation showing this debt belongs to me. After further review of the paperwork they have a different social security number on the contract. I called the credit bureaus to report this inaccurate information and they failed to follow up. They stated the information was verified. I sent in a copy of the contract from the company showing the social security number on the contract does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 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: EQUIFAX, INC.
State: MO

Complaint narrative:
XXXX XXXX and XXXX  XXXX XXXX are reporting negative accounts on my credit reports. Not only are they reporting false information the information that they are reporting is not mine information. I called and spoke with the creditors and requested they provided me with documentation showing this debt belongs to me. After further review of the paperwork they have a different social security number on the contract. I called the credit bureaus to report this inaccurate information and they failed to follow up. They stated the information was verified. I sent in a copy of the contract from the company showing the social security number on the contract does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 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: Ability Recovery Services, LLC
State: MD

Complaint narrative:
There is an account on my credit report ( XXXX only ) with the status of open when it should be showing a status of closed because it was included in a bankruptcy in XX/XX/XXXX. Its shows a balance of {$0.00} and past due amount {$0.00}, but yet is still open on my account. There is also an account open only on XXXX  again of a balance of {$570.00} that I have never received a bill for, but is showing it was opened in XXXX this year. I have disputed these two account with XXXX and sent them proof of bankruptcy and they still have not changed the status of the accounts even though I have received confirmation emails stating the dispute was completed. It is almost impossible to receive information regarding this situation because it is impossible to even receive access on their website because their system can never accurately match my information to confirm my identity and their phone number wait is always backed up hours at a time because no one can access their online features. XXXX  should not be a trusted agency for being responsible for people 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 2018-12-06 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: Debt Recovery Solutions, LLC
State: MD

Complaint narrative:
There is an account on my credit report ( XXXX only ) with the status of open when it should be showing a status of closed because it was included in a bankruptcy in XX/XX/2016. Its shows a balance of {$0.00} and past due amount {$0.00}, but yet is still open on my account. There is also an account open only on XXXX  again of a balance of {$570.00} that I have never received a bill for, but is showing it was opened in XXXX this year. I have disputed these two account with XXXX and sent them proof of bankruptcy and they still have not changed the status of the accounts even though I have received confirmation emails stating the dispute was completed. It is almost impossible to receive information regarding this situation because it is impossible to even receive access on their website because their system can never accurately match my information to confirm my identity and their phone number wait is always backed up hours at a time because no one can access their online features. XXXX should not be a trusted agency for being responsible for people credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 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 have already been the victim of identity theft several times and have a fraud alert on my credit these accounts are from 6 years ago to places I have never been. I have confirmed I have never been to these places and they are not mine please remove from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
This company is Tower Loan. They are calling me saying they can not get ahold of my relative whom lives at her own residence. This relative has apparently signed a title loan, which I knew nothing about. They have her current residence, phone number, and LOCATION. I have never done business with this company and I have never given anybody permission to call me from this company. The first call was on XX/XX/18 at XXXX XXXX from XXXX. They called my home telephone and did not leave a message. I returned the call and they said they were calling in reference to someone else and they hung up. They called again the next day on XX/XX/18 from XXXX at XXXX XXXX  on my home telephone and did not leave a message. I returned the call and they said they were trying to reach my relative. I responded by stating she has been at her current residence with the same phone number for years. I can not help that she may not answer her phone as she may not always hear it. The caller also stated to me " I wasn't going to ask you for money ''. I stated to her " my relative 's car was at a body shop and had been wrecked and she may be riding the XXXX XXXX XXXX bus for errands and may not be home '' ; however, they already knew that her car was wrecked! Debt collectors can only contact your family to locate the debtor, not to collect money for another 's debt, and theyre only allowed to contact a person once. Debt collectors arent allowed to tell your family about your debt unless youre a minor under age XXXX or the family member cosigned the debt with you. Otherwise, theyre breaking the law. And if the collector already has the debtor 's address and phone number, theyre not allowed to contact your relatives at all. So why am I being called from this loan company?

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 2018-12-06 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: IL

Complaint narrative:
On XX/XX/XXXX, Transunion verified an account on my consumer credit profile as accurate ( attachment # 1 ). However, the credit reporting agency failed to conduct and complete and thorough investigation and is currently reporting incomplete and inaccurate information on this account. This is evidence by the following : 1. In their investigation results, they list the court as CALIFORNIA FED COURT -XXXX  ( attachment # 1 ).  There is no such court. Additionally, the Legal name of the court must be fully disclosed ; not abbreviated. 
2. Transunion currently reports the court for the same account as " U.S.  Bankruptcy Court '' through XXXX  ( see attachment # 2 ). How can Transunion report two different courts for the same account? 
3. Also indicated in Transunion 's investigation results is a XX/XX/XXXX " Date Updated '' entry ( attachment # 1 ). If this account was verified as accurate in XX/XX/XXXX, the Date Update section should reflect this and have been noted as XX/XX/XXXX. Furthermore, this indicates Transunion never verified this account as alleged. 
4. Transunion 's results of the investigation note " Individual Debt '' in the Responsibility section ( attachment # 1 ). The responsibility for a discharged bankruptcy is {$0.00} ; period. On XXXX  's platform, Transunion does not have ANY value in the " Liability '' section, indicating to lenders am still liable for some or all debts discharged in the petition ( attachment # 2 ). 

Transunion failed to conduct a complete and thorough investigation and is currently reporting inaccurate information to my consumer profile. The FCRA requires credit reporting agencies to report accurate, complete and verifiable 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 2018-12-06 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: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
My file was stolen and someone had made an unauthorized hard inquiries. 
I would like to file a dispute and remove an unauthorized hard inquiries

Company response to consumer: Closed with explanation