vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-12 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: CT

Complaint narrative:
I have been contacting Equifax, XXXX and XXXX since XXXX XXXX, 2017. My information has been compromised as a result of the security breach. I have place fraud alerts on my reports to avoid any more fraud usage on my report. Someone is still using my identity and have been applying for credit under my name and social I have spoken with several employees in regards to this matter and I have been told that there is nothing that can be done to help me. I have sent in Police reports, documents showing that I was incarcerated during the time of most inquiries, a complaint letter from the fcra and there is no resolution, I am continuously being told they have not received my information. I sent all documents by fax, upload, certified mail and they will not help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have some collection removed from my file in XXXX 2017,  then after awhile I look at XXXX and Trans Union and they were back on my 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 2017-11-12 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have paid a large amount on my " XXXX Credit Card, '' but in Equifax system appears as if the balance has increased. I do have a paid service with Equifax for a long time. 
I have tried to enter a dispute claim in Equifax website, but system is not working. 
I do have copies of the current balance in my credit card and also a copy of what Equifax is showing in my file. 
It is strongly suggested to others, to monitor their credit cards, balances and credit reports very closely.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In CFPB complaint XXXX XXXX XXXX  was complained about as the collector for XXXX the original creditor.PLEASE SEE ATTACHMENTS.As the desired result of the complaint this collection was removed from my credit reports. 
As the attachments explain the collection was unfair and fraudulent.Now after the deletion of XXXX XXXX  another collector XXXX XXXX acct no XXXX has appeared on my credit reports attempting to collect for the same debt.This account should be removed.

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 2017-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In CFPB complaint XXXX XXXX XXXX was complained about as the collector for XXXX the original creditor.PLEASE SEE ATTACHMENTS.As the desired result of the complaint this collection was removed from my credit reports. 
As the attachments explain the collection was unfair and fraudulent.Now after the deletion of XXXX XXXX another collector XXXX XXXX acct no XXXX has appeared on my credit reports attempting to collect for the same debt.This account should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX, my late husband opened up a Chase credit card account for himself, under his social security number. He passed away intestate on XXXX/XXXX/XXXX. I informed Chase several times that he had passed away intestate, and that I had not ever signed a credit agreement with them. 

Recently I was notified by XXXX that they had lowered my credit limit due to a delinquent credit obligation. I have excellent credit, and this was the first time I realized that there was something wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: DISCOVER BANK
State: TX

Complaint narrative:
About three weeks ago I opened a new Discover XXXX XXXX account with an online promotional offer. According to this offer, after I deposit XXXX balance, I should receive XXXX  bonus credit in my XXXX savings account. Then I deposited XXXX to my XXXX savings account over two weeks ago. However, so far I have NOT received the XXXX bonus in my account yet. 

I have a friend who opened the Discover XXXX savings account around the same time as me but he has already received his XXXX bonus. But I have NOT received any bonus yet. 

I request Discover Bank to post the {XXXX to my Discover XXXX savings account immediately without any further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
On XXXX XXXX, XXXX, my husband and I hired Attorney XXXX XXXX to help us file Chapter XXXX Bankruptcy. We paid him XXXX from our joint checking account but still owed him XXXX to begin the bankruptcy process. 
We did n't have XXXX to pay him the full XXXX so he advised us to do cash advances on our credit cards, but informed us, " We 'd have to wait 3 months to file. '' Within two days we paid him XXXX in cash, but never heard back from him, nor did we ever go to court. 
All of our debt was paid in full despite the fact we never went to court, and our filing date was illegally changed to XXXX XXXX, XXXX, not the year we filed. 
Not only was the year illegally changed, there 's no case number listed on any of the documents, and the documents were changed to look like a divorce. 
I reviewed my credit report from XXXX, and it states, " We filed in XXXX, WI. '' which is part of the XXXX XXXX, not the district we would have filed in, nor do they have jurisdiction. 
I then reviewed my credit report from Transunion, and the have a XXXX address listed, not the court we filed in. 
Had our bankruptcy been filed legally and we went to court, we would have gone to the XXXX District which is located at XXXX XXXX XXXX XXXX, XXXX, WI. 
Bankruptcy XXXX was committed to cover up my husband 's legal last name, the illegal alias he 's been using, and the years of fraud committed because of his multiple identities.

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 2017-11-12 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Over the past year there have been hard inquiries placed on my report that I did not authorize. After reaching out to the credit organizations they still have not fixed the problem nor deleted the requested information after several attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12 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: LEXISNEXIS
State: TX

Complaint narrative:
I sent LexisNexis a letter of dispute regarding two public records ( Tax Liens ). XXXX and XXXX both reported that this information was furnished to them by LexisNexis, which is a third party vendor. I advised XXXX and XXXX that this is a direct violation of the Fair Credit Reporting Act. I sent a certified letter of dispute to LexisNexis on XXXX and they signed for the letter on XXXX. I have the actual letter attached to this as proof with no contact from LexisNexis and it has been more than 30 days. The Tax Liens are XXXX and XXXX. I also made contact with Oklahoma XXXX XXXX and they verified that LexisNexis was never given this information by them. As a result of this, LexisNexis reported this information to XXXX and XXXX without the consent of the court.In return, this is inaccurate information and the process thereof.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12 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: GA

Complaint narrative:
Over the past year there have been hard inquiries placed on my report that I did not authorize. After reaching out to the credit organizations they still have not fixed the problem nor deleted the requested information after several attempts.

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 2017-11-12 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Over the past year there have been hard inquiries placed on my report that I did not authorize. After reaching out to the credit organizations they still have not fixed the problem nor deleted the requested information after several attempts.

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 2017-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I have paid my debt and want it off my credit report. It happened many years ago.

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 2017-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
XXXX XXXX has repeatedly sent me a collections bill for a XXXX account that I have no knowledge of. On the bill itself the identified person is XXXX XXXX XXXX .. That is not my name. I tried to dispute this with them by sending tax documents and even a copy of my social that shows that my correct name. I 've called several times and made several attempts to resolve this matter and delete this collection account on my report since it 's not only hurting my credit but it 's FALSE information. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Debt was paid and still on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12 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: PA

Complaint narrative:
XXXX XXXX XXXX/XXXX/1997. I have tried my hardest to dispute this with experian which I have received no help from them. This is an loan that was taking out under my name and social when I was just XXXX years old. I also sent them proof of my identity and its still on my credit stating that it was proven accurate which isnt true because I was 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 2017-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
Today at about at XXXX/XXXX/2017 at XXXX XXXX while looking at my transactions within my PayPal account a negative balanced of XXXX dollars and XXXX cents appeared after a refresh of the page that has no details associated with it. When I clicked on the details button regarding that mysterious negative balance of XXXX dollars and XXXX cents it takes me to a page to add money to cover the balance without any details explaining its appearance. I suspect fraud and negligence by the company. I contacted the company immediately for some clarity on the matter and waiting for there response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12 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: TX

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XXXX 2016 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found some late payments on the dates below : 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get 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 monetary relief
Consumer complaint received 2017-11-12 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: TX

Complaint narrative:
I sent XXXX a letter of dispute regarding XXXX public records XXXX XXXX XXXX XXXX. Transunion and XXXX both reported that this information was furnished to them by XXXX, which is a third party vendor. I advised Transunion and XXXX that this is a direct violation of the Fair Credit Reporting Act. I sent a certified letter of dispute to XXXX on XXXX and they signed for the letter on XXXX. I have the actual letter attached to this as proof with no contact from XXXX and it has been more than 30 days. The Tax Liens are {$990.00} and {$1000.00}. I also made contact with Oklahoma XXXX XXXX and they verified that XXXX was never given this information by them. As a result of this, XXXX reported this information to Transunion and XXXX without the consent of the court.In return, this is inaccurate information and the process thereof.

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 2017-11-12 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: TX

Complaint narrative:
I sent XXXX a letter of dispute regarding XXXX public records XXXX XXXX XXXX XXXX. XXXX  and Equifax both reported that this information was furnished to them by XXXX, which is a third party vendor. I advised XXXX and Equifax that this is a direct violation of the Fair Credit Reporting Act. I sent a certified letter of dispute to XXXX on XXXX and they signed for the letter on XXXX. I have the actual letter attached to this as proof with no contact from XXXX and it has been more than 30 days. The Tax Liens are {$990.00} and {$1000.00}. I also made contact with Oklahoma XXXX XXXX and they verified that XXXX was never given this information by them. As a result of this, XXXX reported this information to XXXX and Equifax without the consent of the court.In return, this is inaccurate information and the process thereof.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12 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: AZ

Complaint narrative:
It has come to my attention that a debt that I do not owe is listed by a vendor who is not a subscriber to Equifax and the information being reported is an error. The inaccurate and unfair reporting is being done under the account # XXXX. XXXX and XXXX  have both removed this inaccuracy by Equifax continues to report erroneous information on my credit report by a non-subscriber who has not provided substantive data to back this misreporting. Immediately remove this item or provide a copy of the information that is being furnished to create this unfair and harmful error.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Despite my repeated attempts to resolve this problem, and despite XXXX in a secure message referring me to an email address called XXXX, XXXX continues to engage in this online blackmail with me. The problem remains the same - at some point in time after I log into my XXXX account, a window appears that freezes my online account capabilities, and gives me XXXX of XXXX choices : XXXX click on a button to confirm that my income is XXXX. Or click on a button to make corrections. After this window appears, I am no longer able to navigate to any other page. And I am no longer able to log out of my account. 

I have attached all my secure messages to XXXX regarding this matter. 
I have also attached emails I sent to the trteam. The trteam has yet to provide a human response to my emails. 

How many XXXX case ID numbers does it take to resolve this? The fact is, XXXX XXXX department created and continues this problem. And XXXX XXXX department has the capability to remove this problem. Assigning case ID numbers does not remove the problem. XXXX XXXX department intervening and removing what they put there in the first place will resolve this problem. Why their XXXX department will not do this I dont know. Only XXXX knows. And theyre not telling.

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 2017-11-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: OK

Complaint narrative:
They ca n't prove I ever took out XXXX student loans in XX/XX/XXXX to XX/XX/XXXX and refuse to provide original copies ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12 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: Clarity Services
State: IN

Complaint narrative:
XXXX BANK WAS SEND CHAPTER XXXX BANKRUPTCY INFO. AND NOW MUST CANCEL DEBT AND REMOVE ALL NEGATIVE CREDIT REPORTING TO CLARITY, XXXX, XXXX ETC.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12 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: Fidelity National Information Services, Inc. (FNIS)
State: IN

Complaint narrative:
XXXX XXXX WAS SEND CHAPTER XXXX BANKRUPTCY INFO. AND NOW MUST CANCEL DEBT AND REMOVE ALL NEGATIVE CREDIT REPORTING TO XXXX CHEXSYSYTEMS, XXXX ETC.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12 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: First Data Corporation
State: IN

Complaint narrative:
XXXX XXXX WAS SEND CHAPTER XXXX BANKRUPTCY INFO. AND NOW MUST CANCEL DEBT AND REMOVE ALL NEGATIVE CREDIT REPORTING TO XXXX, XXXX, XXXX ETC.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12 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:
Un reporting school loans and loans n names and home addresses that do n't belong to me that 's showing up on my credit report that i did that do myself or approve of being done. I believe someone else is using my name and social security number misspelling my name and birthdate at different states and addresses and has been using it to get all lunes of loans and other this in my name. I believe they been doing it for years and im just now noticing all the different loans and debit that has been done on my credit reports.

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