vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-05 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:
I recently submitted a letter to the credit bureaus regarding some inquiries on my credit report that I did not request. They failed to contact me or do an investigation regarding the inquires. I asked them to remove the inquiries due to fraud and they failed to follow back up. Inquiries that I am speaking of are as follows : XXXX XXXX XXXX  : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX  : Inquiry from XX/XX/XXXX XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX  XXXX : Inquiry from XX/XX/XXXX XXXX XXXX  : Inquiry from XX/XX/XXXX XXXX XXXX  : Inquiry from XX/XX/XXXX XXXX XXXX  : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX  : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX  : Inquiry from XX/XX/XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX  XXXX : Inquiry from XX/XX/XXXX XXXX  XXXX : Inquiry from XX/XX/XXXX XXXX  : Inquiry from XX/XX/XXXX XXXX  : Inquiry from XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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: MO

Complaint narrative:
I recently submitted a letter to the credit bureaus regarding some inquiries on my credit report that I did not request. They failed to contact me or do an investigation regarding the inquires. I asked them to remove the inquiries due to fraud and they failed to follow back up. Inquiries that I am speaking of are as follows : XXXX XXXX XXXX  : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX  : Inquiry from XX/XX/XXXX XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX  XXXX : Inquiry from XX/XX/XXXX XXXX XXXX  : Inquiry from XX/XX/XXXX XXXX XXXX  : Inquiry from XX/XX/XXXX XXXX XXXX  : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX  : Inquiry from XX/XX/XXXXXXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX   : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX  : Inquiry from XX/XX/XXXX XXXX : Inquiry from XX/XX/XXXX XXXX  XXXX : Inquiry from XX/XX/XXXX XXXX  XXXX : Inquiry from XX/XX/XXXX XXXX  XXXX : Inquiry from XX/XX/XXXX XXXX  : Inquiry from XX/XX/XXXXXXXX  : Inquiry from XX/XX/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 2019-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA

Complaint narrative:
I was notified by letter that my checking and credit cards would be closed. I called to find out why and I was told I did not respond to a federal regulation asking for demographic questions such as marital status, etc. However, I told the USAA agent that I did complete this and every member on my account completed this. I was flabbergasted that after 15 years my accounts would be closed. The Agent checked and she said that two of the three completed the requested but my brother did not. However, I personally completed the questionnaire with my brother in person. I know he completed this 100 %. I am not sure if there was an electronic glitch or an issue with USAA 's app. I was also told I could not open any future accounts with USAA. I asked to speak to a supervisor and the she could not do anything at all. Worse, I asked to speak to a higher level person and I have yet to have received a call in the last two weeks. I am a service member in the XXXX XXXX and I don't understand why I am being treated this way. This seems to be an honest mistake somewhere and I just want to be able to open a USAA account again. This only seems fair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MA

Complaint narrative:
My home loan was sold from XXXX XXXX XXXX and transferred to Rushmore Loan Management as of XX/XX/XXXX. I was previously charged for home owners insurance from XXXX {$3600.00} and I had to file a complaint with the Attorney General Office of MA to receive a refund from XXXX before my home loan was transferred. I received a letter from Rushmore and spoke to them over the phone that I have already purchased coverage. They asked for me or my agent to send a copy. XXXX XXXX XXXX called Rushmore and sent a copy of my home owner insurance on XX/XX/XXXX to show proof there was coverage for my house. In XX/XX/XXXX I was charged {$3600.00} for insurance again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AFNI INC.
State: AR

Complaint narrative:
I went into XXXX XXXX XXXX XXXX to purchase an XXXX watch but change my mind about the watch. Ever since that day I have received a bill from XXXX XXXX XXXX although I never established service. I called XXXX XXXX XXXX last year and they told me they never seen any activity on the phone number that was assigned to this bill and they told me they removed the charges. I recently tried to get a phone service with XXXX XXXX XXXX and they claim that I owe a bill for this service that I never had. This is fraudulent billing and I do not owe XXXX XXXX XXXX  because I've never had service with them. Also they have turned this bill over to AFNI collection service for {$150.00}. Please remove this bill as I have never had service with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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: LA

Complaint narrative:
HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

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 2019-11-05 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: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
On XX/XX/XXXX, there was a summons placed under my door. It turns out that this summons was from Midland Funding, LLC, and was done with improper service since no one gave the summons to me or a resident of the apartment I reside. Nevertheless, since receiving this summons, I have looked into my credit report and noticed some discrepancies regarding Midland Funding, LLC, on my XX/XX/XXXX, and XX/XX/XXXX credit reports. For example, although it says in my summons that Midland Funding, LLC has acquired my debt from XXXX XXXX XX/XX/XXXX, the amount that Midland Funding, LLC is trying to collect does not match the amount allegedly owed to XXXX XXXXXXXX XX/XX/XXXX( see XXXXXX/XX/XXXXsold-to-midland-funding.pdf ). Basically, according to my XXXX credit report, XXXX XXXX XX/XX/XXXX allegedly claims that I owe {$XX/XX/XXXX} ( although this is disputable since my credit limit was {$XX/XX/XXXX} ). However, according to Midland Funding, the amount allegedly owed is {$XX/XX/XXXX}. 

Furthermore, XXXX XXXX XXXX lists my original account number as XXXX. Yet, Midland Funding has my account number as XXXX. Therefore, it appears as Midland Funding, LLC is attempting to collect a non-validated debt through a fictitious account number that never existed in the past. Furthermore, since learning of this, I have since opened a credit dispute with XX/XX/XXXX and XX/XX/XXXXXXXX regarding Midland Funding, LLC 's claim. Concerning XXXX, Midland Funding 's record was deleted, and my credit score immediately increased by 10 points ( see Direct Dispute _ XXXX XXXX ). However, the dispute decision from XXXX can take until XX/XX/XXXX ( see Dispute Summary - Online Dispute ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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: LA

Complaint narrative:
HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

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 2019-11-05 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: LA

Complaint narrative:
HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have had this account for several and was in good standings with a credit limit of {$4000.00}. Approximately 3 years ago I did experience some financial issues and a few of my payments were returned by my bank for insufficient funds. Upon notification from my creditor, I immediately made restitution and correct the payment error in a timely manor. Shortly afterwards the bank made the decision to close the account. Although the account was closed, i continued to make my payments in a timely manner and paid more than the minimum due.The creditor switched banks and I was given a new credit card to use and the card was closed shortly after wards staying it was sent in error due to deragitory information received from the former bank. Tried calling both companies to determine the information reported and kept being told that I need to call the other company as the new company did not have any history on the account. When I call the former company, they too refer me back to the new company. However, I tried to make my monthly payment as my due date with the former company was XXXX of each month. Their online system shows I have a XXXX balance and said no payment due, I do know I owe at least {$2500.00} and I am at a loss as to how to continue to make the regular payment.`The company is Walmart and is now merged with Cpital One

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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: TX

Complaint narrative:
I have contacted this credit bureau on countless occasions this year regarding a XXXX XXXX account that does not belong to me. I have requested they block and delete the information from my report according to the FCRA 605B ( 15 U.S.C. & 1681 C-2 ) which states that these accounts must be removed within 4 Business Days of receipt. The credit bureau has yet to verify the account and have yet to remove it from my credit profile despite my several disputes, that included proper identity verification, and a formal complaint I filed with Federal Trade commission.

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 2019-11-05 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
On XXXX XX/XX/2019 I called Experian to request and paid with my credit card for my 2019 Credit Score. The cost was {$7.00}. I was informed that I would receive my score with-in 5-7 business days. As of this date, XXXX XX/XX/2019, I have not received my score I have written Experian three times without no response from them. I attempted to call Experian but the telephone menu will not allow you to speak with a live person. I have a copy of my credit card statement reflecting the charge of {$7.00} but no credit score from Experian Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Home : XXXX Email : 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 2019-11-05 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: CORELOGIC INC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX S.S XXXX DOB XXXX This is the 4th time I have complain over the same issues. There are tons of inaccurate information on my credit report! My name is XXXX XXXX XXXX I would like the other spellings of my name removed. I have issues with miscellaneous unknown addresses on my file I never lived at please delete remove the following addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX XXXX XXXX XXXX, XXXX GA XXXX XXXX XXXX XXXX   XXXX, GA XXXX XXXX XXXX XXXX   XXXX  XXXX, XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX ALL OF THE ABOVE MENTIONED ADDRESSES ARE NOT MINE! It is possible a family member or work address but none of them belong to me never lived at these addresses.

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 2019-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Central Portfolio Control Inc.
State: MA

Complaint narrative:
She called asking my name when she was the one calling me and telling I'm on a recorded line and asking me my phone number and address to calm for a old debt which I no longer owe. And treating me to sue me and send the police to my house and insulting me. 

Continuing to harras me and none stop calls to my number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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: Innovis
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX S.S XXXX DOB XXXX This is the 4th time I have complain over the same issues. There are tons of inaccurate information on my credit report! My name is XXXX XXXX XXXX I would like the other spellings of my name removed. I have issues with miscellaneous unknown addresses on my file I never lived at please delete remove the following addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX XXXX XXXX XXXX, XXXX GA XXXX XXXX XXXX XXXX   XXXX, GA XXXX XXXX XXXX XXXX   XXXX  XXXX, XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX ALL OF THE ABOVE MENTIONED ADDRESSES ARE NOT MINE! It is possible a family member or work address but none of them belong to me never lived at these addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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: LEXISNEXIS
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX S.S XXXX DOB XXXX This is the 4th time I have complain over the same issues. There are tons of inaccurate information on my credit report! My name is XXXX XXXX XXXX I would like the other spellings of my name removed. I have issues with miscellaneous unknown addresses on my file I never lived at please delete remove the following addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX XXXX XXXX XXXX, XXXX GA XXXX XXXX XXXX XXXX   XXXX, GA XXXX XXXX XXXX XXXX   XXXX  XXXX, XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX ALL OF THE ABOVE MENTIONED ADDRESSES ARE NOT MINE! It is possible a family member or work address but none of them belong to me never lived at these addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX S.S XXXX DOB XXXX This is the 4th time I have complain over the same issues. There are tons of inaccurate information on my credit report! My name is XXXX XXXX XXXX I would like the other spellings of my name removed. I have issues with miscellaneous unknown addresses on my file I never lived at please delete remove the following addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX XXXX XXXX XXXX , XXXX GA XXXX XXXX XXXX XXXX   XXXX , GA XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX , GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX XXXX XXXX XXXX , GA XXXX ALL OF THE ABOVE MENTIONED ADDRESSES ARE NOT MINE! It is possible a family member or work address but none of them belong to me never lived at these addresses.

Company response to consumer: Closed with explanation