vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-17 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: AR

Complaint narrative:
This is the second time my identity has been compromised. I don't understand why this continues to happen to me. Please remove these fraudulent unknown accounts from my report as soon as possible. 

XXXX XXXX XXXX XXXX {$25000.00} DEPTEDXXXX XXXX {$5900.00} DEPTEDXXXX XXXX {$12000.00} US DEP ED XXXX {$18000.00} XXXX XXXX XXXX {$3900.00} XXXX/XXXX XXXX {$8200.00} XXXX  XXXX {$3500.00} XXXX  XXXX {$2600.00} XXXX  XXXX {$3500.00} XXXX  XXXX {$5100.00} XXXX  XXXX {$6000.00} XXXX  XXXX {$1400.00} XXXX XXXX {$5000.00} XXXX XXXX {$5500.00} XXXX, XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX {$44000.00} DEPTEDXXXX   XXXX {$2000.00} XXXX  XXXX {$2000.00} XXXX  XXXX {$8500.00} XXXX   XXXX XXXX {$4200.00} XXXX XXXX  XXXX {$4900.00} XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX {$16000.00} XXXX XXXX {$3800.00} US DEP ED XXXX {$15000.00} US DEP ED XXXX {$7700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Accelerated Receivables Solutions
State: WY

Complaint narrative:
Accelerated Receivable Solutions had me served on XX/XX/2020 for debt that had been paid in full on XX/XX/2020. When I called concerning the summons they assured me without proof that they had corrected the issue and that I would be receiving notification that the court summons had been reversed. I have never received that correction and I am still on the Docket with the XXXX County Court for debt already paid in full. Today when I called the agency, contrary to collection laws, they failed to identify themselves on the phone, failed to identify who they were, asked questions concerning the issue prior to announcing that they would be recording the phone call or that it was an attempt to collect a debt. Then after assuring me over the last several phone calls that all debt had been satisfied, suddenly had hold debt that I had never been notified about in writing in their office and demanded payment. They have to be prompted numerous times to send receipts for proof of payment, and they refuse to send proof of debt when it is requested. Collection laws clearly state they must identify themselves at the beginning of the phone call with first and last name and what the organization is, that it is an attempt to collect a debt and that they are recording you, and this can not wait until after they have talked and badgered you for 10 minutes. Additionally ARS is charging a 30 % processing fee ( XXXX  dollars to even take payment on a debt they never notified me in writing upon receipt in their office ). And they stated on the phone that they had the debt in their office for a couple weeks, which meant they were sitting on the debt contrary to collection laws to accrue additional interest before notification. However I have never received notification from this company for any debt, instead I find it on my credit report and have to investigate and locate them. This is also a violation of the credit collection laws in that they are making no attempt to notify the person responsible for the debt that they have acquired it. XXXX  XXXX  XXXX, and XXXX XXXX have stated through their financial officer that they immediate send the debt to the credit company on the day that they bill the consumer, and in many instances its a fight to get one or the other company to recognize that bills have been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 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: MS

Complaint narrative:
Equifax Information Services LLC XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX  XXXX XXXX US DEPT ED XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX  XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX US DEPT ED XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 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: FL

Complaint narrative:
Dear Experian, XX/XX/2020 After looking at my credit report, I noticed errors with my personal information. Listed below are the problems with my personal data : 1. XXXX XXXX XXXX Please delete it 2. XXXX XXXX XXXX XXXX, FL XXXX Please delete it I know that you want proof of my personal information that is listed above, so I decided to include this information in the letter to make it easy for you to delete the inaccurate personal information. Please go ahead and fix this inaccurate information and get back with me as soon as possible. 30 days should be enough time to fix this problem. If you can update me sooner that would be better. 

Sincerely, 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 2020-03-17 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: AR

Complaint narrative:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts that have been or are open. Please remove these accounts from my report as soon as possible. They do not belong to me. 

XXXX XXXX XXXX XXXX {$550.00} XXXX/DEPT OF ED XXXX {$3500.00} XXXX XXXX {$470.00} XXXX XXXX {$500.00} XXXX XXXX {$570.00} XXXX XXXX {$420.00} XXXX XXXX XXXX {$500.00} XXXX XXXX  XXXX {$570.00} XXXX  XXXX {$250.00} XXXX  XXXX {$520.00} XXXX XXXX   XXXX {$3700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONGRESS COLLECTION CORP
State: MI

Complaint narrative:
Include dates : XX/XX/2020 Amounts : {$250.00} Actions that were taken by you or the company : I sent a letter of inquiry to prove that the debt owed by me but the company ( CONGRESS COLLECTION ) did not prove otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 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: MUFG AMERICAS HOLDINGS CORPORATION
State: CA

Complaint narrative:
XX/XX/2012, while I was XXXX to XXXX I attempted to close a joint account at Union Bank of California, I paid what I owed and had a XXXX balance, I called to cancel my account and the bank told me I had to walk in to their bank and close, I told them I was unable to and they told me I would incur a XXXX dollar charge a month to keep the account open, I told them I refuse to pay and to close the account and they told me no, 6 months pass they finally close the account and charged me XXXX dollars to keep the account open for that period, they harassed me by phone and sent delinquent letters finally selling my account to a credit collector who harassed me some more, this company has refreshed my file just recently and now 8 years later union bank is reporting me as still delinquent and the account as current charge off ... .seriously is this legal?

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 2020-03-17 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: GA

Complaint narrative:
Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX . 
XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX . 
XXXX XXXX XXXX  XXXX  XXXX XXXX. XXXX  XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 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: IL

Complaint narrative:
Equifax has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXX duplicate data COLLECTIONS XXXX  XXXX XXXX XXXX XXXX duplicate data INQUIRIES XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX  XXXX   XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX   XXXX  XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXX  XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized PUBLIC FILINGS US DIST CT XXXX not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I Planned to rent a 1 bedroom in my house and placed an ad in XXXX I got response from the ad and one lady XXXX XXXX XXXX said she is interested in taking the room but she never spoke to me over the phone saying that she is XXXX  all the communications were through email & phone number. 
XXXX XXXX XXXX She said currently she is living in XXXX XXXX , as she got a job in XXXX   she is moving to XXXX  so her company is paying her relocation charges she is gon na send me a check where I can take the rent & rest I can transfer to her account. 
I received a check on my Husband 's name XXXX XXXX XXXX XXXX, for the amount of {$7800.00} he went to Bank of America to cash the check they gave the cash instantly but bank of America banker has not informed us it's a big amount check if there is anything wrong with the check they are gon na take the money from our savings account, check got returned on XX/XX/2020 Bank of America has taken the amount {$7800.00} from my savings account which I have saved for my bad time, With the current scenario going on I would like fraud department to elp me out in this regard to get my money back I have a XXXX years old kid at home with this COVID -19 I'm not sure how I'm going to survive in this scenario I have my house mortgage, I have my car loan I have my car insurance.

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 2020-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
Starting back at the middle of XXXX I missed my payment with TD Bank due to medical reasons. I kept receiving phone calls from XXXX. When I spoke to the person who answered the phone I did explain to them it was going to be late. I asked if they could please stop calling because even after speaking to someone I still get 3+ calls in the same day. I was told no, as long as I am a month behind and in " their collections '' I will continue to receive phone calls everyday. 

I did tell them I would be making a payment when I could and that at the moment due to XXXX  and other medical obligations that I was not able to do so. Moments ago I received another phone call again. The representative I spoke to said there are no notes in my account and that they have never spoken to me. My phone bill shows a different completely story, and I told them to pull all the calls and listen. She said they don't do that. Harassment from a bank right now is adding massive stress to me and something I don't want to be pestered about multiple times a day. 

I have asked for supervisors or managers and I am always told there are no management types in the building. Last night on the way home from XXXX, I received a phone call at XXXX from them. When I told them I would be filing complaints nobody seems to care.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On the date listed below, I submitted the following statement in the form of a letter listed below and Experian failed to Verify-in 30 days the inaccurate information on my credit report. My life has Ben Ruined for years because of this incorrect information cant get a job or receive funding for a business start-up. NO VERIFIABLE PROOF WAS SHOWN XX/XX/2020 Experian Consumer Dispute Center According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or 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 2020-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: NY

Complaint narrative:
I AM CURRENTLY DISPUTING IC SYSTEMS INC IN THE AMOUNT OF {$850.00}, AND ALSO XXXX XXXX XXXX IN THE AMOUNT OF {$980.00}. I SUBMITTED ALL THE CORRECT DOCUMENTS TO SHOW THAT THESES ACCOUNT DON'T BELONG TO ME BUT THEY KEEP REPORTING THESE ACCOUNTS WHICH ISN'T FAIR 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 2020-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
My vehicle was in a total loss accident XX/XX/XXXX, I was not at fault of the accident so I filed a claim with the other party 's insurance. On XX/XX/XXXX XXXX XXXX sent the total loss check to my lienholder Mazda Capital Services ( Chase Bank ) it was delivered and signed for XX/XX/XXXX for the amount of {$13000.00}. I have been repeatedly told that it would take 7-10 business days for the check to post to my account, as of XX/XX/XXXX it still has not been cashed @ 14 business days. The representative keep acting like they never received the check and I have to inform them I have tje confirmation of delivery for them to see the check was received. On XX/XX/XXXX I sent a payment of {$250.00} towards the XXXX payment, they reversed it on XXXX and I still have not received it as of XX/XX/XXXX. Please help me I can not proceed with my GAP insurance claim until Chase cashes the insurance payment. I fear that they will do this same thing when the refund from my warranties are sent to them

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-17 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: AR

Complaint narrative:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts that have been or are open. Please remove these accounts from my report as soon as possible. They do not belong to me. 

XXXX XXXX XXXX XXXX {$550.00} XXXX/DEPT OF ED XXXX {$3500.00} XXXX XXXX {$470.00} XXXX  XXXX {$500.00} XXXX  XXXX {$570.00} XXXX XXXX {$420.00} XXXX XXXX XXXX {$500.00} XXXX XXXX  XXXX {$570.00} XXXX  XXXX {$250.00} XXXX  XXXX {$520.00} XXXX XXXX   XXXX {$3700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation