vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-21 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: OH

Complaint narrative:
My name is XXXX XXXX XXXX my SS XXXX DOB is XXXX. I live at XXXX XXXX XXXX XXXX, XXXX XXXX. please remove any other spelling of my name. I have some addresses that are not mines possibly fraudulent I have a exboyfriend I believe has been using my name to order accounts for shopping. I never lived in XXXX XXXX in my life please remove the following addresses. My Name should appear as XXXX XXXX XXXXI am requesting that the credit reporting agencies promptly remove/delete these addresses they are not accurate : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX   XXXX The follow number are not accurate please delete/remove they are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 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: TX

Complaint narrative:
I am puzzled why these accounts show up on my credit report out of nowhere.. IT must be that someone use my identity.. The accounts were fraudulently opened in my name..I did not make the charges ..I am requesting that the items be blocked to correct my credit report.. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 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: OH

Complaint narrative:
XXXX  Transunion and XXXX  are reporting accounts that are fraudulent and inaccurate. 

***Summit Financial- Filed chapter XXXX bankruptcy Cant Validate loan. Told from Summit XXXX XXXX XXXX has debt XXXX XXXX stated to cfpb they dont have an account with my name ( How can you verify an account that doesnt exist ) *Credit collection- recalled debt *XXXX- recalled debt *XXXX XXXX-/XXXX- recalles debt *XXXX XXXX- couldnt validate debt or payment history. 

*Exeter XXXX- reporting inaccurate payment history and cant validate debt. 

*XXXX/XXXX- cant validate debt How are you verifying debt? 
Need proof.

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 2019-06-21 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: OH

Complaint narrative:
XXXX XXXX and Experian are reporting accounts that are fraudulent and inaccurate. 

***XXXX XXXX- Filed chapter XXXX bankruptcy XXXX XXXX loan. Told from XXXX   XXXX XXXX XXXX has debt XXXX XXXX stated to cfpb they dont have an account with my name ( How can you verify an account that doesnt exist ) *Credit collection- recalled debt XXXX recalled debt XXXX XXXX   recalles debt XXXX XXXX couldnt validate debt or payment history. 

XXXX XXXX reporting inaccurate payment history and cant validate debt. 

XXXX- cant validate debt How are you verifying debt? 
Need proof.

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 2019-06-21 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: TX

Complaint narrative:
I communicated with my lender and discussed about how i can make my payments without getting higher interest rates. Please verify and delete this student loan.. ITs a misunderstanding, not paid late..Fix it US DEPT OF ED/XXXX XXXXXXXX

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 2019-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: KBHS Home Loans, LLC
State: CA

Complaint narrative:
On XX/XX/2019 I reached out to my loan officer to discuss the loan product I was given. I had a problem with the interest rate and APR. I felt that based on my credit profile, I should have been given a better rate. I was advised to submit a competitors offer to match. I did submit a second offer, however I still was not being treated fairly. On XX/XX/XXXX I reached out to the office manager to reach a resolution. I was told that my competitive offer would be considered and that changes would be made to my loan product in order to keep my business. Minor changes were made on XX/XX/XXXX, however I am still unsatisfied with the loan product I was given because unfair lending practices are still being used in order to manipulate me. On XX/XX/XXXX my loan officer called me and told me that I can go with another lender or take the unfair terms of the financial product that is already in place. At this point I am less than a week away from my closing date and I do not have sufficient time to find another lender. If I do not stick with this unfair loan product that was comprised using to predatory I will loose my deposit money and the home that I am trying to purchase.

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 2019-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
this account has the wrong open date Account Name XXXX XXXX XXXX   Account Number XXXX and this account was improperly raged Account Name XXXX XXXX XXXX Account Number XXXX the following account has an improper open date and was also raged Account Name XXXX  XXXX XXXX Account Number XXXX the payment history on this account is not accurate Account Name XXXX XXXX XXXX Account Number 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 2019-06-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Credit inquiries on my report that i don't recognize or I never authorized.

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 2019-06-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Credit inquiries on my report that i don't recognize or I never authorized.

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 2019-06-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Credit inquiries on my report that i don't recognize or I never authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
On XX/XX/XXXX upon doing an online security check, I found a case opened against me by Midland Funding Company, LLC within the XXXX XXXX County, FL jurisdiction. I was not made aware of any debt held against me or properly contacted. XX/XX/XXXX I reached out to Midland to find out who they were, why wasn't I contacted and what was this in regards to? Representative, Ms. XXXX XXXX switched me to the legal department for where this case was escalated to without my knowledge. I spoke with a Mr. XXXX XXXX from their legal department. After I was able to get clarification on the debt in question, I advised that in XXXX, Midland was given permission to to withdraw via ACH  $ XXXX monthly from my account. He told me that I NEVER made a payment. I let him know that the accusation was false and for him to double-check. That is when he was able to verify that the bill was once {$1800.00} and had been paid down to {$1500.00}. However, he couldn't tell me why they stopped drafting payments. I told him that I never authorized them to stop. The agreement was to pay $ XXXX   monthly and it wouldn't be posted on my credit report. In which for quit sometime, back then it was not. They ( Midland ) claimed that I stopped making payments which isn't true. I wasn't paying them manually, they were withdrawing automatically, per my consent. I asked, Mr. XXXX to send me documentation stating that I cancelled any reoccurring payments which would have voided the verbal contractual agreement and also that it wasn't on my part of any mishaps that may have happened within their company. According to the docs provided to the courts they claimed they properly notified me and they did NOT which is also another false claim. When I asked Mr. XXXX for documentation, they wanted me to pay them instead of providing me with proof. I told him in order for me to cooperate, I needed everything in writing for my records ; since, they lied several years ago and now put me in a position that can cost me do to their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
There's an account ( Capital One ) limit XXXX on credit report inwhich I'm an authorized user but I have no idea who or why I'm added on there, please remove this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-21 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I disputed the account but they changed the account to dispute without first delivering the results to me. is very bias as I do not know if they ever investigated these accounts. 
XXXX XXXX XXXX XXXX XX/XX/2013 XXXX XXXX XXXX XXXX XX/XX/2013 XXXX XXXX XX/XX/2013

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 2019-06-21 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: MO

Complaint narrative:
There's an account ( XXXX XXXX ) limit XXXX on credit report inwhich I'm an authorized user but I have no idea who or why I'm added on there, please remove this account from my credit report.

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 2019-06-21 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: MO

Complaint narrative:
There's an account ( XXXX XXXX ) limit XXXX on credit report inwhich I'm an authorized user but I have no idea who or why I'm added on there, please remove this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-21 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: HI

Complaint narrative:
I am puzzled why these accounts show up on my credit report out of nowhere.. IT must be that someone use my identity.. The accounts were fraudulently opened in my name..I did not make the charges ..I am requesting that the items be blocked to correct my credit report.. XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX ,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC
State: IL

Complaint narrative:
This company Ability recovery service continues to report false information on my credit report about me! I have no knowledge of the account or the amount they say I have to pay! Youre violating ( FCRA ) by reporting false information about me on my credit report and continue to do so on a weekly bases. I have no account thats open with them nor do I know where the account came from! I will file a civil lawsuit next!

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 2019-06-21 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: CA

Complaint narrative:
FOR MONTHS I HAVE BEEN ASKING EQUIFAX TO REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. I HAVE BEEN SENDING THEM MY IDENTITY THEFT REPORT AND I HAVE BEEN CALLING AND REQUESTING FOR THEM TO REMOVE THE FRAUDULENT ACCOUNT. THE SAME ACCOUNT WAS REMOVED FROM XXXX XXXX BUT EQUIFAX IS NOT REMOVING THE FRAUDULENT ACCOUNT. ITS HARD ENOUGH TO BE A VICTIM OF AN IDENTITY THEFT AND TO DEAL WITH EQUIFAX IS 100 TIMES WORSE, BECAUSE IT TAKES FOREVER TO HOLD OF ANYBODY WHO SPEAKS PROPER ENGLISH AND I FEEL LIKE THEY ARE NOT UNDERSTANDING THE CONCEPT OF THE IDENTITY THEFT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 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: HI

Complaint narrative:
I am puzzled why these accounts show up on my credit report out of nowhere.. IT must be that someone use my identity.. The accounts were fraudulently opened in my name..I did not make the charges ..I am requesting that the items be blocked to correct my credit report..XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Google Compare Credit Cards Inc.
State: CO

Complaint narrative:
well hello I would like to give you guys a thanks too for hearing my situation I've never asked for any type of help or known help and now that everything 's going it's going crazy and I'm not going to be doing no federal prison time I know how it is with that if you get loans or any kind of help you know I'm not signing nothing I haven't received nothing yes they're using my account because they're looking at my XXXX 's and that's how they're stealing right information so I would like to figure out how to stop all that now thank

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 2019-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
First, I am a victim of identity theft. On XX/XX/XXXX I sent a notarized personal statement to Transunion listing all of the fraudulent accounts, inquiries, phone numbers, addresses and employers. On the same date I also sent 2 FTC identity theft reports, a police report and a color photo of my driver 's license ( for proof of my identity ). As of today XX/XX/XXXX I have not received a Transunion credit file. This credit file still shows 2 fraudulent address ( # 1- XXXX XXXX XXXX in XXXX , Tx XXXX, # 2- XXXX XXXX XXXX XXXX XXXX in XXXX, Tx XXXX ), 5 fraudulent accounts ( # 1 XXXX XXXX  # XXXX, # 2 XXXX XXXX  XXXX XXXX , # 3 XXXX XXXX XXXX , # 4 XXXX XXXX XXXX , # 5  XXXX XXXX XXXX and 2 fraudulent inquiries ( XXXX XXXX XXXX on  XX/XX/XXXX and # 2- XXXX on XX/XX/XXXX ) and 2 fraudulent employers ( # 1 XXXX XXXX and # 2 XXXX ). Section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days ( today is XX/XX/XXXX ) which means Transunion is in violation of the Fair Credit Reporting Act.

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 2019-06-21 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: HI

Complaint narrative:
I am puzzled why these accounts show up on my credit report out of nowhere.. IT must be that someone use my identity.. The accounts were fraudulently opened in my name..I did not make the charges ..I am requesting that the items be blocked to correct my credit report..XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 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: HI

Complaint narrative:
I am puzzled why these accounts show up on my credit report out of nowhere.. IT must be that someone use my identity.. The accounts were fraudulently opened in my name..I did not make the charges ..I am requesting that the items be blocked to correct my credit report. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX   XXXX XXXX ) XXXX,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 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: HI

Complaint narrative:
I am puzzled why these accounts show up on my credit report out of nowhere.. IT must be that someone use my identity.. The accounts were fraudulently opened in my name..I did not make the charges .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.

U S DEPT OF EDXXXX XXXX, XXXX XXXX, U S DEPT OF ED/XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

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