vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-26 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: CITIBANK, N.A.
State: MA

Complaint narrative:
In my first complaint I asked citi bank to delete an inquiry that its on my credit report placed by them, they replied by telling me that they werent going to delete the inquiry because my information matches with what they have. I told them that I never allowed citi bank to do a hard pull on my credit report and that I need them to provide me with the permisible purpose, I want citi bank to prove to me that I initiated this application like they are claiming because they do not have my authorization to do so, citi bank doesnt have permisible purpose and according to what the law says and what the FCRA says permisible purpose is required. Citi bank and any other bank have to go by what the FCRA says, they told me on their correspondence that they feel that the application was initiated by me, I want citi bank to prove to me that it was me and not someone else, I will file complaints on every single place that I can if this inquiry is not deleted because this is erroneous reporting and I am 100 % certain that I never initiated an application with citi bank. This is not like what citi bank says, this goes the way that the FCRA says.

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 2019-07-26 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:
The credit bureaus put stuff on my credit report without even warning me about it. I never received any correspondence from them.. These accounts were fraudulently opened in my name. I am a victim of identity theft and did not make the charges..I am requesting that the items be blocked to correct my credit report XXXX XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX TX ), XXXX XXXX   XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX , XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX , ( Original Creditor : XXXX XXXX XXXX ) XXXX, ( Original Creditor : XXXX XXXX XXXX ) 3XXXX, XXXX XXXX - only XXXX report this account, XXXX XXXX XXXX - only 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 2019-07-26 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: NV

Complaint narrative:
Remove the following accounts because it did not show the correct payment history on the accounts. Payment history as reported is inconsistent. The accounts were reported as charge off " open '' with balance. How can this account be charged off and it still showing a remaining balance! Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and remove the accounts ASAP XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Credit Services Inc.
State: NY

Complaint narrative:
I received a collections notice from First Credit Services , Inc. of XXXX XXXX XXXX, XXXX, NJ XXXX with phone number of XXXX dated XX/XX/2019. This collections notice listed the Creditor as XXXX XXXX - XXXX XXXX with an amount due of {$130.00}. I called First Credit Services upon receipt of this collections notice and inquired about the debt. The representative who I spoke to was unable to provide information on the claimed debt with the exception of the Creditor 's Name and the amount due. I asked to speak to a supervisor and was unable to because they said the supervisors were busy and it would require a call back. 
On XX/XX/2019, I mailed a letter to First Credit Services , Inc. at the above address, and requested that they itemize the claimed debt. I informed them in this letter that I was disputing the entire amount of the claimed debt and that I had received no bills for this claimed debt. To date, they have not mailed me the requested itemization of the claimed debt. 
On XX/XX/2019, I mailed a Money order for the amount of {$130.00} made out to First Credit Services , Inc. to XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX which is the address listed as the payment address in their collections notice. This money order was mailed certified mail and they received the money order on XX/XX/2019. 
They mailed me a letter dated XX/XX/2019, which stated that the account has been Paid In Full. On XX/XX/2019, I received notification from one of  my bank cards that their was a derogatory item put on my credit report. This item was from First Credit Services and is pertaining to above mentioned claimed debt. To date, First Credit Services has not sent me the requested itemization of the claimed debt by mail as is required by law.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 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: NV

Complaint narrative:
I am not the person responsible for the charges made on the accounts. Transunion put stuff on my credit report without even warning me about it. I never received any correspondence from them.. These accounts were fraudulently opened in my name. I am a victim of identity theft and did not make the charges..I am requesting that the items be blocked to correct my credit report XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX   XXXX  ( Original Creditor : XXXX XXXX  ) XXXX, 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

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 2019-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
XX/XX/2019 {$200.00} for joining chase bank checking and setting up direct deposit. I set up direct deposit. Got my first deposit XX/XX/XXXX. 10 days later I received nothing. I called the bank and they said I needed a coupon code ( I didn't need one because I applied through the link that automatically applies it. ) I showed them the code and than they said I was not eligible because it wasnt soon enough. It cant be over 90 days well I set up mine within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 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: NV

Complaint narrative:
Remove the following accounts because it did not show the correct payment history on the accounts. Payment history as reported is inconsistent. The accounts were reported as charge off " open '' with balance. How can this account be charged off and it still showing a remaining balance! Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and remove the accounts ASAP 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 2019-07-26 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: NV

Complaint narrative:
Remove the following accounts because it did not show the correct payment history on the accounts. Payment history as reported is inconsistent. The accounts were reported as charge off " open '' with balance. How can this account be charged off and it still showing a remaining balance! Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and remove the accounts ASAP XXXX/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 2019-07-26 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: NV

Complaint narrative:
I am not the person responsible for the charges made on the accounts. Experian put stuff on my credit report without even warning me about it. I never received any correspondence from them.. These accounts were fraudulently opened in my name. I am a victim of identity theft and did not make the charges..I am requesting that the items be blocked to correct my credit report XXXX XXXX ( Original Creditor : 01 XXXX XXXX  ) XXXX, XXXX XXXX ( Original Creditor : 08 XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : 08 XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX , XXXX. XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-26 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: NV

Complaint narrative:
The following student loan account is in DEFERMENT STATUS and should not reflect a late payment or negative. This is a violation against the FCRA. Why should they hold it against me? I disputed the accounts with Experian and XXXX for several attempts to no resolution..They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score. CFPB please step up and fix this ASAP please Im looking to purchase a home. 
DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DEPT OF ED/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 2019-07-26 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: NV

Complaint narrative:
The following student loan account is in DEFERMENT STATUS and should not reflect a late payment or negative. This is a violation against the FCRA. Why should they hold it against me? I disputed the accounts with XXXX and Transunion for several attempts to no resolution..They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score. CFPB please step up and fix this ASAP please Im looking to purchase a home. 
DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DEPT OF ED/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 2019-07-26 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: NV

Complaint narrative:
The following multiple entries on student loans do not belong to me.. I am not sure how this information was placed on my credit report but I need it removed immediately. I contacted credit bureaus to investigate and give me evidence of ownership but they are not complying.. I want you to please get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply for ... XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX  XXXX XXXX , DEPT OF ED/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 2019-07-26 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: NV

Complaint narrative:
A deficiency can not be claimed unless all of the required notices were properly and timely given and all of the allowable redemption and cure time limits were adhered to. I asked Experian and XXXX for proof that the repossession of the subject vehicle was legal in accordance with the law. NO such proof was given to me within 15 business days after requesting it and this shall be considered null and void. Kindly comply, step up CFPB and remove 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 2019-07-26 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: NV

Complaint narrative:
A deficiency can not be claimed unless all of the required notices were properly and timely given and all of the allowable redemption and cure time limits were adhered to. I asked XXXX and Transunion for proof that the repossession of the subject vehicle was legal in accordance with the law. NO such proof was given to me within 15 business days after requesting it and this shall be considered null and void. Kindly comply, step up CFPB and remove 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 2019-07-26 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: NV

Complaint narrative:
Remove the accounts which are duplicate entry on my Equifax credit report XXXX XXXX, XXXX XXXX.. If this account is a collection - no late payments and no past due amount, a collection is by default late, by default past due! This is absolutely ridiculous..I want you to please get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply for

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 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: NV

Complaint narrative:
The following student loan account is in DEFERMENT STATUS and should not reflect a late payment or negative. This is a violation against the FCRA. Why should they hold it against me? I disputed the accounts with credit bureaus for several attempts to no resolution..They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score. CFPB please step up and fix this ASAP please Im looking to purchase a home DEPTEDXXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
The following student loan account is in DEFERMENT STATUS and should not reflect a late payment or negative. This is a violation against the FCRA. Why should they hold it against me? I disputed the accounts with credit bureaus for several attempts to no resolution..They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score. CFPB please step up and fix this ASAP please Im looking to purchase a home 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 2019-07-26 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
The following student loan account is in DEFERMENT STATUS and should not reflect a late payment or negative. This is a violation against the FCRA. Why should they hold it against me? I disputed the accounts with credit bureaus for several attempts to no resolution..They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score. CFPB please step up and fix this ASAP please Im looking to purchase a home DEPTEDXXXX   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 2019-07-26 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: FL

Complaint narrative:
Remove the following accounts because it did not show the correct payment history on the accounts. Payment history as reported is inconsistent. The accounts were reported as charge off " open '' with balance. How can this account be charged off and it still showing a remaining balance! Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and remove the accounts ASAP XXXX XXXX XXXX, XXXX XXXX XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC
State: NJ

Complaint narrative:
The original debtor on this medical bill from XX/XX/2013 that has not been validated was originally being collected by XXXX however 6 years later was sold to PHOENIX FINANCIAL SERV that has been submitting the same account from XX/XX/2013 re-aging it on my credit at least 3 times in past month flagging the account as collection account without making correctly reporting the account as an old account but rather making it appear new. XXXX could not collect on this account because they failed to send any information that would validate the debt and has since been disputed and removed from my credit file now it is been sold to a new agency who is abusing my credit and affecting it negatively I have not received any correspondence from this company my first notification came from my credit monitoring application with XXXX  I have filed a dispute with XXXX  that is currently pending in the meantime the company continuously keeps hitting my report flagging the account negatively driving my score down significantly

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 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: FL

Complaint narrative:
Remove the following accounts because it did not show the correct payment history on the accounts. Payment history as reported is inconsistent. The accounts were reported as charge off " open '' with balance. How can this account be charged off and it still showing a remaining balance! Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and remove the accounts ASAP 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 2019-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Credit bureaus put stuff on my credit report without even warning me about it. I never received any correspondence from them.. These accounts were fraudulently opened in my name. I am a victim of identity theft and did not make the charges..I am requesting that the items be blocked to correct my credit report XXXX XXXX XXXX

Company response to consumer: Closed with explanation