vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
On all  XXXX  credit agency reports, it is listed that I filed Chapter  XXXX  bankruptcy on  XXXX -2013. I have filed a dispute with all  XXXX  agencies several times and they have come back with the decision that the information is accurate.   XXXX  It is NOT accurate as I filed a Chapter  XXXX  bankruptcy on that date and NOT a Chapter  XXXX . If they truly did investigated the dispute, they would have found this information was inaccurate and should have been removed from my credit reports.   XXXX  However, I do not believe that it was investigated, and this is fradulent activity on the credit reporting agencies part.   XXXX  I would like this bankruptcy information on that date removed immediately.   I have the paperwork of what type of bankruptcy was filed and am able to provide that to prove that this is inaccurate and should be removed from my credit report.   XXXX  Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
On all  XXXX  credit agency reports, it is listed that I filed Chapter  XXXX  bankruptcy on  XXXX -2013. I have filed a dispute with all  XXXX  agencies several times and they have come back with the decision that the information is accurate.   XXXX  It is NOT accurate as I filed a Chapter  XXXX  bankruptcy on that date and NOT a Chapter  XXXX . If they truly did investigated the dispute, they would have found this information was inaccurate and should have been removed from my credit reports.   XXXX  However, I do not believe that it was investigated, and this is fradulent activity on the credit reporting agencies part.   XXXX  I would like this bankruptcy information on that date removed immediately.   I have the paperwork of what type of bankruptcy was filed and am able to provide that to prove that this is inaccurate and should be removed from my credit report.   XXXX  Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On  XXXX / XXXX / 2017 ,  CHASE CARD i nquired into my various credit files without my authorization or knowledge. They subsequently contacted me and advised me that a fraudulent application had been submitted in my name, they caught it in time, and were deleting their various inquiries " promptly. '' It is now  XXXX  and the fraudulent inquiries remain despite numerous calls to them and assurances in turn that this would be done. Help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-09 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: OH

Complaint narrative:
The burden of proof is on Equifax, XXXX, and XXXX not the consumer. I am tired of this cat and mouse game with these CRA 's. I have sent a METHOD OF VERIFICATION letter to Equifax, XXXX, and XXXX did not verify the two collection accounts on my credit. XXXX XXXX and XXXX XXXX are not my accounts they are fraudulent accounts/not mine. Equifax, XXXX, and XXXX are not allowed to tell me you will not reinvestigate a dispute according to FCRA 611 ( a ) ( 7 ). I sent a method of verification to Equifax, XXXX, and XXXX and I sent a validation letter to the collection agencies. Neither collection agency validated the accounts so therefore I know for a fact you did not verify these accounts. You also reinserted the accounts without verifying nor validating and that 's against the law. I have not given any third party collection agency permission to share any information if the accounts were valid. I will be sending a certified letter to the CEO of all CRA 's concerning this ongoing problem and I will be starting legal action against Equifax, XXXX and XXXX. XXXX is not a valid form of verification. These accounts do not belong to me and I want them removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
XXXX has now sold this unsubstantiated debt now a 3rd time.
I hav asked XXXX XXXX XXXX to send me th supposed orignal contract i signed, and of course none of them do or can ... first it was sold to XXXX XXXX -- i made a complaint- and their response was to stop the wrongful collection -- - then XXXX sold it to XXXX XXXX -- who again- could not validate the debt -- - after i made a complaint against them ... that was about a year ago.. and they agreed to stop harassing me and closed their file -- now XXXX is at it again -- -- sold it to a third collection agency XXXX XXXX ( XXXX ) XXXX acct # XXXX- I explained the situation to them, and they also can not validate the debt - i told them as well show me a contract i signed -- -- i did not and never did order this service..
<P/><P/>
For your reference -- prior complaints numbers for this same wrongful debt collection..
the XXXX complaint number is # XXXX this complaint was made on XX/XX/XXXX They ceased collction and then started again and another complaint was madeXX/XX/XXXX # XXXX- they finally stopped their wrongful collection.
<P/>
XXXX XXXX was also trying to collect this debt early XX/XX/XXXX and i made a complaint # XXXX also on XX/XX/XXXX- they also agreed to sopt collection this debt i do not owe.
<P/>
thank you XXXX XXXX 8

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: U.S. BANCORP
State: TN

Complaint narrative:
This is a new Complaint on U S Bank Mortgage. I never received XXXX-mortgage interest statements from U S Bank mortgage from XX/XX/XXXX - XX/XX/XXXX. These statements was reported to IRS, yet I never received copies to file my taxes. Since payments was made to U S Bank from my checking account with XXXX XXXX XXXX I have the right to receive these statements. The account number with XXXX XXXX XXXX was XXXX/XXXX.
US Bank never mentioned the {$100000.00} transferred to them from XXXX XXXX  on XX/XX/XXXX. I received a settlement from a XXXX XXXX law sue. Whom ever have my drivers license & social security card made this transaction. U S Bank Mortgage did n't inform me of the many payments made to them from XXXX XXXX XXXX & XXXX XXXX. It was a series of mortgage payments, with a series of account numbers. The was an account for US Bank mortgage paid on XX/XX/XXXX. The account number is XXXX in the amount of {$1000.00}. U S Bank mortgage have mortgages that was being paid, using my accounts. A large amount was transferred to them. If it was n't the XXXX Family. It was XXXX XXXX, she was a XXXX before she got married. My youngest child is being used also, because he have a XXXX XXXX & he 's a XXXX XXXX. His name is XXXX XXXX XXXX/ his social security number is 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 2017-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
This is a new Complaint on XXXX XXXX XXXX XXXX. I never received XXXX-mortgage interest statements from XXXX XXXX XXXX XXXX from XXXX - XXXX. These statements was reported to IRS, yet I never received copies to file my taxes. Since payments was made to XXXX XXXX XXXX from my checking account with XXXX XXXX XXXX. I have the right to receive these statements. The account number with XXXX XXXX XXXX was XXXX/XXXX.
XXXX XXXX never mentioned the {$100000.00} transferred to them from XXXX XXXX  on XX/XX/XXXX. I received a settlement from a XXXX XXXX law sue. Whom ever have my drivers license & social security card made this transaction. XXXX XXXX XXXX XXXX did n't inform me of the many payments made to them from XXXX XXXX XXXX & XXXX XXXX. It was a series of mortgage payments, with a series of account numbers. The was an account for XXXX XXXX XXXX paid on XX/XX/XXXX. The account number is XXXX in the amount of {$1000.00}. XXXX XXXX XXXX XXXX have mortgages that was being paid, using my accounts. A large amount was transferred to them. If it was n't the XXXX Family. It was XXXX XXXX, she was a XXXX before she got married. My youngest child is being used also, because he have a XXXX XXXX & he 's a XXXX XXXX. His name is XXXX XXXX XXXX/ his social security number is 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 2017-07-09 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:
The burden of proof is on XXXX, Transunion, and XXXX not the consumer. I am tired of this cat and mouse game with these CRA 's. I have sent a METHOD OF VERIFICATION letter to XXXX, Transunion, and XXXX did not verify the two collection accounts on my credit. XXXX XXXX and XXXX XXXX are not my accounts they are fraudulent accounts/not mine. XXXX, Transunion, and XXXX are not allowed to tell me you will not reinvestigate a dispute according to FCRA 611 ( a ) ( 7 ). I sent a method of verification to XXXX, Transunion, and XXXX and I sent a validation letter to the collection agencies. Neither collection agency validated the accounts so therefore I know for a fact you did not verify these accounts. You also reinserted the accounts without verifying nor validating and that 's against the law. I have not given any third party collection agency permission to share any information if the accounts were valid. I will be sending a certified letter to the CEO of all CRA 's concerning this ongoing problem and I will be starting legal action against XXXX, Transunion and XXXX. XXXX is not a valid form of verification. These accounts do not belong to me and I want them removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
I had recently submitted a complaint in regards XXXX XXXX for an collections account of {$370.00}. The collection company did not resolve my request. Since then they have illegally re-aged and reopened the collections account as of XXXX XXXX, 2017. The account status was closed and marked as a charged off account for the past couple of months. They had threaten me in the past about how they were going to damage my credit and the recent reopening/re-ageing of the closed account which has significantly hurt my credit score in the past week supports my claim of their harassment and illegal practices of bullying consumers. I have taken picture and attached it to this complaint of the account status as of XXXX, 2017 and as of XXXX XXXX, 2017. The change in the account status occurred after I submitted my initial complaint which leads me to believe they purposely and illegally re-aged/reopened this account to hurt my credit score. I feel bullied and treated without any respect. Because of their unethical and illegal practices good/hardworking people like me suffer and our progression towards a stable financial future is impeded.
<P/>
I would like to request for XXXX XXXX to remove this account from all credit bureaus ( XXXX, XXXX & XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX, XXXX and Transunion continue to report these inaccurate items on my credit report. XXXX : The amount of the loan is incorrect, the date started loan is incorrect, the late payments are incorrect, the monthly balance is incorrect, the loan terms is incorrect. <P/>XXXX XXXX : Past due amount is wrong, late payments are wrong, status is incorrect. <P/>XXXX XXXX XXXX : The amount past due is wrong, the initial amount is wrong, status is wrong. <P/>XXXX XXXX : The last date report is wrong, late payments are wrong, the balance is wrong, the status is wrong. <P/>I have contacted all of these companies personally and they continue to state these items are verified and no change has been made. I have disputed these items with all three credit bureaus multiple times and I 've received reports stating these items are valid and no change. I am looking to purchase a home and these accounts are affecting my chances of getting approved. Please Validate these accounts or delete these items off my credit report. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
I received a letter from this company demanding payment for a debt. As I checked my records I have never done business with this company and nor have they provided me with services or goods

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
I had recently submitted a complaint in regards Ad Astra Recovery Services for an collections account of {$400.00}. The collection company did not resolve my request. Since then they have illegally re-aged and reopened the collections account as of XXXX XXXX, 2017. The account status was closed and marked as a charged off account for the past couple of months. They had threaten me in the past about how they were going to damage my credit and the recent reopening/re-ageing of the closed account which has significantly hurt my credit score in the past week supports my claim of their harassment and illegal practices of bullying consumers. I have taken picture and attached it to this complaint of the account status as of XXXX, 2017 and as of XXXX XXXX, 2017. The change in the account status occurred after I submitted my initial complaint which leads me to believe they purposely and illegally re-aged/reopened this account to hurt my credit score. I feel bullied and treated without any respect. Because of their unethical and illegal practices good/hardworking people like me suffer and our progression towards a stable financial future is impeded.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax, XXXX and XXXX continue to report these inaccurate items on my credit report.
XXXX : The amount of the loan is incorrect, the date started loan is incorrect, the late payments are incorrect, the monthly balance is incorrect, the loan terms is incorrect.
<P/>
XXXX XXXX : Past due amount is wrong, late payments are wrong, status is incorrect.
<P/>
XXXX XXXX XXXX : The amount past due is wrong, the initial amount is wrong, status is wrong.
<P/>
XXXX XXXX : The last date report is wrong, late payments are wrong, the balance is wrong, the status is wrong.
<P/>
I have contacted all of these companies personally and they continue to state these items are verified and no change has been made. I have disputed these items with all three credit bureaus multiple times and I 've received reports stating these items are valid and no change. I am looking to purchase a home and these accounts are affecting my chances of getting approved. Please Validate these accounts or delete these items off my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX, Experian and XXXX continue to report these inaccurate items on my credit report.
XXXX : The amount of the loan is incorrect, the date started loan is incorrect, the late payments are incorrect, the monthly balance is incorrect, the loan terms is incorrect.
<P/>
XXXX XXXX : Past due amount is wrong, late payments are wrong, status is incorrect.
<P/>
XXXX XXXX XXXX : The amount past due is wrong, the initial amount is wrong, status is wrong.
<P/>
XXXX XXXX : The last date report is wrong, late payments are wrong, the balance is wrong, the status is wrong.
<P/>
I have contacted all of these companies personally and they continue to state these items are verified and no change has been made. I have disputed these items with all three credit bureaus multiple times and I 've received reports stating these items are valid and no change. I am looking to purchase a home and these accounts are affecting my chances of getting approved. Please Validate these accounts or delete these items off my credit report. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TN

Complaint narrative:
I have attempted to resolve this matter with this company several times. My car was hit in front of my house and it was a total loss. The car was paid off by the other party who hit my car and I also had insurance on the loan so when everything was finalized the loan should have been paid off in full and I was told that it was. I continued to receive a demand for payment and I do not owe this company. I have asked for a full accounting of the loan and how the loan was processed after the accident and they have failed to provide that to me but they want me to pay them something I do not owe

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09 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: MI

Complaint narrative:
Pulled down my Experian report and found a number of unauthorized hard inquires. First I called  XXXX   XXXX  to put  90 secu rity freeze. Now I am reaching out to Experian to get a security freeze AND these unauthorized hard inquires removed ASAP. I will moving soon looking to mortgage anew home and I do n't need any of these unauthorized hard inquires harming my chances of of moving my family to a safer neighborhood. First please freeze the account for the next 30 days, then next have these hard inquires removed. I have enclosed a list of them. Thank you so much in advance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX

Complaint narrative:
On XXXX XXXX, I deposited money for my father in XXXX. The online portal that MoneyGram has Only allows you to put the receiver name and receiver last name. Due to my father having a middle name, he was unable to get the money transfer. This is MoneyGrams fault because I was only asked for first and last name. I tried to log in and coincidentally my account was not identifiable and had an error. After I called Moneygram, they said they can cancel transaction but I would n't get my money until 10 days. That sounds like fraud to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc.
State: NC

Complaint narrative:
I sent a debt validation letter and they replied that they could n't find any account with my name on it but they are reporting to   XXXX   that I owe a debt to them

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09 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: CA

Complaint narrative:
A summons was given to my employer of a company I do n't recognize and I think is an identity theft account. I am very disappointed with how they have humiliated me with my employer and now my Job is at risk. I am ready to sue them and will go to court on this matter to small claims.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I 've sent many letters to each COLLECTION AGENCY to remove CLOSED ACCOUNTS and to provide proof that i authorized and if they CAN provide proof to send it to me.

Company response to consumer: Closed with explanation