vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-29 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: GA

Complaint narrative:
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. 

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 2019-07-29 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: CO

Complaint narrative:
I recwntly purchused a XXXX XXXX XXXX from XXXXXXXX XXXX  XXXX XXXX in XXXXXXXX XXXX Colorado. I am a fist time car buyer so I used their in house finance company " XXXX XXXX ''. Upon sighing my contact I was bound to pay off the loan on time and in its entirety, Independent is contractually bound to report payments to the two major credit agency 's, Transunion and XXXX. This loan was opened on XX/XX/XXXX and only one payment so far has been reported on XX/XX/XXXX and only to one credit agency even though I have made all of my payments on time via credit card. I have tried to address the issue with Independent but every-time I try I am met with unprofessional conduct and employees literally laughing at me on the phone. I am filing this complaint along with one to the American XXXX  so I can begin litigation if these credit issues are not resolved. I believe Independent is profiling me as a young buyer, not reporting my payments and crushing me with a predatory APR in an attempt to keep me in the exact financial position I was in when I came to them, thus forcing me into another lemon at another predatory interest rate. I have held up my end of the contract by making every single one of my payments on time, XXXX needs to hold up their end of the contract. They say they report monthly but my credit report which has not seen a good payment since XX/XX/XXXX tells a different story.

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 2019-07-29 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: CO

Complaint narrative:
I recwntly purchused a XXXX XXXX XXXX from XXXX XXXX XXXX XXXXXXXX in XXXX XXXX Colorado. I am a fist time car buyer so I used their in house finance company " XXXX XXXX ''. Upon sighing my contact I was bound to pay off the loan on time and in its entirety, XXXX is contractually bound to report payments to the two major credit agency 's, XXXX  and Equifax. This loan was opened on XX/XX/2019 and only one payment so far has been reported on XX/XX/2019 and only to one credit agency even though I have made all of my payments on time via credit card. I have tried to address the issue with XXXX   but every-time I try I am met with unprofessional conduct and employees literally laughing at me on the phone. I am filing this complaint along with one to the  American XXXX so I can begin litigation if these credit issues are not resolved. I believe XXXX is profiling me as a young buyer, not reporting my payments and crushing me with a predatory APR in an attempt to keep me in the exact financial position I was in when I came to them, thus forcing me into another lemon at another predatory interest rate. I have held up my end of the contract by making every single one of my payments on time, XXXX needs to hold up their end of the contract. They say they report monthly but my credit report which has not seen a good payment since XX/XX/2019 tells a different story.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 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: GA

Complaint narrative:
The following inquiries below are suspicious to me. Please look into it and remove the unauthorized inquiries. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgence Financial, LLC
State: IL

Complaint narrative:
Resurgence Financial just recently put a legal hold on my bank accounts after I filed Chapter XXXX bankruptcy a couple years ago absolving the debt which is over XXXX years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 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: WA

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wa XXXX [ XXXX XXXX XXXX XXXX XXXX Re : Disputing error [ s ] on credit report Dear XXXX XXXX XXXX I am writing to request a correction of the following information that appears on my [ XXXX XXXX Experian XXXX XXXX ] consumer report : Dispute Account Number or other information to identify account : XXXX XXXX XXXX XXXX, reported balance {$810.00} Dates associated with item being disputed : [ XX/XX/XXXX Explanation of item being disputed : [ Insert a detailed explanation of why the information is inaccurate. Choose one of the choices below if it fits, or add your own description. ] The report shows I currently owe money to your company that is not accurate. 

I have no knowledge of an account with your company. 

Thank you for your assistance. 

Sincerely, 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 2019-07-29 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: GA

Complaint narrative:
The following inquiries below are suspicious to me. Please remove it as these are unauthorized. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and 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 2019-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: WA

Complaint narrative:
XXXX XXXX for rent hired a collection agency, Hunter Warfield to collect a debt I do not owe. 

I disputed the debt by certified letterXX/XX/2019, and they never sent me the proof of the debt. 

They just reported me to the credit reporting agencies without sending me proof of the invalid debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-29 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:
The following inquiries below are suspicious to me. Please look into it and remove the unauthorized inquiries. 

XXXX XXXX XXXX and 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 2019-07-29 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: GA

Complaint narrative:
The following inquiries below are suspicious to me. Please look into it and remove the unauthorized inquiries. XXXX XXXX XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 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: WA

Complaint narrative:
XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Wa XXXX [ XX/XX/XXXXXXXX XXXX XXXX Re : Disputing error [ s ] on credit report Dear XXXX XXXX XXXX I am writing to request a correction of the following information that appears on my [ Equifax , XXXX , XXXX ] consumer report : Dispute Account Number or other information to identify account : XXXX XXXX XXXX XXXX, reported balance {$810.00} Dates associated with item being disputed : [ XX/XX/XXXX Explanation of item being disputed : [ Insert a detailed explanation of why the information is inaccurate. Choose one of the choices below if it fits, or add your own description. ] The report shows I currently owe money to your company that is not accurate. 

I have no knowledge of an account with your company. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: FL

Complaint narrative:
Original Collector : XXXX XXXX XXXX XXXX XXXX : Rent-debt automated collection XXXX   XXXX XXXX XXXX TN XXXX ( XXXX ) XXXX Date : XX/XX/2016 {$7500.00} amount This attempted debt info is completely inaccurate. I am a single mother to XXXX children and I was never behind 7 months of rent!? 
I have continued to Dispute this fraudulent information for 3 years now and the negative remarks on my credit report including this astounding amount is hindering my living abilities for my kids and I. I can not get anyplace with this info on my credit report. 
It is wrong and inaccurate and Im going to seek legal help with the Florida Bar Association for legal representation to Dispute this information and request for removal. 
My identity was also compromised with XXXX Incident 2016. Thankyou for acknowledging consumers and trying to get all of us the correct guidance and professional help we are seeking Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Receivables Performance Management, LLC
State: GA

Complaint narrative:
To whom it may concern, On XX/XX/2019 ( inaccurate date ), a collection company named Receivables Performance was inaccurately reported to my XXXX and XXXX credit report. Receivables Performance is claiming that I owe {$200.00}. I and a Credit Repair Specialist disputed this issue against the creditor by contacting them directly while also disputing the collection with the credit bureaus via written letters from XXXX 2019 to XXXX 2019. Each dispute letter that was sent respectively asked for documented and written proof that I owe a debt to this creditor. Both Receivables Performance and the credit bureaus refused to provide signed documentation for the debt listed above. Instead, they sent copies of my credit report. The issue has still not been resolved.

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 2019-07-29 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 HAVE CONTACTED EXPERIAN LAST DAY XX/XX/XXXX MY REPORT UPDATES TO ACCOUNT UPDATED ACCORDING TO Sec. 623. Responsibilities of furnishers of information to consumer reporting agencies This section of the FCRA was amended by 602 of the Economic Growth, Regulatory Relief, and Consumer Protection Act ( P. Law 115-174 ) effective XX/XX/XXXX XXXX upon enactment ). 

ALL INFO MUST BE ACCURATE IF NOT REMOVED OR COMPENSATION SHOULD BE SEEKED THIS IS MY LAST EMAIL TO THEM BEFORE I SEW THEM FOR IGNORING MY FILE

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 2019-07-29 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: CA

Complaint narrative:
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. 

XXXX  XXXX ; XXXX XXXX and Chapter XXXX Bankruptcy

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 2019-07-29 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: CA

Complaint narrative:
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. 

XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX and XXXX XXXX Bankruptcy

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 2019-07-29 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:
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. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-29 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: CA

Complaint narrative:
The following inquiry is unauthorized. Kindly remove for it is suspicious. 

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 2019-07-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: WI

Complaint narrative:
This complaint relates to my Discover card. I pay this card online, and have for several years. This is intended as a way to insure that the payment is received on time. I am not dependent on the US mail to deliver a payment by the due date, and for the most part this has been successful. 

However, the payment made by phone for the month of XX/XX/2019, which was made on time and as I have made every other payment on this account, was recorded by Discover a day AFTER the deadline, causing a late fee. The payment was made on XX/XX/XXXX ; however, Discover processed the payment on XX/XX/XXXX, causing a {$28.00} late fee to be assessed to my account. This is unacceptable. 

I am also concerned that this malicious action on the part of the Discover card may have additional detrimental consequences, including an increase of the interest rate I am charged on this card, as well as a negative effect on my credit rating. These must be reversed, in both cases.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Hi i called XXXX XXXX credit card service to cancel a balance transfer on XXXX the XXXX 2019 and it was unsuccessful and i was told that i need to called chase to get the balance transfer in the amount of {$400.00} reverse back to my XXXX XXXX credit card ending XXXX .. this transfer was done in a error and was send to my chase credit card ending in XXXX that was open fraudulent and im seeking to have {$400.00} reverse back and chase has received this transfer on XX/XX/2019. and i contacted chase credit card payment dept about this issues and they told me that they dont reverse balance transfer and i need to contact XXXX XXXX to open up a " transmitter report '' which XXXX XXXX already done and they received a answer from chase bank and said it was declined and another banker told me they need the cardmember permission and called chase again and told me it was denied but this transfer was done in a error and im seeking {$400.00} reversed chase credit card service received this transfer on the XX/XX/XXXX or the XXXX ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 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:
I have examined my finances and developed a careful budget that includes my payment with the creditors I asked for a loan. I want to maintain a good relationship and a good credit score that's why I keep track of my bills. But seeing this is unfair.. I am requesting that you step up and remove the late payments reported on the accounts because it is completely INACCURATE AND INCOMPLETE in reporting, therefore it must be deleted asap XXXX XXXX XXXX  XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am writing regarding the inappropriate manner in which Home Depot Credit Card services ( Citi Bank ) reduced my credit limit by {$1900.00} without any notice ( from {$6900.00} to {$5000.

00} ). The surprising part of the whole thing is that the credit limit as per my latest HD monthly stateme
nt is {$6900.00}. It is only on checking with the credit bureaus did I learn that my credit limit was reduced to {$5000.00}. On calling the card services I was told that this action was taken due to inactivity on my card. Neither was I aware of any such condition nor was I informed before taking such an action.

When I spoke with the the customer service agent that I wanted to escalate the issue, he was very rude and impersonal in saying that there will be no change in decision and that I have no other choice. I felt like I was at the mercy of Citi and had no choice.

I have been a Home Depot member for the last 4 years. However, I am shocked at the way my credit limit has been reduced for no valid reason. This has adversely affected my credit history/ score. 
As my requests were not being dealt in a correct manner, I reached out all the way to the CEO, XXXX XXXX. I was contacted by his office only to be read out a disclaimer in the credit card agreement that they have the right to reduce the credit limit when there is no activity on the account. I argued that a fine print can not be a reason to take this action. They should have contacted me before doing any such thing. But the representative refused to hear me out. He blatantly said that they will not do anything and hung up on me. 
I request that this matter be investigated to reinstate my credit limit to {$6900.00}.

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