vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-26 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: CA

Complaint narrative:
I was notified by your company regarding an alleged unknown debt in the amount of {$210.00} from XXXX by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX. I have reason to believe I do not owe this debt because I have never had an account with that store or because I believe you have me confused with a different person. I request all of the following information be provided to me by mail : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 4.  Documentation showing you are licensed to collect debts and also provide the original that bears authentic hand signature of agreement of the debt. Because I am writing you within 30 days of being notified by your company about this debt, you must cease attempting to collect this alleged debt until after you have provided the requested information. If you continue attempting to collect on this debt or seek judgment for payment of the debt without first providing written verification, you will be in violation of the Fair Debt Collection Practices Act. Additionally, the debt can not accrue any fees or interest beyond what is allowed by state law or by contract with the original creditor.

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 2019-06-26 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: FL

Complaint narrative:
EXPERIAN, has ignored my requests to correct and investigate, my credit file where the Charge Off status by XXXX XXXX XXXX XXXX account # XXXX and also account # XXXX is in violation of the Federal Bankruptcy Codes and Violations of the FCRA. 

Under Federal Bankruptcy Code requires all creditors to freeze as in hold, all actions until the Federal Bankruptcy Court adjudicates the Bankruptcy Chapter XXXX. 

XXXX XXXX XXXX filed Bankruptcy Chapter XXXX on XX/XX/2016 and the Bankruptcy Chapter XXXX was Dismissed on XX/XX/2016. 

Account charge off status can not be reported as the accounts as was in Bankruptcy Protection and can not be charged off until the Federal Bankruptcy Court adjudicates the Bankruptcy Chapter XXXX. Which was done on XX/XX/2016. 

POST Dismissal of XX/XX/2016, XXXX XXXX XXXX XXXX # XXXX and also account # XXXX under the Federal Bankruptcy Codes my credit card accounts was to be reported as the same active status before the filing on XX/XX/2016 where the debtor can resume paying on the account. This was denied by XXXX XXXX XXXX XXXX # XXXX and also account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX and also account # XXXX was required under the Federal Bankruptcy Code to REVERSE the charge off of my accounts where the debtor can resume paying on the account. This was denied by XXXX XXXX   XXXX XXXX # XXXX and also account # XXXX XXXX XXXX XXXX XXXX XXXX XXXXand also account # XXXX was required under the Federal Bankruptcy Code to REVERSE the charge off of my accounts where I as the debtor can resume paying on the account. 

WHEREAS, XXXX XXXX  XXXX XXXX # XXXX and also account # XXXX has failed to and refused to REVERSE the charge off status and where Experian has also failed by allowing and knowing that XXXX XXXX XXXX XXXX XXXX XXXX false information of C/O status that should have been reversed under the Federal Bankruptcy Codes when the Bankruptcy Petition was dismissed by the Federal Bankruptcy Court .

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 2019-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I cancled all of my Wells fargo credit cards because they hounded me day and night about purchases.I went to my branch to do this and told the rep I wanted to pay off every card and cancel them all to avoid anymore calls or payments and I did or at least I thought I did, but XXXX kept sending me on line bills that I ignored, and they droped my score from XXXX to XXXX or so because of XXXX $ or so.My credit cards in fact all of my bills are on auto pay so they are never late and for XXXX to do this after over 20 years of being a customer I think is a kick in the face, so if they don't set this right, I'll be moving my direct deposits to another bank! 

Thank you 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 monetary relief
Consumer complaint received 2019-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
The home was sold due to fraudulent activity. We are considering filing a lawsuit. Please see attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 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: CA

Complaint narrative:
I was notified by your company regarding an alleged unknown debt in the amount of {$210.00} from XXXX by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX. I have reason to believe I do not owe this debt because I have never had an account with that store or because I believe you have me confused with a different person. I request all of the following information be provided to me by mail : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 4. Documentation showing you are licensed to collect debts and also provide the original that bears authentic hand signature of agreement of the debt. Because I am writing you within 30 days of being notified by your company about this debt, you must cease attempting to collect this alleged debt until after you have provided the requested information. If you continue attempting to collect on this debt or seek judgment for payment of the debt without first providing written verification, you will be in violation of the Fair Debt Collection Practices Act. Additionally, the debt can not accrue any fees or interest beyond what is allowed by state law or by contract with the original creditor.

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 2019-06-26 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: CA

Complaint narrative:
I was notified by your company regarding an alleged unknown debt in the amount of {$210.00} from XXXX by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX-XXXX.  I have reason to believe I do not owe this debt because I have never had an account with that store or because I believe you have me confused with a different person. I request all of the following information be provided to me by mail : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 4. Documentation showing you are licensed to collect debts and also provide the original that bears authentic hand signature of agreement of the debt. Because I am writing you within 30 days of being notified by your company about this debt, you must cease attempting to collect this alleged debt until after you have provided the requested information. If you continue attempting to collect on this debt or seek judgment for payment of the debt without first providing written verification, you will be in violation of the Fair Debt Collection Practices Act. Additionally, the debt can not accrue any fees or interest beyond what is allowed by state law or by  contract with the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have gotten a letter and email on XX/XX/2019 regarding a dispute i submitted to Equifax credit bureau regarding the information they have on my credit report that is not correct because of my ex boyfriend getting into my credit report file and using my social security number. He has my last name changed to his last name XXXX and i have never been a XXXX but Equifax makes me log in with that last name and his address being XXXX XXXX XXXX XXXX sc ive not lived there for 5 years now and i am unable to answer any of the security questions on my credit file history because i didn't open the accounts they are asking me to give answers for. 1 time i was able to log in but i had to call and stayed on the phone for 1 hour and a half trying to get them to figure out what the issue was. I cant even open a bank account because they can't verify my social anywhere because Equifax has my credit locked. I have on numerous occasions tried to resolve this. Ive emailed written sent my driver license photo copy with my birth certificate copy as well to verify i am who I say i am. But they have my entire life on hold and locked away and refuse to let me into my own life history of credit or be able to get any credit at all or simply open a bank account for gods sake i been using prepaid and its killing me in fees. I don't know why when I have tried fighting this problem for the last 4 years and they still wont change my info back to the correct info nor will they allow me to change it or be able to get in to fix it because they keep it locked down and keep me locked out. I need my credit report corrected and my credit file unlocked and my social security number released from their grips to be able to survive financially wirh a bank or credit union because right now I've no car no bank account no nothing all because of Equifax locking my life down because of a con artist XXXX XXXX XXXX. Please help me i need to have my credit report unlocked wiped or something rhey are rhe only credit bureau i struggle with and by golly they are the only ones people use for everything so go figure. Calling doesnt work writing doesnt work online disputes dont work and emails dont work how else can i gain back my social security number unless they release it or something

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 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: KY

Complaint narrative:
XXXX XXXX XXXX the account is reported as open/late for 30-59 days late on XX/XX/XXXX and another on XX/XX/XXXX separately..How is this even possible if the number of days is only 30 and the late payments are on two separate months and the status is 30-59 days late?? This is absolutely ridiculous. XXXX XXXX/XXXX is also reported as open late for 30-59 days late but it doesn't say on my payment history as late. Delete this error, fix the accounts that are reported inaccurately because Transunion could not even do this for me. They could not even give me concrete explanation as to why they report it this way

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 2019-06-26 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: KY

Complaint narrative:
XXXX/XXXX  XXXX  closed/late - XX/XX/2018 balance {$1900.00} - reported on Equifax and XXXX  XXXX  XXXX  ( ORIG CREDITOR : XXXX ), XXXX XXXX   XXXX, XXXX XXXX XXXX  accounts 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 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: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
Purchased 2 vehicles over time from same company. XX/XX/XXXX was the first, monthly payments made until XX/XX/XXXX when I traded to another vehicle with same company. Continued with new loan thru XXXX with same financial company ( XXXX ). When I was at my bank for loan they told me I had no history of any loans in the past. I called car dealership and they referred me to their financial company who handles their loans. I contacted them and I get the run around and no answers.

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 2019-06-26 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: CA

Complaint narrative:
This issue is an existing problem which Equifax, and XXXX  wasn't able to resolve.. The student loan was reported on my credit report..Based on my research, all government funded loans are not supposedly be reported on a credit report. This is a clear violation of the FCRA ..Credit Bureaus could not give me concrete explanation as to why they wont delete it..Please step up CFPB and delete. Their investigation solve the problem. They said they have verified it but did not give details on how their investigation went..Just remove the accounts asap DEPTEDXXXX XXXX, DEPTEDXXXX  XXXX, DEPTEDXXXX XXXX, DEDXXXX  XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 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: CA

Complaint narrative:
This issue is an existing problem which XXXX, and Transunion wasn't able to resolve.. The student loan was reported on my credit report..Based on my research, all government funded loans are not supposedly be reported on a credit report. This is a clear violation of the FCRA ..Credit Bureaus could not give me concrete explanation as to why they wont delete it..Please step up CFPB and delete. Their investigation solve the problem. They said they have verified it but did not give details on how their investigation went..Just remove the accounts asap DEPTEDXXXX  XXXX, DEPTEDXXXX  XXXX, DEPTEDXXXX   XXXX, XXXX XXXX, DEPTEDXXXX   XXXX, 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 2019-06-26 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: CA

Complaint narrative:
US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX, DEPTEDXXXX XXXX, US DEPT ED XXXX XXXX XXXX DEPT XXXX XXXX, XXXX XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX XXXX DEPTEDXXXX XXXX accounts 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 have a student loan but they are not the one.. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Braviant Holdings, LLC
State: TX

Complaint narrative:
Hi there, thank you very much for listening to my saga. I am a XXXX XXXX with XXXX XXXX  and XXXX XXXX XXXX. This event is killing me. I am not able to take my children on the vacation we had planned, it's a mess. 

Back story : I saw that {$220.00} was taken out of my account every XXXX weeks. 
XX/XX/XXXX - {$220.00} XX/XX/XXXX - {$220.00} XX/XX/XXXX - {$220.00} XX/XX/XXXX - {$220.00} XX/XX/XXXX - {$220.00} XX/XX/XXXX - {$220.00} XXXX - {$220.00} XX/XX/XXXX - {$220.00} *I will admit it took me longer to realize than it should have but I was dealing with a custody battle and extremely distracted *Much later I went through every bank statement and saw {$1200.00} was deposited into my checking account *Now I find this part odd. I actually did take out a legitimate loan with XXXX XXXX and XX/XX/XXXX was the exact day my first payment was due to them and subsequently debited from my account. 
Side Note : Why would I need a loan like this if I had just received my loan from XXXX XXXX. 

Flash forward to this past Monday, XX/XX/XXXX : - I was really at a loss as to go about remediating this issue. 
- The transactions on my bank statements are all labeled - " XXXX XXXX XXXX '' - I googled " XXXX XXXX  XXXX '' and found a phone number to call but it was incorrect incorrect # - XXXX The person who answered the phone actually gave a number correct # - XXXX - an inexperienced girl answered and finally I asked to speak with a manager, she would not let me talk with him - Finally I got manager on the phone and we spent an inordinate of time arguing back and forth but he wouldn't help me get my money back. 
- We went around and around time and time again and I finally just hung up. 

Other odd things : 1. This " loan '' does not show up as an account on my credit reports 2. Take a look at the " receipt '' I received ( attached )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 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: CA

Complaint narrative:
US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX, DEPTEDXXXX XXXX, US DEPT ED XXXX , US DEPT ED XXXX, DEPTEDXXXX XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX , DEPTEDXXXX    XXXX accounts 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 have a student loan but they are not the one.. 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.

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 2019-06-26 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: CA

Complaint narrative:
US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX, DEPTEDXXXX XXXX, US DEPT ED XXXX XXXX US DEPT ED XXXX, DEPTEDXXXXT XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX XXXX DEPTEDXXXXT XXXX accounts 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 have a student loan but they are not the one.. 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.

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