vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-30 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 disputed the labeling of an account as closed because of repossession. The repo was wrongfully conducted due to the ineptitude and incompetence of the furnished, in this case XXXX in XXXX XXXX, TX.,  and to add insult to injury also the incompetence and ineptitude on the part of Experian in investigating it. I had filed a complaint with the XXXX   regarding this back in XX/XX/2015. XXXX  complaint # XXXX. I sent a copy of the document electronically and by mail with a letter explaining it. I had called the furnisher twice about this and they conveniently could not find the account, but when Experian investigated they magically found it and confirmed it. As I stated in the past, these credit bureaus are quick to post this information taking the word of these providers without verification, but when the consumer goes to refute the information its like pulling teeth. I practically have to do their jobs for them by collecting information that they should be able to, especially if theyre undertaken an awesome responsibility of posting vital information which affects the consumer greatly. I have been through a lot because of their incompetence and actions. I DEMAND that this gets corrected as quickly as they took to investigate. I dont know why furnishers weigh information from these agencies so heavily in their decisions if they make so many mistakes, and the complaints filed with various consumer organizations confirms that fact

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 2019-01-30 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: FL

Complaint narrative:
I have been the victim of identity theft and someone my information has been used to try and open accounts. The inquiries are not mine or initiated by me : XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018

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 2019-01-30 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: UT

Complaint narrative:
I'm a victim of fraud and have effortlessly disputed the fraudulent credit card lines, phone numbers, and addresses on XXXX  and XXXX. I accessed them through XXXX and everything was a breeze. 
with two down, I've try to access my free Equifax credit report through XXXX but after submitting everything properly, am told that I can't can't access it online and need to have it mailed to me. No explanation. So I talked with a customer service rep, she confirmed that I can't get it for free but couldn't explain why. Oh well, guess I'll buy it, as I need to dispute these fraudulent problems to Equifax, as they showed up on my other two reports. 
I go to sign up online for the premier equifax complete package for at least a month, and am hit with a final verification process. They use current information on my credit report in the form of multiple choice questions. The problem is that Equifax 's website generated questions using what I have to assume is the fraudulent charges and information as verification questions, as the system doesn't know what's legit and what's not. 
I've now failed my verification questions for this reason and am locked out of being able to access my report online. My account seems to have been created using my personal information, but access to it was locked. Great. 
I call in to equifax customer service to get help, and after much time and a customer rep that spoke with a heavy accent, I ultimately failed the verification questions again. I don't know if I was misunderstanding the rep or if the questions were generated using fraudulent data on my report, again. Now I need to either call again in the morning ( as the department apparently closed after my call ), or submit documentation via mail. 
Are. you. kidding. me. 
I'm all for verification, clearly. My identity has been stolen by a family member ( my father and his new wife ) using my personal info, and I wish more security measures were in place to have prevented that. However, there need to be safety nets in place in the event that these situations happen! This can not be an isolated situation and it needs to be remedied.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I did not authorize this {$3100.00} debt with this institution. I have filed and submitted documentation to the company at least 20 times, I knew nothing of the debt until it was charged off and I began to receive collection calls from the company. I notified each and every agent that called, that this account is not mine. 

I have been a victim of Identity theft for almost 10 years. Over the past 10 years people have gone as far as getting cars, apartments, credit cards, bank accounts and utility services in my name. I have filed many police reports and done FTC Affidavits, many of the reports were filed with the city and county in which the fraudulent accounts were opened. 

I have fulfilled all of the requirements under FCRA 605B to have this  information removed and blocked, and NFCU is in violation by not removing this debt. 

The company is also in violation of Section 392.101 of the Texas Finance Code prohibits a third-party debt collector from engaging in debt collection in Texas unless the third-party debt collector has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. I have found no surety bond in the state of texas bearing the name of this company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Texas Guaranteed
State: TX

Complaint narrative:
I get calls every day from Monday to Saturday at work and at home. I get emails at work. Today, I got an intimidating call from someone asking me for my social security number in the middle of a workday. Who does this? I asked them who were they. The guy says, " we verified your place of employment '' As if he was coming to my job. This is so rude. 
I have attached a copy of emails and phone calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 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: IN

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX SSN : XXXX | DOB : XX/XX/XXXX RE : CFPB Complaint # XXXX Experian Report # : XXXX Acct : XXXX XXXX XXXX Dear Experian, In response to a CFPB complaint, I filed XX/XX/XXXX. XXXX Lets being by stating first that as a CRA it is your duty to report accurate and verifiable information. Experian has failed to do so, on more than 5 occasions on this account alone. Its beginning to look very obvious that you either incapable or unwilling to do just that. 

Per FCRA information that can not be verified must be deleted this is the 5th time you have verified this account as accurate and updated and it still is not. If this account gets updated and verified as accurate ( 1 ) more time I will be seeking litigation for FCRA violations. 

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Furthermore, this reinvestigation has still failed to : - Yield me any verifiable proof of you procedures or how you verified this account. 
- You have even failed to give me a name, number, time and date of person who has verified this account. 
- XXXX XXXX is not a verifiable person nor should it be used for these situations per FCRA. 
- You even report late payments on this account without giving me proof of how you verified these late payments - Once again, for the 5th time you verified and updated information, which is wrong and can be proven to be wrong instead of just removing this unverifiable account like requested 2 months ago. 
If you can follow along with the simple instructions, I am giving to you. Please look at page 2

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 2019-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I ordered an age defying collagen eye cream from a vendor on XXXX called XXXX for a total of {$25.00}. The order # was XXXX. It was delivered on XX/XX/2018. On Sunday XX/XX/2018 I  contacted the vendor in order to return the product at XXXX. On Monday XX/XX/2018 XXXX from XXXX responded and said that I would have to return the product back to XXXX with a tracking number and I would be responsible for the shipping charges. Or she said I could get a 30 % refund and not have to return the product. On Thursday XX/XX/2018 I accepted the offer of 30 % partial refund and asked when I could expect the refund. On Wednesday XX/XX/2018 XXXX responded that she had submitted ticket # XXXX to the fulfillment team to process the original payment method and I would receive an email confirming once the process was complete. On Thursday XX/XX/2018 and Wednesday XX/XX/2018 I emailed both times that I had not received an email or refund. I have not had any contact with the vendor since then. No emails or refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 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:
Recently, I've grown an interest in monitoring my credit. I and my family are ready to purchase a home. As I've gone through credit report, I've noticed a few unauthorized inquiries and an account that does not belong to me. Please remove this from my credit report immediately as this is poor judgement with on my credit worthiness.

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 2019-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I settled a closed capital one credit card account with a collection agency. Capital one informed me that even though their collection agency collected and agreed to a settlement on their behalf, they would not update the closed tradeline to a XXXX  balance or settled for less than the original balance. They have updated the payment but have not cancelled the remaining debt and part of the settlement. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-30 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:
Recently, I've grown an interest in monitoring my credit. I and my family are ready to purchase a home. As I've gone through credit report, I've noticed a few unauthorized inquiries and an account that does not belong to me. Please remove this from my credit report immediately as this is poor judgement with on my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 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:
Recently, I've grown an interest in monitoring my credit. I and my family are ready to purchase a home. As I've gone through credit report, I've noticed a few unauthorized inquiries and an account that does not belong to me. Please remove this from my credit report immediately as this is poor judgement with on my credit worthiness.

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 2019-01-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Credit Network Inc
State: AZ

Complaint narrative:
This debt does not belong to me and has been removed from 2 Credit  Bureaus. Please remove from my XXXX  report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Roosen, Varchetti & Olivier, PLLC
State: MI

Complaint narrative:
In XX/XX/XXXX attorney collection agency Roosen, Varchetti and Oliver wrongfully garnished me for tickets associated with a property I do not own. Their lack of due diligence and investigating who is the proper owners XXXX XXXX, in XXXX MI through XXXX County records resulted my account being garnished in a amount over {$1000.00}. While I was the owner from over ten years ago, they did not find this error until I brought this claim to their attention. I brought this to their attention in XX/XX/XXXX in which they said they would release the funds back to my account. After several communications including XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX they still have not return my money resulting in a number of circumstances and financial impact. I've spoken with their representatives a number of times, asked for supervisors, and requested to speak with the lawyers associated with this practice and process and had gotten no support or call backs, I've sent communications as requested to XXXX with no response, and contacted their team at XXXX with no support. It's now XX/XX/XXXX and still have not received funds. They refused to reimburse the incurred banking fee 's associated with this wrongful and impact action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA

Complaint narrative:
My ex wife took out money from usaa after filing for divorce using my identification and military XXXX   papers

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
Please delete all accounts which have nothing to do with me, regardless if its reported as collection, charge off, closed with balance because they do not belong to me and other accounts which were unverified, inaccurate and false asap XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX , XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX , XXXX XXXX  XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX , XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX, ( Original Creditor : ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
Please delete all accounts which have nothing to do with me, regardless if its reported as collection, charge off, closed with balance because they do not belong to me and other accounts which were unverified, inaccurate and false asap XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX   XXXX  XXXX ) XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX   XXXX XXXX ) 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 2019-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
Please delete all accounts which have nothing to do with me, regardless if its reported as collection, charge off, closed with balance because they do not belong to me and other accounts which were unverified, inaccurate and false asap XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX ,

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 2019-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
What in the world is happening on my credit report, there are several accounts that appear out of nowhere! I have never dealt with these creditors in the past, I do not know who they are..The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX   XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, ( Original Creditor : ) XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 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: TX

Complaint narrative:
What in the world is happening on my credit report, there are several accounts that appear out of nowhere! I have never dealt with these creditors in the past, I do not know who they are..The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX ), XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX 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 XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX  ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX   XXXX

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 2019-01-30 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: TX

Complaint narrative:
There is hard inquiries on my credit report twice for the same company, XXXX XXXX XXXX for XX/XX/2018 and XX/XX/2018. When I call the company, they state my credit was only pulled once. When I disputed the second inquiry with Equifax, they did not remove it. I applied for internet service on XX/XX/2018. I authorized my credit to be pulled one time to assure my creditworthiness to XXXX XXXX XXXX for a new account. There would be absolutely no reason for them to pull my credit a second time the very next day. This needs to be corrected immediately. Since I have contact both the company and the credit reporting agency already, I am at a loss as to how to get this error removed.

Company response to consumer: Closed with explanation