vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Back in XXXX an disputed account ( XXXX XXXX XXXX ) was deleted from my credit report, However, as of XX/XX/XXXX the same account has been reinserted without my knowledge nor consent. The FCRA specifically says " that information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. In addition, the consumer reporting agency is required to send the consumer written notification within five ( 5 ) business days that the information has been reinserted, and provide contact information for the company that furnished the information, and they are required to maintain reasonable procedures designed to prevent the reappearance in a consumers file and in consumer reports of information that is deleted. I would like this account blocked permanently or I shall file suit against the credit reporting agencies, I was not notified of anything and this account ( XXXX XXXX ) has been deleted for over 2 months, way passed the allotted time frame allowed by the FCRA.

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 2019-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Perfection Collection
State: IL

Complaint narrative:
I notified the agency last year to inform them that this is not my debt. They can not provide me with a signature or copy of identification. The address used when purchasing merchandise was not mine in fact Ive never lived in that area. Im not familiar with the company in which the purchase was made. None of the information they had was accurate even my form of income was inaccurate. The debt owed to XXXX XXXX XXXX in the amount of {$2400.00} Is not my debt. Completely fraudulent

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am a victim of identity theft, so I've reported it to the XXXX here in California. I did not authorize anyone to open or use accounts of anything in my name. These developments are new to as I have no knowledge of the debts nor did benefit in anyway. Under California law I have rights that protects me the consumer. I have the right to see any and all information of accounts of debts in entirely within 30 days. These accounts need to be removed from all credit agencies reporting it. Thank you again for your time and consideration in this matter. 
Respectfully, XX/XX/2019

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 2019-04-05 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: MO

Complaint narrative:
After a careful review of my credit report, it has come to my attention that I have been a victim of identity theft and my credit status has been seriously compromised and I'm demanding that the 3 major credit bureaus block these unauthorized and unknown accounts to me immediately in light of the laws of the FCRA. Please provide me with certified physical documentation of these accounts or delete them immediately. As following, ( 1 ) XXXX/XXXX XXXX   {$3600.00}, ( 2 ) XXXX XXXX XXXX XXXX {$790.00}, ( 3 ) XXXX XXXX XXXX {$760.00}, ( 4 ) XXXX  XXXX {$150.00}, ( 5 )  XXXX {$140.00}, ( 6 ) XXXX  XXXX XXXX {$2300.00}, ( 6 ) XXXX XXXX   {$5300.00}, {$6400.00}, ( 7 ) XXXX XXXX XXXX {$16000.00}, ( 8 ) XXXX   XXXX {$1500.00}, ( 9 ) XXXX XXXX XXXX XXXX {$0.00}, ... I'm demanding that these accounts be removed or support by certified documentation, You cooperation is Appreciated.

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 2019-04-05 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: MO

Complaint narrative:
After a careful review of my credit report, it has come to my attention that I have been a victim of identity theft and my credit status has been seriously compromised and I'm demanding that the 3 major credit bureaus block these unauthorized and unknown accounts to me immediately in light of the laws of the FCRA. Please provide me with certified physical documentation of these accounts or delete them immediately. As following, ( 1 ) XXXX/XXXX XXXX {$3600.00}, ( 2 ) XXXX XXXX XXXX XXXX {$790.00}, ( 3 ) XXXX XXXX XXXX {$760.00}, ( 4 ) XXXX  XXXX  {$150.00}, ( 5 ) XXXX   {$140.00}, ( 6 ) XXXX XXXX XXXX {$2300.00}, ( 6 ) XXXX XXXX {$5300.00}, {$6400.00}, ( 7 ) XXXX XXXX XXXX {$16000.00}, ( 8 ) XXXX XXXX {$1500.00}, ( 9 ) XXXX XXXX XXXX XXXX {$0.00}, ... I'm demanding that these accounts be removed or support by certified documentation, You cooperation is Appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 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: MO

Complaint narrative:
After a careful review of my credit report, it has come to my attention that I have been a victim of identity theft and my credit status has been seriously compromised and I'm demanding that the 3 major credit bureaus block these unauthorized and unknown accounts to me immediately in light of the laws of the FCRA. Please provide me with certified physical documentation of these accounts or delete them immediately. As following, ( 1 ) XXXX/XXXX XXXX   {$3600.00}, ( 2 ) XXXX XXXX XXXX XXXX {$790.00}, ( 3 ) XXXX   XXXX XXXX {$760.00}, ( 4 ) XXXX XXXX {$150.00}, ( 5 ) XXXX   {$140.00}, ( 6 ) XXXX XXXX XXXX {$2300.00}, ( 6 ) XXXX XXXX   {$5300.00}, {$6400.00}, ( 7 ) XXXX XXXX XXXX {$16000.00}, ( 8 ) XXXX   XXXX  {$1500.00}, ( 9 ) XXXX XXXX XXXX XXXX {$0.00}, ... I'm demanding that these accounts be removed or support by certified documentation, You cooperation is Appreciated.

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 2019-04-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I have a loan with BANK OF AMERICA. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and BANK OF AMERICA with no successful resolution. XXXX, XXXX and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late.

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 2019-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: CA

Complaint narrative:
I am a victim of identity theft, so I've reported it to the XXXX here in California. I did not authorize anyone to open or use accounts of anything in my name. These developments are new to as I have no knowledge of the debts nor did benefit in anyway. Under California law I have rights that protects me the consumer. I have the right to see any and all information of accounts of debts in entirely within 30 days. These accounts need to be removed from all credit agencies reporting it. Thank you again for your time and consideration in this matter. 
Respectfully, XX/XX/2019

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One issued a card to me, account no.XXXX.The card was subsequently stolen without any personal use by me.The thief used the card to about XXXX dollars.I was unaware of the theft or use until the payments were about 120 days late. 
I spoke to two different reps at Capital one, the first one in XXXX, the second one in English.Both reps said the same thing ... that the card would be closed for fraud..I wouldn't have to pay anything and another card would be reissued.This was not done, I was never re-issued a card, the balance on the credit report shows XXXX, yet the late payments show completely destroying my perfect credit as the only negative on my 3 bureau reports. 
Capital one has harmed me financially far worse than the XXXX dollars stolen from them. 
I have to rely on my wife 's good credit to function.I have recently made CFPB COMPLAINTS TO THE THREE BUREAUS:XXXX XXXX XXXX XXXX ... ..all three bureaus said the creditor verified my credit information as correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 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: AES/PHEAA
State: VA

Complaint narrative:
All three bureau have not updated my credit report regarding my credit history with XXXX XXXX for more than 10 year of establish credit history. 

XXXX has not investigated XXXX XXXX 's medical bill that is in collection which was paid for by Medicare and Medicaid. 

XXXX has not removed the bankruptcy from XXXX XXXX credit report after investigation show that the case is closed and dismiss. 

All three credit bureaus as nodt conducted investigations regarding all inquiries on all three credit reports. 

On XX/XX/XXXX my student loan that what's paid in full nevertheless none of the three credit report has my accounts il paid in full required by the law. 

On XX/XX/XXXX all three credit bureaus delete it my student loan credit history after making a payment and XX/XX/XXXX. 

All three credit bureaus has refused to conduct any investigation from XXXX to XXXX regarding student loan debt collection items and establish credit history There is no supporting facts to support that any investigation has been conducted. 

All three credit bureaus has refused to conduct investigation from XXXX to XXXX under the fcra I am XXXX  XXXX a limited on resources it has established my credit history why working with various difference institutions dividing my student loan debt nevertheless all three barrels are refusing to report accurate information from the department of education and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Grant Mercantile Agency
State: CA

Complaint narrative:
I have sent all additional information asked of me. Under California law as a victim of identity theft I would like to have this removed from my credit report and reporting agencies reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 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:
I have did as I was directed to do by XXXX California, XXXX, consumer affairs, creditors, and credit reporting agencies. Under California law I need the items in dispute removed from my credit report and any other credit reporting agencies as well please.

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 2019-04-05 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 have did as I was directed to do by FPD California, F.T.C., consumer affairs, creditors, and credit reporting agencies. Under California law I need the items in dispute removed from my credit report and any other credit reporting agencies as well please.

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 2019-04-05 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 have did as I was directed to do by FPD California, XXXX, consumer affairs, creditors, and credit reporting agencies. Under California law I need the items in dispute removed from my credit report and any other credit reporting agencies as well please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-05 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: KY

Complaint narrative:
I have disputed these accounts a few months ago, however the credit reporting agency has not reacted properly due to the fact that these are not mines and the reporting agencies never provided me with any type of certified documentation to support their claims of Verification. As stated within the laws of the FCRA if you can not provide the consumer with the Method Of Verification used in the investigation then these following accounts shall be blocked immediately and permanently. My identity has been compromised. Please delete these accounts 1 ) XXXX XXXX XXXX {$200.00} 2 ) XXXX XXXX  XXXX ) XXXX XXXX XXXX XXXX {$6100.00}, {$7700.00}, {$5300.00}, {$3500.00}, {$2400.00}, {$1100.00}, {$630.00}, {$240.00}, {$130.00}, {$1300.00}, {$1300.00}, {$2300.00}, {$6100.00}, {$4800.00}, {$3500.00}, {$3200.00}, {$3100.00}, I'm demanding that these accounts be removed.

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 2019-04-05 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:
I have disputed these accounts a few months ago, however the credit reporting agency has not reacted properly due to the fact that these are not mines and the reporting agencies never provided me with any type of certified documentation to support their claims of Verification. As stated within the laws of the FCRA if you can not provide the consumer with the Method Of Verification used in the investigation then these following accounts shall be blocked immediately and permanently. My identity has been compromised. Please delete these accounts 1 ) XXXX XXXX XXXX {$200.00} 2 ) XXXX XXXX XXXX ) Dept Of ED/ XXXX {$6100.00}, {$7700.00}, {$5300.00}, {$3500.00}, {$2400.00}, {$1100.00}, {$630.00}, {$240.00}, {$130.00}, {$1300.00}, {$1300.00}, {$2300.00}, {$6100.00}, {$4800.00}, {$3500.00}, {$3200.00}, {$3100.00}, I'm demanding that these accounts be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-05 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: KY

Complaint narrative:
I have disputed these accounts a few months ago, however the credit reporting agency has not reacted properly due to the fact that these are not mines and the reporting agencies never provided me with any type of certified documentation to support their claims of Verification. As stated within the laws of the FCRA if you can not provide the consumer with the Method Of Verification used in the investigation then these following accounts shall be blocked immediately and permanently. My identity has been compromised. Please delete these accounts 1 ) XXXX XXXX XXXX {$200.00} 2 )  XXXX/ XXXX XX/XX/XXXX ) Dept Of ED/ XXXX {$6100.00}, {$7700.00}, {$5300.00}, {$3500.00}, {$2400.00}, {$1100.00}, {$630.00}, {$240.00}, {$130.00}, {$1300.00}, {$1300.00}, {$2300.00}, {$6100.00}, {$4800.00}, {$3500.00}, {$3200.00}, {$3100.00}, I'm demanding that these accounts be removed.

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 2019-04-05 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:
Many attempts to fix this account but without any contact information it very tuff to make contact to update the situation at hand of my Identity theft and the errors involved.

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 2019-04-05 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:
Many attempts to fix this account but without any contact information it very tuff to make contact to update the situation at hand of my Identity theft and the errors involved.

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 2019-04-05 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: VA

Complaint narrative:
All three bureau have not updated my credit report regarding my credit history with XXXX XXXX for more than 10 year of establish credit history. 

Equifax has not investigated Mister XXXX 's medical bill that is in collection which was paid for by Medicare and Medicaid. 

Equifax has not removed the bankruptcy from mr. XXXX credit report after investigation show that the case is closed and dismiss. 

All three credit bureaus as nodt conducted investigations regarding all inquiries on all three credit reports. 

On XX/XX/XXXX my student loan that what's paid in full nevertheless none of the three credit report has my accounts il paid in full required by the law. 

On XX/XX/XXXX all three credit bureaus delete it my student loan credit history after making a payment and XX/XX/XXXX. 
All three credit bureaus has refused to conduct any investigation from XX/XX/XXXX to XX/XX/XXXX regarding student loan debt collection items and establish credit history There is no supporting facts to support that any investigation has been conducted.

All three credit bureaus has refused to conduct investigation from XX/XX/XXXX to XX/XX/XXXX under the fcra I am totally XXXX a limited on resources it has established my credit history why working with various difference institutions dividing my student loan debt nevertheless all three barrels are refusing to report accurate information from the department of education and XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-05 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I have a temoultuouls problem with Portfolio Recovery Associates. As an update to my credit report they have closed the account XXXX ( {$440.00} ) and XXXX ( {$450.00} ) with XXXX ; XXXX ( {$440.00} ) and XXXX ( {$450.00} ), with XXXX. I received a letter from them stating the account is still open but the bureaus are reporting these accounts closed. As a courtesy to me, I would like these accounts closed and deleted. I would not like to receive anymore letters from PRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
On Saturday XX/XX/XXXX, I paid the entire payoff balance of my loan which was {$6700.00}, {$2000.00} more than the balance remaining on the loan. I saw the payoff amount and paid that instead of the balance remaining. Notwithstanding, my experience with 5th 3rd has been the worst lending experience of my life, full of crooked fees, " computer '' and crediting errors and staff that mocks and disrespects their customers. 

On XX/XX/2019 I logged in to the account and it said I had a reaming balance of {$610.00} WHICH IS ABSOLUTELY ABSURD as I have already paid the PAYOFF BALANCE. This is just another example of a 5th 3rd SCAM.

Company response to consumer: Closed with explanation