vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX my SS XXXX my DOB is XX/XX/XXXX. I have old and unknown addresses appearing on my credit report. The following addresses are not mine they are inaccurate please delete : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX I have several number that are not mines on my credit report that need to be deleted the following numbers are not mine ( 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.

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 2019-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX my SS XXXX my DOB is XXXX. I have old and unknown addresses appearing on my credit report. The following addresses are not mine they are inaccurate please delete : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX I have several number that are not mines on my credit report that need to be deleted the following numbers are not mine ( 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26 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: HCFS Healthcare Financial Services of TeamHealth
State: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section XXXX, subsection ( XXXX ) ( A ). 
However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX # XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) ARS failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. XXXX # XXXX is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where XXXX # XXXX is in compliance with OHIO LAW. I  also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. XXXX has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26 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: OH

Complaint narrative:
I have several account on my credit report that should have been removed they where settled with the original Creditor and paid in full I would like these items removed they are not accurate please delete/remove the following account : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX I have some issues with unauthorized checks being used on my account and and these have all been settled. I am in the process of buying my home and I would truly like these resolved items removed from my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: NY

Complaint narrative:
My XXXX payments are loaded on to a XXXX XXXX debit card managed y Coamerica Bank. On XX/XX/XXXX i was notified of a transaction in the sum of {$900.00} made at XXXX XXXX XXXX in XXXX XXXX NY. I called immediately on XX/XX/XXXX to report this fraudulent transaction as i live in XXXX  ny and have never even been in XXXX XXXX NY ( near XXXX XXXX XXXX ). They told me that they could not open a dispute until the transaction cleared. I called the following day at which time the transaction had processed and I could file a dispute, dispute number XXXX. I cancelled my card and they issued a new card via XXXX  for a charge of XXXX, They also said i needed to complete a fraud questionnaire which i promptly completed on XX/XX/XXXX and sent back to them by fax on XX/XX/XXXX and mailed by usps certified mail return receipt. They said on XX/XX/XXXX they fad not received my fax and i sent it to them again on XX/XX/XXXX. I called customer service and i seem to get the runaround. This was a totally fraudulent transaction. 
I am looking for a provisional credit. This my social security XXXX money and this is how i live and pay my bills. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
On XX/XX/2019 I mailed a letter, through USPS Certified Mail, to Portfolio Recovery Associates, LLC, which they received XX/XX/2019, and explained that the account they are reporting is due to Identity Theft. Ive also included FCRAs Notice to Furnishers of Information and they still ignored it and from my understanding the are breaking the law  by continuing reporting this fraudulent account to credit bureaus. They updated my credit report with the following remark ; Dispute Resolved : Customer Disagrees on XX/XX/2019. This is a fraudulent account and Portfolio Recovery ignored my Identity Theft letter and are currently still reporting on my crdit report for {$170.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26 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: OH

Complaint narrative:
I have several account on my credit report that should have been removed they where settled with the original Creditor and paid in full I would like these items removed they are not accurate please delete/remove the following account : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX I have some issues with unauthorized checks being used on my account and and these have all been settled. I am in the process of buying my home and I would truly like these resolved items removed from my credit report!

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 2019-01-26 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: OH

Complaint narrative:
I have several account on my credit report that should have been removed they where settled with the original Creditor and paid in full I would like these items removed they are not accurate please delete/remove the following account : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX & AXXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX I have some issues with unauthorized checks being used on my account and and these have all been settled. I am in the process of buying my home and I would truly like these resolved items removed from my credit report!

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 2019-01-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I CAN NOT believe that TransUnion is STILL reporting the account XXXX XXXX although I have pointed out SEVERAL inaccuracies with this account. How can TransUnion verify inaccurate information as accurate? By law it is TransUnions job to ONLY allow accurate and correct information to be entered onto my credit report. How can this account come back as verified? I disputed this account XXXX and XXXX. I am challenging this account for the third time. 

I am challenging this account for the following reasons : There should be no past due on a charged off/closed account yet Transunion lists a past due amount of {$530.00}. How is this accurate? 

Each bureau lists a different open date. XXXX XX/XX/XXXX, XXXX XX/XX/XXXX/TransUnion XX/XX/XXXX. How is this accurate? 

TransUnion lists that the last payment was made on XX/XX/XXXX yet the payment history shows that the account was paid satisfactory from XX/XX/XXXX-XX/XX/XXXX. How is that possible if the account was charged off? How is this accurate information?

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 2019-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/2019 I mailed a letter, through USPS Certified Mail, to XXXX XXXX XXXX, XXXX, which they received XX/XX/2019, and explained that the account they are reporting is due to Identity Theft. Ive also included FCRAs Notice to Furnishers of Information and they still ignored it and from my understanding the are breaking the law by continuing reporting this fraudulent account to credit bureaus. They updated my credit report with the following remark ; Dispute Resolved : Customer Disagrees on XX/XX/2019. This is a fraudulent account and XXXX XXXX ignored my Identity Theft letter and are currently still reporting on my crdit report for {$170.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I CAN NOT believe that EQUIFAX is STILL reporting the account XXXX XXXX although I have pointed out SEVERAL inaccuracies with this account. How can Equifax verify inaccurate information as accurate? By law it is Equifaxs job to ONLY allow accurate and correct information to be entered onto my credit report. How can this account come back as verified? I disputed this account XXXX and XXXX. I am challenging this account for the third time. I am challenging this account for the following reasons : There should be no past due on a charged off/closed account yet Equifax lists a past due amount of {$530.00}. How is this accurate? 

Each bureau lists a different open date. XXXX  XX/XX/XXXXXX/XX/XXXX/Equifax XX/XX/XXXX, XXXX XX/XX/XXXX. How is this accurate? 

XXXX  lists that the last payment was made on XX/XX/XXXX yet the payment history shows that the account was paid satisfactory from XX/XX/XXXX-XX/XX/XXXX. How is that possible if the account was charged off? How is this accurate information?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26 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: AR

Complaint narrative:
I have been trying to work with Equifax with getting this account removed from my report, they always say the information will be removed or they'll follow up with me but they don't. I reported this information on XX/XX/XXXX and was told that my documentation was mailed out on XX/XX/XXXX and I have yet to received that information yet as of XX/XX/XXXX. I have contacted the bureau and the original creditor several times in regards to this situation with no response and I do not want to be held accountable for something that isn't mines. I have sent a method of verification on XX/XX/XXXX with no response to Equifax. I just want the account to be removed and from under my name and my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
A fraud restriction was placed on the capital One account. Account holder and authorized user submitted all documents along with a bank I.D . Verification. Which was validated but unacceptable. Fraud restriction still in place and reported to bureaus as open 30days late even and no fraud statement or even account may be fraudulent. Primary holder never received credit card statement or balance ever. The Balance was paid in full and still reporting {$1400.00} with late payment status. COne was notified to note that no access to statement and pay information could result in negative outcomes

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I disputed these unauthorized inquiries months ago, however, the credit agencies investigation came back verified. Now I'm requesting the Method Of Verification, who verified these inquiries, and I'm requesting the physical documentation of verification or as stated in the FCRA, if not then these following inquires shall be blocked/ removed. 

1 ) XXXX  ( XX/XX/XXXX ) 2 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 3 ) XXXX ( XX/XX/XXXX ) 4 ) XXXX XXXX ( XX/XX/XXXX ) 5 ) XXXX XXXX ( XX/XX/XXXX ) 6 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 7 ) XXXX/XXXX  ( XX/XX/XXXX ) 8 ) XXXX XXXX   ( XX/XX/XXXX ) ( XX/XX/XXXX ) 9 ) XXXX XXXX ( XX/XX/XXXX ) ( XX/XX/XXXX) 10 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 11 ) XXXX XXXX ( XX/XX/XXXX ) 12 ) XXXX XXXX ( XX/XX/XXXX ) ( XX/XX/XXXX 13 ) XXXX XXXX ( XX/XX/XXXX ) 14 ) XXXX XXXX ( XX/XX/XXXX ) 15 ) XXXX XXXX ( XX/XX/XXXX ) 16 ) XXXX ( XX/XX/XXXX ) 17 ) XXXX XXXX ( XX/XX/XXXX ) 18 ) XXXX XXXX ( XX/XX/XXXX ) 19 ) XXXX  ( XX/XX/XXXX ) ( XX/XX/XXXX ) 20 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 21 ) XXXX XXXX ( XX/XX/XXXX ) 22 ) XXXX XXXX ( XX/XX/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 2019-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
A fraud restriction was placed on the XXXX  XXXX account. Account holder and authorized user submitted all documents along with a bank I.D . Verification. Which was validated but unacceptable. Fraud restriction still in place and reported to bureaus as open 30days late even and no fraud statement or even account may be fraudulent. Primary holder never received credit card statement or balance ever. The Balance was paid in full and still reporting {$1400.00} with late payment status. XXXX was notified to note that no access to statement and pay information could result in negative outcomes

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 2019-01-26 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: EQUIFAX, INC.
State: AL

Complaint narrative:
The credit bureaus involved have not properly investigated my dispute of bankruptcy which appears on my credit report. The bureaus are relying on third party information. Per FCRA 611 Paragraph ( 6 ) ( B ) ( iii ), I am requesting a description of the procedure used to drtermine the accuracy and completeness of the disputed bankruptcy. Method of Verification should include the following : Name of courthouse, persons name who verified the dispute, address, phone number, and documentation used to verify the dispute. 
I also request the bankruptcy be deleted if you do not provide the method of verification. Further legal action will be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
The credit bureaus involved have not properly investigated my dispute of bankruptcy which appears on my credit report. The bureaus are relying on third party information. Per FCRA 611 Paragraph ( 6 ) ( B ) ( iii ), I am requesting a description of the procedure used to drtermine the accuracy and completeness of the disputed bankruptcy. Method of Verification should include the following : Name of courthouse, persons name who verified the dispute, address, phone number, and documentation used to verify the dispute. 
I also request the bankruptcy be deleted if you do not provide the method of verification. Further legal action will be taken.

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 2019-01-26 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: AL

Complaint narrative:
The credit bureaus involved have not properly investigated my dispute of bankruptcy which appears on my credit report. The bureaus are relying on third party information. Per FCRA 611 Paragraph ( 6 ) ( B ) ( iii ), I am requesting a description of the procedure used to drtermine the accuracy and completeness of the disputed bankruptcy. Method of Verification should include the following : Name of courthouse, persons name who verified the dispute, address, phone number, and documentation used to verify the dispute. 
I also request the bankruptcy be deleted if you do not provide the method of verification. Further legal action will be taken.

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 2019-01-26 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
XXXX XXXX keeps calling my Relatives and family.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I disputed these unauthorized inquiries months ago, however, the credit agencies investigation came back verified. Now I'm requesting the Method Of Verification, who verified these inquiries, and I'm requesting the physical documentation of verification or as stated in the FCRA, if not then these following inquires shall be blocked/ removed. 

1 ) XXXX  ( XX/XX/XXXX ) 2 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 3 ) XXXX  ( XX/XX/XXXX ) 4 ) XXXX XXXX ( XX/XX/XXXX ) 5 ) XXXX XXXX ( XX/XX/XXXX ) 6 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 7 ) XXXX/XXXX  ( XX/XX/XXXX ) 8 ) XXXX XXXX   ( XX/XX/XXXX ) ( XX/XX/XXXX ) 9 ) XXXX XXXX ( XX/XX/XXXX ) ( XX/XX/XXXX ) 10 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 11 ) XXXX XXXX ( XX/XX/XXXX ) 12 ) XXXX XXXX ( XX/XX/XXXX ) ( XX/XX/XXXX 13 ) XXXX XXXX ( XX/XX/XXXX ) 14 ) XXXX XXXX ( XX/XX/XXXX ) 15 ) XXXX XXXX ( XX/XX/XXXX ) 16 ) XXXX  ( XX/XX/XXXX ) 17 ) XXXX XXXX ( XX/XX/XXXX ) 18 ) XXXX XXXX ( XX/XX/XXXX ) 19 ) XXXX ( XX/XX/XXXX ) ( XX/XX/XXXX ) 20 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 21 ) XXXX XXXX ( XX/XX/XXXX ) 22 ) XXXX XXXX ( XX/XX/XXXX )

Company response to consumer: Closed with explanation