vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC
State: CA

Complaint narrative:
I received a notice for a {$260.00} bill owed to XXXX  for cable service. I contacted MRS BPO and paid the amount around XX/XX/2021. I was told it would take 30 days to update my credit report. 
I contacted MRS BPO around XX/XX/2021 when the item was still showing on my credit report. I was given the run around as to why this is still showing up. I requested it to be updated, as it was paid and I am looking to purchase a home. The agents were really rude and after about an hour of callig back I finally got someone who seemed to be cooperative. I was told she was unsure why it wasn't updated and she would send it to the department to be updated. I also never received the letter in the mail that this was paid. 
I disputed this with XXXX XXXX for the information being inaccurate. As of today XX/XX/2021, XXXX XXXX is stating that the information reported was verified and considerted accurate. I just want my credit report updated so that I can move on with my life.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
This is my 2nd time reaching out to you and no accounts were deleted. This letter is a formal complaint that you are committing identity theft. You have failed to produce any documentation that shows I directly gave your company written authorization to place these items on my credit report. 
I am upset that you have included the information below in my credit profile. There are laws for credit reporting that ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed in the documents.

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 2021-08-09 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I submitted a letter on XX/XX/2021, about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 60 days. I feel as though I'm being used and that my complaints are being ignored. I demand that these accounts be removed immediately, or I will file a litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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 do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. 

I believe that someone else may have a relative that may have forged my name XXXX or used my personal information ) in order to take out credit without my knowledge, consent and permission.

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 2021-08-09 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: FL

Complaint narrative:
I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. 

I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: MS

Complaint narrative:
XXXX, Equifax and XXXX  have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2021, I wrote to you requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed I file a dispute in regard to incorrect items on my credit report it has been well over 30 days and I've not receive any investigation results.15 U.S. Code 1681i - Procedure in case of disputed accuracy

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: CA

Complaint narrative:
I have sent several letters asking them how they verified a bankruptcy and always come back as verified accurate, I call the local US bankruptcy court and they have emphatically stated that NO ONE for any of these Bureaus, XXXX, TRANSUNIOON or XXXX  have called once to verify the information. They are using a third party data base as i am thinking to gather or verify this type of inaccurate 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 2021-08-09 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: CA

Complaint narrative:
I have sent several letters asking them how they verified a bankruptcy and always come back as verified accurate, I call the local US bankruptcy court and they have emphatically stated that NO ONE for any of these Bureaus, XXXX, XXXX  or Equifax have called once to verify the information. They are using a third party data base as i am thinking to gather or verify this type of inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: MN

Complaint narrative:
Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX Ph # : XXXX Email : XXXX RE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NY XXXX XXXX This letter is to inform you that I received today that you have resolved the incorrect reporting to my XXXX  report, that was now corrected after filling a complaint with consumer reporting. I now have attached documents to show that you are now reporting incorrectly for Equifax, I am now opening up another complaint, I dont know why you guys cant seem to report accurately that this account is closed down since XXXX. I now show that you have reported that I made an active payment in XXXX of XXXX. How can this be possible if the card has been closed since XXXX. I will now file a complaint with the creditor, the consumer complaint department, XXXX  ; until you also resolve this matter. I have attached a copy stating that it was an error on your end and the account wasnt closed down entirely which created the inaccurate payments to my credit report. I am requesting and demanding you also correct Equifax as now my score has dropped due your oversight, and if the same things happen to my XXXX  report I will open up a dispute on that account as well. 

PLEASE REMOVE ALL PAYMENTS/ MISSED OR NON-MISS PAYMENTS FROM THE YEARS XXXX & XXXX. AS THIS ACCOUNT HAS BEEN CLOSED SINCE XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: TD BANK US HOLDING COMPANY
State: PR

Complaint narrative:
In XX/XX/XXXX, I asked for a credit report and I realized that I had an account that did not belong to me in the credit report. This account is from Nordstrom for the amount of {$730.00} dollars that someone fraudulently used and stole my identity, according to the credit report it was opened in XX/XX/XXXX. From that moment I tried several times to make a dispute through all the companies of I have credit to have my accounts deleted and the companies XXXX  and XXXX  solved my problem and deleted them. I tried three times by XXXX  making disputes through their website and they denied it. I made a certified written letter on XX/XX/XXXX, asking them to solve the problem and today, XX/XX/XXXX, they told me that the company said that it was not going to delete my account and that they could not do anything. Make a complaint on the website www.ftc.com and send the complaint for identity theft and fraud to the XXXX  website to have the problem resolved. I have been trying since XX/XX/XXXX to have that account deleted that someone used and stole my identity to open it and use the card in my name to make purchases and left a balance of {$730.00} dollars that I never used. I have tried a XXXX ways to solve the problem and both Nordstrom and XXXX, which is the only one that has refused to delete this account, since the other two companies XXXX  and XXXX  deleted it and XXXX  doesn't helped me and I asked that they provide information and evidence that account was mine and they just said they weren't going to delete it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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 — Investigation took more than 30 days
Company: United Revenue Corporation
State: LA

Complaint narrative:
I have an account from United revenue Corp I have no knowledge of this account it isnt mine!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
Navient is still making harassing phone calling to my messaging phone number leaving messages and using this tactic to make sure there phone number do not show up. 
Navient is still emailing me about my loan payment, and when I look at my credit report it shows a negative amount and it is causing problems with my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
This is my 2nd time reaching out to you and no accounts were deleted. This letter is a formal complaint that you are committing identity theft. You have failed to produce any documentation that shows I directly gave your company written authorization to place these items on my credit report. 
I am upset that you have included the information below in my credit profile. There are laws for credit reporting that ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed in the documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Lost my job due to covid-19 can't pay my overdraft

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 2021-08-09 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
These accounts, I feel, are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 50 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: TN

Complaint narrative:
The address associated with the account I have never lived at and the loan is not mine I spoke with ad Astra collections and explained to them that the address was not mine nor am I associated with the address and I want it removed from my credit repot

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
These accounts, I feel, are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 50 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the XXXX  you have caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: FL

Complaint narrative:
I have attached an account reporting to all three of my credit bureaus inaccurately, and per the FCRA anything reporting to all three of my credit bureaus should be reported 100 % accurate. I have attached a picture of the account with the highlighted discrepancies. Please delete this account asap.

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 2021-08-09 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have an account from XXXX XXXX XXXX I have no knowledge of this account it isnt mine!

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 2021-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
The debt was submitted to the CFPB for harrasment, After a long drawn out sitiuation the synchrony bank represented by XXXX XXXX agreed for a settlement of {$230.00} which was paid by cheque as a settlement for accounts written on her letterhead as accounts XXXXand accounts XXXX. 
This payment was in full and final settlement. 
The bank is now claiming one account was paid and the other still owes. 
This is a misrepresentation and is untrue. 
I would not have paid for only half a settlement.

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 2021-08-09 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:
Someone is attempting to open accounts in my name which is fraud. Please delete these request.

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