vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-08 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: MS

Complaint narrative:
I am a victim of Identity theft and there is incorrect information reporting on my credit report that I have been disputing since XX/XX/2019. All of my dispute letters are mailed certified and I have all receipts of them being received. Ive done my part as a consumer and I still dont have any results. I have submitted my government inssued ID as well as police reports for these fraudulent accounts. These accounts do not belong to me and are very detrimental to my credit worthiness.Equifax wont even remove the fraudulent address being reported. When I file a dispute online its never available for me to view. Just like today there is a status that says a dispute was completed on XX/XX/2019 but the results are showing pending ... ... .why are the results pending if the investigation is complete?? I want these fraudulent accounts removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I normally don't have an issue with Trans Union but I have been disputing the same items on my report without any results or follow up since XX/XX/XXXX. I did call about 3 weeks ago and somehow the disputes were cancelled without my knowing and I don't know why. This year has been a strange one with the credit bureaus and I have been having some issues with all three. I cant access Trans Union online the website is always down and the reps keep saying that I have a dispute but have not receive any results for more than 60 days. I have started working on my credit as of XX/XX/2019 to get a mortgage and I keep running into these issues with the credit bureaus.

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 2019-12-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NY

Complaint narrative:
In XX/XX/XXXX, I submitted paper work to have my PSLF payments counted and certified ti make sure everything is on the right track towards having 120 qualifying payments. Since then Fed Loans keeps saying that the count is pending and keep giving me the run around. To date I should have either 94 or 95 qualifying payments. My account currently says that I have 9. 

Over the last 15 months I have been in contact with Fed Loans ' customer support on a bi-weekly basis both by phone and email. I even have a " case manager '' and have also escalated things to this case manager 's manager several months ago and they have still not been able to provide me with any information or to give me an accurate count of my loan payments. 15 months is a ridiculous amount of time to wait for this information. Currently, the case manager 's manager is dodging my calls. 

I even provided Fed loans with copies of my bank statements for the payments they were " supposedly missing information on '' to no avail. Attached I have complied an XXXX sheet of all payments known to me. I have bank statements proving all of these payments except the one from XX/XX/XXXX-XX/XX/XXXX. But I would imagine that the Loan companies which are supposed to be tallying these payments should have records of these payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-08 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1000.00}, {$300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$300.00} -This is not my account.

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 2019-12-08 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1000.00}, {$300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 1. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$300.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I leave a XXXX  or {$2.00} balance on my credit cards.. .as opposed to XXXX balance..

because I find it helps my credit score go up faster..

So Capitol One credit card decided to turn in a one day late {$2.00} balance..

It caused a 60 point drop in my credit score!!!! 

Is that fair?... I do not believe so... XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX, Date of Birth- XX/XX/XXXX, SSN # : XXXX, my current address is XXXX XXXX XXXX XXXX, XXXX , OH, XXXX. Please remove addresses that doesn't belong to me : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX. My current phone number:XXXX. Please remove phone number that doesn't belong to me : ( XXXX ) XXXX, ( XXXX ) XXXX.This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. Please delete/remove the following unverified accounts : ENHANCED RECOVERY COMPANY- account # : # XXXX, XXXX XXXX XXXX account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I requested for items to Be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter 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 2019-12-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Block, Inc.
State: TX

Complaint narrative:
I was unknowingly a victim of a scam on XX/XX/XXXX of this year through Cash App. Some guy named XXXX XXXX removed all of my money out of my account to buy bitcoins without my permission. I had a total of {$53.00} on my card and he left me with {$0.00}. Ive been contacting the cash app team so that I can get my money back. And its been extremely frustrating. They locked my account on Thursday due to unusual activity and I have find in the account that I can not use. This guy was supposed to be reactivating my old card because I found it after I requested a replacement. And he took my money without my permission instead. And he later called me from several numbers to make fun of what he did. And he also told me to download a XXXX XXXX to freeze my phone while he removed my money without my permission. I really do hope you guys can help get my money back, because I really need it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 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: PMAB,LLC
State: NC

Complaint narrative:
XXXX refuses to remove two accounts which are not mine. I disputed and they assume it is correct- IT IS NOT- I HAVE SPOKEN TO INDIVIDUALS IN XXXX, XXXX, XXXX AND  ITS NO WONDER MY CREDIT IS A MESS. THESE individuals speak little english and it is frustrating just for them to tell me they cant help me. How is it possible it takes someone 10 seconds to open a high intrest/credit card and me the rightful owner of the information almost a year to try and remove? This is a disgrace to anyone who works hard everyday and care about their credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I leave a XXXX  or {$2.00} balance on my credit cards.. .as opposed to XXXX balance..

because I find it helps my credit score go up faster..

So XXXX XXXX credit card decided to turn in a one day late {$2.00} balance..

It caused a 60 point drop in my credit score!!!!

Is that fair?... I do not believe so... 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 2019-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I leave a XXXX  or {$2.00} balance on my credit cards.. .as opposed to XXXX balance..

because I find it helps my credit score go up faster..

So XXXX XXXX credit card decided to turn in a one day late {$2.00} balance..

It caused a 60 point drop in my credit score!!!!

Is that fair?... I do not believe so... XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I leave a XXXX  or {$2.00} balance on my credit cards.. .as opposed to XXXX balance..

because I find it helps my credit score go up faster..

So XXXX XXXX credit card decided to turn in a one day late {$2.00} balance..

It caused a 60 point drop in my credit score!!!!

Is that fair?... I do not believe so... 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 2019-12-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Outsource Group, Inc
State: NC

Complaint narrative:
MEDICREDIT , INC . 
{$51.00} XXXX XXXX XXXX No knowledge of debt and collection agency.

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 2019-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XX/XX/19 I complained that transunion sent a credit report with name but someone elses info, and this person had filed banruptcy. I notified them and they explained that my file was not merged- but then A freeze, fraud alert and extended fraud alert placed without my consent. The freeze they placed was a military freeze- which as a XXXX yr old woman who has not ever been in the military is bizarre- I feel this is a retaliation due to me exposing them of their carelessness of my report. They refused to remove, I have sent in my drivers license and social security card and my ID is the real ID with star. as of this complaint it still is there, And I dont have a pin to remove, they wont remove and I am furious that my credit file is a mess, and I cant even go online because its locked.

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 2019-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX I have requested several times to REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My SS XXXX and my is DOB XX/XX/XXXX. I have attached my bank SS Card and DL for proof of ID

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 2019-12-09 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter 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 2019-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX I have requested several times to REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My SS XXXX and my is DOB XX/XX/XXXX. I have attached my bank SS Card and DL for proof of ID

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX I have requested several times to REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My SS XXXX and my is DOB XX/XX/XXXX. I have attached my bank SS Card and DL for proof of ID

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 2019-12-09 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: MN

Complaint narrative:
The following accounts are lost/stolen and fraudulent charges and transactions are on the accounts : XXXX XXXX/XXXX, {$3400.00} and XXXX XXXX  XXXX, {$1400.00}. The following accounts are fraudulent, unauthorized and not my accounts : XXXX XXXX XXXX XXXX {$1800.00}, XXXX XXXX XXXX XXXX VISA, {$270.00} and XXXX XXXX XXXX XXXX, {$30000.00}. The following credit inquiries are unauthorized and fraudulent : XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX ( XXXX XXXX ),  XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX and XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Company still says debt is valid as well as accurate information on my report with proof. However the debt owed isn't correct so I'm asking for complete deletion from all reports

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 2019-12-09 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion refuses to give me a copy of my credit report. There's a lot of false, fake, incorrect information inside the " Personal Information '' section of my credit report. TransUnion refuses to give me a copy of my credit report, and refuses to remove the false information, and refuses to update my personal information. I am especially concerned about the fake address on my credit report. I have never lived in XXXX, Tennessee, and that address is listed on my credit report. TransUnion refuses to remove that address. I want to find out the full details about who put the XXXX address on my credit report. I want to emphasize that TransUnion has refused to give me a copy of my credit report for more than 10 years.

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 2019-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company:  Lippman Recupero, LLC
State: AZ

Complaint narrative:
XX/XX/19 - I received a letter from Lippman Recupero stating that an amount of {$3700.00} is owed to creditor XXXX XXXX XXXX XX/XX/19 - Certified mail received by Lippman Recupero requesting the following information : The name and address of the original creditor, the account number, and the amount owed. 
Verification that there is a valid basis for claiming I am required to pay the current amount owed. 
Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. 
Whether this debt is within the statute of limitations and how that was determined. 
Details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. 

XX/XX/19 - I received a list of charges on a move out statement. No additional information was provided XX/XX/19 - Certified letter delivered requesting additional information as no questions asked were addressed XX/XX/19 - I received the same statements of move out charges. No additional information was provided

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation