vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-01 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:
This is my second time disputing these accounts that is showing on my report inwhich is not mines and possibly could be the after affect of XXXX breach, I been told that these accounts been verified, but the real question is verified by who and supported by what physical documentation. According to the F.C.R.A., once disputed and not physically verified the reporting agency is to remove it from ones report. However, this is a serious issue when one doesn't comply. The accounts that's in question and needs to be removed are XXXX XXXX XXXX, and all of the 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 2018-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX  this show information it have payment same XXXX XXXX XXXX   and 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 2018-05-01 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:
There's accounts on my report inwhich I have no knowledge of, however the credit agencies are constantly reporting information inwhich is not backed up by any type of physical documentation and if so still wasn't provided to me by either reporting agency. This is indirect opposition to the language of the FCRA, it clearly states that if you can not provide this information in physical form then you must STOP reporting it, XXXX, XXXX and Transunion. And the account in question is XXXX XXXX XXXX and all Inquiries dated XX/XX/XXXX, XX/XX/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 2018-05-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I HAVE BEEN CHARGED THREE TIMES FOR A FREE CREDIT REPORT. 

ON XX/XX/XXXX CHARGED {$12.00} FOR FREE CREDIT REPORT AND I HAVE NOT RECEIVED IT WEB SITE ASKED FOR VERIFICATION PURPOSES I SUBMIT MY CREDIT CARD ON XX/XX/XXXX CHARGED {$1.00} FOR FREE CREDIT REPORT AND I HAVE NOT RECEIVED THE REPORT WEB SITE ASKED FOR VERIFICATION PURPOSES I SUBMIT MY CREDIT CARD ON XX/XX/XXXX CHARGED {$21.00} FOR FREE CREDIT REPORT AND I HAVE NOT RECEIVED IT WEB SITE ASKED FOR VERIFICATION PURPOSES I SUBMIT MY CREDIT CARD UNABLE TO REACH ANYONE ON THE TELEPHONE I AM A XXXX XXXX   VETERAN

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 2018-05-01 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:
There's accounts on my report inwhich I have no knowledge of, however the credit agencies are constantly reporting information inwhich is not backed up by any type of physical documentation and if so still wasn't provided to me by either reporting agency. This is indirect opposition to the language of the FCRA, it clearly states that if you can not provide this information in physical form then you must STOP reporting it, Equifax, XXXX and XXXX. And the account in question is XXXX XXXX XXXX and all Inquiries dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-01 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:
There's accounts on my report inwhich I have no knowledge of, however the credit agencies are constantly reporting information inwhich is not backed up by any type of physical documentation and if so still wasn't provided to me by either reporting agency. This is indirect opposition to the language of the FCRA, it clearly states that if you can not provide this information in physical form then you must STOP reporting it, XXXX, Experian and XXXX. And the account in question is XXXX XXXX XXXX and all Inquiries dated XX/XX/XXXX, XX/XX/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 2018-05-01 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: Midwest Recovery Systems
State: TX

Complaint narrative:
COLLECTION COMPANY 'S XXXX XXXX XXXX XXXX FLORIDA XXXX XXXX.

ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX  {$810.00} DATE ACCT OPENED XX/XX/XXXXREPORTED AS OPENED XX/XX/XXXX ON CREDIT REPORT.

MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ORIGINAL CREDITORS XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX {$430.00} XXXX XXXX OPENED XX/XX/XXXX {$700.00} XXXX XXXX XXXX  OPENED XX/XX/XXXX {$430.00} REPORTED AS OPENEDXX/XX/XXXX AND XX/XX/XXXXON XXXX, XXXX XXXX.

I have filed dispute on this accounts for a couple of years but because the collection agencies keep passing to other collection agencies I have to start the whole process over and never seem to get it resolved. I have contacted both of this and explained how I have been disputing the collections they have with previous collection companies but they pass it to other collection agencies so I have to start the process over and want answers as to why they are reporting to credit agencies with wrong date of collection when the original date is showing as the date they received account not when account was opened, I also asked if they had a surety bond with the state of Texa as third party collection agency must have a XXXX  surety bond in Texas, XXXX collector nor supervisor didn t know what I was talking about. I then went onto explain that I have been trying to resolve this collections due to having my purse stolen in XX/XX/XXXXand have been having issues but because they are illegally reporting with incorrect dates causing me to get this off my credit report for the past 6yrs. Due to this collection companies reporting incorrect dates I have not been able to proceed in purchasing a home because of there incorrect reporting is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 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: MO

Complaint narrative:
I have multiple inquiries on my report that is not of my own doing, I'm trusting that this will not be a long fought battle with the 3 major trusting reporting agencies that we all depend on to report accurate information that's proving by physical documentation. Inwhich is the law of the FCRA, the following Inquiries in question are the ones with the following dates,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 2018-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
USAA closed all of my bank and credit accounts without warning or reason.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 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: MO

Complaint narrative:
I have multiple inquiries on my report that is not of my own doing, I'm trusting that this will not be a long fought battle with the 3 major trusting reporting agencies that we all depend on to report accurate information that's proving by physical documentation. Inwhich is the law of the FCRA, the following Inquiries in question are the ones with the following dates, XXXX, XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have multiple inquiries on my report that is not of my own doing, I'm trusting that this will not be a long fought battle with the 3 major trusting reporting agencies that we all depend on to report accurate information that's proving by physical documentation. Inwhich is the law of the FCRA, the following Inquiries in question are the ones with the following dates, 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 2018-05-01 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:
The following accounts do not belong to me but yet the credit agencies are still reporting them without providing me any proof whatsoever besides coming back saying the account has been verified, by verified by whom and with what documents inwhich was never provided to me, in order for these agencies to continue to report one sided information with really conducting an investigation should be held responsible and action taking against them, the accounts I'm saying is not mines dates are XX/XX/XXXX, more specifically XXXX XXXX and XXXX XXXX. Its not my job to XXXX  a collection company, its XXXX XXXX   and Transunion job to report accurate information inwhich should be accompanied by physical documentation when reporting anything. What you report affects people livelihood and the XXXX breach was very real so please take inconsideration that all is possible. The FCRA requires that each account is provided with physical verification, or the account must 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 2018-05-01 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: FL

Complaint narrative:
UNABLE TO DISPUTE AND HAVE NOT BEEN NOTIFIED OF THE RESULT OF TWO DISPUTES NO VERIFICATION AND NO EXPLANATION OF HOW THE DISPUTE WAS CONDUCTED THERE IS NOT PROOF NO VERIFICATION THAT ACCOUNTS ON THE DISPUTE ARE MINE UNABLE TO REACH ANYONE ON THE TELEPHONE

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 2018-05-01 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:
The following accounts do not belong to me but yet the credit agencies are still reporting them without providing me any proof whatsoever besides coming back saying the account has been verified, by verified by whom and with what documents inwhich was never provided to me, in order for these agencies to continue to report one sided information with really conducting an investigation should be held responsible and action taking against them, the accounts I'm saying is not mines dates areXX/XX/XXXXXXXX  more specifically XXXX XXXX, and XXXX XXXX. Its not my job to chase a collection company, its XXXX Experian, and XXXX job to report accurate information inwhich should be accompanied by physical documentation when reporting anything. What you report affects people livelihood and the XXXX  breach was very real so please take inconsideration that all is possible. The FCRA requires that each account is provided with physical verification, or the account must 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 2018-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I HAVE NO KNOWLEDGE OF THIS LOAN. UNABLE TO RECEIVE VERIFICATION -- - PROOF THAT THIS LOAN IS MINE I MADE SEVERAL REQUEST FOR DOCUMENTATION SOMETHING ANYTHING THAT PROVES THIS IS MY LOAN AND NOTHING HAPPENS, ON THE TELEPHONE THEY LAUGH AT ME AND HANG UP WHEN I WROTE LETTERS I GET NOT REPLY. 
IF THIS IS MY AUTO LOAN THEN I WOULD HAVE SIGNED SOMETHING.WHEN THIS LOAN WAS MADE I HAD NO DRIVER LICENSE. HOW CAN THIS BE I DONT KNOW WHAT TO DO ANYMORE IM TRYNG TO GET STUDENT LOAN TO GO BACK TO COLLEGE AND BEING DENIED STUDENT LOAN BECAUSE OF THIS FRAUD LOAN.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Sterling Infosystems Inc.
State: TN

Complaint narrative:
I have never lived or even been to XXXX XXXX Mississippi but I was checked for criminal activity in that county the same as my other previous addresses as if I have lived there, I have had previously had issues with my social security number being used in places where I have never been and wasn't sure how to fix it. Not sure if it is related but I figured I'd let you know in case you can help with that also ...

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 2018-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: TX

Complaint narrative:
This debt has been paid in full!!

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 2018-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I applied for a XXXX credit card inXX/XX/XXXX When I applied the promotional offer included 1 free anniversary night at ANY hotel of theirs. In XX/XX/XXXX I received a letter that they changed the promotion and it is 1 free anniversary night in a hotel up to 40,000 points. BUT if you apply for a new card fromXX/XX/XXXX to XX/XX/XXXX then you will get the old promotional offer of 1 anniversary night at ANY hotel of theirs.

I called Chase and they told me it was an XXXX issue. I called XXXX and spoke to three representatives, 2 of them managers from XXXX. They stated that the small print in the application said they can change the terms. So I explained that it seemed unethical to change the terms for people who applied for the card fromXX/XX/XXXX- XX/XX/XXXX and then change it back for people who applied XX/XX/XXXX- XX/XX/XXXXjust so they can encourage people to sign up to the card. I told them that if the promotion was changed for me then it should be for everyone and why was I being penalized for applying for the card a little more than 2 months earlier and spending money on it? Both supervisors were rude ( XX/XX/XXXX ) and one spent half an hour telling me that its the same promotion since we both get a free night.

I stated several times that it seems very unethical and a fraudulent practice or at the very least dishonest to exclude JUST the customers from XX/XX/XXXXto XX/XX/XXXXwho applied for the card in good faith that XXXX   would honor their promotional offers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-01 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: FL

Complaint narrative:
Transunion credit report result on XXXX XXXX XXXX2018 I am requesting a method of verification for XXXX XXXX XXXX. so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate this dispute. I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record.

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 2018-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: FM

Complaint narrative:
After attempting several time to contact XXXX XXXX about a collection on my credit report I contacted my insurance company and after long holds on phone they got thru and stayed on the line with me and resolved any and all debt owed to them. This was on XXXX2018..

After all debt was cleared up the collection agency posted a new debt on my credit report. I called the collection agency and they informed me XXXX XXXX   reported a new debt to them.

I called my insurance company again and after long hold I was assured there is no responsibility on my part to them and everything was paid in full.

I just received a bill from the collection agency ( via mail ) for the entire amount that was owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 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: FL

Complaint narrative:
Equifax credit report result on XXXX XXXX2018 I am requesting a method of verification for XXXX XXXX XXXX so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate this dispute. I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: VW Credit
State: VA

Complaint narrative:
I contacted the company to extend the loan. The representative stated I had to pay a fee that was deducted from my account and my next payment was not due until XX/XX/XXXX. When I called on XX/XX/XXXX the recording said my payment was 32 days delinquent I spoke to a representative who stated I was suppose to complete a form within 15 days I advised we never received a form and I wasn't told I needed to fill one out. They wrongfully reported to my credit which dropped my score 65 points! We have been on time with our payments and catching up to trade it in and they are ruining my score purposely so they dont have to trade it!! They said they needed to see 6 months of on time payments and now this!!

Company response to consumer: Closed with monetary relief