vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-29 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: CITIBANK, N.A.
State: FL

Complaint narrative:
1. CBNA 2. 2nd XXXX XXXX XXXX To whom it may concern I believe these inquiries are due to the XXXX breach and they we 're made without my consent. 
I would like to know what application are you talking about sir. I am unaware of any applications you 're talking about. Did n't sign up for nothing is what I 'm saying to you and you 're basically accusing me of being a part of a Costco account. No I do n't know what Costco is and I do n't appreciate you accusing me. If i 'm not aware of something you ca n't force anything to be mine. That is down right ridiculous and no I did n't sign up for any credit cards. I do n't need to do so I 'm debt free and want to remain that way. So I 'm asking you to stop accusing me. It is a fraudulent inquiry and it is to be removed immediately because it violates the law in FCRA section 609.

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 2017-09-29 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: CA

Complaint narrative:
Regaurding my XXXX account XXXX XXXX XXXX XXXX for a XXXX account, it shows the account late last XXXX. I have had numerous calls with XXXX and they agree this is at their fault and have agreed to remove the late stature for XXXX. Please reflect this and the jointly agreed upon decison

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 2017-09-29 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: CA

Complaint narrative:
Regaurding my XXXX account XXXX XXXX XXXX XXXX for a XXXX account, it shows the account late last XXXX. I have had numerous calls with XXXX and they agree this is at their fault and have agreed to remove the late stature for XXXX. Please reflect this and the jointly agreed upon decison

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 2017-09-29 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: CA

Complaint narrative:
Regaurding my XXXX account XXXX XXXX XXXX XXXX for a XXXX account, it shows the account late last XXXX. I have had numerous calls with chase and they agree this is at their fault and have agreed to remove the late stature for XXXX. Please reflect this and the jointly agreed upon decison

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Netspend Corporation
State: KS

Complaint narrative:
Netspend completely lock me out of my prepaid card account. I have had a few deposits and refunds sent to the card not knowing I could be revoked access to my prepaid card account and any deposits that where sent to the debit card 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 2017-09-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: UT

Complaint narrative:
Back in XXXX, I was admitted to XXXX XXXX to receive treatment for XXXX. I had to visit the ER 3 times, and not once did anyone tell me that my insurance was covered. When I talked to my father about it all, he said that he took care of it all and that he paid it. I am a XXXX XXXX XXXX  XXXX so money already is n't very common for me. XXXX of XXXX I noticed that my credit had gone down by 200 points, only to find out I had all of these unpaid XXXX bills that my father said were taken care of. I did n't know that these bills existed, and no one told me anything about being able to dispute it either. I feel as if It should be settled, because I am still a XXXX XXXX XXXX in school, struggling to make rent, because of all of this nonsense I had no Idea about in the first place. IC Systems called me for the first time in XXXX and that was the only time I learned that I had these things against me.

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 2017-09-29 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: TX

Complaint narrative:
The account below is paid in full. 

XXXX XXXX - Balance {$39000.00} Accounts ( XXXX ) below are not mines.
View all accounts COLLECTIONS XXXX XXXX XXXX Opened XXXX XXXX, XXXX {$5900.00} Original creditor : 09 XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX {$310.00} Original creditor : 01 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$3000.00} Needs Attention

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 2017-09-29 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: TX

Complaint narrative:
The account below is paid in full. 

XXXX XXXX - Balance {$39000.00} Accounts ( 3 ) below are not mines. 

View all accounts COLLECTIONS XXXX XXXX XXXX Opened XXXX XXXX, XXXX {$5900.00} Original creditor : 09 XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX {$310.00} Original creditor : 01 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$3000.00} Needs Attention

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 2017-09-29 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: OR

Complaint narrative:
Issues Incorrect Age of Credit reported on credit reports Late Payments remain on my Credit report that were suppose to be removed in Dismissal/Settlement of my educational loans due to TPD ( have the credit bureaus check their facts which they have incorrect. 
Hard Inquiries should have minimal effect due to performing within 30-40 day period should only count as one inquiry. 
Incorrect Credit Limit Total that I hold : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ================= Total {$9000.00}, and {$9500.00} if you contact XXXX I hold an additional credit line of {$500.00} through them. All accounts are in great standing and I have never been late with any accounts within the previous 2 years. Though the Credit bur are reporting still monthly late payments. That is clearly incorrect. 
The XXXX creditor that states Written Off, was not as it was Paid in Full, and I provided the credit bureaus with the Paid in Full letter and they refused to change the incorrect data in the above issues, also proof from the bank where the payments came from were provided. 

Upon the settling and clearing of my Federal & Student Loans ( though an issue still remains on my Credit Reports in regards to student loans ) All interest, Late payments, etc WAS APPROVED to be removed in both matters of the Federal loans and the Private Student loans. I here again provided information to the Credit Bur 's and they refuse to ammend and correct the issue ( s ) This is unacceptable, especially after we hear and see that a Credit Bureau knew of the US largest hack in XXXX and opted to not tell anyone until XXXX. That is awful, and that bureau should be removed of course. Almost 5months without reporting the incident ARE YOU SERIOUS? Someone there maybe the CEO should be arrested, as I seen about two officials recently quit. So you have that AND they can not seem to manage people 's credit report/score appropriately. I am XXXX myself, and very independent but I rely on the fact that as of the last year or so I have had GOOD credit, and these incorrections are making unfair, and cruel to not properly disclose my credit information properly let alone securely for XXXX sake. 

I can not afford XXXX XXXX, though I would if I could. I would like the complaints above investigated and actions taken appropriately to rectify the failures that occurred, and still occur to this day. 

Documents/attachments are available upon your request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Hello, I am having a lot of issues with Navient which is the company that I have to go through for my student loans. Since XXXX of XXXX I have been trying to fix this problem where they have been making my payments XXXX dollars each month, and I just ca n't pay that. I have been calling multiple times each month to try and get this fixed, but every time they say it will work out, and you have to wait. Well by the time you wait to see if it does work, the payment is close to due, and it never does work so then they keep on making me do a forbearance to then repeat the process to try and " fix '' the problem. But it is getting out of control now and I thought this last time I contacted them it would work but it did n't, the payments are still the same. So now I feel like I am all out of options and just not pay my loans and just deal with the consequences. If they keep screwing me they wo n't get anything and neither of us will win. I have no documents to submit, all my interactions have been over the phone. Please, I could use help dealing with this company. I was young getting into this mess and I still do n't even know much about how this works. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Listed on my credit report is a XXXX collection by XXXX XXXX representing XXXX XXXX Bank for a balance in the amount of {$950.00}. Also on my credit report is XXXX XXXX Bank. I have disputed this account multiple times but what upsets me more now is that both companies are listed on my credit report as if I owe the same debt twice. It is unfair that they are both listed on my credit report appearing that I have multiple accounts in a negative status and being denied credit. I am asking that XXXX XXXX be deleted immediately as they are not the original creditor.

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 2017-09-29 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: GA

Complaint narrative:
Listed on my credit report is a Credit collection by XXXX XXXX representing XXXX XXXX XXXX for a balance in the amount of {$950.00}. Also on my credit report is XXXX XXXX XXXX. I have disputed this account multiple times but what upsets me more now is that both companies are listed on my credit report as if I owe the same debt twice. It is unfair that they are both listed on my credit report appearing that I have multiple accounts in a negative status and being denied credit. I am asking that XXXX XXXX be deleted immediately as they are not the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Listed on my credit report is a Credit collection by XXXX XXXX representing XXXX XXXX XXXX for a balance in the amount of {$950.00}. Also on my credit report is XXXX XXXX XXXX. I have disputed this account multiple times but what upsets me more now is that both companies are listed on my credit report as if I owe the same debt twice. It is unfair that they are both listed on my credit report appearing that I have multiple accounts in a negative status and being denied credit. I am asking that XXXX XXXX be deleted immediately as they are not the original creditor.

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 2017-09-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
In XXXX 2017 I received an alert that a collection had been added to my credit profile. When i logged in, a collection account listed under DCI appeared on my credit report. Based on the information XXXX is the original creditor. I have never received notice of such debt and immediately disputed the account and requested validation of debt. My rights have been violated under the FCRA. I am allowed the rights dispute debt before it is placed on your credit profile and I was unable to do this. Also to my understanding several notices must be sent. I only received one and that was after it was placed on my credit profiled. I then emailed the company and disputed the debt asking them to kindly remove until investigation has been completed. Which again I have the right under the FCRA. This has not been done and I feel like this whole thing has been handled unfairly and not according to guidelines set by the FCRA. Please review.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 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: FL

Complaint narrative:
I have contacted Equifax on several occasions Over the past three months due to reporting issues. First there were errors that were requested to be fixed for several months then Suddenly my information did not report at all except for one cancelled account from years ago. It has impacted my ability to buy a home at prime rate, and led to multiple unnecessary and score impacting inquiries. When I called I was asked to submit copies of my Social Security card and an ID and they stated that within 4 to 6 weeks that would get my file corrected. That has not happened and this was BEFORE the data breech which Im now informed Ive been impacted by as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: SC

Complaint narrative:
Recently Aargon placed a collection account on my credit reports that I 'm not responsible for due t the fact that I was a victim of identity theft. I have filed a police report and disputed the account with the credit bureaus but Aargon verified it to the bureaus as mine. I am reporting this complaint because I 'm suffering damages because of this unfortunate incident. I feel as if Aargon refuses to reason with me to have this account removed from my credit reports with my statement and official police 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 2017-09-29 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: GA

Complaint narrative:
I received an email on XX/XX/XXXX about Equifax data breach that affected many consumers. I was one of the consumers that it affected. I called Equifax on XX/XX/XXXX to have inquiries and other items removed off my credit report, because of this breach. I talked to a rep and was told " NO '' they could not remove the items off my credit report. The email that I received stated the following " XXXX, As you may know, millions of Americans had their personal information exposed by the recent Equifax data breach. Also, they have been hit with a lawsuit over the breach that affected 143 million consumers. Equifax failed to protect the consumer data it collects, including millions of Social Security numbers, names, email addresses, birthdates, and other personal information lost to cyber thieves ''. I feel that Equifax should be able to delete items from my credit report, because of this breach. Here is the following inquiries that was not deleted off my credit report because of the breach. 
1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX XXXX  XX/XX/XXXX 5. XXXX XX/XX/XXXX 6. XXXX/XXXX XX/XX/XXXX 7.  XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX 9. XXXX/XXXX XX/XX/XXXX 10. XXXX XXXX  XX/XX/XXXX 11. XXXX/XXXX XX/XX/XXXX 12. XXXX  XX/XX/XXXX & XX/XX/XXXX 13. XXXX XXXX XX/XX/XXXX & XX/XX/XXXX 14. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX **I have dispute many times with Equifax about being an victim of identity thief and now I learned that Equifax has breach many consumer data. Need Equifax to removed the inquiries off my credit report and two collections that are on my credit report : 1.  XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) for {$XXXX} 2. XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) for {$XXXX}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
Wells Fargo Home Mortgage was included in my Chapter XXXX bankruptcy that XXXX in XXXX  2016. I have surrendered my interest in the home and it should no longer be listed as my debt. 

I have already contacted Wells Fargo and they refused to remove this. They told me that they do n't honor court orders!?! I then called my attorney who said that Wells Fargo is violating the discharge injunction and to contact all the credit bureaus directly. 

I have sent proof that this mortgage was included in bankruptcy to all the credit bureaus and they have removed the information from my credit report. Each time, Wells Fargo comes back saying the loan was modified and it goes back on my credit report. 

Last year, my ex-husband did something with Well Fargo Home Mortgage to lower his payments and not lose the home. I was not involved in that in any way. Wells Fargo told me they DID honor our court ordered divorce decree allowing him to modify the loan without me. I have attached the documentation Wells Fargo sent to me regarding the loan modification in his name only.

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 2017-09-29 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: NY

Complaint narrative:
XXXX XXXX,2017 somebody Opened account for {$1000.00} usd from XXXX XXXX and was not me, My credit score got down from XXXX to XXXX in equifax only, for that reason

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX XXXX XXXX XXXX was included in my Chapter XXXX bankruptcy that XXXX in XXXX  2016. I have surrendered my interest in the home and it should no longer be listed as my debt. 

I have already contacted XXXX XXXX and they refused to remove this. They told me that they do n't honor court orders!?! I then called my attorney who said that XXXX XXXX is violating the discharge injunction and to contact all the credit bureaus directly. 

I have sent proof that this mortgage was included in bankruptcy to all the credit bureaus and they have removed the information from my credit report. Each time, XXXX XXXX comes back saying the loan was modified and it goes back on my credit report. 

Last year, my ex-husband did something with XXXX XXXX XXXX XXXX to lower his payments and not lose the home. I was not involved in that in any way. XXXX XXXX told me they DID honor our court ordered divorce decree allowing him to modify the loan without me. I have attached the documentation XXXX XXXX sent to me regarding the loan modification in his name only.

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