vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-07 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: MD

Complaint narrative:
I have been disputing on my credit report for almost a year now the bureaus have remove some items but some items I know there not verifying at all and it's inaccurate on TransUnion I have a total of 6 Dept of ed that's reporting wrong and hurting my credit on XXXX there's a medical bill that was remove and place back on my account without them notifying me first and there's two repos on all three reports that's reporting different that the bureaus refuse two investigate and XXXX keep reporting a bankruptcy that they refuse to explain how they verifying the item

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 2019-08-07 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 am sending this message in regard to the problems i see listed on my credit report. 
Personal Information : XXXX XXXX is correct. XXXX XXXX & XXXX XXXX is reported in correctly. Address : All the address listed on my credit report is incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, all accounts listed under this address i am unaware of and is fraudulent. I have sent several certified letters over to dispute this claim in a professional matter and you haven't responded since 2017. I was affected by several breaches over the year and i am a victim of identity theft. You have violated my rights as a consumer. This is my final notice and message to inform you of litigations. I am forced to take this matter to court along with all evidence and paper trail work. You have violated my rights as a consumer in the FCRA section The Fair Debt Collection Practices Act ( FDCPA ). re-aging an account by updating the false date of last activity on my credit report in the hopes of keeping negative information on my account longer, i can sue you for violating FCRA Section 605, which carries a fine of {$1000.00} per violation.FRADULENT ACCOUNTS : 1. XXXX XXXX XXXX   {$10000.00} 2. XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXXXXXX 4. XXXX XXXX {$15000.00} 5. XXXX XXXX {$12000.00} 6. XXXX XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX FRADULENT INQUIRIES : XXXX 2.  XXXX XXXX 3. XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX 7.  XXXX XXXX 8. XXXX 9.XXXX XXXX 10. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-07 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: IL

Complaint narrative:
TO WHOM IT MAY CONCERN EQUIFAX IS THE ONLY CREDIT BUREAU SHOWING WRONG INFORMATION ON MY CREDIT REPORT I WOULD LIKE A FULL INVESTIGATION WITH MY SIGNATURE SOMEONE WENT TO A SCHOOL IN MY NAME THIS IS NOT ME PLEASE HELP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-07 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: NY

Complaint narrative:
I couldn't believe my credit report when I saw it. I'm trying to get a house, and I couldnt believe my eyes when I saw XXXX  XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX on my XXXX, XXXX  and Transunion credit report. I wrote letters to them but they fail to satisfactorily verify the account, I follow up with them and gave enough time to correct this erroneous reporting but continued non compliance CFPB, you need to delete the account, the status is incorrect. In the mean time, I may not get my house at the rate I can afford! They already raised the rate twice. Please don't leave it this way -- I need to get the house! The above accounts should be reported as positive standing

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 2019-08-07 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: NY

Complaint narrative:
I couldn't believe my credit report when I saw it. I'm trying to get a house, and I couldnt believe my eyes when I saw XXXX   XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX   XXXX on my XXXX, Experian and XXXX   credit report. I wrote letters to them but they fail to satisfactorily verify the account, I follow up with them and gave enough time to correct this erroneous reporting but continued non compliance CFPB, you need to delete the account, the status is incorrect. In the mean time, I may not get my house at the rate I can afford! They already raised the rate twice. Please don't leave it this way -- I need to get the house! The above accounts should be reported as positive standing

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 2019-08-07 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:
I did not sign up for an account with XXXX XXXX. I am extremely upset about this situation because I find it absolutely ridiculous that this information is being reported without contacting me first XXXX XXXX. I requested Equifax and XXXX to validate this information and provide me with copies of any documents associated with this account bearing my signature but they were unable to supply it. CFPB step up and remove XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 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: NY

Complaint narrative:
I did not sign up for an account with XXXX XXXX. I am extremely upset about this situation because I find it absolutely ridiculous that this information is being reported without contacting me first XXXX XXXX. I requested XXXX  and Transunion to validate this information and provide me with copies of any documents associated with this account bearing my signature but they were unable to supply it. CFPB step up and remove XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 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 am sending this message in regard to the problems i see listed on my credit report. 
Personal Information : XXXX XXXX is correct. XXXX XXXX & XXXX XXXX is reported in correctly. Address : All the address listed on my credit report is incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, all accounts listed under this address i am unaware of and is fraudulent. I have sent several certified letters over to dispute this claim in a professional matter and you haven't responded since 2017. I was affected by several breaches over the year and i am a victim of identity theft. You have violated my rights as a consumer. This is my final notice and message to inform you of litigations. I am forced to take this matter to court along with all evidence and paper trail work. You have violated my rights as a consumer in the FCRA section The Fair Debt Collection Practices Act ( FDCPA ). re-aging an account by updating the false date of last activity on my credit report in the hopes of keeping negative information on my account longer, i can sue you for violating FCRA Section 605, which carries a fine of {$1000.00} per violation.FRADULENT ACCOUNTS : 1. XXXX XXXX XXXX  {$10000.00} 2. XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX 4. XXXX XXXX {$15000.00} 5. XXXX XXXX {$12000.00} 6. XXXX XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX FRADULENT INQUIRIES : XXXX 2. XXXX XXXX 3. XXXX 4. XXXX XXXX XXXX XXXXXXXX 5.  XXXX XXXX 6. XXXX XXXX XXXX 7.  XXXX XXXX 8. XXXX 9.XXXX XXXX 10.  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 2019-08-07 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: FL

Complaint narrative:
I am sending this message in regard to the problems i see listed on my credit report. 
Personal Information : XXXX XXXX is correct. XXXX XXXX & XXXX XXXX is reported in correctly. Address : All the address listed on my credit report is incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, all accounts listed under this address i am unaware of and is fraudulent. I have sent several certified letters over to dispute this claim in a professional matter and you haven't responded since 2017. I was affected by several breaches over the year and i am a victim of identity theft. You have violated my rights as a consumer. This is my final notice and message to inform you of litigations. I am forced to take this matter to court along with all evidence and paper trail work. You have violated my rights as a consumer in the FCRA section The Fair Debt Collection Practices Act ( FDCPA ). re-aging an account by updating the false date of last activity on my credit report in the hopes of keeping negative information on my account longer, i can sue you for violating FCRA Section 605, which carries a fine of {$1000.00} per violation.FRADULENT ACCOUNTS : 1. XXXX XXXX XXXX   {$10000.00} 2. XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX 4. XXXX XXXX {$15000.00} 5. XXXX XXXX {$12000.00} 6. XXXX XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX CXXXX FRADULENT INQUIRIES : XXXX 2.  XXXX XXXX 3. XXXX 4. XXXX BXXXX XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX 7.  XXXX XXXX 8. XXXX 9.XXXX XXXX 10. 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 2019-08-07 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: MD

Complaint narrative:
I have been disputing on my credit report for almost a year now the bureaus have remove some items but some items I know there not verifying at all and it's inaccurate on XXXX I have a total of 6 Dept of ed that's reporting wrong and hurting my credit on XXXX there's a medical bill that was remove and place back on my account without them notifying me first and there's two repos on all three reports that's reporting different that the bureaus refuse two investigate and Experian keep reporting a bankruptcy that they refuse to explain how they verifying the item

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 2019-08-07 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Account Name XXXX XXXX Account Number XXXX Account Type Collection Report Number : XXXX Date Generated : XX/XX/2019 My name is XXXX XXXX XXXX XXXX XXXX, SS # XXXX XXXX XXXX XXXX For more than 4 months i have been trying to explain to the investigation Department on the 3 Bureaus of Credit report That I NEVER EVER CONTACT THIS CO. FOR THIS ACCOUNT I DON'T EVEN KNOW WHATS THEY SAID I BOUGHT I DON'T KNOW THE CELLS PHONES NUMBERS IF IS THAT because it says XXXX XXXX, i never had those products they says i bought, i may be a victimize of ID thief, But They have done nothing just make me  waste my time for many hours waiting and months for a fair report. THE WORSE I NEVER FILE A BANKRUPTCY AND I HAVE THAT TOO. They DON'T FIGHT FOR MY RIGHTS I FEEL VERY FRUSTRATED ALSO MY CREDIT WENT DOWN BASIC IN A BIG FRAUD THAT ARE HAPPENING WITH XXXX XXXX THEY USED MY SS. TO GET 2 STUDENTS LOANS FROM XXXX XXXX : XXXX? XXXX & XXXX & XXXX & XXXX & XXXX I NEVER EVER WENT TO CA. I DON'T STUDY NOTHING, I am XXXX years old I study 20 years ago, I don't even know what they said i am studying? THERE I DIDN'T CONTACT THEM NEITHER THEY CONTACT ME AND IT SHOWS I OWN 2 LOANS OF MORE THAN {$6000.00} this is killing me They shall have a Verification Dpm to check from where IP address that loan request came, XXXX? because IT IS NOT MINE AND NOONE HELP ME - I FEEL THE WORSE IN ALL MY LIFE I DON'T EVEN WANT TO KEEP WORKING I AM VERY SAD THEY DONT WORK, DONT DO NOTHING TO DEFENDING ME. It's very frustrated. XXXX DID HELPED ME INVESTIGATE AND ERASE IT, NOT THE REST, THANK YOU, SORRY BUT I WORK FOR 30 YEARS AND I FEEL LIKE I JUST GOT HERE AND HAVE NOTHING NOONE HELP ME I CAN'T GET NO BENEFITS NO RENT AN APARTMENT NO LOANS NOTHING, PLEASE HELP ME! 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 2019-08-07 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: RoundPoint Mortgage Servicing LLC
State: MI

Complaint narrative:
In XX/XX/XXXX the United States shut down causing myself and hundreds of thousands of federal employees to go without pay for approx. two pay periods or a month. I contacted my mortgage company and told them I wouldn't be able to pay XXXX 's mortgage and did they have any programs I could get into so I wouldn't show negative on my credit report because I had been working to improve my credit so that I could possibly refinance my mortgage. I was told that there was a program I might be eligible for and all I had to do was send in some documentation. I work in an office where I have access to fax machines and computers so I sent the information in several times and even had co-workers fax it in for me because ( Roundpoint ) my mortgage company kept sending letters that they hadn't received the documents. At one point Roundpoint even told me that they didn't understand the information I had sent them so I revamped that and sent it in. When I began getting frustrated with the stall tactics and the run around I was receiving I attempted to call and once I inputted my account number I was told that there was nothing I needed to do but wait until I was contacted. As the time was passing I continued to send all other payments on time while trying to get accepted into the program, finally three months out I spoke to someone that told me he could see that they had my information but if I followed through with the program my loan would be rewritten and things like the interest could change ; he advised me to find a way to pay the missed month to save time and trouble. By this time it is XXXX and I had already paid XXXX 's mortgage ( on time ) so I made an additional payment to catch up and to eliminate the stress I was going through. Up into this point I was reported as current on my mortgage, however as soon as I made the second payment Roundpoint reported my as thirty days late on my mortgage sending my credit plummeting making years of struggling for nothing. I had the same thing happen in XX/XX/XXXX while applying for a program then, but that incident I just let go. To make a long story short I really need this to be taken off of my credit report, first because it isn't true and secondly because it is unfair for Roundpoint to force me to stay with them through lies and manipulation. I contacted them and requested they remove the negative report and I was told that they were within their rights to make the report even though we had been working on this since 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 2019-08-07 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: ID Analytics, Inc.
State: GA

Complaint narrative:
I am sending this final good will letter to inform you that i am seeking litigations against your company. I am a victim of identity theft which my personal information was leaked during a credit breach which my credit and life in general has suffered severe pain. Life has been really difficult for me in the recent past months. I have been denied credit for something i have no control over where my information was leaked causing fraudulent accounts and inquiries to be placed onto my account. I am in distress and i look to resolve this matter as soon as possible within 3 business days. 
XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 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: Advanced Resolution Services Inc.
State: GA

Complaint narrative:
I am sending this final good will letter to inform you that i am seeking litigations against your company. I am a victim of identity theft which my personal information was leaked during a credit breach which my credit and life in general has suffered severe pain. Life has been really difficult for me in the recent past months. I have been denied credit for something i have no control over where my information was leaked causing fraudulent accounts and inquiries to be placed onto my account. I am in distress and i look to resolve this matter as soon as possible within 3 business days. 
XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 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: LEXISNEXIS
State: GA

Complaint narrative:
I am sending this final good will letter to inform you that i am seeking litigations against your company. I am a victim of identity theft which my personal information was leaked during a credit breach which my credit and life in general has suffered severe pain. Life has been really difficult for me in the recent past months. I have been denied credit for something i have no control over where my information was leaked causing fraudulent accounts and inquiries to be placed onto my account. I am in distress and i look to resolve this matter as soon as possible within 3 business days. 
XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX   XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: NY

Complaint narrative:
Midwest recovery systems have been attempting to collect a debt that have negatively impacted my credit score close to 6 months. I am completely unaware of what the debt is, I have tried to resolve this by placing disputes with every credit bureau and somehow the collections remains on my report. I have reached out to Midwest recoveries myself and I am constantly transferred from person to person and never get an answer about the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Millco Management
State: NC

Complaint narrative:
I recently checked my credit report and saw their was a collection under my credit report under Amerifinacial Solutions for the client named XXXX XXXX XXXX PA for {$140.00} reported on XX/XX/2019. I do not know of any XX/XX/XXXX nor have I ever received any bill or notice from this collection company that shows proper verification that I owe this bill. Under the FCRA the debt collector is required to send me a notice of collection and give me 30 days to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
On XX/XX/2019 I seen an entry under my credit file under Firstpoint Coll Resources Inc for a collection for {$56.00} for XXXX XXXX XXXX. I have not received any notice from this company saying that I have the right to dispute this debt nor do I owe this debt. This company has violated the FCRA as it states that i must revive a notice of collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 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: Navient Solutions, LLC.
State: PA

Complaint narrative:
I have student loans with Dept of Ed/Navient. I was marked late on XX/XX/2017 as 90 days delinquent, but I was not late. I disputed through Navient 's website back in 2017 after I originally saw the reporting also called in, they stated it would be removed from all loans. It is appearing on all three of my credit reports that I pulled from XXXX/XXXX/and XXXX. I should of been in a deferment/forbearance status at this time and reported as No Data/Information for this month, it was not processed in time, the late reportings need to be removed from my credit report with all 4 credit agencies ( including XXXX ). The account numbers are as follows :

Company response to consumer: Closed with explanation