vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-26 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian is willfully violating public policy by continuing to report unvalidated accounts on my credit report. I have disputed the accounts with the debt collectors and they are not complying with the law and ignoring requests. Some of these accounts have been removed from other credit bureaus. Experian failed to provide me with the items listed in my complaint letters that are required under the FDCP. I have been going back and forth with them since XX/XX/2019, and to no avail they keep saying the same script that the items are verified when they are not. It is now XX/XX/2019. They are forcing me into homelessness where I can not find housing because of these erroneous accounts that should have been removed. I have sent 4 letters notarized via certified mail to experian and I have gotten the same response. They have not provided me a copy of an original consumer contract with my signature on it or any documentation at all. They are also lying and saying it meets the FCRA requirements and it does not. Experian is now threatening to leave unvalidated items on my credit report for 10 years and saying they will not reinvestigate in the future. This is unlawful and a miscarriage of public policy. I will hold Experian accountable for their actions and all parties involved for the damages I will incur in the near future of not being able to find a place to live and being denied housing,

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 2019-09-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Tri-State Adjustments, Inc.
State: WI

Complaint narrative:
I was an employee of this company and resigned on XX/XX/XXXX and was threatened with a law suit for outstanding medical bills all the way back to XXXX they put a {$2000.00} lawsuit on us because this was a day I had requested off the employer knew this I gave a proper 2 week notice before we were scheduled to be out of town XX/XX/XXXX through the XXXX of XXXX employer knew I wanted it off from a previous month working part time and refused to give me these days off. I found out that they had a lawsuit against me and my family from previous medical bills dating all the way back to XXXX scheduled for XX/XX/XXXX court appearance. I knew I would not win this case so we paid a total of XXXX XXXX dollars to bonded collections and we set up a payment plan for outstanding bills on the Clinic and Hospital side of XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ( Same company ) of XXXX Wisconsin. We went to the clinic and asked did we need to pay anything else and we paid for the current bills we had. they told us we were free and clear and said we owed nothing else since everything else was put on a payment plan. needless to say I check my husbands credit report and they submitted a bill from XXXX and XXXX to XXXX XXXX XXXX XXXX. after telling us we did not owe anymore. then told me on the telephone that it was submitted in may yet the credit reporting agency said it was submitted XX/XX/XXXX by this clinic which is the same company as the hospital this is WRONG on every level!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Northwood Asset Management Group
State: MI

Complaint narrative:
On XX/XX/2019, I received a VM from the number XXXX, which is the Superior Court of California-XXXX XXXX. The man ( XXXX XXXX ) identified himself as a process server to deliver the court summons to me because of some unpaid debt ( {$2700.00} and some change? ). I searched on the court website to see if there was any case under my name at the court, but there was none. I confirmed it with the court over the phone as well. So I called the number the process server told me to call in the VM. I was told to speak with an attorney ( XXXX XXXX? ). The number was XXXX, and it was XXXX XXXX. Instead, I spoke with a man ( XXXX XXXX ), and he was inconsistent with what he was saying. He once said there was a criminal case filed against me, and then said the court didn't know anything about my case yet. Next day I called again, and he said there was a civil case. So I kept asking if there was really a case filed against me. I even asked if the guy or the company was impersonating the authority by spoofing the court 's phone number and committing fraud by providing false, threatening information. The guy got frustrated and upset and started talking nonsense that I could not understand at all. Later I found out that they are a subcontractor (? ) or an outsourcing company hired by a company name Northwood Asset Management ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I received the following email from American express on XX/XX/XXXX. 

" We want to let you know that after a recent review of your American Express account ( s ), we have cancelled the accounts referenced above because one or more of these accounts, or other accounts to which these accounts are linked, have been identified as not being used for the intended purpose. '' I called multiple times to find out what exactly I did only to be told I would receive a detailed letter in the mail but I never did receive any letter. 

I had about 5 credit cards with American express ( business and personal ) and I always paid in full and on time with no issues since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 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: GA

Complaint narrative:
I have account that appear on my credit file I believe its fraud

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 2019-09-26 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 tried numerous times to have incorrect late or payment off this report. I have already proven my innocence to XXXX and XXXX, also to a collection agency and made numerous attempts to clarify with equifax. I was also part and victimized by Equifax negligence in their infamous breach and I was affected negatively. I have been accepted into the class action lawsuit. If XXXX and XXXX have both accepted and acknowledged this incorrect info and removed it, then why does equifax refuse to abide by the law that they must also if the others saw this mistake? I have already made a complaint about equifax and they still refuse to correct this info. My legal rights are being denied. This is negatively affecting me, my life, and my credit reporting. I would like them to correct this once and for all and to please abide by the laws and correct this wrong and defaming information they are providing to others about my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 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: GA

Complaint narrative:
I have account that appear on my credit file I believe its fraud

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 2019-09-26 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: AL

Complaint narrative:
I was told that my application to refinance my car was only going to be sent to one company by XXXX and their company did not shotgun your credit. The application took almost weeks because their employees was not doing there job. I called XXXX to check on my application because I had not been contacted. I was told by XXXX XXXX XXXX that it was not submitted. I got upset and told him to stop the application process. I received a deny letter in the mail from XXXX XXXX XXXX because verification documents was not sent. I didnt not give permission to send my application off. Also they requested {$2000.00} more than the amount I put on my application. After receiving the letter, I noticed that I had two inquiries for XXXX XXXX XXXX and XXXX XXXX. I called XXXX on XX/XX/2019 and voiced my concerns and the purchase manager, XXXX XXXX apologized and said that it was their mistake but they couldnt do anything about it.

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 2019-09-26 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:
im an id theft victim. 
these items do not belong to me u s bankruptcy court opened XX/XX/2012 XXXX XXXX XXXX {$5300.00} ( XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  {$2200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-26 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: AL

Complaint narrative:
I was told that my application to refinance my car was only going to be sent to one company by XXXX and their company did not shotgun your credit. The application took almost weeks because their employees was not doing there job. I called XXXX to check on my application because I had not been contacted. I was told by XXXX XXXX XXXX that it was not submitted. I got upset and told him to stop the application process. I received a deny letter in the mail from XXXX XXXX XXXX because verification documents was not sent. I didnt not give permission to send my application off. Also they requested {$2000.00} more than the amount I put on my application. After receiving the letter, I noticed that I had two inquiries for XXXX XXXX XXXX and XXXX XXXX. I called XXXX on XX/XX/2019 and voiced my concerns and the purchase manager, XXXX XXXX apologized and said that it was their mistake but they couldnt do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 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: AL

Complaint narrative:
I was told that my application to refinance my car was only going to be sent to one company by XXXX and their company did not shotgun your credit. The application took almost weeks because their employees was not doing there job. I called XXXX to check on my application because I had not been contacted. I was told by XXXX XXXX XXXX that it was not submitted. I got upset and told him to stop the application process. I received a deny letter in the mail from XXXX XXXX XXXX because verification documents was not sent. I didnt not give permission to send my application off. Also they requested {$2000.00} more than the amount I put on my application. After receiving the letter, I noticed that I had two inquiries for XXXX XXXX XXXX and XXXX XXXX. I called XXXX on XX/XX/2019 and voiced my concerns and the purchase manager, XXXX XXXX apologized and said that it was their mistake but they couldnt do anything about it.

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 2019-09-26 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:
im an id theft victim. 
these items do not belong to me u s bankruptcy court opened XX/XX/2012 XXXX XXXX XXXX {$5300.00} ( XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX  {$2200.00}

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 2019-09-26 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:
im an id theft victim. 
these items do not belong to me u s bankruptcy court opened XX/XX/2012 XXXX XXXX XXXX {$5300.00} ( lXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$2200.00}

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 2019-09-26 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 a victim of id theft. these items do not belong to me due to fraud u s bankruptcy court XXXX XXXX XXXX opened XX/XX/2013 {$6900.00} XXXX XXXX XXXX XXXX  {$260.00}

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 2019-09-26 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 a victim of id theft. these items do not belong to me due to fraud u s bankruptcy court XXXX XXXX XXXX opened XX/XX/2013 {$6900.00} XXXX XXXX XXXX XXXX {$260.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-26 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 a victim of id theft. these items do not belong to me due to fraud u s bankruptcy court XXXX XXXX XXXX opened XX/XX/2013 {$6900.00} XXXX emergency med gr {$260.00}

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 2019-09-26 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 a victim of id theft. these items do not belong to me due to fruad XXXX   XXXX XXXX XXXX opened XXXX XXXX {$1900.00} XXXX  XXXX opened XXXX XXXX XXXX XXXX opened XXXX XXXX {$8700.00} XXXXyXXXX opened XX/XX/2010 {$4700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 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:
This company is the worst they should be out of business Im a victim Of identity theft and they have my police report they refuse to block fraudulent accounts and inqueires which XXXX  has already deleted these people Will Report things for years and dont care their system is old and outdated and they dont remove anything even though they say they will it still reports

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 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: Early Warning Services, LLC
State: NY

Complaint narrative:
This company treated me horibke I am a victim of identity theft and have tried contacting them they dont care they are reporting fraudulent account banks and inqueires so many and they refuse to delete this from my report its hard for me to get a bank account opened by all of this negative I for reporting about me Ive been declined at multiple Banks for an account due to the information they are reporting about me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
The debt that Credit Acceptance claim that I owe is $ XXXX they even added $ XXXX in interest. The total they want is {$11000.00}. This is something from XXXX. They are currently garnishing my wages as of XXXX. I received nothing from them about court. The representative that I spoke with told me that all correspondence was sent to my previous address. I only knew once they started talking my wages. I have paid almost {$4000.00} to date.

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 2019-09-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
My payment for my mortgage has went up by {$300.00}. Due to escrow analysis. I'm struggling now and don't know if I can pay the extra. I dont understand why I need to pay XXXX in full or pay XXXX more for new payment. My taxes have only went up by XXXX. So why would it be this much more?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 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 a victim of id theft. these items do not belong to me due to fruad XXXX   XXXX XXXX/XXXX XXXX opened XXXX XXXX {$1900.00} XXXX XXXX opened XXXX XXXX XXXX XXXX opened XXXX XXXX {$8700.00} XXXX/XXXX opened XX/XX/2010 {$4700.00}

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 2019-09-26 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 a victim of id theft. these items do not belong to me due to fruad XXXX   XXXX XXXX/XXXX XXXX  opened XXXX XXXX {$1900.00} XXXX  XXXX opened XXXX XXXX XXXX XXXX opened XXXX XXXX {$8700.00} XXXX opened XX/XX/2010 {$4700.00}

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 2019-09-26 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:
Imma victim of idnrntity theft and they have my extended fraud alert and police report to block these accounts and inquiries and now XXXX   refuses To delete them as they have in the past and Equifax too XXXX   has removed the information that they are reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 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:
im an id theft victim these accounts are not mine XXXX XXXX opened XX/XX/2015 {$51000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 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: NY

Complaint narrative:
This company is hiding from me They refuse to send me my report even after mailing them a request they have my police report and refuse to remove fruskdent information

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 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: Ability Recovery Services, LLC
State: TX

Complaint narrative:
These collection agencies are reporting debt with changed starting dates. Two debts sold to these companies and they changed the dates of the debt from being several years old to just months old. They are cheating and lying by entering incorrect debt starting dates.

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