vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-11 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: TN

Complaint narrative:
I am a victim of identity thief, I have previously submitted documentation that these accounts were not mines. The creditors agree and removed them form my credit report. I went to take a look at my score to see that the following account had been added back. I was under the impression that this had be handled and the items would be Blocked and Deleted. I am hoping this is the last time i have to report these items. I have reached out to a attorney to help me with this matter, being that I have provided everything necessary to resolve this matter and they have put these negative account back on my credit report. 


XXXX XXXX {$0.00} Updated XXXX. XX/XX/XXXX XXXX XXXX XXXX  {$870.00} Updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$980.00} Update XX/XX/XXXX XXXX XXXX {$3600.00} Updated 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 non-monetary relief
Consumer complaint received 2020-03-11 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: TX

Complaint narrative:
I submit a 609 certified dispute letter to the credit agency Experian about derogatory information that's reported on my credit file. This letter states According to the Fair Credit Reporting Act ( hereafter referred to as " FCRA '' ), Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Therefore, I am demanding to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below. I send the letter certified on XX/XX/2020, Experian receives the letter on and settles the dispute on XX/XX/2020, XX/XX/2020, I call Experian dispute department and notified under Fair Credit Reporting Act ( hereafter referred to as " FCRA '' ), Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract. The Dispute Department indicated to me they do not abide by the Section 609 because we are a thrid party.

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 2020-03-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Experian, XX/XX/2020 After looking at my credit report, I noticed errors with my personal information. Listed below are the problems with my personal data : 1. XXXX XXXX XXXX Please delete it 2. XXXX XXXX XXXX XXXX, FL XXXX Please delete it I know that you want proof of my personal information that is listed above, so I decided to include this information in the letter to make it easy for you to delete the inaccurate personal information. Please go ahead and fix this inaccurate information and get back with me as soon as possible. 30 days should be enough time to fix this problem. If you can update me sooner that would be better. 

Sincerely, 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 2020-03-11 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
All of the amounts listed ( {$350.00} ) are current and are in school deferment and have been reporting on my credit report when they shouldn't. This is hindering a lot of progress I could be making with my credit especially trying to get a house. Every disbursement I have is there for lenders to see which is why everyone has turned me down for everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I am not responsible for this debt that National Credit Adjusters placed on my credit for {$340.00}. According to the FCRA the debt collection agency has thirty ( 30 ) Calendar days to respond to a debt validation request and provide me with proof that the debt is indeed mine. I sent debt validation letter to National Credit Adjusters on XX/XX/2019, and they then sent me back a letter dated for XX/XX/2019 saying that they would need longer than 30 days, and that they were ceasing collection attempts. I have never received any documentation that proves that debt is mine. Since they are not able to validate the debt and prove that it belongs to me, I Would like for them to remove it from all credit bureaus, and not be able to sell it to another collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC
State: NC

Complaint narrative:
I have repeatedly disputed the CAPITAL ACCOUNTS report stating that I owe upwards of XXXX to XXXX XXXX XXXX. I initially disputed in XX/XX/XXXX and on XX/XX/XXXX XXXX XXXX XXXX  admitted that my information was supplied which led to my credit being reported falsely. They assured me that XXXX XXXX will remove this debt from my account ENTIRELY, as it belongs to my mother and not me. 

XXXX XXXX was contracted and responded XX/XX/XXXX, stating that it has been handed over to be corrected. According to XXXX, the debt is still being reported as mine. I sent a debt validation letter on XX/XX/XXXX in which is was signed by an agent XX/XX/XXXX, with tracking number XXXX. 

I have NOT received any validation paperwork from this company as well, as it would not and could not exist. Today I attempted to contact XXXX XXXX and XXXX XXXX ( a supervisor ) to inquire about the current reporting status. I was repeatedly hung up on. 

I also spoke with XXXX XXXX who also refused to tell me more information or connect me with the proper authority to provide clarity as to this gross misstep.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 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: AR

Complaint narrative:
I wanted to start building my credit because I am getting close to the age were I am going to start wanting to purchase big things. I been applying for several different credit cards and I been getting denied from each one. I received a letter in the mail from the most recent credit card I applied for stating that I was denied because of derogatory items. I was confused because I have never even applied for much items and the one credit card I had paid for it and had the  account closed. I decided to pull my credit and there are a couple of unknown items that do not belong to me. Please remove these fraudulent items from my report. I have been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SIMMONS FIRST NATIONAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX  was acquired by Simmons Bank mid-XXXX. Since that time we have had to manually generate payroll checks because no one from Simmons Bank will return or respond to our calls and emails asking the process to set up the direct deposit process through our XXXX account. I have made 5 phone calls with each committing to a call back within 24 hours. I have now sent an email through their 'start a conversation ' link which has had no response. We are nearly 30 days into their transition and I still can not get an answer about this issue. I have employees who want their direct deposit back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 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: TN

Complaint narrative:
I am a victim of identity thief, I have previously submitted documentation that these accounts were not mines. The creditors agree and removed them form my credit report. I went to take a look at my score to see that the following account had been added back. I was under the impression that this had be handled and the items would be Blocked and Deleted. I am hoping this is the last time i have to report these items. I have reached out to a attorney to help me with this matter, being that I have provided everything necessary to resolve this matter and they have put these negative account back on my credit report. 


XXXX XXXX {$0.00} UpdatedXX/XX/XXXX  XXXX XXXX XXXX  {$870.00} Updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$980.00} Update XX/XX/XXXX XXXX XXXX {$3600.00} Updated 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 2020-03-11 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: TN

Complaint narrative:
I am a victim of identity thief, I have previously submitted documentation that these accounts were not mines. The creditors agree and removed them form my credit report. I went to take a look at my score to see that the following account had been added back. I was under the impression that this had be handled and the items would be Blocked and Deleted. I am hoping this is the last time i have to report these items. I have reached out to a attorney to help me with this matter, being that I have provided everything necessary to resolve this matter and they have put these negative account back on my credit report. 


XXXX XXXX {$0.00} Updated XX/XX/XXXX XXXX XXXX XXXX {$870.00} Updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$980.00} Update XX/XX/XXXX XXXX XXXX {$3600.00} Updated XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 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 is incorrect
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a problem with my Mother 's CD accounts, The Bank is not willing to correct the Interest amount when they matured, the amounts were XXXX XXXX XXXX XXXX, XXXX, Dates were XXXX and extend back to prior years the agency in question is Regions Bank, XXXX Florida on 9 mile rd the XXXX  XXXX  they present a CD rate of 2.15 percent but when it matured they paid 0.01 percent when I brought it to their attention they contend that I needed a Checking account to qualify for that rate. Well it was not brought to my attention that I Needed a Checking account. My mother is Very old and so am I with Serious XXXX  Issues and I know we were taken advantage of, I just want what is due it is Most of the Saving she has. 

I will upload the verifying Documents at a later time.

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 monetary relief
Consumer complaint received 2020-03-11 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 — Investigation took more than 30 days
Company: ONLINE Information Services, Inc.
State: PA

Complaint narrative:
Online collections. Company made Threats and tarnished credit file while diagnosed with XXXX XXXX. Company added stress to regarding payments. Unable to work due to XXXX. Requesting removal of late payments and negative tradeline

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 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: FL

Complaint narrative:
All of the amounts listed ( {$350.00} XXXX are current and are in school deferment and have been reporting on my credit report when they shouldn't. This is hindering a lot of progress I could be making with my credit especially trying to get a house. Every disbursement I have is there for lenders to see which is why everyone has turned me down for everything.

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 2020-03-11 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: FL

Complaint narrative:
All of the amounts listed ( {$350.00} ) are current and are in school deferment and have been reporting on my credit report when they shouldn't. This is hindering a lot of progress I could be making with my credit especially trying to get a house. Every disbursement I have is there for lenders to see which is why everyone has turned me down for everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WINN LAW GROUP, APC
State: CA

Complaint narrative:
Winn law group aggressively started their collection efforts for the XXXX XXXX account back from XXXX which was already stipulated and paid by the client on XX/XX/XXXX. Winn law states there is a law suit and threatened the client to renew legal complaint because they have not received any payments on the account and are demanding a full pay plus legal fees of On XX/XX/XXXX they issued a letter stating that attached judgement is sufficient documentation for debt validation. But failed to attached this judgement with their letter. 
After contacting XXXX XXXX the original creditor, we learned that client XXXX XXXX has NO past due obligations to the bank and that XXXX XXXX does NOT work or assign accounts to Winn Law. Winn law  states their client is XXXX XXXX XXXX XXXX  who supposedly have not received any payments or acknowledges any record of settlement. However, on XX/XX/XXXX XXXX has issued a settlement agreement to accept less than full amount in lieu of resolution of this account. And on XX/XX/XXXX funds have cleared client 's checking account. ( attached proof of payment ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 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: TX

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT AND CERTAIN ITEMS ARE APPEARING ON MY CREDIT REPORT THAT SHOULD NOT BE THERE, THEY DO NOT BELONG TO ME. I AM MAKING A COMPLAINT BECAUSE THE FOLLOWING FRAUDULENT ACCOUNTS ARE APPEARING ON MY CREDIT REPORT AND I WOULD LIKE FOR THEM TO BE DELETED : XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX. 
XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX. 
XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX. Company made Threats and tarnished credit file while diagnosed with XXXX XXXX. Company added stress to regarding payments. Unable to work due to condition. Requesting removal of late payments and negative tradeline

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 2020-03-11 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX. Company made Threats and tarnished credit file while diagnosed with XXXX XXXX. Company added stress to regarding payments. Unable to work due to condition. Requesting removal of late payments and negative tradeline

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
The complaint involves a consumer reporting agency ( CRA ) not following the guidelines for responding to a dispute set forth by the Fair Credit Reporting Act ( FCRA ). I have written to them three times about ( REMOVING ) a bankruptcy that is on my credit report. All three notices from ( Equifax Information Services ( XX/XX/20 ), XXXX  ( XX/XX/20 ), XXXX XXXX XXXX ( XX/XX/20 ) agencies wrote back saying it has been confirmed by a third party ( XXXX ). This, in itself, is in violation of the FCRA. Information is to be verified in person by a person working for the CRA 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 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 — Other problem getting your report or credit score
Company: Fidelity National Information Services, Inc. (FNIS)
State: NJ

Complaint narrative:
Requested report 11 days ago with XXXX, of course, as expected never received my Chexsystems 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 2020-03-11 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: AR

Complaint narrative:
I wanted to start building my credit because I am getting close to the age were I am going to start wanting to purchase big things. I been applying for several different credit cards and I been getting denied from each one. I received a letter in the mail from the most recent credit card I applied for stating that I was denied because of derogatory items. I was confused because I have never even applied for much items and the one credit card I had paid for it and had the account closed. I decided to pull my credit and there are a couple of unknown items that do not belong to me. Please remove these fraudulent items from my report. I have been a victim of identity theft.

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 2020-03-11 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: AR

Complaint narrative:
I wanted to start building my credit because I am getting close to the age were I am going to start wanting to purchase big things. I been applying for several different credit cards and I been getting denied from each one. I received a letter in the mail from the most recent credit card I applied for stating that I was denied because of derogatory items. I was confused because I have never even applied for much items and the one credit card I had paid for it and had the account closed. I decided to pull my credit and there are a couple of unknown items that do not belong to me. Please remove these fraudulent items from my report. I have been a victim of identity theft.

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 2020-03-11 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: AR

Complaint narrative:
My wife and I have been a victim of identity theft. We have never opened a joint account or done a rental agreement together. We have been trying to remove this from our report since we first found out 4 years ago. These accounts on my report and inquiries are not mine. Please remove these fraudulent items from my report. 

XXXX XXXX XXXX XXXXXXXX {$530.00} XXXX XXXX XXXX XXXX {$290.00XXXX XXXX XXXX XXXX XXXX {$270.00} XXXX XXXX {$200.00} XXXX XXXX {$220.00} BANKRUPTCY CHAPTER XXXXDISMISSED XXXX {$0.00}

Company response to consumer: Closed with explanation