vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-08 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: CO

Complaint narrative:
I closed a personal checking account with XXXX XXXX XXXX in XX/XX/XXXX, and received a letter confirming the account was closed. 
That was the last communication I had with XXXX XXXX XXXX, until I received a letter in XX/XX/XXXX stating my CLOSED account was past due, and to remit the amount due. 
The letter also stated that this negative status had already been reported to Experian. 

I telephoned XXXX XXXX XXXX, and an associate looked over my account status. 
- She saw that the account was closed XX/XX/XXXX. 
- She then noticed a monthly maintenance fee was charged to the ( Closed ) account in XX/XX/XXXX. 
- Further, the overdraft protection feature of the ( Closed ) account paid the incorrect maintenance fee. 
- In subsequent months, the overdraft protection amount was unable to be drawn down to XXXX, since there was no money in the ( Closed ) account. 
- Finally she noted in XX/XX/XXXX that the matter was turned over to the Bank Collections Department. 

Between the letter confirming my account was closed in XX/XX/XXXX, and the letter in XX/XX/XXXX stating the overdue matter had been reported to Experian, I had received XXXX communications from XXXX XXXX XXXX. 

As a result of my contacting XXXX XXXX XXXX in XX/XX/XXXX, they  closed my ( Closed ) account, and dismissed the incorrect maintenance fee and overdue fee. 

However, I now need XXXX XXXX XXXX to remove the negative credit activity from my credit report. 
I submitted a dispute via Experian, and XXXX XXXX XXXX simply reported that the account is closed. 

I need XXXX XXXX XXXX to correct its mistake which it compounded in so many ways, and repair my credit 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 2018-07-08 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: CA

Complaint narrative:
I have called on muliple occasions and talked with upper managment about the issue and just have been givin the run around. I have been told that there are waiting on the company who provided the info and will be resolved within 30days everytime i have called. It has been over 16 months and still no resolution. This has caused me muliple deniles of credit wich has greatly hindered my life. As of today XX/XX/XXXX still nothing when dispute was initiated on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/2018 I reported a fraudulent charge of {$480.00} to Capital One, my credit card company. The company has since issued three adjustments ( debits ) of {$480.00} and three adjustments ( credits ) of {$480.00}. The original fraudulent charge was not reversed. I have spoken with several reps. in the Fraud Department, left messages which were not returned ( XXXX ) and sent two letters, dated XX/XX/XXXX and XX/XX/XXXX disputing the {$480.00} debit. I sent the XX/XX/XXXX letter with copy to the corporate CEO for which I received a postal certified receipt. I have not heard since.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-08 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
There are two credit checks on my report to chase bank that I did not request. 
XX/XX/2017 XX/XX/2017 I dont know what other info you need to research, but chase just brushed me off. I just want them off my report. 

Please help. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-08 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: TX

Complaint narrative:
About a month ago i reached out to transunion about 4 different times. I advised them of the Identity theft that has occurred and that there were transactions that i am requesting be blocked due to my FCRA Rights. I sent in my Law Enforcement Affidavit. They blocked one account, and then later re add the account. I am requesting the XXXX/XXXX  or XXXX/XXXX XXXX Account 's be blocked. These are fraudulent. I did not apply for any new cards with XXXX. I did not apply for this card, they never sent me any cards never sent me any statements and i do not believe i should be held liable for a Fraudulent account especially since i have already had this blocked and you re added it. PLEASE BLOCK THESE FROM MY CREDIT FILE. Delete them, and do not re add them. Additionally you have added an account that says XXXX this is also fraudulent. I did not open this account, and back when i previously reported this you stated you blocked all XXXX XXXX information from my credit report. These are bringing my Credit Score Down. These are negative accounts that i did not authorize nor did i ever receive any products from these. 

Additionally Transunion will not allow me to access my security freeze to temporarily lift it or anything. I have gone to the Freeze.Transunion.Com and Signed in. It does not allow me to do anything and says to either mail in my request or to call. Please fix my login so that i can access the freeze site.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: IL

Complaint narrative:
Yes I recently disputed some accounts on my credit report that were Verified as accurate and I don't believe this to be so, A debt by CMRE Financial on XX/XX/17 was placed for collection and I do not take ownership for this debt can you please do a real investigation that the credit bureaus claims they did already.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: AL

Complaint narrative:
Western Union was used to send money to the XXXX as we do each month. We sent the money on XX/XX/2018 at XXXX XXXX Central time. Western Union has a new policy where they take the money out of your account but it is not ready for pick up for about 7 days. They are using the consumers money for their gain. 
tracking number is XXXX for the first transaction and XXXX for the other.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08 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: Conn's, Inc.
State: TX

Complaint narrative:
I sent a letter via certified USPS mail to Conns Credit Corp that was signed for by an employee at the address listed on my credit report on XX/XX/2018. The letter disputed an account they are currently listing on my credit report as having been late over 30 days on four ( 4 ) occasions. They sent me a letter back a few weeks later with what was supposedly " verification '' of the reported account. I waited the required 30 days as per the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ). On the 31st day, I printed an updated copy of my credit report and it still contained the above-mentioned account and had not been marked " disputed '' by any of the credit bureaus as required by the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ).  We are now at XX/XX/2018 and I have since printed two additional updated credit reports that do not have the accounts listed as " disputed ''. Throughout this entire process, I have retained copies of the signed, certified mail letters delivered to the company as well as time-stamped copies of my credit reports to verify they did not mark the account as disputed in the required 30-day timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08 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: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/2018 I sent Best Buy/CBNA a letter disputing the account they are reporting on my credit report as charged off in the amount of {$5000.00} ( while the credit limit for this supposed account was only {$3600.00} ). It was delivered certified mail and signed for at the address listed on my credit report on XX/XX/2018. A few weeks later I received a letter from CBNA dated XX/XX/2018 stating that they were no longer attempting to collect the remaining balance on this account signed by a Mr. XXXX, listed as Vice President of CBNA. It is now XX/XX/2018 and the credit report I just received yesterday, XX/XX/2018, still contains CBNA inaccurately listing that account in collections/charged off in the same amount of {$5000.00}. On top of not removing the account from my credit report as said in a letter from them, they also have not marked the account as disputed on my credit report as required by the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ). Throughout this entire process I have retained copies of the signed, certified mail letters delivered to the company as well as time-stamped copies of my credit reports to verify they did not mark the account as disputed in the required 30-day timeframe.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There is a ID fraud alert placed on my card and I cant get it off. They have placed the wrong number on it and I cant get the bank to reissue my credit card! 
I have sent numerous letters and still nothing. I tried to apply for another credit card and they say they have a fraud alert and cant get thru to the number placed on card. ( because number is wrong ). All I want is for them to take off the fraud protection or fix it with my real number ( XXXX ) The report number from Experian is XXXX for XX/XX/18 The bottom of page 8 has  the wrong number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08 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: FL

Complaint narrative:
File Number : XXXX I have sent in a ID THEFT Report and they placed a fraud alert on my report, but, their are inquiries on my report that I did NOT authorize.<br> XXXX XXXX via XXXX  XX/XX/XXXX<br> XXXX   XX/XX/XXXX<br> XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX<br> XX/XX/XXXX<br> XX/XX/XXXX<br> XXXX XXXX XXXX XX/XX/XXXX<br> XX/XX/XXXX<br> XX/XX/XXXX<br><br> XXXX XX/XX/XXXX<br><br> XXXX XXXX XX/XX/XXXX<br><br> XXXX   XXXX XX/XX/XXXX<br><br> XXXX XXXX   XX/XX/XXXX<br><br> XXXX XX/XX/XXXX<br><br> XXXX  XX/XX/XXXX<br><br> These inquires need to be deleted from my credit reports as soon as possible

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: LA

Complaint narrative:
I paid 3 different companies to do a modification of about {$3500.00} and also try to modify with green tree they had me bring my mortgage up with I did, still didn't get it they pressure me to move so they sell the house, my wife and I lose 4 year of mortgage payment at XXXX + and my credit rating hurt us that follow us for 8 year. {$67000.00} down the drain, we just got the letter from you all with a {$10.00} check that really hurt after all the money we lost XXXX, m put it in XXXX hands and yours. Ps please help vet out, it will help us get new mortgage. Contact # XXXX at. XXXX XXXX XXXX XXXX XXXX la XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08 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: FL

Complaint narrative:
I have sent in a ID THEFT Report and they placed a fraud alert on my report, but, their are inquiries on my report that I did NOT authorize. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I completed the process for requesting my annual free credit report at the XXXX web-site, but did not receive my credit report. Instead, I received the following uncorrectable and incomplete error : We're sorry A condition exists that prevents Experian from being able to accept your request at this time. 

To obtain your Experian annual credit report, please mail your request to the address below using the Annual Credit Report Request form. 

Annual Credit Report Request Service XXXX. XXXX XXXX XXXX, GA 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 2018-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX needs to be removed from my credit report. I have no debt owed to this company or to XXXX XXXX XXXX My payments have been made in full. 

If this is not removed within 30 days, I intend to file suit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08 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: DISCOVER BANK
State: MD

Complaint narrative:
i have file number of dispute that an Account Number : XXXX was open in my name by Ex wife or someone else ... the address where the account was open is not list on my credite report nor i have live there the email address on file is wrong also ..I have place a fraud alert on my credit report and contact Discover over and over about this account .Yet again, they have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08 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: FL

Complaint narrative:
I have tried this a couple of times and customer service would NOT remove the inquires and their is even a fraud alert on my credit report in reference to the fraudulent inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX These Inquires NEED to be deleted as soon as possible!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX needs to be removed from my credit report. I don't owe anything to this company or to XXXX XXXX XXXX All of my debts have been paid in full. 

If this is not removed within 30 days, I intend to file suit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
it will not allow me to add external accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08 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: NY

Complaint narrative:
XXXX XXXX being reported on Experian as closed, charge off, transferred to another lender or claim purchased and last payment made in XX/XX/XXXX, however, on XXXX this account is reported as 100 % on time payments with card lost or stolen, and account closed XX/XX/XXXX, which is true. Also, being reported on XXXX   as card lost or stolen and closed as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
On XX/XX/2012 there is a claim for {$120.00} for XXXX XXXX XXXX from First Fed Credit that I have no knowledge about. I have no recollection of receiving services from such an entity. 

On XX/XX/2012, another claim for {$81.00} is entered on my credit report for the same companies. Again no knowledge is represented about any of these companies. 

On XX/XX/2012, another entry from the same entities. No knowledge represented for either company. Don't know who they are.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08 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: IL

Complaint narrative:
I have contacted Experian several times via phone online, and via first class mailings on many occasions in regards to several accounts that were placed in my name that did not belong to me and that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts that does not belong to me reporting inaccurately. I have disputed and reach out to Experian several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. This account does not belong to me. I've done the FTC Identity Report XXXX, I've called and they've told me that their handling it and they received proper paperwork and I should see an update and i never do. The last rep I talked to stated she was in special handling, I havent had any luck with this. the following accounts that are reporting are : XXXX XXXX XXXX XXXX acct XXXX, XXXX XXXX acct XXXX, XXXX acct XXXX, XXXX acct XXXX, XXXX acct XXXX, XXXX acct XXXX all have a {$0.00} balance. The other two accounts show they are included in a bankruptcy but there is no bankruptcy that is in my credit files XXXX acct XXXX, XXXX acct. When I file a complaint they instruct me to file dispute with them directly which I do just to keep getting the same results. I have even sent copies from XXXX & XXXX showing that they deleted items that Experian keeps saying verified. How can they all be using the same information but some bureaus are correcting items & the other is saying verified which is totally incorrect.

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