vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-01 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: OH

Complaint narrative:
This the third time I have filed an affidavit and compliant over fraudulent and in accurate information showing on my credit report. I have never done business or opened up a line of credit with XXXX XXXX # XXXX, XXXX XXXX # XXXX this is a error please delete at once. I have a FCRA 611, 623, 609 DISPUTE for a late payment XXXX XXXX XXXX XXXX # XXXX this is not accurate please delete. I have never been late on my XXXX XXXX XXXX XXXX. PLEASE DELETE THESE ACCOUNT THEY ARE NOT ACCURATE! I am unable to locate documentation that they complied with the of federal and state laws requirement, which is a violation of the FCRA & FDCPA. State FDCPA Laws I fail to see XXXX XXXX XXXX XXXX # XXXX in compliance with sTA OHIO LAW 1319.12 O.R.C. TAKING ASSIGNMENT OF DEBT. I also have report this account to the FTC, and XXXX Police Dept. I need this collection account to be removed from my credit report where with XXXX XXXX has not even tried to contact me regarding this Fraudulent collection if they had done so they would have known they had in fact Purchase two fraudulent third party collection accounts. Please have them remove this collection account immediately. I have submitted an FTC AFFIDAVIT for the addresses and unknown accounts on my credit file please see the attached document and FCRA 605B ( 15 U.S.C. 1681c-2 ). I HAVE ATTACHED MY POLICE REPORT AND FTC RPORT AND ID

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 2020-05-01 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: OH

Complaint narrative:
This the third time I have filed an affidavit and compliant over fraudulent and in accurate information showing on my credit report. I have never done business or opened up a line of credit with XXXX XXXX # XXXX, XXXX XXXX # XXXX this is a error please delete at once. I have a FCRA XXXX, XXXX, XXXX DISPUTE for a late payment XXXX XXXX XXXX XXXX # XXXX this is not accurate please delete. I have never been late on my XXXX XXXX XXXX XXXX. PLEASE DELETE THESE ACCOUNT THEY ARE NOT ACCURATE! I am unable to locate documentation that they complied with the of federal and state laws requirement, which is a violation of the FCRA & FDCPA. State FDCPA Laws I fail to see XXXX XXXX XXXX XXXX # XXXX in compliance with sTA OHIO LAW 1319.12 O.R.C. TAKING ASSIGNMENT OF DEBT. I also have report this account to the FTC, and XXXX Police Dept. I need this collection account to be removed from my credit report where with XXXX XXXX has not even tried to contact me regarding this Fraudulent collection if they had done so they would have known they had in fact Purchase two fraudulent third party collection accounts. Please have them remove this collection account immediately. I have submitted an FTC AFFIDAVIT for the addresses and unknown accounts on my credit file please see the attached document and FCRA 605B ( 15 U.S.C. 1681c-2 ). I HAVE ATTACHED MY POLICE REPORT AND FTC RPORT AND ID

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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: OH

Complaint narrative:
This the third time I have filed an affidavit and compliant over fraudulent and in accurate information showing on my credit report. I have never done business or opened up a line of credit with XXXX XXXX # XXXX****, XXXX XXXX # XXXX**** this is a error please delete at once. I have a FCRA 611, 623, 609 DISPUTE for a late payment XXXX XXXX XXXX XXXX  # XXXX**** this is not accurate please delete. I have never been late on my XXXX XXXX XXXX XXXX. PLEASE DELETE THESE ACCOUNT THEY ARE NOT ACCURATE! I am unable to locate documentation that they complied with the of federal and state laws requirement, which is a violation of the FCRA & FDCPA. State FDCPA Laws I fail to see XXXX XXXX  XXXX XXXX  # XXXX****is in compliance with sTA OHIO LAW 1319.12 O.R.C. TAKING ASSIGNMENT OF DEBT. I also have report this account to the FTC, and XXXX Police Dept. I need this collection account to be removed from my credit report where with XXXX XXXX has not even tried to contact me regarding this Fraudulent collection if they had done so they would have known they had in fact Purchase two fraudulent third party collection accounts. Please have them remove this collection account immediately. I have submitted an FTC AFFIDAVIT for the addresses and unknown accounts on my credit file please see the attached document and FCRA 605B ( 15 U.S.C. 1681c-2 ). I HAVE ATTACHED MY POLICE REPORT AND FTC RPORT AND ID

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 2020-05-01 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: NV

Complaint narrative:
This is not my account, nor is this my name listed.

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 2020-05-01 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: LEXISNEXIS
State: GA

Complaint narrative:
LexisNexis has infringed upon my right to privacy as a consumer. This is my second attempt to rectify this matter.LexisNexis also defaulted by not responding to my affidavit. I have attached it again. I have attached my social and proof of my address. LexisNexis is in violation of the following sections of 15 usc 1681 : 1. 15 usc 1681 ( a ) ( 4 ) 2. 15 usc 1681b. ( a ) ( 2 ) I am invoking my specified remedy as a consumer. I am demanding that this info be removed from my consumer report, and that LexisNexis remove this from every agency they furnished this to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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: OH

Complaint narrative:
I recently tried to rent an apartment and got declined due to someone using my name and information! The following accounts are fraudulent : XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX. I have filed a report with the XXXX Police Dept and a complaint with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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: NV

Complaint narrative:
This is not my account, nor is this my name listed.

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 2020-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND I DISCOVERED A BANKRUPTCY ON MY CREDIT FILE WHICH I HAD NEW KNOWLEDGE OFF. THIS ACCOUNT WAS NOT AUTHORIZED BY ME AND I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER. THIS BANKRUPTCY HAS BEEN REPORTING INACCURATELY ON MY CREDIT FILE AND I AM DISTRESSED BECAUSE I HAVE NO IDEA HOW LONG IT HAS BEEN REPORTING NEGATIVELY ON MY CREDIT FILE. I AM REQUESTING IMMEDIATE REMOVAL OF THIS BANKRUPTCY ACCOUNT.

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 2020-05-01 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
More than 20 transactions were made on my prepaid credit card in one day. One of the same unknown transactions were made days before that was processed, the other transactions are on hold. I have been calling the contact number all day and have been on hold for more than three hours. No one had answered and I can not get a person on the line to tell me why this had happened. Twenty charges were all made on XX/XX/XXXX, equalling over the amount of {$2000.00}. There is no other way to contact the company only by mail and the 800 number I have for them which no one will answer but its a 24/7 customer service number. I also see that it says there is in a {$1.00} monthly fee for having this card when I have been getting charged {$5.00} a month when the card is active.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
These accounts listed on my credit report are fraud. I have explained to TransUnion representatives several times but they continue to report Fraud accounts. The accounts for Division of Child Support, XXXX XXXX, XXXX, and XXXX XXXX are not mine. I have not received anything from these companies & did not give them my information to open any accounts. This stuff does is all 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 2020-05-01 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

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 2020-05-01 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: OH

Complaint narrative:
I recently tried to rent an apartment and got declined due to someone using my name and information! The following accounts are fraudulent : XXXX  XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX  XXXX  XXXX  # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX   XXXX  XXXX  # XXXX, XXXX XXXX XXXX # XXXX. I have filed a report with the XXXX Police Dept and a complaint with the CFPB.

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 2020-05-01 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: OH

Complaint narrative:
I recently tried to rent an apartment and got declined due to someone using my name and information! The following accounts are fraudulent : XXXX  XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX  XXXX  XXXX  # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX   XXXX  XXXX  # XXXX, XXXX XXXX XXXX # XXXX. I have filed a report with the XXXX Police Dept and a complaint with the CFPB. This is really stressful and annoying I can't figure out what else needs to be done.

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 2020-05-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX, I applied for a PPP loan for self employee people, I completed the applications and provided schedule c  as documentation that is needed in my paticular case, unfortunally Citi bank was requesting form XXXX  to be provided which was wrongfully ask because in my case schedule C  is the form they need to approve my loan. on XX/XX/XXXX citi bank send me denial letter because I did not sent form XXXX  and that is 100 % incorrect, Now I am complaining because if they are doing this to me that means all self employee like me that qualify for ppp loan are being denied and that is unlawful, under the cares act we are entitle to apply for this loan

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 2020-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Pursuant to 15 usc 1692 I am requesting validation for this debt. Please provide me with proof that it is mine or that I even have to pay it. I am requesting validation for the following accounts : 1. Capital  One- XXXX XXXX. Capital One-XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I had a test reading from XXXX  XXXX XXXX  XXXX. They filed a claim with XXXX  for {$1300.00}. XXXX  paid them on XX/XX/XXXX for the approved amount of {$81.00}. On XX/XX/XXXX, XXXX XXXX XXXX  XXXX was paid for a claim filed with XXXX XXXX for the remaining balance {$20.00}. Those two payments completed all amounts due and my balance was XXXX. Many months later I received a letter from CMRE Financial Services , Inc . The letter threatened to submit a negative credit report to XXXX  and XXXX if the balance listed on the letter was unpaid. They offered 4 methods you can use to pay Creditor XXXX XXXX XXXX for the amount of {$380.00}. No date of service was supplied and an arbitrary amount of {$380.00} did not exist in any claims. I called XXXX XXXX XXXX   XXXX and was told that the account was sent to collection CMRE and they could not help me with a billing problem because my account was sent to CMRE. I was told that CMRE does all of their billing. I contacted CMRE via phone and tried to find out what this bill was. They told me to request anitemized Bill which was dated XX/XX/XXXX for {$380.00}. It did not include a procedure, only a date of XX/XX/XXXX and a balance due of {$380.00}. I was not successful getting CMRE to acknowledge a balance of XXXX based on my claims for that date. Today, they did exactly what they threatened. The put a negative collection report on XXXX that I was notified of today. I contacted XXXX to dispute the report and they told me that I must get CMRE to take this collection report off my account. As a result, my credit score decreased 122 points from a normal score in the 800s. So, Im trying to get a fraudulent charge for collection removed from my credit report by those that fraudulently put it there.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND I DISCOVERED A BANKRUPTCY ON MY CREDIT FILE WHICH I HAD NEW KNOWLEDGE OFF. THIS ACCOUNT WAS NOT AUTHORIZED BY ME AND I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER. THIS BANKRUPTCY HAS BEEN REPORTING INACCURATELY ON MY CREDIT FILE AND I AM DISTRESSED BECAUSE I HAVE NO IDEA HOW LONG IT HAS BEEN REPORTING NEGATIVELY ON MY CREDIT FILE. I AM REQUESTING IMMEDIATE REMOVAL OF THIS BANKRUPTCY ACCOUNT.

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 2020-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: PA

Complaint narrative:
Pursuant to 15 usc 1692 please provide me with proof that this debt is mine. Please keep in mind this is not a dispute I am just requesting validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: HW Holding, Inc
State: VA

Complaint narrative:
This is my second attempt to rectify this matter. Hunter  Warfield is in violation and they have defaulted by not responding to my affidavit. I have attached my affidavit again. This is their opportunity to cure this. I have also attached my invoice again. I am attempting to settle these Federal consumer rights violations outside of court. Keep in mind I am a federally protected consumer. I am invoking my specified remedy. Remove this debt and remit payment to me for these violations.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Equifax continues to report fraud opened accounts on my credit report. The accounts for XXXX XXXX, Division of Child Support, XXXX, and XXXX/XXXX  XXXX. All these accounts are FRAUD accounts and need to be deleted and BLOCKED from my Report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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: NV

Complaint narrative:
These are not my accounts, addresses and names on my profile.

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 2020-05-01 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: AL

Complaint narrative:
Experian continues to report fraud opened accounts on my credit report. The accounts for XXXX XXXX, Division of Child Support,   XXXX, and XXXX XXXX. All these accounts are FRAUD accounts and need to be deleted and BLOCKED from my Report. I did not open these accounts and have not received anything form these companies.

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