vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-01 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: NC

Complaint narrative:
In XXXX, 2017 my identity was stolen and accounts were opened in my name for XXXX XXXX XXXX, XXXX and XXXX. I filed all the necessary paperwork ( Police Report, ID Theft Affidavit, ID Theft Report ), had all the accounts removed from my credit report, froze my credit and contacted XXXX XXXX XXXX, XXXX and XXXX to inform them of the identity theft. I then filled out multiple pages of paperwork with each creditor to prove the identity theft. Despite all these efforts, XXXX XXXX XXXX and XXXX continue to sell this debt to collection agencies, who then call me. Even worse, these fraudulent accounts keeps reappearing on my credit report, negatively impacting my credit scores.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 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: CA

Complaint narrative:
According to the Fair Credit Reporting Act, 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.

I demand 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 verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
Late payments reported on my credit report are not correct as I was of the understanding that I was either in deferment of forbearance. The problem is compounded as it appears that I have 6 separate loans with Navient that have all been reported as late. Communication with Navient has been confusing and frustrating at best as to my real situation. My loans are now current but I cant get the negative information removed from my credit report which is affecting my ability to get housing

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
XX/XX/2019 Friday, Chase Bank, XXXX XXXX, ( Mgr : XXXX XXXX ), XXXX XXXX, XXXX XXXX, Michigan, XXXX. 
My deposits and withdrawals do not add up, reflecting a negative balance of $ XXXX. 
I talked with the bank manager to resolve the issue, she escalated this information further and was told someone would get back to me. 
My Account had a negative balance of {$5.00} this morning, before the deposit of XXXX. 
Account owing {$2000.00} ... ... .withdrawals of - {$21.00}, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, ( ATM withdrawal at this bank ) XXXX approximately XXXX. My balance is XXXX. 

The bank accessed a fee of {$34.00} for being over by {$.00}. It was reversed today. Therefore, the bank says it cancels each other out, it should not reflect a change in my balance if it cancels each other out? BUT IT DOES. SEE ABOVE. 

I do not have access online to my account, locked out. I signed up for overdraft protection ( was approved ), alerts to new charges and low balances by text and email. I do not receive them at all. 

My debts and deposits do not add up. I keep having this issue from MICHIGAN TO OHIO. When something is returned or reversed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-01 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: CA

Complaint narrative:
According to the Fair Credit Reporting Act, 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. 
I demand 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 verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX  XXXX, XXXX   XXXX/XXXX XXXX and XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 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: CA

Complaint narrative:
According to the Fair Credit Reporting Act, 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.

I demand 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 verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 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: CA

Complaint narrative:
XXXX has been removed from my XXXX credit report. I have contacted XXXX, Transunion, and XXXX. They keep telling me that they have verified it. How? How are they verifying it when XXXX   removed it off my credit? 

XXXX keeps sending me a paper to have them verify the account for them which I am not going to do because it is not my job to do it and they should have the information if they are trying to verify. It is not my account. 

XXXX removed it and it is not accurate. This is the last final warning. If I do not get this removed off my credit report by the end of the year, I will file suit. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I have given you 30 days to remedy the situation, which is a very reasonable period multiple times. Since you are still reporting this account on my credit report, you are now in violation of the FCPA and are now subject to fines of {$1000.00}, which I may collect from you by filing a claim in small claims court.

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 2019-11-01 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: NC

Complaint narrative:
I am displeased at the disregard to the dispute I recently submitted asking for fraudulent accounts I do not recognize to be validated.

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 2019-11-01 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: NC

Complaint narrative:
I am displeased at the disregard to the dispute I recently submitted asking for fraudulent accounts I do not recognize to be validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 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: CA

Complaint narrative:
XXXX sold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system. If no proof found, therefore it must be deleted. 

Chapter XXXX Bankruptcy Reference # : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 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: TN

Complaint narrative:
Hi I've requested an accurate dispute to be investigated regarding several accounts I'm unaware of on my reports. I haven't been able to get this resolved and information or proof hasn't been sent to me from the said creditors showing the validation of these accounts.

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 2019-11-01 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I received a letter from Chase dated XX/XX/2019 informing me they were closing three of my credit card accounts. I was traveling at the time this letter arrived at my home and first learned about the cancellations when a business did not accept one of my credit cards for payment. When I called Chase at that time, all they could tell me was " read the letter we sent you, we can not provide any other information to you ''. 
When I got home, the only reason for the cancellations stated in Chase 's letter was " our affiliate is ending their banking relationship with you '' ... I never understood what this means since I don't know what " affiliate '' they are referring to. 
Since I had no luck getting information from their Customer Service call center, I sent secure email messages on the Chase website to see if this would help answer my questions ( one of the customer service phone reps recommended this ). After a few Chase email replies suggesting to call customer service, and not getting any responses there, I realized I wasn't getting anywhere. The company switched from " you must talk to someone on the phone to get this information '' to " we can only answer you in a secure email '' and back again. 
I have a credit score of about 800 and have always paid my bills ( over $ XXXX/mo ) on time for several years. I am concerned that they have canceled my account because I have just recently become XXXX years old or some other unfair/unlawful reason and don't want to share this information with me. 
Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 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: CA

Complaint narrative:
Late payments reported on my credit report are not correct as I was of the understanding that I was either in deferment of forbearance. The problem is compounded as it appears that I have 6 separate loans with XXXX that have all been reported as late. Communication with XXXX has been confusing and frustrating at best as to my real situation. My loans are now current but I cant get the negative information removed from my credit report which is affecting my ability to get 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 2019-11-01 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: CA

Complaint narrative:
XXXX sold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system. If no proof found, therefore it must be deleted. 

Chapter XXXX Bankruptcy Reference # : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 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: GA

Complaint narrative:
I have contacted the credit reporting agencies about fraudulent accounts that have been opened in my name and I requested them to be removed from my file. The information is inaccurate and not valid, I needed to mail them current ID and mailing address along with fraud affidavit to support my concerns. They have not removed any negative inaccurate reporting nor have they removed any of the fraudulent accounts that I have reported to the agencies ( XXXX, Transunion, XXXX ). Since I have been disputing the inaccurate account, the bureaus have not sent me any credit reports nor have they followed the Fair Credit Reporting Act rules that are in place to protect the consumer. My rights are being violated my personal information has been compromised and I need to get the accurate information to be reported on my report. I am a victim of identity theft and I must have some valid proof from somewhere with a contract or a verified agreement that has my signature, I request this from the 3 credit agencies and they have not provided me with any documents to confirm any debt to be valid or connect to myself.

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 2019-11-01 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: GA

Complaint narrative:
I have contacted the credit reporting agencies about fraudulent accounts that have been opened in my name and I requested them to be removed from my file. The information is inaccurate and not valid, I needed to mail them current ID and mailing address along with fraud affidavit to support my concerns. They have not removed any negative inaccurate reporting nor have they removed any of the fraudulent accounts that I have reported to the agencies ( XXXX, XXXX, Equifax ). Since I have been disputing the inaccurate account, the bureaus have not sent me any credit reports nor have they followed the Fair Credit Reporting Act rules that are in place to protect the consumer. My rights are being violated my personal information has been compromised and I need to get the accurate information to be reported on my report. I am a victim of identity theft and I must have some valid proof from somewhere with a contract or a verified agreement that has my signature, I request this from the 3 credit agencies and they have not provided me with any documents to confirm any debt to be valid or connect to myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Earnest Inc.
State: CA

Complaint narrative:
I have been trying to apply for student loan refinancing because my XXXX student loan was given to me at a predatory variable rate of 10 % and 9 % when I was just XXXX years old. As a XXXX year old woman, with a well paying job, I have been making over {$1600.00} payments on-time every month, but the principal in each payment is less than {$500.00}. My student loans have been in repayment for over 2.5 years. I applied to refinance with Earnest by applying for loan refinancing on XX/XX/2019. Although I am able to get approvals at other institutions with my good credit and low risk factors, Earnest denied my application because I didn't have a college degree. I believe this to be discriminatory to people who are unable to finish school, have to take extended breaks in enrollment, or have extenuating life circumstances. I pay my student loans on-time each month and maintain high credit and low risk factors as a borrower, only to be discriminated against when trying to lower my interest rates. When I spoke with Earnest on XX/XX/2019, they stated it is one of their requirements in their lending license. 

Having, obtaining, or not holding a college degree is not a risk factor in determining credit worthiness and should not be held against people trying to refinance their student loan debt burden. This type of discrimination is completely unnecessarily prejudiced towards borrowers with a very common academic path and does not determine one 's credit worthiness. I believe Earnest to be discriminating towards people from unprivileged backgrounds who do not/did not have the ability to have a linear college experience and are endowing extra pressures to maintain predatory student loan interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
On the evening of XX/XX/2019, I noticed a paper underneath my door. As it turns out, the paper was a summons from MIDLAND FUNDING, LLC. However, the summons was not handed to me in-person and thus was issued in bad service. Also, the summons is defective as there is no affidavit in support of the summons, no affidavit in support of the complaint, and no contract attached to the complaint to verify that MIDLAND FUNDING, LLC is legally allowed to collect on an alleged debt. Basically, Midland Funding LLC is not the original creditor. They admit to having bought my debt from another third-party creditor. However, there is no chain of assignment attached to the complaint I received. Additionally, the complaint is not certified or stamped with a seal from the court. Please note that by failing to certify the complaint, the plaintiff has obstructed the rules of the chief administrative judge part 130 : costs and sanctions : section 130-1.1, where it states : ( b ) certification. By signing a paper, an attorney or party certifies that, to the best of that persons knowledge, information and belief, formed after an inquiry reasonable under the circumstances, ( 1 ) the presentation of the paper or the contentions therein are not frivolous as defined in section 130-1.1 ( c ) .Of this subpart, and ( 2 )  where the paper is an initiating pleading, ( i ) the matter was not obtained through illegal conduct, or that if it was, the attorney or other persons responsible for the illegal conduct are not participating in the matter or sharing in any fee earned therefrom, and ( ii ) the matter was not obtained in violation of Part 1200. Rule 4.5 of this Title.

Company response to consumer: Closed with explanation