vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-10 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:
Dear Mr or Mrs , My name is XXXX XXXX Address is XXXX XXXX XXXX XXXX CA XXXX SSN # is XXXX I started working to fix my credit on XX/XX/XXXX with XXXX, Equifax and XXXX  until now XX/XX/XXXX still not done yet!! I have become a victim of identity thief as the perpetrator used my name and social security to create bank accounts without my knowledge. XXXX  and XXXX   they already removed the account does not belong to me which is the one Equifax they are " verified that item belong to me " that's what they said when i recieved a dispute result and Confimation # XXXX, after i saw that was wrong then i called them back on again and they said they still working on it give and NOW i waited too long i can't not wait anymore. 
OK they want police report, they want dispute letter i sent to them i had certified mail receipt, even i sent a dispute result from XXXX  to prove myself I done all that, i already do everything on my power. On dispute letter i already said my family going to buy a house and many many times on phone call can you guys do it quick. 
NOW i need to do my loan approval on next week but how i can do that if my credit like this. 
NOW next week i have to pay that {$840.00} for XXXX XXXX XXXX which is account i don't even know where the XXXX is this come from. ALL I need right now is my credit clear out so i can get qualify to my loan approval for my new house. 
I feel like i just got ROB. WHERE IS THE LAW IN THIS LAND!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Commerce Home Mortgage, Inc
State: CA

Complaint narrative:
I applied for a refinance in late XX/XX/XXXX. Loan docs were signed XX/XX/XXXX. My first house payment was not due until XX/XX/XXXX. In XX/XX/XXXX I did not receive any payment notification stub. I received a voice message XX/XX/XXXX regarding my mortgage and to call the lender, which I did, on XX/XX/XXXX, to find out that I was speaking with a new mortgage company, XXXX XXXX, and my loan was sold XX/XX/XXXX. Because of late notice my first house payment due XX/XX/XXXX was waived and first payment would be XX/XX/XXXX. I received a letter from Commerce Home Mortgage, first mortgage lender that sold my loan, stating I owed {$7900.00}. I contacted the mortgage person, who helped me get my current refinance, on XXXXHe then texted that after speaking with the first mortgage lender that I need to pay the first payment of {$2600.00} that was due in XXXX. All this texting and documentation occurred XX/XX/XXXX and I was told that to wait until further word from the first mortgage lender. Today XX/XX/XXXX I received word to pay up the first month. The loan officer for Commerce Home Mortgage, XXXX XXXX, wanted overnight delivery ASAP. Because I want the harassment to stop I stated I would send out the payment on XXXX/XXXX/XXXX in the afternoon. 
I am being harassed for miscommunication between my first mortgage lender and my current mortgage lender. To rectify their mistake Commerce Home Mortgage is taking their mistake out on me. The only notification I ever received from them prior to the harassment was a letter of my loan being sold and that was dated XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 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: NV

Complaint narrative:
I have on several occasions tried to have the credit reporting agency remove some inaccuracies for my personal information on my credit report. The reporting agency has some addresses listed as " apts '' that are not. The agency has some unit numbers listed incorrectly on a number of occasions. The agency has a great amount of addresses that are listed incorrectly ; i.e. apartments, single family, business, and WILL NOT remove them. Furthermore, my legal name is either repeated or reported incorrectly and these illegal entries are reporting falsely on 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 2019-01-10 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: LA

Complaint narrative:
This is a copy of my most recent email to XXXX, after trying over a year to get my free credit report : " Would you please explain to me, why after all this time and full size documents I took my time to send ... REPEATEDLY send nonetheless, why I have yet to receive my credit report? 
My social security card and number, STATE issued photo ID, copy of my utility bills, etc have all been sent and there still send to be an issue when just sending MY OWN information. Why is that? 
Also, there IS no conflicting information nor fraudulent information sent on part, or else I would've never been ABLE TO GET a social security card, state ID, etc to " prove '' my own identity. 
This is ridiculous at this point, and I've elected to reach out to higher authorities on this matter, because there is no reasonable excuse that exist as to why I've been excluded from my own information I am entitled to, in accordance with state and federal Laws especially. 
And any person would be naturally justified to file complaint and seek higher authority.

There are FEDERAL LAWS against withholding a person 's Right to his/her own information. Yet, your site even states that any 3rd party can get my information, and I'm sure that they don't even have to go through all this. 
For example, I rightfully and naturally would have issue that anybody can walk into a bank and claim to work there or actually work there but easily access AND PRINT MY personal, federally protected information for even fraudulent means. Yet even WITH my having to KEEP sending all my proof and asked to do so repeatedly nonetheless, it has taken repeated effort and expense on my part to give you information to me that you already have and have access to that you have IMMEDIATELY AND READILY handed over to banks, and any other 3rd party institution at their leisure. '' I have spoken over the phone to several reps of XXXX, because free credit report.com keeps sending the same email " sorry for your inconvenience ... click on this link and go straight to XXXX to resolve ... '' nonsense.

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 2019-01-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Genesis Lending
State: CA

Complaint narrative:
I made a payment to off my account but when I inquired about why it showed XXXX available for usage the agent said my account is on hold and she doesn't know how long it will be on hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 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 belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Inquiry details on my account, Please remove this. Thank you! 

XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX I have recently obtained a copy of my XXXX  credit report. It showed a credit inquiry by your company that I do not recall authorizing. It is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so. Please have this inquiry removed from my credit report because it is affecting my Home loan application and making it very difficult for me to acquire credit I have sent this letter through certified mail in as much as I need your prompt response to this issue. Please be so kind as to forward documentation that you have already had the unauthorized inquiry removed. 

However. should you find that I am remiss and that you did have my authorization to inquire into my credit report then please send me proof of this fact Thank you very much.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-10 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: MO

Complaint narrative:
Mo Family Support Division is reporting on my credit file when in fact I have no contract, nor obligation to such debt. And no court order either, so I'm requesting physical documentation of such that bonds and binds me to this outrageous debt of {$36.00}, XXXX. 

Please remove / block this debt from 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 2019-01-10 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 check my Equifax Credit Report and I have a split/duplicated credit profile and one is XXXX XXXX XXXX and two is XXXX XXXX and they need to be merge together and Equifax refused to do so and it damaged my credit score and it went down to XXXX points and I ask Equifax several times to merge my credit profile together and they wont do it and it need to be merge

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 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: MO

Complaint narrative:
Mo Family Support Division is reporting on my credit file when in fact I have no contract, nor obligation to such debt. And no court order either, so I'm requesting physical documentation of such that bonds and binds me to this outrageous debt of {$36.00}, XXXX. 

Please remove / block this debt from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-10 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: MO

Complaint narrative:
Mo Family Support Division is reporting on my credit file when in fact I have no contract, nor obligation to such debt. And no court order either, so I'm requesting physical documentation of such that bonds and binds me to this outrageous debt of {$36.00}, XXXX. 

Please remove / block this debt from 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 2019-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2019-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2019-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 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: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I received my XXXX  report and I noticed there are some inquires that are not mines and I open up a disputes on them in the past and they were denied and I provide them documents in the past and they didnt do anything about it ... .. there are several inquires from XXXX  on the behalf of ace cash express .... and all the inquires are not done by me or nor I do business with these companies there one for XXXX XXXX on XX/XX/XXXX I didnt apply for check card and I didnt apply for XXXX XXXX on XX/XX/XXXX and there is inquires for XXXX XXXX XXXX on XX/XX/XXXX I didnt apply for XXXX   inquires XX/XX/XXXXace cash express XX/XX/XXXX XXXX XXXX XX/XX/XXXXloan by XXXX   XX/XX/XXXXace cash express XX/XX/XXXXace cash express XX/XX/XXXXace cash express XX/XX/XXXX ace cash express

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
I received my chexsystems report and I noticed there are some inquires that are not mines and I open up a disputes on them in the past and they were denied and I provide them documents in the past and they didnt do anything about it ... .. there are several inquires from XXXX  on the behalf of XXXX XXXX XXXX .... and all the inquires are not done by me or nor I do business with these companies there one for XXXX XXXX  on XX/XX/XXXX I didnt apply for XXXX XXXX and I didnt apply for XXXX XXXX on XX/XX/XXXX and there is inquires for XXXX XXXX XXXX on XX/XX/XXXX I didnt apply for XXXX inquires XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXXXXXX XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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 2019-01-10 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: DISCOVER BANK
State: TX

Complaint narrative:
I received my XXXX  report and I noticed there are some inquires that are not mines and I open up a disputes on them in the past and they were denied and I provide them documents in the past and they didnt do anything about it ... .. there are several inquires from factortrust on the behalf of XXXX XXXX XXXX .... and all the inquires are not done by me or nor I do business with these companies there one for discover bank on XX/XX/XXXX I didnt apply for check card and I didnt apply for XXXX credit on XX/XX/XXXX and there is inquires for XXXX XXXX XXXX  on XX/XX/XXXX I didnt apply for XXXX inquires XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2019-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 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: FL

Complaint narrative:
NOT A DUPLICATE COMPLAINT. This is in response to recent mail dated XX/XX/XXXX and received XX/XX/XXXX. Equifax has been ignoring my disputes, which is an FCRA violation. I know this because I have been disputing incorrect, conflicting information on accounts and violations on accounts ; YET, Equifax keeps sending me " results '' stating this item belongs to you. Since I've just disputed the fact that a collection account is ILLEGALLY REPORTING A PAST DUE and all you send me is the same generic 'we 've verified that this account belongs to you ' message, that makes no sense whatsoever! Furthermore, please tell me how this same account reports a " date of first delinquency '' in XX/XX/XXXX, TWO YEARS  BEFORE THE ACCOUNT REPORTS TO BE OPENED ON XX/XX/XXXX and not one human being deletes this account for such a blatant violation! The other two accounts I'm disputing have TWO DIFFERENT, CONFLICTING " ACCOUNT OPEN '' DATES ; yet, for these two accounts as well, I got the very same generic " ... this item belongs to you '' message when that isn't even what I was disputing! Equifax has proven that it has not read nor properly settled my disputes! I called a day ago and spoke with a rep who even stated to me that they send the creditors alerts to do an investigation. THAT is what Equifax considers to be their own investigation, which is no investigation at all! Look up the call record on my file! To help you all find it, I even submitted a dispute into false and extremely outdated addresses on that same call. I've attached the disputed accounts, as well as my ID & SS card in a document. PLEASE EXPEDITE THIS DISPUTE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 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: FL

Complaint narrative:
NOT A DUPLICATE COMPLAINT. This new complaint is in response to recent postal mail dated XX/XX/XXXX and received by me on XX/XX/XXXX from Experian. They have been ignoring my disputes and just casually 'updating ' the accounts with typical account info. Therefore, there are a few accounts still ILLEGALLY REPORTING in my credit file. As I mention in my attached document, Experian stated in this Dispute Report # XXXX on XX/XX/XXXX that accurate information can not be deleted. Well, please tell me how in the world an account thats reporting late months with THEM ( in XX/XX/XXXX and XX/XX/XXXX ) are reporting POSITIVE AT XXXX for the lifetime of the accountincluding for those SAME MONTHS they claim I was late! HOW IS THIS ACCURATE? WHY WAS THIS INACCURACY & VIOLATION NOT UPDATED TO POSITIVE? Please tell me how illegally reporting a re-aged account is " accurate '' information. Or how accounts that have two different " account open '' dates across bureaus are reporting 'accurately ' with you. THESE ARE ALL VIOLATIONS. I demand that this dispute be expedited due to Experian 's negligence and the disputed accounts be deleted immediately and updated to positive where noted. The attachment includes my SS card and photo 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