vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-19 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: AES/PHEAA
State: CA

Complaint narrative:
Hello. My name is XXXX XXXX. I recently Check my credit report and find out there is something wrong on my credit account and other credit histories. I never attended college or university before but there is student loan is on my credit report. I already talk to the credit report company that. but student loan still showing on my credit report until today. I don't know what to do. 
I'm going to hire a lawyer and sue these credit report company and Need to Remove student loan Asap. I'm reporting these XXXX, XXXX, XXXX   today. I already mail to them but they don't response my request for loan application which is identity theft and where did I apply loan and loan sign up. They should reply mail back to me with evidence in 30 days. but they didn't do that. Please Help me to remove wrong information on my credit report. I really frustrated with my situation. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 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: GA

Complaint narrative:
Hi my name is XXXX. I recently was at home doing a routine credit check for myself. As i'm going down the list of items on my report I noticed somethings that i'm certain are not mine. I was advised to contact this agency.. I also contacted my local police and FTC. These items are not mine and need to be deleted from my credit report. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Inquiries : XXXX/XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-04-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX/Zales Was in mall one day trying to make payment on a ring I purchased from Zales with a Zales store credit card n prior to making my payment I tried talking to someone thought might like n was walked out by security guard n mall Manager n asked not to return or be trespassing n that's the only place Zales resides never hurt neone or stole from the store or any department I called Zales even sent my mom to mall to make payment on the phone 's they said they couldn't verify me like that n I. The mall same thing I'd have to come in for my account number which would be tres passing I was willing to pay both ways by phone n the store but was denied my payment n account number to use for payment for even online it's the only thing hurting my credit report n to beat it all prior to all this the account was almost paid in full then hit 150 days late past due due to what happened n it's the only negative item on my credit report but when finally got ahold of somebody willing to cooperate they got there money even down to the late charges/fees n I also got a XXXX credit card n it's on time n paid in full I disputed Zales with creditor n credit beaurus n nothing done

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 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:
Hi my name is XXXX. I recently was at home doing a routine credit check for myself. As i'm going down the list of items on my report I noticed somethings that i'm certain are not mine. I was advised to contact this agency.. I also contacted my local police and FTC. These items are not mine and need to be deleted from my credit report. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX. Inquiries : XXXX XXXX XXXX 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 2019-04-19 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:
Hi my name is XXXX. I recently was at home doing a routine credit check for myself. As i'm going down the list of items on my report I noticed somethings that i'm certain are not mine. I was advised to contact this agency.. I also contacted my local police and FTC. These items are not mine and need to be deleted from my credit report. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Inquiries : XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-19 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: GA

Complaint narrative:
I applied for an XXXX account last week. I denied so I wanted to know why I was denied. I called XXXX 's customer service to try and get some sort of explanation on why I was denied but they didn't tell me much. So I went home and checked my credit report. After doing so I see a couple items on my report that are not mine. Im doing this on my own behalf and I also contact my local police and the FTC as advised.These items are not mine and need to be deleted from my report. I'm working on my own behalf. XXXX, XXXX XXXX XXXX, XXXX. XXXX, 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 non-monetary relief
Consumer complaint received 2019-04-19 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:
Hello. My name is XXXX XXXX. I recently Check my credit report and find out there is something wrong on my credit account and other credit histories. I never attended college or university before but there is student loan is on my credit report. I already talk to the credit report company that. but student loan still showing on my credit report until today. I don't know what to do. 
I'm going to hire a lawyer and sue these credit report company and Need to Remove student loan Asap. I'm reporting these XXXX, XXXX, TransUnion today. I already mail to them but they don't response my request for loan application which is identity theft and where did I apply loan and loan sign up. They should reply mail back to me with evidence in 30 days. but they didn't do that. Please Help me to remove wrong information on my credit report. I really frustrated with my situation. Please help me.

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 2019-04-19 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:
Hello. My name is XXXX XXXX. I recently Check my credit report and find out there is something wrong on my credit account and other credit histories. I never attended college or university before but there is student loan is on my credit report. I already talk to the credit report company that. but student loan still showing on my credit report until today. I don't know what to do.

I'm going to hire a lawyer and sue these credit report company and Need to Remove student loan Asap. I'm reporting these XXXX, Equifax, XXXX today. I already mail to them but they don't response my request for loan application which is identity theft and where did I apply loan and loan sign up. They should reply mail back to me with evidence in 30 days. but they didn't do that. Please Help me to remove wrong information on my credit report. I really frustrated with my situation. Please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-19 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:
Hello. My name is XXXX XXXX. I recently Check my credit report and find out there is something wrong on my credit account and other credit histories. I never attended college or university before but there is student loan is on my credit report. I already talk to the credit report company that. but student loan still showing on my credit report until today. I don't know what to do. 
I'm going to hire a lawyer and sue these credit report company and Need to Remove student loan Asap. I'm reporting these Experian, XXXX, XXXX today. I already mail to them but they don't response my request for loan application which is identity theft and where did I apply loan and loan sign up. They should reply mail back to me with evidence in 30 days. but they didn't do that. Please Help me to remove wrong information on my credit report. I really frustrated with my situation. Please help me.

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 2019-04-19 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 applied for an XXXX account last week. I denied so I wanted to know why I was denied. I called XXXX 's customer service to try and get some sort of explanation on why I was denied but they didn't tell me much. So I went home and checked my credit report. After doing so I see a couple items on my report that are not mine. Im doing this on my own behalf and I also contact my local police and the FTC as advised.These items are not mine and need to be deleted from my report. I'm working on my own behalf. XXXX, XXXX XXXX XXXX, XXXX. XXXX, 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 2019-04-19 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: FL

Complaint narrative:
I have a bunch of fraudulent information on my credit report. 

I never had an account with XXXX XXXX XXXX or XXXX XXXX XXXX but they are showing up on my credit report. 

I also have several other inaccuracies on my report such as " XXXX XXXX '' another company that I have know knowledge of and have never opened an account with them. 

This is crazy, how can this be happening?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 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: FL

Complaint narrative:
I have a bunch of fraudulent information on my credit report. 

I never had an account with XXXX XXXX XXXX or XXXX  XXXX XXXX but they are showing up on my credit report. 

I also have several other inaccuracies on my report such as " XXXX XXXX '' another company that I have know knowledge of and have never opened an account with them. 

This is crazy, how can this be happening?

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 2019-04-19 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: FL

Complaint narrative:
I have a bunch of fraudulent information on my credit report. 

I never had an account with XXXX XXXX XXXX or XXXX XXXX   XXXX but they are showing up on my credit report. 

I also have several other inaccuracies on my report such as " XXXX XXXX '' another company that I have know knowledge of and have never opened an account with them. 

This is crazy, how can this be happening?

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 2019-04-19 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: IL

Complaint narrative:
I filed a dispute with LexisNexis involving a public record that is incorrectly reporting on my credit report. It is a Chapter XXXX bankruptcy filing XXXX. They are required by law to report all information on my report 100 % accurately. I disputed the information and it was promptly " VERIFIED. I asked specifically HOW the item was verified and I was not provided with that information. I want to know exactly what was " actually '' done. I received a letter from the courthouse stating that they " DO NOT REPORT ANY INFORMATION TO CREDIT BUREAUS. '' If the incorrect information didnt come from them, then I DEMAND to know where LexisNexis got it! 

I have a legal right to dispute information, according to FCRA 623, the furnisher of information. If this information was received from a " vendor, '' then I demand to know the name and address of this vendor. As of yet, these letters serve as undeniable PROOF of LexisNexis failure to conduct a reasonable investigation as required by the FCRA, and their " verification '' of obviously incorrect information. LexisNexis DID NOT CONTACT THE SOURCE to investigate this item.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: American Accounts & Advisers, Inc.
State: TX

Complaint narrative:
I went to check for financing a vehicle, which this dealership holds, called as XXXX XXXX XXXX. They took the data and put a report on my credit with {$460.00} charge displaying it as American Account Advisor,  Out of nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 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: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
I have an auto loan with BMW FIN SVC. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called BMW FIN SVC and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX and BMW FIN SVC with no successful resolution. XXXX, XXXX, XXXX only reporting me 30 days late.  There was an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 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: Mercedes Benz Financial Services
State: CA

Complaint narrative:
I have an auto loan with MB FIN SVCS. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called MB FIN SVCS and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX and MB FIN SVCS with no successful resolution. XXXX, XXXX, XXXX only reporting me 30 days late. There was an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: AP

Complaint narrative:
I have gone through the credit bureaus to dispute this large collection. The company responded saying that the collection is legit and that it is accurate in FCRA rules. However, I never received a written notice of this debt. In addition, I requested verification of the debt, which I never received.

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 2019-04-19 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: VW Credit
State: CA

Complaint narrative:
I have an auto loan with VW CREDIT. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called VW CREDIT and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX and VW CREDIT with no successful resolution. XXXX, XXXX, XXXX only reporting me 30 days late twice. There was an error on their part. I was never 30 days late twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 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: CA

Complaint narrative:
Equifax Credit reporting agency will not remove fraudulent items off my credit report. Several phone rep from XXXX and American representatives told me no their not going to remove anything. I have submitted my police reports and FTC affidavits. The company doesn't believe in fair credit act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: TN

Complaint narrative:
A XXXX bill was reported to my credit file XXXX for an amount of {$110.00} pm XXXX. I asked for the company to send me VALIDATION that this account belongs to me. The company sent me VERITY and not VALIDATION. I would like for this account to be DELETED from my credit file.

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 2019-04-19 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: FL

Complaint narrative:
Chapter XXXX on XX/XX/XXXX has been dismissed on XX/XX/XXXX. XXXX, XXXX  and Equifax are still reporting as pending/filed. Please removed this inaccurate information from all three major credit reporting agencies. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 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:
Chapter XXXX on XX/XX/XXXX has been dismissed on XX/XX/XXXX. XXXX, Transunion and XXXX are still reporting as pending/filed. Please removed this inaccurate information from all three major credit reporting agencies. Thank you.

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 2019-04-19 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: FL

Complaint narrative:
Chapter XXXX on XX/XX/XXXX has been dismissed on XX/XX/XXXX. XXXX, XXXX and Equifax are still reporting as pending/filed. Please removed this inaccurate information from all three major credit reporting agencies. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 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:
Chapter XXXX XX/XX/XXXX is still reporting. Is this as been dismissed on XX/XX/XXXX. Please remove from my credit file ( inaccurate information )

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