vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-03 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: ID Analytics, Inc.
State: OH

Complaint narrative:
I need to have my name and address corrected on my credit report. My name is XXXX XXXX XXXX XXXX. my DOB is XXXX my Social Security is XXXX. I live at XXXX XXXX XXXX XXXX OHIO XXXX. I AM XXXX XXXX OF XXXX XXXX XXXX. PLEASE REMOVE ANY OTHER NAMES AND EMPLOYERS FROM MY CREDIT REPORT THEY ARE NOT ACCURATE! THESE ADDRESSES THAT APPEAR ARE NOT MINE PLEASE DELETE THE FOLLOWING : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX XXXX XXXX CT XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX OH XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I need to have my name and address corrected on my credit report. My name is XXXX XXXX. 
XXXX XXXX. my DOB is XXXX my Social Security is XXXX. I live at XXXX XXXX XXXX XXXX OHIO XXXX. I AM SELF-EMPLOYED OWENR OF XXXX XXXX XXXX. PLEASE REMOVE ANY OTHER NAMES AND EMPLOYERS FROM MY CREDIT REPORT THEY ARE NOT ACCURATE! THESE ADDRESSES THAT APPEAR ARE NOT MINE PLEASE DELETE THE FOLLOWING : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX   XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX OH XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, PA 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 2019-11-03 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I need to have my name and address corrected on my credit report. My name is XXXX XXXX. 
XXXX XXXX. my DOB is XXXX my Social Security is XXXX. I live at XXXX XXXX XXXX XXXX OHIO XXXX. I AM SELF-EMPLOYED OWENR OF XXXX XXXX XXXX. PLEASE REMOVE ANY OTHER NAMES AND EMPLOYERS FROM MY CREDIT REPORT THEY ARE NOT ACCURATE! THESE ADDRESSES THAT APPEAR ARE NOT MINE PLEASE DELETE THE FOLLOWING : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX XXXX XXXX CT XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX OH XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03 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: OH

Complaint narrative:
I need to have my name and address corrected on my credit report. My name is XXXX XXXX. 
XXXX XXXX my DOB is XXXX my Social Security is XXXX. I live at XXXX XXXX XXXX XXXX OHIO XXXX. I AM SELF-EMPLOYED OWENR OF XXXX XXXX XXXX. PLEASE REMOVE ANY OTHER NAMES AND EMPLOYERS FROM MY CREDIT REPORT THEY ARE NOT ACCURATE! THESE ADDRESSES THAT APPEAR ARE NOT MINE PLEASE DELETE THE FOLLOWING : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX XXXX XXXX CT XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX OH XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, PA 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 2019-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I AM HAVING PROBLEMS WITH UNKNOWN numbers and inaccurate information on my credit report please delete the following : XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX I need the following accounts deleted from my credit report they are not accurate : 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 never owned a XXXX XXXX account in my life it has to be one of the worst credits on the market and I would never apply for a XXXX XXXX CARD! ALL MY LOANS ARE IN GOOD STANDING. PLEASE DELETE ALL XXXX ACCOUNTS MY LOANS ARE WITH XXXX XXXX NEVER 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 2019-11-03 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
XXXX XXXX  XXXX verified that I have no debt, loan or default under my name, or ssn to the Sheriff, cyber crimes unit. In an attempt to collect debt and embezzle property, the debt was " KITED '' in direct violation of truth In Lending Act ( 15 USC 1601-1667f ), Title 18 513 ( a ) 1-3, B, C, D, E, counterfeit forged securities. 


XXXX  XXXX XXXX, purchased a {$50.00} buydown title policy and brought a {$0.00} principle balance debt to $ XXXX, while a XXXX trustee attempts to sell the property through XXXX for XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX I am a victim of identity theft ; pursuant to 530. - 530.55,  booked into evidence by cyber crimes is verifies the new loan issue dates which I am not in the notary journal. 

I have no loan with any of these parties, as verified by authorized two way recorded conversation booked with the Sheriff.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I can't get XXXX Credit Score from XXXX XXXX. 
I am worry about that My application of XXXX XXXX Credit card now. 
So, Would you check that Why Credit score of XXXX is N/A.

XXXX is XXXX and just fine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03 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: NRA Group, LLC
State: PA

Complaint narrative:
National Recovery continues to furnish paid information on credit file. Company received notices over 30 days ago. Company failed to comply according to FCRA Guidelines.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
Was informed XX/XX/XXXX that money would be taken out of my bank account on XX/XX/XXXX if I did not submit in-school deferment forms. 
Faxed in-school deferment forms to Sallie Mae on XX/XX/XXXX. 
Was told by an agent on the phone XX/XX/XXXX there was no record of them ( despite the fact I have a receipt of a successful fax to the proper number ). She directed me on how to upload them online. 
Was told on the phone by a second agent three hours later that the forms were received. 
Was told by BOTH agents on XX/XX/XXXX that absolutely no money would certainly be taken out. 
Money was taken out XX/XX/XXXX. 
Spoke with an agent XX/XX/XXXX who contradicted the two agents I spoke with XX/XX/XXXX. She asserted the payment could not be stopped and denied that XX/XX/XXXX was the date they told me money would be taken out ( which they did tell me on XX/XX/XXXX ). She also told me it was my bank who decided to pull the money then, not Sallie Mae ( which is false ). This agent went on to tell me Sallie Mae would continue to collect monthly payments even if my in-school deferment was approved because I enrolled in auto-debit ( on XX/XX/XXXX ), which is not in accordance with the auto-debit Terms and Conditions. She also went on to say that the other agents I spoke with had no responsibility to tell me that I should withdraw from auto-debit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03 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: HireRight Solutions, Inc.
State: GA

Complaint narrative:
Every time I attempt to get a job or credit, the following fraudulent addresses are appearing on my report and should be removed immediately : XXXX XXXX, XXXX, TN XXXX Date reported : XX/XX/XXXX XXXX XXXX, XXXX, TN XXXX Date reported : XX/XX/XXXX XXXX XXXX, XXXX, TN XXXX Date reported : XX/XX/XXXX XXXX XXXX XXXX, NY XXXX Date reported : XX/XX/XXXX XXXX XXXX XXXX, GA XXXX Date reported : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MO

Complaint narrative:
Moneygram, again deactivate my account to denied me to pay my creditor I timely, matter I have contacted them about this on XX/XX/2018, at XXXX And they refuse to reactive my account. I was speaking to Foreign personnel about this and they claimed that they understand but yet their hands are tied in fact I know the last person I speke can reactive my account all he said was he just filling the intercompany complaint. that will be no go.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03 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: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX continues to furnish paid information on credit file. Company received notices over 30 days ago. Company failed to comply according to FCRA Guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I AM HAVING PROBLEMS WITH UNKNOWN numbers and inaccurate information on my credit report please delete the following : XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX I need the following accounts deleted from my credit report they are not accurate : 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 never owned a XXXX XXXXXXXX account in my life it has to be one of the worst credits on the market and I would never apply for a XXXX  XXXX CARD! ALL MY LOANS ARE IN GOOD STANDING. PLEASE DELETE ALL XXXX ACCOUNTS MY LOANS ARE WITH XXXX XXXX NEVER XXXX/ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03 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: OH

Complaint narrative:
I AM HAVING PROBLEMS WITH UNKNOWN numbers and inaccurate information on my credit report please delete the following : XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX I need the following accounts deleted from my credit report they are not accurate : 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 never owned a XXXX  XXXX account in my life it has to be one of the worst credits on the market and I would never apply for a XXXX XXXX CARD! ALL MY LOANS ARE IN GOOD STANDING. PLEASE DELETE ALL XXXX ACCOUNTS MY LOANS ARE WITH XXXX XXXX NEVER 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 2019-11-03 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: EQUIFAX, INC.
State: PA

Complaint narrative:
US Bankruptcy court has placed negative item on credit file. Bankruptcy was discharged in XX/XX/XXXX, not XX/XX/XXXX Bankruptcy has been re-aged.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03 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: LEXISNEXIS
State: PA

Complaint narrative:
US Bankruptcy court has placed negative item on credit file. Bankruptcy was discharged in XX/XX/XXXX, not XX/XX/XXXX Bankruptcy has been re-aged.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Convergent Resources, Inc.
State: UT

Complaint narrative:
Convergent continually calls me about a XXXX debt that was discharged in bankruptcy. Even after politely asking them 30 or so times at this point, they continually calls, write, and email.

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 2019-11-03 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: Nelnet, Inc.
State: PA

Complaint narrative:
Department of Education continues to increase payments on credit file. Currently enrolled in XXXX XXXX XXXX XXXX XXXX. Account is currently in Forbearance. Made several Attempts to resolve with company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
XXXX continually calls me about a PayPal debt that was discharged in bankruptcy. Even after politely asking them 30 or so times at this point, they continually calls, write, and email.

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 2019-11-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
After reviewing a copy of my credit report, I noticed a collection accounts placed on my credit report from CMRE Financial services. I am requesting that you allow my attorneys and I to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, my attorneys and I are allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties agency. I did not give permission to any of my current or prior medical providers to release any of my medical information and/or records to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients signed authorization. I have never given authorization to release any information in accordance to my rights under HIPAA. Therefore, my request is threefoldvalidation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Also an original copy of contract with original creditor that gives you the right to collect debt in pursuant to the FDCPA. Cease any credit bureau reporting until the debt has been validated by me and my attorneys. Also until debt can be validated by me, I am allowed under the FCRA to have any debts in relation to be removed from my reports until the items can be validated my attorneys and I. Please send this information to my address listed and accept this letter sent via the CFPB complaint portal as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting or accounts being placed with the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I can't get Transunion Credit Score from XXXX XXXX. 
I am worry about that My application of XXXX XXXX Credit card now. 
So, Would you check that Why Credit score of Transunion is N/A.

XXXX  is XXXX and just fine.

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 2019-11-03 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: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/2019 ( read attached ), Wells Fargo continues to ignore NOT reporting my paid in full account as I had a XXXX 's XXXX XXXX Card then. 
My credit has been missing this good paid in full account for 5 years!!! 
Violations of FCRA for 5 years. 
The complaint is against Wells Fargo. 
When a company aquuires another company, all account records transfer to the new owner.

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 2019-11-03 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Department of Education continues to increase payments on credit file. Currently enrolled in XXXX XXXX XXXX XXXX XXXX. Account is currently in Forbearance. Made several Attempts to resolve with company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account information incorrect
Company: Possible Financial Inc
State: TX

Complaint narrative:
Completely XXXX my credit score, I made every payment in full and on time, never had any late payments and I am only one payment away from paying this off in full and apparently theres no reason as to which dropped it just did so they are no help and they completely destroyed my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03 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: RentDebt Automated Collections, LLC
State: DE

Complaint narrative:
Rent Debt Automated continues to furnish information on credit file. A report was filed due to Identity Theft XXXX XXXX in XX/XX/XXXX went in my wallet stole drivers License and credit card. She has a record of identify theft. SHe was charged in XXXX XXXX Texas. She passed away from a massive XXXX XXXX in XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03 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: MERCANTILE ADJUSTMENT BUREAU, LLC
State: DE

Complaint narrative:
Mercantale continues to furnished paid improper information on credit file. Continue to reach out to company regarding item on credit report.

Company response to consumer: Closed with explanation