vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-08 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:
I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

Unknown : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 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 am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

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 2019-02-08 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: VA

Complaint narrative:
I have six credit card that are included in bankruptcy, but they are not mine except one. Let me explain. I never knew what a credit card was or about credit scores. When I saw a credit card commercial I ran my debt card as credit to see if it would go through, so it did and so I thought a debit card was also a credit card. so after that I never paid attention again until I started getting calls every day from people saying I owed money, so I thought that one store card I got was cheating me saying I never paid. So after a month of constant calls I stopped paying that store card because I thought they were messing with me. A week later of constant calls I asked my dad who are theses people and he told me debit collectors. So my dad told me the only thing to do was file for bankruptcy and told me it would stop the creditors from calling and that wouldnt have to pay the {$20000.00}. If I wouldve known about the credit bureaus and would have known that you could file for a fraud investigation, then I wouldve chosen that also because I didnt know a bankruptcy could hurt you really bad. After the bankruptcy I started to learn about credit and how it works and came across this guy on XXXX talking about the FCRA and how to get stuff removed. So now Im trying to get them removed because Im XXXX and Im still living with my parents because of the bankruptcy. Ive sent three rounds of letters to the credit bureaus to verify if it was me with a signed consumer contract by the FCRA section 609 ( a ) ( 1 ) ( A ) and they keep saying it verified, but have no documentation. Ive also sent them a letter from capital one saying that the account was not included in the bankruptcy and they still didnt delete and remove the account. So please Im asking for help so that I can get my own place and have a stress less life. 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 2019-02-08 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: VA

Complaint narrative:
I have six credit card that are included in bankruptcy, but they are not mine except one. Let me explain. I never knew what a credit card was or about credit scores. When I saw a credit card commercial I ran my debt card as credit to see if it would go through, so it did and so I thought a debit card was also a credit card. so after that I never paid attention again until I started getting calls every day from people saying I owed money, so I thought that one store card I got was cheating me saying I never paid. So after a month of constant calls I stopped paying that store card because I thought they were messing with me. A week later of constant calls I asked my dad who are theses people and he told me debit collectors. So my dad told me the only thing to do was file for bankruptcy and told me it would stop the creditors from calling and that wouldnt have to pay the {$20000.00}. If I wouldve known about the credit bureaus and would have known that you could file for a fraud investigation, then I wouldve chosen that also because I didnt know a bankruptcy could hurt you really bad. After the bankruptcy I started to learn about credit and how it works and came across this guy on XXXX talking about the FCRA and how to get stuff removed. So now Im trying to get them removed because Im XXXX and Im still living with my parents because of the bankruptcy. Ive sent three rounds of letters to the credit bureaus to verify if it was me with a signed consumer contract by the FCRA section 609 ( a ) ( 1 ) ( A ) and they keep saying it verified, but have no documentation. Ive also sent them a letter from XXXX XXXX saying that the account was not included in the bankruptcy and they still didnt delete and remove the account. So please Im asking for help so that I can get my own place and have a stress less life. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Using my Citi Visa Card, on XXXX XXXX XXXX, I authorized a one-time charge of approx {$15.00}. Citi apparently went nuts and decided to help a shady vendor perpetuate a series of fraudulent charges to my account. I had been managing that account by mail only, using the card very infrequently. Every other card I have used in the past would gladly refund any bogus charge over the telephone so I tried calling them. Frustrated at the lack of cooperation by their representative, I went online. 
I found that they had changed the {$15.00} charge into four separate charges on a single date, XX/XX/XXXX, in the amounts of {$3.00}, {$1.00}, {$3.00} and {$1.00}. On XX/XX/XXXX, they charged me {$97.00} and {$99.00} and on XX/XX/XXXX another XX/XX/XXXX {$97.00}, {$99.00} despite assurances that all charges had been removed. I was told that " it could take up to 30 days for it to not appear on the web site ''. 
My account, previously balance should have been a bit over {$100.00} but was being billed at {$520.00}. I have screen grab images of three separate reps assuring me that all charges had been removed, XX/XX/XXXX and XX/XX/XXXX. Today my bill stands at {$650.00}. Can the CFPB assist 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 2019-02-08 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:
My loan payments were always sent on time. I keep explaining this to Transunion but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX 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 2019-02-08 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:
My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

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 2019-02-08 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:
My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX/XXXX XXXX ; XXXX/XXXX XXXX ; XXXX/XXXX  XXXX ; XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 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:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

For example, XXXX XXXX XXXX XX/XX/2016 {$760.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-08 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 have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

For example, XXXX XXXX XXXX XX/XX/2016 {$760.00}

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 2019-02-08 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:
Creditor is reporting a different date of bankruptcy than the original date. XX/XX/2012 2012

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 2019-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
I checked my credit report and noticed an account reporting from Diversified Consultants for XXXX XXXX. I have never had a XXXX XXXX account and disputed this trade line as fraud. I have contacted Diversified and made them aware that this is the result of identity theft but they have yet to delete this trade line and close the account. I have filed a police report Tracking Number XXXX as well as contacted the FTC for identity theft reference number : XXXX. I am going to file a complaint with the state of Florida Department of Consumer affairs for harassment as they have contacted me by phone at home, work and by way of postal mail even after I have ordered them to cease and desist. I'm going to file a violation of the TCPA as well for contacting me via phone about a debt resulting from identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 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:
Creditor is reporting a different date of bankruptcy than the original date. XX/XX/2012 XX/XX/2012

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 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:
Creditor is reporting a different date of bankruptcy than the original date. XX/XX/2012 2012

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 2019-02-08 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: EQUIFAX, INC.
State: MO

Complaint narrative:
Credit bureaus are reporting inquiries that I have no knowledge of. I wasn't extended any credit from the below listed companies. 
XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX-XX/XX/XXXX, XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
XX/XX/2019 : Eight plus months of negotiation for loan modification to lower payment to the current interest rate on inherited family home. We are currently paying almost double at 8 % interest rate through USBANK. It has been nothing short of a nightmate. Was not allowed to make payments at Bank and was told that it was not necessary during process. Numerous attempts were made to have the heirs names put on mortgage. It never happened. Often times creating much difficulty, to even be allowed to speak with someone regarding the account. Constantly being told many different things through numerous agents, creating much confusion. Having to spend countless times resubmubmitting the same information over and over, only to be told that they did not " receive '' it, on their end, contraire to " proof '' on our end. Discrimination on who was living on the property. *NO COMPLIANCE TO FEDERAL MANDATES FOR HEIRS OF INHERITED PROPERTY WERE FOLLOWED. NONE. Not one, but two home appraisels were performed, of which we may have been charged with possible other fees added. Much time and money were wasted, to no avail. Much " jumping through unnecessary hoops '' only to NEVER RECEIVING ANY HELP only having to now make almost double payments to pay back the loan, including possible additional charges. One of the most stressful experiences I have encountered. Nothing short of a nightmare. It is sad that the millions that banks make off of others, with the majority of times making 100 % interest, often more, on loans, that they refuse to follow federal mandates to help heirs keep their family homes. Customers are often given penalties, through them, but they are never penalized. Iam thankful that my tax dollars pay for government agencies that hold them accountable. Your intervention is greatly appreciated, by someone who just wants to keep their family home after the loss of a loved one. I now understand WHY the federal mandates were put into effect for heirs of inherited property. This is not how they should be treated. US BANK needs to follow mandates, just like the rest of us. I guess compassion does not make them richer. Sad.

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 2019-02-08 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HW Holding, Inc
State: FL

Complaint narrative:
I received a letter in the mail from Hunter Warfield threatening to sue me for a past due amount resulting from eviction. I was in a bad car accident that left me hospitalized for three weeks and in recovery for ten months, resulting in losing my employment. Eventually, I was evicted because I couldnt pay my rent. I reached out to the XXXX at XXXX and explained my situation. They informed me that because I had a unique case, they would not sell my account to collections and would allow me the opportunity to pay {$1300.00} to settle the account as agreed. However, I never received any confirmation of the settlement offered in writing. Because I lost contact with the management company, I assumed the account was taken care of. So, when I received the letter in the mail from Hunter Warfield asking for {$1800.00}, I was very upset.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Credit bureaus are reporting inquiries that I have no knowledge of. I wasn't extended any credit from the below listed companies. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX  XXXX-XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX- XX/XX/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 2019-02-08 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Credit bureaus are reporting inquiries that I have no knowledge of. I wasn't extended any credit from the below listed companies. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XX/XX/XXXX-XX/XX/XXXX XX/XX/XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXXXX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX-XX/XX/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 2019-02-08 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: MO

Complaint narrative:
Credit Bureaus reporting inaccurate information on accounts. Disputed these items before but still have no accurate verification of the information that's being reported on closed accounts. 

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 2019-02-08 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: MO

Complaint narrative:
Credit Bureaus reporting inaccurate information on accounts. Disputed these items before but still have no accurate verification of the information that's being reported on closed accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Credit Bureaus reporting inaccurate information on accounts. Disputed these items before but still have no accurate verification of the information that's being reported on closed accounts. 

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 2019-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Debtor is trying to collect a debt which I have no contract with this creditor. 
XXXX XXXX XXXX. XX/XX/2015 -- - {$350.00}

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