vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-24 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: HI

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Nelson and Kennard, LLP
State: WA

Complaint narrative:
On or about XX/XX/2019, an arbitration was concluded, with proofs and notices. XXXX XXXX XXXX XXXX. tried to sue me without success because an existing Final Foreign Judgement superseded their attempt at evading the law. The final foreign judgement, confirmed and recorded in XXXX County Superior Court under case XXXX, is evidence of this. 

I have been harassed by flurries of threats and motions/ correspondence by XXXX  XXXX XXXX XXXX , Attorney 's named Nelson & Kennard , Attorney named XXXX XXXX XXXX repeatedly put false claims and affidavits into a court record to try to extort the woman named XXXX XXXX . They knowingly and willingly ignored the previous final foreign judgement in order to enrich themselves and this is against public policy. 

My final foreign judgement against XXXX XXXX XXXX XXXX , Nelson & Kennard, XXXX XXXX, and Consumer Financial Protection Bureau is legal and binding for the amount of XXXX. 

I REQUIRE that any and ALL false credit reports be removed immediately! Furthermore, I require the amount due and owing to the woman, XXXX XXXX, be paid in the amount of {$190000.00}, without delay. This is a final and binding contract agreed to by all parties. The woman, XXXX XXXX has endured, Slander, defamation of character, mental and physical duress, time and money taken to defend a fictitious lawsuit, time away from her life, liberty and pursuit of happiness, which is a fundamental RIGHT. MY rights as a woman, have been depleted. I demand payment, and the reporting of my credit to make me whole. Any attempt for this to remain on my credit report, will require 3X amount awarded in final judgement, inclusive to agreed upon contract. 

The Breach of Contract for trying to litigate outside the contract, and attempting to sue in XXXX County District Court, constitutes 3X the award according to the agreed upon contract. This brings damages to {$580000.00}. Now due and owing according to the agreed upon contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC
State: VA

Complaint narrative:
I requested in a previous complaint under # XXXX that the current creditor under the name Debt Recovery Solutions LLC. provide me with verification of this debt that they are attempting to claim and are reporting to the credit bureaus, in the amount of {$780.00} account no. XXXX. 
In their response which is enclosed, the company only attached a letter from another creditor under the name XXXX XXXX XXXX. 
With no details other than my name and address and a date of service of XX/XX/13. 
I was not physically present in the United States on that date. 
Furthermore I've been notified by my bank that my SSN and ID information has been compromised on the dark web by a data breach and I'm at risk of identity theft. 
Please provide evidence and verification of this debt directly from the Original Creditor including a copy of the original bill or statement, or terminate actions to collect this debt and request that the credit bureaus delete your tradeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Comerica
State: SC

Complaint narrative:
i am my brothers payee for his social security benefits i applied for a replacment card in XX/XX/2019 they gave me a hassil and said i need to send my social security card and goverment id for me and my brother which i did and i never heard back from them so i called agin and they gave me the run around and wanting me to send my information agin i said know because now im getting scam emails from direct   express which they said they dont sent emails but told me to email my information i went to XXXX sc socail security office and the agent called direct express and they gave her the run around and finally told her the card will be in my mail box in 7-10 days it never came so i called to XXXX again they were rude which they always are so i called XXXX sc social security office and they said its nothing they can do need to call XXXX  sc so i called the federal social security at XXXX and explained my situation so the agent called direct express he had me on three way direct express agent was rude and said they cant send the card or give out any information tome with him on the phone so i called back and they tried to get me to send my information agin i said no this a scam then they claim they sent the card and its been used which i never gotten

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: SC

Complaint narrative:
I contacted my mortgage company, ocwen/phh and informed them I was having hard times and was going to miss payment. They said that I couldn't apply for a modification until 3 missed payments. I tried to pay after missing 3 payments ( to keep it from becoming more than 3 ) they wouldn't accept 1 payment, they needed all past due amounts, they then denied my modification for being more than 90 days behind.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
total billed {$1000.00} just an estimate XXXX XXXX insurance paid {$270.00} supposedly I have to pay {$140.00} + {$120.00} XXXX XXXX XXXX account XXXX, was suppose to charge me {$1500.00} for all the XXXX work including a XXXX XXXX  and 4 treatment of XXXX XXXX. This XXXX XXXX   made my XXXX worse, both the XXXX and his assistant nurse who also does billing flat out lied to me. They said they would adjusted the rates most of the funds would be billed to the insurance company. After I complained about how he cause so much problems doing the XXXX  XXXX, I told him I am not going to have anymore treatment t. The XXXX ramble on saying I need more treatment. I paid {$100.00} to a XXXX balance ... the XXXX office charged me extra {$240.00} bring the bill to {$340.00}. Which was put on my credit report. After two years, I had several XXXX XXXX and my XXXX are find now. I tried calling the XXXX company explaining I have a XXXX balance and since the XXXX  cause so much pain, listening to the XXXX lies and about healthcare ... I got a second opinion for another XXXX, which had to XXXX several XXXX, and now my XXXX are healthy. All this XXXX was good for taking advantage of me and insurance company. XXXX XXXX XXXX to me is a good scam artist and he can say anything he wants ...

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 2019-10-24 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: NC

Complaint narrative:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.

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 2019-10-24 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: NC

Complaint narrative:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.

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 2019-10-24 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: NC

Complaint narrative:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX

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 2019-10-24 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: NC

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX

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 2019-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to  positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
On XX/XX/2019, I was attempting to make a payment to my XXXX rewards card. My checking account routing number and account number was entered into their online system. After entering all information, I received a conformation email as if a payment was received. On the same day, I entered another payment of {$100.00} dollars for the following month payment and I received a confirmation email. On XX/XX/2019, 1 month after the due date and after contacting the company, I realized that the payment was never received. I was never noticed by email or phone that the account information was entered incorrectly. Now the company is reporting a 30 day late to my credit. 

When speaking to a representative from your company, my information was given to someone else over the phone without my authorization. The representative number ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 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: VA

Complaint narrative:
I disputed an account from XXXX XXXX with Transunion. XXXX   and XXXX aprox. XX/XX/19. XXXX did not verify the account with either of the reporting agencies. XXXX and XXXX removed the account from my report, but Transunion failed to do so and is in violation of the FDCPA.

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 2019-10-24 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:
Please reverse the late payments reported on the following accounts : US DEPT. OF EDUCATION/XXXX The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.

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 2019-10-24 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:
Please reverse the late payments reported on the following accounts : US DEPT. OF EDUCATION/XXXXL The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.

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 2019-10-24 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: VA

Complaint narrative:
On aprox. XX/XX/19 i submitted a dispute about an account from XXXX XXXX appearing on my credit. Both XXXX and XXXX removed the account from my report because the company did not verify the information. Transunion failed to remove the account even though it was not verified by 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 2019-10-24 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

US DEPT. OF EDUCATION/XXXX and XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX XXXX, XXXX 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 2019-10-24 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: TX

Complaint narrative:
I am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion credit report. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit

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 2019-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
Time is of the Essence to this request. Friend needs emergency XXXX. Friend was robbed and attacked and has XXXX XXXX, XXXX, XXXX needs XXXX. I started a Wire Transfer XX/XX/2019 for emergency XXXX for a friend of mine of XXXX $ Reference # XXXX at Suntrust Bank in XXXX XXXX, Va. Suntrust has some arrangement with XXXX XXXX in New York to be the intermediary. I contact XXXX and they refused to check status. I contacted Suntrust same result. 

I sent wire expected quick delivery. 

Please prosecute, penslize and take enforcement action. 

I paid fee of {$40.00}. 

My friend is going to die unless funds are transferred asap.

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 monetary relief