vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-17 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:
Since XX/XX/XXXX I have contacted the creditor and all three credit bureaus ( XXXX, XXXX, and Transunion ) disputing the unknown inquires and asking them to provide documents to support their claim of authorization to run my credit such as identifying documents, a legal contract bearing my signature. For over six months all I get are " form '' letters no real facts when they should have provided these documents within 30 days according to FCRA law. They have continued to break the law while my quality of life suffers with multiple inquiries. This is my last attempt to resolve this issue without legal assistance. 

XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing

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 2019-12-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO

Complaint narrative:
I received in the mail today XX/XX/XXXX, from XXXX XXXX XXXX ( XXXX  ), regarding a Wage Garnishment From Wakefield & Associates, INC of the amount of {$8500.00}, ( XXXX XXXX XXXX, XXXX College from XXXX, I did not attend, and I have Colorado XXXX for the Ambulance Rides to the Hospital due to Automobile accidents XXXX, XXXX, other medical regarding the accident that XXXX should have been billed for, and XXXX XXXX XXXXXXXX XXXX, did not go there, establishment is out of business ) The Unit manager, or associate give me login information to where you can dispute online to where you can dispute those account, I couldn't login to do that, without making a payment, I do owe this debt. I saw copies of court documents regarding, I don't owe this, Wakefield & Associates are planning on garnishing wages, from my employer, that is fairly new, I haven't even started yet, I can't afford any of this debt I don't owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 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 a victim of identity theft.

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 2019-12-17 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:
There are accounts that I had disputed previously that aren't mine but are still showing on my credit. Please remove them.

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 2019-12-17 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:
There are accounts that I had disputed previously that aren't mine but are still showing on my credit. Please remove them.

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 2019-12-17 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:
There are accounts that I had disputed previously that aren't mine but are still showing on my credit. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 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 with product or service terms changing
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I keep getting the runaround with Equifax can you please help me resolve the problem I spoke to several supervisors.thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 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:
I received my credit report and notice their was a several accounts XXXX, XXXX  XXXX XXXX, XXXX XXXX  INQUIRES : XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX on my credit file that I have no knowledge of. I have called the companies and file several dispute with the credit bureau. I have also file a police report, Identity theft report and put a security monitoring on my credit. The credit bureau still refuse to remove these account with receiving all supporting documents

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-17 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:
id theft victim XXXX XXXX XXXX ( not my account ) XXXX { not my account } XXXX XXXX  XXXX XXXX XXXX ( not my account }

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 2019-12-17 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 a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-17 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:
Unfortunately, I am a victim of identity theft.

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 2019-12-17 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 — Other problem getting your report or credit score
Company: Certegy Holdings, LLC
State: TX

Complaint narrative:
On three different occasions I tried to either cash or use a check, but was denied by information from Certegy. 
XX/XX/2019 at XXXX XXXX tried to cash a {$190.00} check decline recommendation from Certegy, factors include check number, dollar amount, check cashing history. 
XX/XX/2019 at XXXX XXXX tried to pay for items with a joint personal check account that my wife has used in that store. Denied on recommendation from Certegy, factors include check number, dollar amount, check cashing history.

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 2019-12-17 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: HI

Complaint narrative:
I have disputed 2 public record items with Experian consumer credit reporting company, on several occasions over the last 2 years. On the most recent occasion ( dispute report dated XX/XX/2019 ) I had explicitly asked Experian to provide me certain information regarding their investigation as per FCRA 611 ( a ) ( 6 ) ( B ) ( ii ) ( iii ). But they have once again refused to provide me this information I'm requesting for these 2 items. 
They are required by law to provide me the information I've requested. This is a clear abuse of power on their part, and a violation to my consumer rights! 

For the record, the information I requested from Experian in XX/XX/2019 and on earlier dates, for the 2 public records they are reporting on me, are as follows ; 1. A complete description of the procedure used to determine the accuracy and completeness of the information.

2. The date you contacted the furnisher of information ( current in relation to this letter ).

3. The complete contact information for the furnisher of information.

4. The name of the person who verified the item to you.

5. The method of communication you used to verify this information.

6. Did the furnisher of information provide you with my SS #, address, Date of Birth and signature? If so, please provide me with the information. 

Again, this is a clear display of abuse of power on their part. IF they have all of this information there should be no problem at all providing it to me. If they do NOT have all of this information then they legal must cease reporting it on my record. One of the two must happen. 
I have been more than patient with Experian and have tried to resolve this as adults without the need for any intervention. But it was to avail. That is why I'm filing this complaint today.

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 2019-12-17 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:
id theft victim XXXX and XXXX ( not my account ) XXXX { not my account } XXXX bank XXXX XXXX XXXX ( not my account }

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 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:
There are accounts listed on my credit report that isn't mine. Please remove them.

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 2019-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are accounts listed on my credit report that isn't mine. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC.
State: AR

Complaint narrative:
Mid land funding failed to respond with adequate proof. I have requested verification of the amount stated i owe and I am only receiving documents that include a dollar amount only and not proof. This amount has been reaged and is not reporting accurately. The open date of this account is not correct. I am attaching supporting documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 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: TX

Complaint narrative:
There are accounts on my credit report that aren't mine. please remove them

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 2019-12-17 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:
There are accounts on my credit report that aren't mine. please remove them

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 2019-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are accounts on my credit report that aren't mine. please remove them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-17 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: TX

Complaint narrative:
Since XXXX 2019 I have contacted the collection agency all three credit bureaus ( XXXX, Equifax, and XXXX  ) and XXXX   XXXX disputing the unknown account and asking them to provide documents to support their claim of me owing them debt such as identifying documents, a legal contract bearing my signature, calculation of the debt, how it was calculate, and who furnished the information. For over ten months all I get are " form '' letters no real facts when they should have provided these documents within 30 days according to FCRA law. They have continued to break the law while my quality of life suffers. This is my last attempt to resolve this issue without legal assistance. The account in question is XXXX XXXX ( original creditor XXXX ) ... Amount {$1300.00} for an authorized/unknown utility.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 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 received my credit report and notice their was a several accounts XXXX, XXXX  XXXX XXXX, XXXX XXXX   INQUIRES : XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my credit file that I have no knowledge of. I have called the companies and file several dispute with the credit bureau. I have also file a police report, Identity theft report and put a security monitoring on my credit. The credit bureau still refuse to remove these account with receiving all supporting documents

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 2019-12-17 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 received my credit report and notice their was a several accounts XXXX, XXXX  XXXX XXXX, XXXX XXXX   INQUIRES : XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my credit file that I have no knowledge of. I have called the companies and file several dispute with the credit bureau. I have also file a police report, Identity theft report and put a security monitoring on my credit. The credit bureau still refuse to remove these account with receiving all supporting documents

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 2019-12-17 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: TX

Complaint narrative:
Since XX/XX/2019 I have contacted the collection agency all three credit bureaus ( Experian, XXXX, and XXXX  ) and XXXX XXXX disputing the unknown account and asking them to provide documents to support their claim of me owing them debt such as identifying documents, a legal contract bearing my signature, calculation of the debt, how it was calculate, and who furnished the information. For over ten months all I get are " form '' letters no real facts when they should have provided these documents within 30 days according to FCRA law. They have continued to break the law while my quality of life suffers. This is my last attempt to resolve this issue without legal assistance. The account in question is XXXX XXXX ( original creditor XXXX ) ... Amount {$1300.00} for an authorized/unknown utility.

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 2019-12-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 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: TX

Complaint narrative:
Since XX/XX/2019 I have contacted the collection agency XXXX XXXX and all three credit bureaus ( XXXX, Equifax, and XXXX ) disputing the unknown account and asking them to provide documents to support their claim of me owing them debt such as identifying documents, a legal contract bearing my signature, calculation of the debt, how it was calculate, and who furnished the information. For over six months all I get are " form '' letters no real facts when they should have provided these documents within 30 days according to FCRA law. They have continued to break the law while my quality of life suffers. This is my last attempt to resolve this issue without legal assistance. The account in question is XXXX XXXX Account # XXXX for XXXX XXXX  ... Amount {$130.00} for an authorized/unknown utility.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL

Complaint narrative:
A debt to hsbc was paid as of XX/XX/2014 to XXXX XXXX, with XXXX XXXX  XXXX  showing as the owner of the debt. Today I was threatened with legal action on behalf HSBC by a company at XXXX. They refused to answer what state their lawn office was from. The attorney on the case was not available. The account number they had did not match my records. This is the second time I have been threatened with legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 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:
id theft victim XXXX XXXX XXXX not my account discharged chapt XXXX not my account XXXX XXXX XXXX XXXX not my account XXXX XXXX XXXX  XXXX not my account

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 2019-12-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
My new home mortgage was sold to a different servicer and the new servicer changed the terms and/or conditions of my loan. This is illegal. The initial loan servicer, whom I initiated the loan with is XXXX XXXX XXXX. XXXX  XXXX XXXX and I agreed the amount going towards interest only payments each month would be {$850.00}. When the loan was purchased to be serviced by Wells Fargo, Wells Fargo changed the amount going towards interest only payments each month to be {$1000.00}. I did not agree to this change and this is illegal to do.

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 2019-12-17 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: NV

Complaint narrative:
There are accounts that aren't mine. Please remove them immediately.

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