vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-25 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: WA

Complaint narrative:
Companies- XXXX XXXX XXXX XXXX XXXX Account. XXXX. Line of credit for {$5000.00}. Since XX/XX/XXXX. 
XXXX  has not showed any proof of any type of investigation that I was late in the years of :XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX. They will not investigate this issue. I have constantly have asked them and the 3 major bureaus to send me proof of documentation stating lates on any accounts I have with them. They will not answer. Please help CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 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: WA

Complaint narrative:
Companies- XXXX XXXX XXXX XXXX . Account. XXXX. Line of credit for {$5000.00}. Since XX/XX/XXXX. 
XXXX  has not showed any proof of any type of investigation that I was late in the years of :XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX. They will not investigate this issue. I have constantly have asked them and the 3 major bureaus to send me proof of documentation stating lates on any accounts I have with them. They will not answer. Please help CFPB

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 2018-10-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
My vechile was totaled out by the at fault driver 's insurance company. My loan company was aware that the vechile was totaled out. My loan company has not or did not contact me at all since XX/XX/XXXX. I was in dispute with the insurance company so the insurance company contacted my loan company and lied stating that they the insurance company could not get in contact with me. I have attached screenshot showing communication after the date of when the loan company states they sent 10 day letter to the wrong address. So my loan company took the insurance companys side and put the unit out for reposession without any foundation. When I found the car repossessed I called the loan company and was not able to speak to the total loss department about the issue and also found out that the address that they sent the 10 day letter was the incorrect address. I have updated my address 3 months after I got the loan. My issue is that the loan company has never called me to inform me that the insurance company had contacted them and I know they have the correct number because I've had to open previous cases against this company due to numerous calls in one day several days in a row they have made. I was also informed that this is going to show as a reposession on my credit and it should not as it was a total loss and the company was aware of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 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:
I disputed a discharged bankruptcy and XXXX  and Equifax refused to delete this error off my credit report. I have sent supporting documents and letters from courthouse stating they dont report to credit bureaus. They claim they are getting information from third part companies which is accurate and cant be used. XXXX did remove the error. I even sent in a copy to XXXX and Equifax and they still refused to delete the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

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 2018-10-25 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:
While monitoring my credit reports I found several fraudulent inquiries on XXXX XXXX, Equifax, and XXXX. Even though I paid to have all three credit agencies to lock or freeze on my reports, to my dismay, someone was still allowed to solicit credit in my name and was granted a XXXX cable/internet account in my name in XXXX CA. This is despite the fact at the time I had a valid XXXX account in my home in Washington, which had been active for years. Needless to say I no longer use XXXX.

I called each company and informed them of the fraud. I also asked them why they did not contact me in accordance with the credit locks that were in place. I asked all of the companies to remove their inquiry from my credit report. I also contacted XXXX XXXX, Equifax, and XXXX  to inform them of the fraud and requested the inquiries be removed. I also disputed the inquires via one of these agencies online form to no avail. XXXX XXXX and one other creditor honored my request and removed the fraudulent inquiry.

The majority of the fraudulent accounts were initiated with a XXXX  CA address. I contacted XXXX PD and reported the fraud to their Financial Crimes division. They opened a case.

Months later XXXX   discontinued my service and claimed I owed them over {$900.00} for service in XXXX  CA. I explained to them that I contacted their office in XX/XX/XXXX about the fraudulent inquiry. Yet it turns out they gave the perp an account in my name despite my informing them. After trying for more than a week to have XXXX correct this issue, I filed a complaint with the PA Attorney General. XXXX eventually apologized and removed the collection from my reports.

Currently I still have several fraudulent inquires on all three credit reporting agencies even though I have asked the companies and the agencies to remove them. I would like to have every fraudulent inquiry removed. XXXX XXXX fraudulent inquires : XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  fraudulent inquiries : XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXXXXXX  XX/XX/XXXX XXXX   fraudulent inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX Please note, I currently have an active XXXX XXXX  Card and an active XXXX XXXX Card. The fraudulent inquiries cited above are NOT associated with my current active accounts. One of which is more than 14 years old.

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-25 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:
While monitoring my credit reports I found several fraudulent inquiries on XXXX XXXX, XXXX, and Experian. Even though I paid to have all three credit agencies to lock or freeze on my reports, to my dismay, someone was still allowed to solicit credit in my name and was granted a XXXX cable/internet account in my name in XXXX XXXX. This is despite the fact at the time I had a valid XXXX account in my home in XXXX, which had been active for years. Needless to say I no longer use XXXX.

I called each company and informed them of the fraud. I also asked them why they did not contact me in accordance with the credit locks that were in place. I asked all of the companies to remove their inquiry from my credit report. I also contacted XXXX XXXX, XXXX, and Experian to inform them of the fraud and requested the inquiries be removed. I also disputed the inquires via one of these agencies online form to no avail. XXXX 's and one other creditor honored my request and removed the fraudulent inquiry.

The majority of the fraudulent accounts were initiated with a XXXX  XXXX address. I contacted XXXX PD and reported the fraud to their Financial Crimes division. They opened a case.

Months later XXXX  discontinued my service and claimed I owed them over {$900.00} for service in XXXX   XXXX. I explained to them that I contacted their office in XX/XX/XXXX about the fraudulent inquiry. Yet it turns out they gave the perp an account in my name despite my informing them. After trying for more than a week to have XXXX  correct this issue, I filed a complaint with the XXXX   Attorney General. XXXX   eventually apologized and removed the collection from my reports.

Currently I still have several fraudulent inquires on all three credit reporting agencies even though I have asked the companies and the agencies to remove them. I would like to have every fraudulent inquiry removed.

XXXX XXXX   fraudulent inquires : XXXX/XXXXXX/XX/XXXXXX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX  fraudulent inquiries : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX  XXXX/XXXX XX/XX/XXXX EXPERIAN fraudulent inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX Please note, I currently have an active XXXX XXXX Card and an active XXXX XXXX  Card. The fraudulent inquiries cited above are NOT associated with my current active accounts. One of which is more than 14 years old.

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 non-monetary relief
Consumer complaint received 2018-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
American Express has been turning against good customers! Closing their accounts! 

Doing that to customers with perfect payment records! 

Demanding to see confidential documents! 

Demanding that customers with firmly established credit card accounts co-operate with intrusive mortgage-application style onerous processes! 

Threatening to close all their Amex accounts if the customers don't agree to above stated outrageous demands!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 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: DE

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 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: DE

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft : 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 2018-10-25 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: DE

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-25 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: DE

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft : XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX  )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 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: TN

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. N/A Experian XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX  Experian : XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX : XXXX  Experian : XXXX XXXX : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-25 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: TN

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX   Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX  Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Trans union : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Transunion : 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 2018-10-25 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: TN

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. N/A XXXX  Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Equifax : XXXX XXXX : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 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: MD

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX  Experian : XXXX  XXXX : XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX  XXXX : XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX  Experian : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX   Experian : XXXX XXXX XXXX  : XXXX   Experian : XXXX XXXX  : XXXX XXXX XXXX XXXX : XXXX  Experian : XXXX XXXX  : XXXX XXXX XXXX   XXXX : XXXX  Experian : XXXX XXXX  : XXXX XXXX XXXX XXXX : XXXX Experian : XXXX   XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  : XXXX XXXX  : XXXX XXXX XXXX  Experian : XXXX, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-25 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: MD

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX  Trensunion : XXXX XXXX XXXX XXXX XXXX : XXXX Transunion : XXXX XXXX XXXX XXXX XXXX  Trensunion : XXXX XXXX XXXX  Trensunion : XXXX XXXX XXXX XXXX XXXX Trensunion : XXXX XXXX XXXX XXXX XXXX   Trensunion : XXXX XXXX XXXX XXXX : XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX   XXXX : XXXX XXXX XXXX  : XXXX   XXXX  : XXXX Trensunion : XXXX XXXX XXXX XXXX : XXXX XXXX  : XXXX  Trensunion : XXXX XXXX XXXX XXXX : XXXX XXXX  : XXXX  Trensunion : XXXX XXXX XXXX XXXX : XXXX XXXX  : XXXX Trensunion : XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX  : XXXX  Trensunion : XXXX XXXX XXXX  XXXX : XXXX XXXX XXXX  Transunion : 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 2018-10-25 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: MD

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX   FINAL BILL XXXX : XXXX XXXX Equifax:XXXX XXXX : XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX  Equifax : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX   Equifax : XXXX XXXX  : XXXX XXXX : XXXX XXXX XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX  Equifax : XXXX XXXX  : XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX Equifax : XXXX XXXX  Equifax : XXXX XXXX : XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX   XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation