vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-15 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: WA

Complaint narrative:
The following inquiries done by 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 were not authorized.. I have never been contacted by this company either which leads me to believe that is all some sort of error. Please look into this matter for me and delete this information or provide me with documentation that proves this inquiry was authorized or delete it from my credit report

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 2019-08-15 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: OH

Complaint narrative:
I have requested proper legal documentation from XXXX XXXX XXXX # XXXX. XXXX XXXX XXXX # XXXX .XXXX XXXX XXXX XXXX XXXX XXXX # XXXX. XXXX XXXX XXXX {$690.00}. and {$520.00}.. I HAVE NEVER HAD ANY ACCOUNTS FOR BUSINESS WITH THEM AND I HAVE YET TO RECEIVE ANYTHING THAT SHOWS THEY ARE IN COMPLIANCE WITH FEDERAL AND STATE LAWS FCRA OR FDCPA, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts SECTION ( C ) AND SUBSECTION ( 3 ) I HAVE HAD SEVERAL DUBIOUS AND FRAUDULENT CLAIMS FROM FAKE COMPANIES IN THE PAST AND I DO NO WISH TO BE A VICTIM AGAIN. I NEED THIS ACCOUNT DELETED ASAP. I HAVE FILE A COMPLAINT WITH THE CFPB AND LOCAL XXXX POLICE DEPT

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 2019-08-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have filed numerous letters to Equifax in regards to inaccurate data located on my credit file and completely false personal information. 
I have alerted them that i wish that the personal information be updated to reflect my legal name and address and remove " assumed names '' that i have not and do not use. 
I have requested that the do a proper investigation into items listed on the report that do not belong to me, to date i have sent 7 letters and roughly 30 emails all of which i have not received a response. 
i am also unable to file a dispute online as it states " It looks like we need more information to confirm your identity. We appreciate your understanding since security is our number one priority. Our consumer care team can assist you with that. Please call us at XXXX between XXXX XXXX   until XXXXXXXX XXXX EST, seven days a week so we can help. '' however i have even entered the inaccurate information contained in the report that i just purchased from equifax. 
It appears that they are providing this message in hopes that you will pay for the report as the " Get Started '' button just under that text redirects you to the purchase credit monitoring site. 

Equifax has failed on all of these occasions to abide by the FDCRA and FCRA and the FACT Act and they are doing this with intent to harm consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I'm a recent XXXX and I'm trying to save up some money to go to XXXX school so I could get a XXXX XXXX Degree. I found an apartment on XXXX that was fair in pricing. The " contact '' said that I can't view it, but I would need to hold it down using a deposit. I sent it over XXXX through my bank account with JP Morgan Chase. This happened on Saturday, XX/XX/XXXX. I went to see the apartment today and found out it doesn't exist and this person stopped responding to my e-mails. I called Chase to see if they could help out by reversing this payment. They said I need to take this up with XXXX. I called XXXX and got a robot response. I just want some help in this situation. Chase wouldn't provide any information on the recipient 's bank account, where it is located, etc. If that person is receiving money using XXXX, I believe this person has a bank account. If we can track it, then there's hope. 

I filed a police report with the Police Department ( details to follow if you need the case number ). I also filed a report with the FBI. Please help me get a courtesy refund. My family and I combined have been banking with Chase for close to 3 decades. If Chase could be supportive during this difficult time, that would mean a lot for loyal customers like us. I pray that Chase isn't a heartless bank giant like many others that don't care about how you're getting screwed. If Chase is that way, then our relationship has truly come to an end.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
I recently checked my credit reports due to the recent XXXX breach. Based on the information I show on my report, it was opened on XX/XX/2018. It is reporting under the company CBE Group as a collection for {$400.00}. I have never heard of this company and have no idea who they are. I was never sent any notice or letters in the mail, therefore I have not had the chance to dispute this inaccurate information before being placed on my report. I want this account removed from my credit report immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX issue. XXXX XXXX and XXXX XXXX : First of all, this is not XXXX XXXX account. Second, XXXX has been called and contacted multiple times with no resolution. 

First of all, I had a home disaster, while we were evacuated from our home, XXXX charged us for it the whole time, Next, I turned in all of their equipment and regardless, I paid the bill monthly and in full. Because of the billing, I changed to XXXX. I paid XXXX in full, they had received all tier equipment and I did, multiple times, call to confirm XXXX balance. 
When I received my credit report, a time later, I was in shock. They claimed a Charge off on the credit reports. In Experians case, the CO is claimed for to whole years, since XXXX. I asked for confirmation and offered to pay what I owed, but they person answering the phone stated I did not owe anything. So, I requested an investigation from both the credit agencies and XXXX. Of course, XXXX states they dd one and the report is accurate, yet, neither Experian and other creditors, to include XXXX will not provide their proff, nor provided me an answer what I owed to them. 

In the mean time, my job questioned a few weeks ago, sine my credit report and what they reported has a high impact on my employment. A charge off is bad, AT this point, I have no idea what was charged off, what I owed ( they stated nothing ) and am disregarded in trying to get this off my credit reports. I am told, when I re engage that they investigated prior and doing NOTHING FURTHER by both credit agencies and XXXX. They are ruining my credit and the credit agency is not holding them to standards, obviously. I get the same feedback, the company states they looked into it and they are reportig accurately - nothing is challenged or provided to me, as requested. I requested time and time again of their findings from both and am ignored. The last time investigation is XXXX XXXX. 

I started this inquiry, years ago, get frustrated and try again. Ultimately, it is very past 30 days of resolution. I want XXXX off my credit report. And if it is on any of my husband`s ( bill I snot in his name ), remove it off is too. 

Also, at my job, XXXX was addressed and if I lose my job on their reporting, this WILL STEP UP! XXXX XXXX is a XXXX  veteran and this will hurt her employment. 

NOt sure about the other creditors, but, Experian seems to do nothing about my requests and never provides proof, - XXXX is one of 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 2019-08-15 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: WA

Complaint narrative:
The following inquiries done by 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 XXXX, XXXX were not authorized.. I have never been contacted by this company either which leads me to believe that is all some sort of error. Please look into this matter for me and delete this information or provide me with documentation that proves this inquiry was authorized or delete it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 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: OH

Complaint narrative:
I have requested proper legal documentation from XXXX XXXX XXXX # XXXX. XXXX XXXX XXXX # XXXX .XXXX XXXX XXXX   XXXX XXXX XXXX # XXXX. XXXX XXXX XXXX {$690.00}. and {$520.00}.. I HAVE NEVER HAD ANY ACCOUNTS FOR BUSINESS WITH THEM AND I HAVE YET TO RECEIVE ANYTHING THAT SHOWS THEY ARE IN COMPLIANCE WITH FEDERAL AND STATE LAWS FCRA OR FDCPA, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts SECTION ( C ) AND SUBSECTION ( 3 ) I HAVE HAD SEVERAL DUBIOUS AND FRAUDULENT CLAIMS FROM FAKE COMPANIES IN THE PAST AND I DO NO WISH TO BE A VICTIM AGAIN. I NEED THIS ACCOUNT DELETED ASAP. I HAVE FILE A COMPLAINT WITH THE CFPB AND LOCAL XXXX POLICE DEPT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-15 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: OH

Complaint narrative:
I have requested proper legal documentation from XXXX XXXX XXXX # XXXX. XXXX XXXX XXXX # XXXX .XXXX XXXX XXXX   XXXX XXXX XXXX # XXXX. XXXX XXXX XXXX {$690.00}. and {$520.00}.. I HAVE NEVER HAD ANY ACCOUNTS FOR BUSINESS WITH THEM AND I HAVE YET TO RECEIVE ANYTHING THAT SHOWS THEY ARE IN COMPLIANCE WITH FEDERAL AND STATE LAWS FCRA OR FDCPA, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts SECTION ( C ) AND SUBSECTION ( 3 ) I HAVE HAD SEVERAL DUBIOUS AND  FRAUDULENT CLAIMS FROM FAKE COMPANIES IN THE PAST AND I DO NO WISH TO BE A VICTIM AGAIN. I NEED THIS ACCOUNT DELETED ASAP. I HAVE FILE A COMPLAINT WITH THE CFPB AND LOCAL XXXX POLICE DEPT

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 2019-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, 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 public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have ben with capital one for over 19 years. have 5 cards with capital one. opened up cards in XXXX XXXX 19 years of on time payments. not one payment late ever in 19 years. also my credit report has me reported as 25 years of on time payments. never late once in 25 years. I have been trying for 19 years to get capital one to give me one credit card increase .on just one of my cards let alone 5. I have tried over 8 times in my 19 years. just tried again on XX/XX/XXXX every time it has ben one excuse after another. the last time they told me the economy was bad at the time. I told the super visor. I have ben a retired XXXX  for over 25 years. and the economy does not affect me like a lot of people. she told me the economy affects every one including her hung the phone up on me. on XX/XX/XXXX was sent 5 letters from capital one. I was denied a credit in crease because your average monthly payment is to low .and my finical obligations are to high come on 19 years of not one late payment on 5 cards with capital one. I give up .and just will not stand anymore excuses from capital one. they have treated me like XXXX and pretend to not care abought me or my 19 years of on time payments. I have such longevity on my credit report with the 5 cards if I cancel them out my credit scores will be a mess. I aso have a XXXX credit score right now. and have ben told buy my CFP my scores should be above 800. capital one has kept me from getting my 800 credit scores to stay at XXXX to XXXX because of no credit card increase in 19 years. please help me with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 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: WA

Complaint narrative:
CHAPTER XXXX BANKRUPCY : BANKRUPTCY XXXX doesn't belong to me. The courts do not furnish any of this information to the credit bureaus..They do not provide any proof to justify their reporting. XXXX sold this information to the credit bureaus which is illegal.. Please get this public information removed because it is a violation of the Fair Credit Reporting Act to report false information

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
CCB has placed a HARD inquiry on my Credit Report. I do not have any accounts with this company nor have I authorized them to run my credit and lower my score. I found this inquiry today on XX/XX/2019 on my birthday that this company had inserted itself on my credit. They have no permissible purpose in placing this hard inquiry. I am represented by an attorney do not call me communicate in writing only with my attorney. Furthermore I am retired combat disabled USMC.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EOS Holdings, Inc.
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 2019-08-15 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: WA

Complaint narrative:
CHAPTER XXXX BANKRUPCY : BANKRUPTCY XXXX doesn't belong to me. The courts do not furnish any of this information to the credit bureaus..They do not provide any proof to justify their reporting. XXXX sold this information to the credit bureaus which is illegal.. Please get this public information removed because it is a violation of the Fair Credit Reporting Act to report false information

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 2019-08-15 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: WA

Complaint narrative:
CHAPTER XXXX BANKRUPCY : BANKRUPTCY XXXX doesn't belong to me. The courts do not furnish any of this information to the credit bureaus..They do not provide any proof to justify their reporting. XXXX sold this information to the credit bureaus which is illegal.. Please get this public information removed because it is a violation of the Fair Credit Reporting Act to report false information

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 2019-08-15 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: WA

Complaint narrative:
XXXX XXXX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX are not my accounts, I did not sign up for an account with these creditors. Credit Bureaus are misrepresenting that I owe this debt and yet they could not substantiate its representation.. They have provided information while knowing or having reasonable cause to believe that the information was inaccurate. They failed to abide the provisions of FCRA that's why I am filing this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 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: VA

Complaint narrative:
Noticed a hit on my credit score provided by XXXX 's webpage. Ignored it. 

Got 2 more hits on my credit score and identified the hits as coming from XXXX XXXX. 

I haven't used a XXXX XXXX Account for more than half a decade. 

I went online to my old XXXX XXXX account, their FICA score app identified the hit on my credit score as coming from a XXXX XXXX XXXX   account. 

I called XXXX XXXX and they checked their system. They said there is no XXXX XXXX XXXX  account associated with my Social Security Number in their system. They said that it may be identity theft. They told me to check my credit report and file a claim. 

I checked my credit report and the hit is identified in my credit report. It was definitely not me and XXXX XXXX agrees with me. 

I would like to file a claim.

Company response to consumer: Closed with non-monetary relief