vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-18 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: AR

Complaint narrative:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX  XXXX XXXX {$100.00} XXXX XXXX {$400.00} XXXX XXXX XXXX {$70.00} XXXX XXXX {$660.00} XXXX XXXX {$490.00} XXXX XXXX XXXX {$4000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: LEXISNEXIS
State: MS

Complaint narrative:
According to Lexis Nexis, They are reporting that the alleged bankruptcy listed on my file is reporting accurately. According to the Court house, the original creditor they never verified with Lexis Nexis this information.

I want Lexis Nexis to Provide their method of verification, on how they verified that this bankruptcy was reporting MAXIMUM POSSIBLE ACCURACY under the FCRA 15 U.S.C section 1681 et seq

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: NY

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: NY

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2020-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
my information was used in a data breach this account is not my account and needs to be removed asap

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
NMAC ( XXXX XXXX XXXX ) On XX/XX/2017 I had to change my checking account number. I had recurring payments set up through NMAC site. I properly changed my checking account info. Nissan failed to afford me the option of re-enrolling in recurring payments. Without having been notified that my recurring payments ceased, I unintentionally missed my XX/XX/17 due date payment. As a result, my payment was 31 days late. Nissan refused to remove the late payment from my credit report, citing that the information provided is accurate and therefore will not be removed. Nissans poorly designed payment platform caused me to miss my payment and I was provided with no reminder or warning that my recurring payment had ceased and needed to be set up again in order to make an on time payment. I am requesting assistance as a consumer due to this unfair and rather negligent practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
MY INFORMATION WAS USED IN A DATA BREACH AND THE ACCOUNT HAS SHOWED UP ON MY CREDIT REPORT THIS IS NOT MY ACCOUNT AND NEEDS TO BE REMOVE 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 explanation
Consumer complaint received 2020-08-18 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: AR

Complaint narrative:
I have the app XXXX XXXX  to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX XXXX {$39000.00} XXXX XXXX XXXX {$3900.00} XXXX XXXX  XXXX {$1700.00} XXXX XXXX {$250.00} XXXX XXXX {$990.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: AR

Complaint narrative:
I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. XXXX XXXXXXXX {$680.00} XXXX  XXXX  XXXX {$420.00} XXXX/XXXX  XXXX {$800.00} XXXX XXXX  XXXX {$120.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: LEXISNEXIS
State: MS

Complaint narrative:
Lexis Nexis is reporting an inaccurate bankruptcy on my credit report. I initially thought that the ORIGINAL creditor which is the bankrupty court was the one reporting this INACCURATE information to lexis nexis but they responsed to me that they do NOT VERIFY this information with the credit reporting agencies are third party such as lexis nexis

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/2020, The merchant XXXX returned the amount of {$170.00} back my serve card. However, serve has not issue a credit to the account and claims that the merchant send notices only and did not issue the credit. Serve actions goes right to the heart of Unfair Business Practices. I spoke with the merchant and they provided clear and convincing evidence reflecting the funds returned. American Express Serve statement shows the same. Serve plays with peoples money and is the reason they are delaying the credit. We are in the midst of a pandemic, those funds must be release immediately. It is clear that serve have engaged in Florida 's XXXXnfair Business Practices and I ask that you apply sanctions on this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Cottonwood Financial Ltd.
State: TX

Complaint narrative:
Cash Store on XXXX XXXX XXXX XXXX XXXX, TX XXXX. In this company if you can't make a payment or renew your account you are then stealing there money!! XXXX XX/XX/2020 my Mom received a very rude call from this company saying she has not honor her agreement, and stealing from them too. Also, threaten to take her to court!! She made agreements with this store location that she would make a payment when she could to pay it off completely. When she is done with this process she can never get a another loan from them again. Which I explained to her with her phone on speaker so we all could her the agreement. Have not received a letter from the company about one thing or another. Then she is receiving calls from said company main office and very rude, loud, disrespectful call asking about the money she owes. With so many scammers over the phone how does she know who is calling her? They use different numbers all time and don't always identify themselves clearing who they are either. Why can't they get the agreement from the store and it employee who agreed to it? Why is there constant calls about the same thing over and over. This is still in the month the agreement was made in the first week of XXXX!!!! How can they not understand that if she could be it on time she would?! Also, not her first time getting a loan from this company!!! They need to learn how to approach people better especially when struggling to pay all bills in this time frame.Everyone is trying there very best to pay bills, put food on the table, and a job done. What does adding on more pressure do for this company and people who took out a loan? Is this company going to also blame other consumers for loosing there jobs, extra mouths to feed, or hours cut short?!!! Our they also going to threaten every single person who doesn't or can't pay a loan from them? Is this the natural standard and practice of Cash Store company? Who wants to be talked down to like a child? Threaten? Insulted to pay money you don't have at the moment in time? Can't make payment agreements to the Cash Store because you not sure if money is coming in? Who would ever want to renew or receive a loan of any kind from this location or company again?! Not ever again no matter how much it might helped or helps us!!!!! Thank You, for your time to read this complaint about your very rude and disrespectful staff that you have hired for Cash Store! Good Day!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Texas XXXX XXXX : XXXX DOB : XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 
Item # 1 : I dispute XXXX XXXX XXXX, this is not mines. I have payment history as proof. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 
Item # 2 : I dispute this account XXXX  XXXX XXXX - XXXX, the balance is wrong and the account is being paid monthly. This account should never have any charge offs. If account is sold, the balance should be XXXX. Please delete this account. 
Item # 3 : I dispute XXXX XXXX  - XXXX, this account is more than 10 years old and should be deleted from report. 
I am also dispute the inquires below on page 2. 
Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 
In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX The inquiries below are not mines. 

These lenders have accessed your credit file : XXXX XXXX XXXX  Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX  XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards

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 2020-08-18 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: TN

Complaint narrative:
I took my covid check and used it o pay off medical bills. on XX/XX/20 I filed disputes on 3 entries that had not been removed. XXXX  and XXXX  did the investigation found the entries to be erroneous and promptly removed them. Equifax " said '' they did an investigation and found these debts to be valid. Since I had paid them I contacted the collection agencies. The collection agencies informed the had a record of being contacted by XXXX  and XXXX. They DID NOT have any record of Equifax contacting them. How could Equifax do an investigation without contacting the collection agency or the original creditor? As of today they refuse to even tell me how it is possible to conduct an investigation without contacting the creditor. Maybe you can get the answers they refuse to give me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian, XXXX, and XXXX  are reporting FRAUDULENT DEBT on my credit report from the XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CHILD SUPPORT SERVICES ( DCSS ) D-U-N-S # : XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XXXX ], XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, in which I, Secured Party - Creditor - Holder-In-Due-Course, have Perfected Security Interest, XXXX recorded with the XXXX XXXX XXXX XXXX. The absconding DEBTORS agree to pay Secured Party {>= $1,000,000}. ( XXXX XXXX, XXXX XXXX & XXXX XXXX XXXX  ) in Functional United States Currency, gold and/or silver equivalent by the ounce at current market value with daily interest of 9 % for Commercial Dishonor. 
See. https : 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 2020-08-18 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: NJ

Complaint narrative:
There is a fraudulent collection account reporting on my credit. I DONT HAVE DEBT FROM XXXX UNIVERSITY. Upon contacting XXXX university, they have someone else 's name linked to my social, and they are continuing to report this debt even though its NOT MINE. I have filed a dispute with the bureaus and attached a police report and a federal trade commission report and despite my assertations that this debt/loan was taken out under false pretenses using my social and someone else 's name, they are continuing to report this 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 2020-08-18 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: AR

Complaint narrative:
I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. XXXX  XXXX {$680.00} XXXX XXXX  XXXX {$420.00} XXXX XXXXXXXX {$800.00} XXXX XXXX XXXX {$120.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: AR

Complaint narrative:
I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. XXXX  XXXX {$680.00} XXXX  XXXX  XXXX {$420.00} XXXX/XXXX  XXXX {$800.00} XXXX XXXX  XXXX {$120.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
I was renting at XXXXXXXX XXXX XXXX I had a balance of {$110.00} I was not aware of, the reason I found out it was on collection was because my credit score dropped, I contacted Kimball trey & St. John LLP to make the {$110.00} payment they said it'll be removed. XXXX I called them because it was still in collection and they said they couldn't remove it, XXXX I called back because its still damaging my credit, I'm trying to purchase my first home and I talk to XXXX at Kimball trey & St. John LLP which she still says they can't do nothing about it, the charge was paid as soon I found out I had that balance..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: MS

Complaint narrative:
XXXX, Equifax and XXXX  are reporting an unverifiable, inaccurate bankruptcy on my credit report. From the court name, to reference number, all the information is reporting inaccurately and WRONG. These reporting agencies claim to have gotten this information from XXXX XXXX. XXXX XXXX has sense removed this inaccurate information, and currently are looking to be sued by my attorney for the damages brought to my credit report. Furthermore, the court house whom is the original creditor, responded that they do NOT furnish this information to the credit reporting agencies nor do they furnish this information to third parties such as XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: MS

Complaint narrative:
XXXX, XXXX  and Experian are reporting an unverifiable, inaccurate bankruptcy on my credit report. From the court name, to reference number, all the information is reporting inaccurately and WRONG. These reporting agencies claim to have gotten this information from XXXX XXXX. XXXX XXXX has sense removed this inaccurate information, and currently are looking to be sued by my attorney for the damages brought to my credit report. Furthermore, the court house whom is the original creditor, responded that they do NOT furnish this information to the credit reporting agencies nor do they furnish this information to third parties such as lexis nexis

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