vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-26 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I disputed these unauthorized inquiries months ago, however, the credit agencies investigation came back verified. Now I'm requesting the Method Of Verification, who verified these inquiries, and I'm requesting the physical documentation of verification or as stated in the FCRA, if not then these following inquires shall be blocked/ removed. 

1 ) XXXX ( XXXX ) 2 ) XXXX XXXX XXXX  ( XXXX ) 3 ) XXXX  ( XXXX ) 4 ) XXXX XXXX ( XXXX ) 5 ) XXXX XXXX ( XXXX ) 6 ) XXXX XXXX XXXX ( XXXX ) 7 ) XXXX ( XXXX ) 8 ) XXXX XXXX ( XXXX ) ( XXXX ) 9 ) XXXX XXXX ( XXXX ) ( XXXX ) 10 ) XXXX XXXX XXXX ( XXXX ) 11 ) XXXX XXXX  ( XXXX ) 12 ) XXXX XXXX ( XXXX ) ( XXXX 13 ) XXXX XXXX ( XXXX ) 14 ) XXXX  XXXX ( XXXX ) 15 ) XXXX  XXXX ( XXXX ) 16 ) XXXX ( XXXX ) 17 ) XXXX XXXX ( XXXX ) 18 ) XXXX  XXXX ( XXXX ) 19 ) XXXX  ( XXXX ) ( XXXX ) 20 ) XXXX XXXX XXXX ( XXXX ) 21 ) XXXX XXXX ( XXXX ) 22 ) XXXX XXXX  ( XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26 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:
I had a personal loan with XXXX XXXX XXXX that was a bad debt I owed XXXX . On XX/XX/2018 I sent a payment of XXXX to the bank to settle the account. XXXX and XXXX changed the balance to XXXX $ while Experian did not I have disputed this account on my credit report with Experian for the 4th time now and Experian is still showing a balance of XXXX $ even after I sent them a copy of the check that was made out to 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 2019-01-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX, I submitted a complaint regarding Transunion 's failure to conduct a complete and thorough investigation and for their continued inaccurate reporting of a public record on my consumer profile ( see the attached complaint XXXX ). Transunion responded on XX/XX/XXXX, advising .the complaint was being forwarded to their consumer relations department for processing ; yet another example of Transunion 's willful violation of the Fair Credit Reporting Act ( FCRA ). Transunion has previously alleged this public record was VERIFIED on XX/XX/XXXX and XX/XX/XXXX ( see attachments ) Additionally, Transunion responded to a CFPB complaint submitted on XX/XX/XXXX for failing to disclose the verification process ; a violation of FCRA Section 611 ( a ) ( 7 ). Transunion even suggested they were NOT obligated to furnish such information ( see attachment ). 

*Transunion is in violation of FCRA Section 611. ( a ) ( 5 ) ( a ) ( ii ) .IIf the same public record that was allegedly verified on two occasions is being sent to consumer relations for the third time, the information  has been unverifiable since XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Gap store ( Synchrony Bank ) closed my account because I was making payments with automatic payment since XXXX never missed a payment, I stopped the automatic payment in XX/XX/XXXX and made manual payments for XX/XX/XXXX and XX/XX/XXXX, they said I never stopped the automatic payments so you can't have two stop payments in a 12 month period even though I made the payments manually, they still closed my account without notifying me telling me that there was a problem with the automatic payment, I didn't know what was going on, I had talked to four representatives they had me thinking I missed two payments when I didn't, they said they can not reopen my account because I should've removed the automatic payment. Now it's gon na be on my credit report as a closed account, when I never missed a payment.

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 2019-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Re : Report # XXXX for XX/XX/XXXX Re : XXXX XXXX : XXXX ATTENTION : EXPERIAN DISPUTE DEPARTMENT With all of these inaccuracies how were you able to verify this account XXXX XXXX : XXXX? How are you able to insert the comment meets requirement of the Fair Credit Reporting Act when clearly this listed account has several inaccuracies. It is the duty of Experain to complete a thorough and independent investigation and not just minic what the creditor have listed on all accounts on each credit file. 

I have never done business with XXXX XXXX yet Experian lists an open date of XX/XX/XXXX? How is this accurate? 

If I have never done business with XXXX XXXX how does Experian list a reported term of 1 month? How is that accurate? 

There should not be a credit limit on a collection account yet Experian lists a credit limit of {$1400.00}. How is that accurate? 

There should be no late payments on collections account yet Experian lists a late payments status since XX/XX/XXXX. How is that accurate? 

There should be no past due amounts on a collection account yet Experian lists a past due amount of {$1.00}, XXXX. How is that accurate? 

This account was disputed on XX/XX/XXXX yet the date of status AFTER Experains investigation remains as XX/XX/XXXX. How is that possible? Was there even an investigation performed? Failure to investigate is a VIOLATION!

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 2019-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Re : Report # XXXX for XX/XX/XXXX Re : XXXX XXXX : XXXX ATTENTION : EXPERIAN DISPUTE DEPARTMENT With all of these inaccuracies how were you able to verify this account XXXX XXXX : XXXX? How are you able to insert the comment meets requirement of the Fair Credit Reporting Act when clearly this listed account has several inaccuracies. It is the duty of Experain to complete a thorough and independent investigation and not just minic what the creditor have listed on all accounts on each credit file. 

I have never done business with XXXX XXXX yet Experian lists an open date of XX/XX/XXXX. How is this possible? How is this accurate? 

If I have never done business with XXXX XXXX how does Experian list a reported term of 1 month? How is this possible? How is that accurate? 

There should not be a credit limit on a collection account yet Experian lists a credit limit of {$700.00}. How is that accurate? 

There should be no late payments on collections account yet Experian lists a late payments status since XX/XX/XXXX. How is that accurate? 

There should be no past due amounts on a collection account yet Experian lists a past due amount of {$390.00}. How is that accurate? 

This account was disputed on XX/XX/XXXX yet the date of status AFTER Experains investigation remains as XX/XX/XXXX. How is that possible? Was there even an investigation performed? Failure to investigate is a VIOLATION!

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 2019-01-26 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: NV

Complaint narrative:
Equifax has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX Opened Date XX/XX/2017 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX  XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Re : Report # XXXX for XX/XX/XXXX Re : XXXX XXXX : XXXX ATTENTION : EXPERIAN DISPUTE DEPARTMENT With all of these inaccuracies how were you able to verify this account XXXX XXXX : XXXX? How are you able to insert the comment meets requirement of the Fair Credit Reporting Act when clearly this listed account has several inaccuracies. It is the duty of Experain to complete a thorough and independent investigation and not just minic what the creditor have listed on all accounts on each credit file. 
Each bureau lists a different high balance amount. Experian $ XXXX {$0.00} /XXXX   {$2200.00}. How is this possible? How is this accurate? 

Each bureau lists a different open date. Experian XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. How is this accurate? 

There should be no past due amounts on a closed and charged off account yet Experian lists a past due amount of {$2200.00}. How is that accurate? 

This account was disputed on XX/XX/XXXX yet the date of status AFTER Experains investigation remains as XX/XX/XXXX. How is that possible? Was there even an investigation performed? Failure to investigate is a VIOLATION!

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 2019-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Choice Recovery, Inc.
State: OH

Complaint narrative:
I have a a unverified account from CHOICE RECOVERY INC # XXXX I had previously disputed this account. I have never done business with CHOICE RECOVERY INC # XXXX. 
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CHOICE RECOVERY INC. Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CHOICE RECOVERY INC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I have listed all the problems on the attached documents. It includes wrong interests and fees, discriminations with APR changes, no notices of change when appropriate, breach of contract due to privacy, and credit reporting. The company has accepted responsibility for the errors, but they are not ready to take responsible for my recovery from the damages I have suffered as a result. I feel very discriminated against and harassed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The company has 2 files they are reporting to their clients. One report with no changes and one with some changes. 
I'm sending the incorrect balances showing on my reports as attachments. In results of the errors is showing incorrect fico scores to all that views my 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 2019-01-26 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Hi my name is XXXX XXXX XXXX residing at XXXX XXXX XXXX XXXX ny XXXX phone number XXXX and I am contacting you because XXXX  is continuously reporting items on my credit reports that are fraudulent and do not belong to me and I have made them aware of this problem several times and have also sent them police reports to back up what I am stating, but yet this company still reports things that arent mine. This is causing serious XXXX related issues due to stress XXXX XXXX and the list goes on I can also provide my medical records if needed because my next step is seeking legal help if this issue isnt fixed as I am XXXX and also have a XXXX yr old XXXX child to take care of and this is all unneeded stress that could be avoided. Let me explain what this company does and maybe if you look at prior credit reports of mine you will understand what I have been going threw with this company. Everytime my credit score raises they add fraudulent accounts to make my score drop or delete accounts in good standing its a shame how these companies get away with the fraudulent activity they do but I have been studying XXXX  for almost 2yrs now and I will be filing a lawsuit this time if this issue isnt fixed. The items that should be removed because they are fraudulent and do not belong to me are {$290.00} Original creditor : XXXX XXXX XXXX XXXX Portfolio Recovery A Opened XX/XX/2015 + {$320.00} Original creditor : XXXX XXXX XXXX XXXX these are fraud and I want them removed at once from my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26 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:
Hi my name is XXXX XXXX XXXX residing at XXXX XXXX XXXX XXXX ny XXXX phone number XXXX and I am contacting you because Equifax is continuously reporting items on my credit reports that are fraudulent and do not belong to me and I have made them aware of this problem several times and have also sent them police reports to back up what I am stating, but yet this company still reports things that arent mine. This is causing serious XXXX related issues due to stress XXXX XXXX and the list goes on I can also provide my medical records if needed because my next step is seeking legal help if this issue isnt fixed as I am XXXX and also have a XXXX yr old XXXX child to take care of and this is all unneeded stress that could be avoided. Let me explain what this company does and maybe if you look at prior credit reports of mine you will understand what I have been going threw with this company. Everytime my credit score raises they add fraudulent accounts to make my score drop or delete accounts in good standing its a shame how these companies get away with the fraudulent activity they do but I have been studying Equifax for almost 2yrs now and I will be filing a lawsuit this time if this issue isnt fixed. The items that should be removed because they are fraudulent and do not belong to me are {$290.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/2015 + {$320.00} Original creditor : XXXX XXXX XXXX XXXX  these are fraud and I want them removed at once from my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26 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: Source Receivables Management LLC
State: CA

Complaint narrative:
XXXX  has been non-compliant with removing the unverified account SOURCE RECEIVABLES MANAGEMENT Opened Date XX/XX/2018 which has been deleted by XXXX  and XXXX. XXXX and XXXX  have both completed their research and determined that SOURCE RECEIVABLES MANAGEMENT was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26 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: Herbert P. Sears Co., Inc.
State: CA

Complaint narrative:
XXXX  has been non-compliant with removing the unverified account H P SEARS CO, INC Opened Date XX/XX/2018 which has been deleted by XXXX  and XXXX. XXXX  and XXXX  have both completed their research and determined that H P SEARS CO, INC was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

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 2019-01-26 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:
regarding XXXX/XXXX  account no.XXXX appearing wrongfully on my transunion and XXXX reports . 
I NEVER ORDERED THIS CARD. 
I NEVER ORDERED ANY MERCHANDISE. 
ALL OF THE CHARGES ON THIS CARD ARE RETURN OR RESTOCKING FEES AND THE INTEREST ASSOCIATED WITH THOSE FEES. 
DELETE THIS FRAUDSTER 'S ACCOUNT FROM ALL CREDIT BUREAUS.

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 2019-01-26 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:
regarding XXXX/XXXX  account no.XXXX appearing wrongfully on my XXXX   and experian reports . 
I NEVER ORDERED THIS CARD. 
I NEVER ORDERED ANY MERCHANDISE. 
ALL OF THE CHARGES ON THIS CARD ARE RETURN OR RESTOCKING FEES AND THE INTEREST ASSOCIATED WITH THOSE FEES. 
DELETE THIS FRAUDSTER 'S ACCOUNT FROM ALL CREDIT BUREAUS.

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 2019-01-26 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: MN

Complaint narrative:
My identity has been compromised and the aftermath of this has left me with unauthorized activity involving my credit report. I recently disputed the activity and the credit agencies investigation came back verified. My question now is verified by whom, and when and how. What was the Method Of Verification.  And in accordance with FCRA I'm requesting the details of the Method, or the following inquiries shall be removed immediately. The following inquiries are, 1 ) XXXX XXXX XXXX, ( XXXX ) ( XXXX ) 2 ) XXXX XXXX XXXX ( XXXX ) 3 ) XXXX XXXX ( XXXX ) 4 ) XXXX XXXX ( XXXX ) 5 ) XXXX XXXX XXXX ( XXXX ) 6 ) XXXX XXXX ( XXXX ) 7 ) XXXX XXXX ( XXXX ) 8 ) XXXX XXXX ( XXXX ) 9 ) XXXX ( XXXX ) 10 ) XXXX ( XXXX ) 11 ) XXXX ( XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26 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:
XXXX XXXX XXXX ACCOUNT NUMBER XXXX is wrongfully appearing on my transunion credit file.The collector is attempting to collect a debt for XXXX , XXXX, THE ORIGINAL CREDITOR. 
HOWEVER 1-I NEVER ORDERED A XXXX CARD 2-I NEVER ORDERED ANY XXXX MERCHANDISE 3-ALL OF THE MONEY XXXX XXXX WANTS is for return, restocking fees, the interest associated with that and any fees the collector added. 
4-SO THE ORIGINAL CREDITOR AND THEIR COLLECTOR ARE SCAMMING AND EXTORTING USING CREDIT REPORTING TO DO THAT.

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