vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-22 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: MS

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) 5XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX 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 explanation
Consumer complaint received 2019-05-22 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: MS

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed.. XXXX XXXX ( Original Creditor : 12 XXXX ) XXXX, XXXX  ( Original Creditor : 11 XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 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 — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: UT

Complaint narrative:
Barclay failed to wait for the police report to be finalized since multiple credit cards were fraudulently used. They closed my accounts are trying to make me responsible for fraudulent debts that I don't owe. 

They can relieve a copy of the police reports to remove the debts in my name. 

XXXX-REPORT NUMBER : XXXX-XXXX XXXX-REPORT NUMBER : XXXX-XXXX XXXX-REPORT NUMBER : 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 monetary relief
Consumer complaint received 2019-05-22 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: MO

Complaint narrative:
I'm disputing the following accounts in Pursuant to FCRA 611 ( a ) ( 5 ) ( b ), and the fact these accounts are not mines, and unknown and unauthorized by me, and I'm requesting that the 3 major credit bureaus block these accounts. XX/XX/2019, the 3 major reporting credit bureaus response was " accounts verified ", verified by whom, what time, what date, and what physical documentation. And electronic Verification can not be accepted as proof so with that said either your company block these accounts or send me signed, sealed physical documentation of the accounts you and your companies are reporting. Please remove the following unauthorized accounts. 

1 ) XXXX XXXX XXXX XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX XXXX   {$7300.00} 4 ) XXXX XXXX XXXX {$5400.00} 5 ) XXXX XXXX XXXX {$3900.00} 6 ) XXXX XXXX XXXX {$3000.00}

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 2019-05-22 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: MO

Complaint narrative:
I'm disputing the following accounts in Pursuant to FCRA 611 ( a ) ( 5 ) ( b ), and the fact these accounts are not mines, and unknown and unauthorized by me, and I'm requesting that the 3 major credit bureaus block these accounts. XX/XX/2019, the 3 major reporting credit bureaus response was " accounts verified ", verified by whom, what time, what date, and what physical documentation. And electronic Verification can not be accepted as proof so with that said either your company block these accounts or send me signed, sealed physical documentation of the accounts you and your companies are reporting. Please remove the following unauthorized accounts. 

1 ) XXXX XXXX XXXX XXXX 2 ) XXXX XXXX XXXX 3 ) Dept of ED/XXXX  {$7300.00} 4 ) Dept of ED/XXXX  {$5400.00} 5 ) Dept of ED/XXXX {$3900.00} 6 ) Dept of ED/XXXX {$3000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-22 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: MO

Complaint narrative:
My identity has been used by people or persons unknown to me, this assumption comes from items on my credit report unknown to me. I was shocked to see these accounts and demanding that someone his explain this to me or please remove them immediately. I would like to see exactly what was used to get these in my name. Please block these unauthorized accounts. 

1 ) XXXX XXXX XXXX  2 ) XXXX XXXX {$4000.00} 3 ) XXXX XXXX {$820.00} 4 ) XXXX XXXX XXXX {$570.00} 5 ) XXXX  XXXX and XXXX {$330.00} 6 ) XXXX   XXXX XXXX {$85.00} 7 ) 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 2019-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/2019 I contacted Chase Bank phone customer service to have three {$34.00} overdraft fees waived due to low funds on my end to cover 3 bills. I explained I didnt have enough to cover the full negative balance. I was only able to deposit {$240.00} and my balance was negative {$27.00}. I was told there was nothing they could do. I request to speak to a manger but was told, Just to let you know, they are going to tell you the same thing I said. Horrible way to show empathy and provide great customer service. No effort was done by Chase to help me out.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-22 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: MS

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

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 2019-05-22 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: MS

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

XXXX XXXX XXXX   XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 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: MS

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed.. XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX, XXXX ( Original Creditor : 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 2019-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts are stating that I was late when in fact I wasn't..please delete this negative item reporting on XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX..Because it is ruining my financial reputation

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 2019-05-22 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: MO

Complaint narrative:
My identity has been used by people or persons unknown to me, this assumption comes from items on my credit report unknown to me. I was shocked to see these accounts and demanding that someone his explain this to me or please remove them immediately. I would like to see exactly what was used to get these in my name. Please block these unauthorized accounts. 

1 ) XXXX XXXX XXXX 2 ) XXXX XXXX {$4000.00} 3 ) XXXX XXXX   {$820.00} 4 ) XXXX XXXX XXXX {$570.00} 5 ) XXXX XXXX XXXX XXXX   {$330.00} 6 ) XXXX XXXX XXXX  {$85.00} 7 ) 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 2019-05-22 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: MO

Complaint narrative:
My identity has been used by people or persons unknown to me, this assumption comes from items on my credit report unknown to me. I was shocked to see these accounts and demanding that someone his explain this to me or please remove them immediately. I would like to see exactly what was used to get these in my name. Please block these unauthorized accounts. 

1 ) XXXX XXXX XXXX 2 ) XXXX XXXX  {$4000.00} 3 ) XXXX XXXX {$820.00} 4 ) XXXX XXXX XXXX   {$570.00} 5 ) XXXX XXXX XXXX XXXX {$330.00} 6 ) XXXX XXXX XXXX {$85.00} 7 ) XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts are stating that I was late when in fact I wasn't..Please delete this negative information reporting on XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I received a phone call from JP Morgan Chase Bank a couple weeks ago advising me that I owed money on a Chase accountant roughy {$900.00}. I advised the representative who was calling me from an out of state phone number that I do not have a Chase account and further requested that she transfer me to the correct department to have the account removed from my name and social security number. She was incredibly unprofessional, hostile and rude, threatened to disconnect the phone call multiple times, proceeded to continue asking me for payment and advising me that she was trying to collect a debt, albeit having been advised that the account in question was opened under fraudulent means. Chase has violated federal law by refusing to take the mandated steps to correct this matter. Furthermore, one of my stolen checks in the amount of {$4000.00} was deposited into this account and Chase has refused to reimburse us for this. If I dont receive an adequate response with resolution I will file a small claims lawsuit against JP Morgan Chase Bank to recover my {$4000.00} as well as any further damages as a result of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
one Equifax is reporting a collection after I sent a letter from the company paid in full.

2. all three is reporting a higher usage than is correct it need to go down since I have paid the loan in full it went up when the loan was reported to the three reporting and now since the loan is pain in full it should go back down at all three crediting reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
one XXXX is reporting a collection after I sent a letter from the company paid in full. 
2. all three is reporting a higher usage than is correct it need to go down since I have paid the loan in full it went up when the loan was reported to the three reporting and now since the loan is pain in full it should go back down at all three crediting reporting

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 2019-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts are stating that I was late when in fact I wasn't..Please delete this negative information reporting on 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 2019-05-22 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: MO

Complaint narrative:
Inaccurate, unknown, and unauthorized accounts is constantly being mis reported on my credit file. I have requested the Method of Verification from the 3 CRA on numerous occasions to no prevail. My next step will be to file suit against XXXX, XXXX, and Experian for not honoring my demand for a Method of Verification or to block these unauthorized accounts inwhich held me victim to their reportings inwhich caused me more distress inwhich I could write about. These 3 major CRA all has recently responded to previous requests stating " accounts verified ", but never once provided me with physical documentation of this so called Verification. I'm demanding to know how and who verified this because as a general rule of thumb electronic Verification can not be accepted as proof of anything. Also as stated within the FCRA laws inwhich is backed by the FTC, if these 3 CRA can not produced the above request then these following accounts shall be blocked and removed from my credit files immediately. 

Accounts 1 ] XXXX XXXX XXXX {$680.00} 2 ] XXXX XXXX XXXX {$350.00} 3 ] XXXX XXXX XXXX  {$140.00} 4 ] XXXX XXXX XXXX 5 ] US Dept of Education {$3800.00} 6 ] XXXX XXXX XXXX 7 ] XXXX XXXX {$130.00} 8 ] XXXX XXXX {$72.00} 9 ] XXXX XXXX XXXX {$71.00} 10 ] XXXX XXXX 11 ] XXXX XXXXXXXX {$30.00}

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 2019-05-22 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: TN

Complaint narrative:
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts are stating that I was late when in fact I wasn't..Please delete this negative information reporting on 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 2019-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX XXXX XXXX  XXXX XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ; XXXX , XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ; and 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 2019-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts are stating that I was late when in fact I wasn't..Please delete this negative information reporting on 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