vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Commercial Recovery Systems
State: GA

Complaint narrative:
My wife and I were contacted by XXXX XXXX XXXX regarding a fake debt owed to a bank. Upon further investigation, there is no debt owed to the bank. CRS has threaten arrest to my wife and and doing even more investigation, CRS has been BANNED from ever collecting any debts per XXXX. We have also hired an attorney to take FULL, LEGAL ACTION against XXXX XXXX XXXX. This company has used vulgar language to us, impersonating law enforcement officers, as well as court officials. This calls started on XX/XX/XXXX and are also harassing family members.

Company response to consumer: Untimely response
Consumer complaint received 2019-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Interstate Credit Control
State: MN

Complaint narrative:
On XX/XX/2017, I moved out of my apartment ( @ XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX owned and operated by XXXX XXXX ) after giving my 60 day notice to move out. Along with the original " Move-In/ Move-Out Inspection Form, '' my caretaker of my building went though a walk-through of my apartment. He, XXXX XXXX, signed the Move-Out comments section stating " All good in apartment/ normal wear & tear of carpet with NO issues found. 
I was then told by him, and XXXX ( who works in the office dept. for Innovative Properties ) that I would receive my {$400.00} Damage Deposit within 30 days to my new address I left them. 
I NEVER received my Damage Deposit Refund! Instead, I got a letter shortly thereafter dated XX/XX/2017 ) from XXXX XXXX saying I owe {$830.00}. Said charges stated " We are not refunding your deposit from your apartment due to : Rent, late fees, and damages far exceed your original " security Deposit and accured interest. '' Then it shows a list of {$400.00} Orig. security deposit, trivial charges including charging me a late charge on a full months rent with is not correct, AND Less cost to replace carpet ( damage to carpet beyond normal wear and tear ; pro-rated based on life of carpet ). If the amount is not received in our office BEFORE XX/XX/2017 we will forward your debt to " Negotium '' for collections. This WILL affect your credit score and rental history. 
They did turn it over to XXXX, who when once notified me, I replied back with a written APPEAL LETTER. I stated why I didn't owe any money, that I had written & verbal and 2 recorded telephone conversations as proof. 
They " XXXX '' never responded to me again. This is, and has been, on and affecting my credit ever since. I am owed my money back w/ interest, PLUS " XXXX '' actions ( and failure to respond ) has/is affecting my credit and EVERYTHING in my life for the past 2 years! 
I NEED this resolved and actions taken to remove this charge from my credit report ( all 3 ) immediately! 
I have more supporting evidence that I am unable to attach to this complaint at this time. I can and will provide copies of such if needed in another attached form as well as I and can play and provide 2 verbal conversations as stated herein. 

I

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello, I am filing a complaint due to the fact that my credit score is being affected by someone else 's loans. I looked at my credit report and found out my credit score with Equifax is affected by someone else 's actions. The person 's information is on my credit report for some reason I do not understand, but what I do understand is that my credit is being affected drastically because of what the other person is doing. On my credit report that I printed out on XX/XX/XXXX, it shows I have asked for a credit card with a balance of {$12000.00} in XX/XX/XXXX, a student loan of {$1400.00} in XX/XX/XXXX and another student loan of {$3500.00} in XX/XX/XXXX, and a car loan of {$13000.00} in XXXX of XXXX. In which all of those are under Equifax credit bureau. None of those are under my name nor I have control of those accounts. I would like to eliminate all those accounts and the person who is showing up on my credit report, because it is affecting my credit therefore making it hard for me to try to progress. I appreciate the time and look forward into finding a solution regarding my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 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:
There's a whole other name " XXXX XXXX, XXXX " and unauthorized accounts attached to my credit data / file, and I'm demanding that this other name inwhom is not mines and these accounts are removed immediately. As a consumer I'm entitled to consumer rights and protection against the 3 major credit bureaus as stated within the FCRA. I'm also demanding that all the addresses on my credit report be removed, all except the one that's on my id see the attached. Again please block the unauthorized name and these accounts on my report. 

1 ) XXXX XXXX XXXX ... ..name 2 ) XXXX XXXX XXXX {$3200.00} 3 ) XXXX XXXX XXXX 4 ) XXXX XXXX 5 ) XXXX XXXX XXXX  {$4200.00}

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 2019-04-29 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:
I sent in certified letters to the credit bureaus telling them that these accounts did not belong to me. I ask them to send me any documents they had to verify that these accounts were mine. with all these data breaches that these credit bureaus have is ridiculous. at least take the time to do investigation, instead of telling me that these accounts have been verified, if they have been verified, why can't you send me the documents to verify them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 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: GA

Complaint narrative:
After all the recent media I've been seeing about several hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus. I filed a police report to notify authorities. So far no actions have been taken by any of the credit bureaus. 

Below are fraudulently unauthorized inquiries on my report : Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX  Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX XXXX Below are the Company, Account #, Dates opened, and balances for the inaccuracies reporting on my credit report : Company : XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$390.00} Company : XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$3900.00} Company : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$12000.00} Company : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$8500.00} Company : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$12000.00} Company : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$8500.00} Company : XXXX XXXX XXXX   Account # XXXX Date Open : XX/XX/XXXX Balance : {$8500.00} Company : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$12000.00} Company : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$1100.00} Company : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$6200.00} Company : XXXX Account # XXXX Date Open : UNKNOWN Balance : {$100000.00} Company : XXXX   Account # XXXX Date Open : XXXX XXXX Balance : {$12000.00} Company : XXXX  Account # XXXX Date Open : XXXX XXXX Balance : {$8500.00} Company : XXXX XXXX XXXX Account XXXX XXXX Date Open : XX/XX/XXXX Balance : {$370.00} Company : XXXX XXXX Account XXXX XXXX XXXX Open : unkown Balance : unknown

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 2019-04-29 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: LEXISNEXIS
State: GA

Complaint narrative:
LexisNexis has my risk file mixed with multiple other individuals, and reporting fraudulent information about me to creditors. I have notified LexisNexis of this mixed file and fraud in a very detailed letter that I have both emailed them and sent certified mail with return receipt. 

-They have multiple fraudulent social security numbers on my credit file -Multiple Fraudulent addresses on my risk file that I have never resided -They have multiple evictions listed on my risk file that I have never lived -They have a bankruptcy listed on my risk file that is fraudulent and I never filed To this point LexisNexis has refused to acknowledge they have my risk file mixed and that they are reporting false information to 3rd parties about me that is not mine. LexisNexis is intentionally and willfully inflicting emotional distress on me, and defaming my character by continuing to report information that have been told was false/fraudulent and provided a police report outlining the identity theft that I have endured for many years. I became aware that LexisNexis was reporting fraudulent information about me when I obtained the attached denial letter form XXXX XXXX. 


I am attaching all of the same documents to this complaint that I sent to LexisNexis that they have refused to use to correct my risk file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 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: GA

Complaint narrative:
After all the recent media I've been seeing about several hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus. I filed a police report to notify authorities. So far no actions have been taken by any of the credit bureaus. 

Below are fraudulently unauthorized inquiries on my report : Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX Date : XX/XX/XXXX Company : XXXX XXXX  Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX  XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX  Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Company : XXXX XXXX Company : XXXX  XXXX Below are the Company, Account #, Dates opened, and balances for the inaccuracies reporting on my credit report : Company : XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$390.00} Company : XXXX XXXX XXXX  # : XXXX Date Open : XX/XX/XXXX Balance : {$3900.00} Company : DEPT OF EDXXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$12000.00} Company : DEPT OF ED/XXXX   Account # XXXX Date Open : XX/XX/XXXX Balance : {$8500.00} Company : DEPT OF ED/XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$12000.00} Company : DEPT OF ED/XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$8500.00} Company : DEPT OF ED/XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$8500.00} Company : DEPT OF ED/XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$12000.00} Company : DEPT OF EDXXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$1100.00} Company : DEPT OF ED/XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$6200.00} Company : XXXX Account # XXXX Date Open : UNKNOWN Balance : {$100000.00} Company : XXXX   Account # XXXX Date Open : XXXX XXXX Balance : {$12000.00} Company : XXXX  Account # XXXX Date Open : XXXX XXXX Balance : {$8500.00} Company : XXXXXXXX XXXX XXXX  Account XXXX XXXX Date Open : XX/XX/XXXX Balance : {$370.00} Company : XXXX XXXX Account XXXX XXXX XXXX Open : unkown Balance : unknown

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 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:
After all the recent media I've been seeing about several hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus. I filed a police report to notify authorities. So far no actions have been taken by any of the credit bureaus. 

Below are fraudulently unauthorized inquiries on my report : Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX  XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX  Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX  XXXX Date : XX/XX/XXXX Company : XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX  Date:XX/XX/XXXX Below are the Company, Account #, Dates opened, and balances for the inaccuracies reporting on my credit report : Company : XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$390.00} Company : XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$3900.00} Company : XXXX XXXX XXXX/XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$12000.00} Company : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$8500.00} Company : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$12000.00} Company : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$8500.00} Company : XXXX XXXX XXXX   Account # XXXX Date Open : XX/XX/XXXX Balance : {$8500.00} Company : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$12000.00} Company : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$1100.00} Company : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$6200.00} Company : XXXX Account # XXXX Date Open : UNKNOWN Balance : {$100000.00} Company : XXXX   Account # XXXX Date Open : XXXX XXXX Balance : {$12000.00} Company : XXXX  Account # XXXX Date Open : XXXX XXXX Balance : {$8500.00} Company : XXXX XXXX XXXX Account XXXX XXXX Date Open : XX/XX/XXXX Balance : {$370.00} Company : XXXX XXXX Account XXXX XXXX XXXX Open : unkown Balance : unknown

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 2019-04-29 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: VA

Complaint narrative:
I sent in certified letters to the credit bureaus telling them that these accounts did not belong to me. I ask them to send me any documents they had to verify that these accounts were mine. with all these data breaches that these credit bureaus have is ridiculous. at least take the time to do investigation, instead of telling me that these accounts have been verified, if they have been verified, why can't you send me the documents to verify 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 explanation
Consumer complaint received 2019-04-29 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: VA

Complaint narrative:
I sent in certified letters to the credit bureaus telling them that these accounts did not belong to me. I ask them to send me any documents they had to verify that these accounts were mine. with all these data breaches that these credit bureaus have is ridiculous. at least take the time to do investigation, instead of telling me that these accounts have been verified, if they have been verified, why can't you send me the documents to verify 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 explanation
Consumer complaint received 2019-04-29 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:
There's a whole other name " XXXX XXXX, XXXX " and unauthorized accounts attached to my credit data / file, and I'm demanding that this other name inwhom is not mines and these accounts are removed immediately. As a consumer I'm entitled to consumer rights and protection against the 3 major credit bureaus as stated within the FCRA. I'm also demanding that all the addresses on my credit report be removed, all except the one that's on my id see the attached. Again please block the unauthorized name and these accounts on my report. 

1 ) XXXX XXXX XXXX ... ..name 2 ) XXXX XXXX XXXX {$3200.00} 3 ) XXXX XXXX XXXX  4 ) XXXX XXXX 5 ) XXXX XXXX XXXX  {$4200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-29 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:
There's a whole other name " XXXX XXXX, XXXX " and unauthorized accounts attached to my credit data / file, and I'm demanding that this other name inwhom is not mines and these accounts are removed immediately. As a consumer I'm entitled to consumer rights and protection against the 3 major credit bureaus as stated within the FCRA. I'm also demanding that all the addresses on my credit report be removed, all except the one that's on my id see the attached. Again please block the unauthorized name and these accounts on my report. 

1 ) XXXX XXXX XXXX ... XXXXname 2 ) XXXX XXXX XXXX {$3200.00} 3 ) XXXX XXXX XXXX 4 ) XXXX XXXX 5 )  XXXX XXXX XXXX {$4200.00}

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 non-monetary relief