vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-24 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: FL

Complaint narrative:
I am not the owner of XXXX XXXX XXXX ( ORIG CREDITOR : 01 XXXX XXXX XXXX XXXX )  I do not owe these companies..Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply.

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 2019-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I requested a copy of my credit report XX/XX/XXXX and against XX/XX/XXXX. Each time I was told my information does not match their records. Each time I submitted copies of my identification. I used third party websites to view my report. Personal details were incorrect. The credit bureau listed me as male. There is a public record bankruptcy on the report. There are several inquiries I did not authorize. I have been in dispute with this bureau since XX/XX/XXXX. I disputed information reported by XXXX XXXX   online by the link provided by XXXX XXXX in XX/XX/XXXX. The credit bureau said the information was verified and would not be removed. I sent a dispute to XXXX XXXX by certified mail to the address reported by the credit bureau to XXXX XXXX XX/XX/XXXX. The mail was returned undelivered, unable to forward. I have requested all the addresses which are undeliverable to me be deleted from my report. I have asked that all names other than the one on my ID be deleted. I have asked that my employer is corrected. The credit bureau has not provided any documentation verifying any of the questioned items are mine. I was told by the credit bureau in XX/XX/XXXX, the bankruptcy was confirmed by XXXX. My file was suppressed by XXXX in XX/XX/XXXX. The credit bureau finally provided a copy of my credit report. However, inaccurate information is still shown on the report. Equifax is the reporting bureau. I received a letter from XXXX XXXX XXXX, saying my credit line was decreased due to a significant decrease in credit score. The information received was reported by Equifax. I contacted the Bankruptcy Court. I have attached the letter received from the Court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
Every company that uses synchrony bank has decreased my balance with out notice. This has also happened everytime I pay down my card they reduce my credit limit. Keeping my cards at 90 % use. This is ruining my credit I'm trying to build. Customer  service is no help at all.

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 2019-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recovery Services purchased an account from XXXX XXXX  in the amount of {$590.00} but does not have any documents showing a balance of {$590.00} was even owed. There is not one document that Portfolio Recovery Services has provided in the past few months that has that amount listed accept for the debt purchase letter they have provided. 

Portfolio Recovery has continued report to the credit bureau {$570.00} but they did not purchase a debt for this amount. The debt purchase validation letter states the debt amount was {$590.00}. 

Portfolio has sent multiple documents with the amounts owed of {$590.00} and in the amount of {$570.00} these are two different debt amounts After I began disputing the account Portfolio Recovery Adjusted the amount on my credit report from {$590.00} to {$570.00} after I disputed the validity of this account and the documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 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: NV

Complaint narrative:
I am not the owner of XXXX XXXX XXXX, and XXXX   XXXX XXXX ( ORIG CREDITOR : 11 XXXX XXXX, I do not owe these companies..Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply.

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 2019-06-24 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: NV

Complaint narrative:
my loan payments were temporarily suspended because I am experiencing financial difficulty, please verify US DEPT OF EDUCATION with the lender and fix the account. It should not be reported on my credit files multiple times.. I do not understand how credit bureaus received this information but it is completely false.. This is a clear violation of the FCRA and I have an attorney in place ready to move forward with legal actions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 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: TN

Complaint narrative:
XX/XX/2019 I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The letter stated that they incorrectly reported this loan as open. They explained that letters were sent to all three credit bureaus and the information would be corrected. 

Three months later XXXX XXXX XXXX is still showing an open balance which is WRONG! My credit report is showing I have 2 mortgages totaling $ XXXX. My wife and I refinanced this loan and the XXXX XXXX accounts should be closed. My wife 's report is reporting correctly, mine is not. This is the reason why I filed a complaint against XXXX XXXX initially. Their accounting and record keeping are terrible in my opinion and this proves my point. My debt to income ratio has tripled, I DO NOT HAVE 3 MORTGAGES. XXXX XXXX NEEDS TO REMOVE THE TWO MORTGAGES THEY PUT ON MY CREDIT REPORT IMMEDIATELY!

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 2019-06-24 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: NV

Complaint narrative:
my loan payments were temporarily suspended because I am experiencing financial difficulty, please verify US DEPT OF EDUCATION with the lender and fix the account. It should not be reported on my credit files multiple times.. I do not understand how credit bureaus received this information but it is completely false.. This is a clear violation of the FCRA and I have an attorney in place ready to move forward with legal actions

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 2019-06-24 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: NV

Complaint narrative:
my loan payments were temporarily suspended because I am experiencing financial difficulty, please verify US DEPT OF EDUCATION with the lender and fix the account. It should not be reported on my credit files multiple times.. I do not understand how credit bureaus received this information but it is completely false.. This is a clear violation of the FCRA and I have an attorney in place ready to move forward with legal actions

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 2019-06-24 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: NV

Complaint narrative:
I am not the owner of XXXX XXXX XXXX, XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX ) .. I do not owe these companies..Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 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: NV

Complaint narrative:
I am not the owner of XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX ) -I do not owe these companies..Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply.

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 2019-06-24 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: NV

Complaint narrative:
I am not the owner of XXXX XXXX ( ORIG CREDITOR : 09 XXXX   XXXX XXXX XXXX XXXX ) -I do not owe these companies..Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply.

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 2019-06-24 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: NV

Complaint narrative:
I am not the owner of US DEPT OF EDUCATION/XXXX, This is not the correct name of the student loan that was granted..I do not owe this company..Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply.

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 2019-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
XX/XX/19 my name was used for XXXX XXXX and was updated past due on XX/XX/19 for {$400.00} and I have not registered for any such thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 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: Credit Karma, LLC

Complaint narrative:
I have a mixed file the person on the other file is in debt and missing repayments, My score is going down rapidly it's causing me serious problems. The information is on credit karma the loans are XXXX, XXXX, and XXXX  I have contacted several agencies and tried to contact credit karma no one is giving me clear advice on how to fix this. I need help on what steps to take to fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 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: NV

Complaint narrative:
On XX/XX/XXXX on noticed items were on my credit report that did not belong to me so I ask the credit agencys to please verify these accounts via ftc section code 609 but they refused to verity these accounts and continue to keep it on the my. credit

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 2019-06-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I did not receive a refund on lease # XXXX, 2015 hyundai of {$580.00}. I leased a new hyundai, # XXXX and was to receive a refund or credit for an advance payment made on the old lease. I have contacted hyundai by phone, email and u s mail, but they refuse to refund or credit my current account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 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: FL

Complaint narrative:
Re : False Credit Information : To Consumer Relations : I received a copy of my credit report and found the following mistakes, in that you are reporting inaccurate and false credit information. It appears that my credit identity may have been compromised. The following information needs to be investigated and removed as they are not mine. 

1. This is not my account and should not be on my report.. 
XXXX XXXX XXXX OF XXXX / XXXX Account Number : XXXX Please provide proof of a contract with my signature or remove it from my credit report. 

2. I never authorized this account is unknown to me. 
XXXX XXXX XXXX XXXX  Account Number : UNKNOWN ACCOUNT I never opened or authorized this account / this is not mine. Please provide proof of a contract and my signature or delete it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 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: FL

Complaint narrative:
Re : False Credit Information : To Consumer Relations : I received a copy of my credit report and found the following mistakes, in that you are reporting inaccurate and false credit information. It appears that my credit identity may have been compromised. The following information needs to be investigated and removed as they are not mine. 

1. This is not my account and should not be on my report.. 
XXXX XXXX XXXX XXXX XXXX / XXXX Account Number : XXXX Please provide proof of a contract with my signature or remove it from my credit report. 

2. I never authorized this account is unknown to me. 
XXXX XXXX XXXX XXXX Account Number : UNKNOWN ACCOUNT I never opened or authorized this account / this is not mine. Please provide proof of a contract and my signature or delete it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 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: NV

Complaint narrative:
On XX/XX/XXXX on noticed items were on my credit report that did not belong to me so I ask the credit agencys to please verify these accounts via ftc section code 609 but they refused to verity these accounts and continue to keep it on the my. credit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 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: NV

Complaint narrative:
On XX/XX/XXXX on noticed items were on my credit report that did not belong to me so I ask the credit agencys to please verify these accounts via ftc section code 609 but they refused to verity these accounts and continue to keep it on the my. credit

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 2019-06-24 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:
I am not the owner of XXXX XXXX XXXX ( ORIG CREDITOR : 06 XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : 11 XXXX  XXXX ), XXXX XXXX  ( ORIG CREDITOR : 11 XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : 07 XXXX XXXX XXXX I do not owe these companies..Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply.

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 2019-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.

Complaint narrative:
I have had a Coinbase account for over 2 years now, I transferred bitcoins to a XXXX XXXX I had created at the beginning of the account, now I want to withdraw them but I keep being asked about a secondary e-mail that I obviously dont remember, Im trying to contact the company support for more than 3 weeks with not a single reply from them. I searched online and this is a common problem so I dont understand the delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 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:
I am not the owner of XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ) I do not owe these companies..Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply.

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 2019-06-24 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
Unknown account. On top of that, there are Inconsistent information reporting on my credit report on all three bureaus : XXXX reports XXXX balance while two other credit bureaus report a balance of {$6500.00}. Also, there is no indication on which company this account originated from.

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 2019-06-24 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:
I am not the owner of XXXX XXXX XXXX  ( ORIG CREDITOR : XXXX XXXX XXXX XXXX I do not owe these companies..Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 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 couldn't believe my credit report when I saw it. The accounts were paid off before it even go to collections ... .Its a bit confusing when an account is a charge off and showing a balance at the same time..Please remove this error and fix my accounts XXXX ( reported thrice on my Equifax credit report ) , XXXX XXXX XXXX, XXXX XXXX ( reported twice on my Equifax credit report )

Company response to consumer: Closed with explanation