vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-07 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: MO

Complaint narrative:
My identity has been compromised and there's unauthorized inquiries on my credit file. I'm demanding immediate removal of these unknown and unauthorized inquires. Please remove these immediately. 

1 ) XXXX XXXX ( XXXX ) 2 ) XXXX  XXXX XXXX XXXX XXXX ( XXXX ) 3 ) XXXX ( XXXX ) 4 ) XXXX XXXX XXXX XXXX ( XXXX ) 5 ) XXXX XXXX ( XXXX ) 6 ) XXXX XXXX ( XXXX ) 7 ) XXXX XXXX  XXXX ( XXXX ) 8 ) XXXX XXXX ( XXXX ) 9 ) 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 2019-06-07 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: MO

Complaint narrative:
My identity has been compromised and there's unauthorized inquiries on my credit file. I'm demanding immediate removal of these unknown and unauthorized inquires. Please remove these immediately. 

1 ) XXXX XXXX ( XX/XX/XXXX ) 2 ) XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) 3 ) XXXX (XX/XX/XXXX ) 4 ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) 5 ) XXXX XXXX (XX/XX/XXXX ) 6 ) XXXX XXXX ( XX/XX/XXXX ) 7 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 8 ) XXXX XXXX ( XX/XX/XXXX ) 9 ) XXXX XXXX XXXX XXXX ( 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 2019-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
I have tried to contact this credit card company, XXXX   XXXX/XXXX  as well as the collection agency Portfolio Recovery Associates LLC asking them several times to send me Verifiable Proof ( An Original Consumer Contract with my signature on it ) stating this debt of {$2000.00} is mine. They have failed to positively verify this account which has hurt my ability to obtain credit. XXXX   XXXX/XXXX as well as the collection agency Portfolio Recovery Associates LLC continuously sends bills and collection letters in the mail that DO NOT belong to me. Under the FCRA, unverified accounts must be deleted if the company is unable to provide me a copy of verifiable proof and this company is refusing to do so. Please assist in having this account remove from my XXXX, XXXX and XXXX Credit Report. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
It has recently come to my attention that your company has placed an inquiry on my credit report. I would like to exercise my right under section 809 of the 1972 FCRA. It is my right to request that YOU send me proof that I authorized your company to check my credit on XX/XX/XXXX. Please provide me a copy of a signed credit application and documents showing I specifically gave your company the authorization to review my credit. 
If you can not provide me the requested proof within 10 days I request that you immediately DELETE this item from my credit report. Please note any templates, or off subject information letters will be taken as an avoidance tactic by your company. 
Please attach a document on your company letterhead stating your findings and result of deletion of this inquiry along with Confirmation Deletion Request Number.

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 2019-06-07 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:
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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 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: KY

Complaint narrative:
What in the world is happening here that my concern was not attended by Transunion!! I am exhausted sending letters and did not get anything from them!! Not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : 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 2019-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
1.on XX/XX/2019 i noticed a suspicious charge on my account in the amounts of XXXX and XXXX 2. i  called XXXX to enquirer about the transaction, and discovered it originated from XXXX. 
Seller 's Name : XXXX XXXX Seller 's Email : XXXX Seller 's Transaction ID : XXXX Transaction Date : XX/XX/2019 Transaction Amount : - {$450.00} USD Your Transaction ID : XXXX Case Number : XXXX 3. Spoke with rep at XXXX XXXX that said they will get in contact with bank. 
*XX/XX/XXXX at XXXX XXXX  Date : XX/XX/2019 From : XXXX Customer Solutions Department To : JPMORGAN CHASE RE : NSF Fees I'm writing in response to the non-sufficient funds ( NSF ) fees that our mutual customer XXXX XXXX received as a result of an unauthorized transaction using XXXX . 

The NSF fees were charged because of one or more XXXX transactions initiated on XXXX for {$450.00} & {$38.00}. We investigated the transactions and found that they were not authorized by the account holder. 


I understand that XXXX XXXX is requesting that you waive some or all of the fees for these unauthorized transactions. This letter is to confirm that they did not authorize the transactions that caused the NSF fees. 

Sincerely, XXXX XXXX Customer Solutions Department ) 4. on XX/XX/2019 i spoke with Chase Bank Rep. XXXX in person at the bank and was told that additional charges could not be waived. 
5. on discovery that additional charges were made to my account for unauthorized transactions and despite a letter/call from XXXX to waive said charges. I made another phonecall on XX/XX/2019 and spoke with XXXX and asked again for charges to be waived. I was told no they can not,. Subsequently i notified them that i would be filing a complaint with Consumer Financial Protection Bureau, hence this complaint to your office.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-07 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: KY

Complaint narrative:
What in the world is happening here that my concern was not attended by Equifax!! I am exhausted sending letters and did not get anything from them!! Not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX  XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Columbia Recovery Group LLC
State: WA

Complaint narrative:
Unbeknown to me my wages started to get garnished by Columbia Debt Recovery XX/XX/XXXX. I have  been away from work since XXXX on short term XXXX and the company sent documents to my work and I never received them until after the garnishment started. I was not provided legal documents to my resident address or no attempt via phone. If I was properly provided a 30 day notice letter I would have taken the necessary steps to dispute the unk collection. They garnished my wages at 25 % and I have been evicted from my residence due to the fact.

Company response to consumer: Untimely response
Consumer complaint received 2019-06-07 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: KY

Complaint narrative:
What in the world is happening here that my concern was not attended by Experian!! I am exhausted sending letters and did not get anything from them!! Not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report 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 non-monetary relief
Consumer complaint received 2019-06-07 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: ID

Complaint narrative:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

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 2019-06-07 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: KY

Complaint narrative:
I have disputed the late payment status reported on XXXX/XXXX XXXX, XXXX/XXXX   XXXX, XXXX XXXX XXXX  XXXX, XXXX/XXXX XXXX with the credit bureaus for several attempts, to no avail.. They did not give me evidence or verification as to why they will not overturn the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 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: ID

Complaint narrative:
Please reverse the late payments reported on the following accounts : DPT ED/XXXX XXXX, DPT ED/XXXX XXXXXXXX, DPT ED/XXXX XXXX, DPT ED/XXXX  XXXX, DPT ED/XXXX, DPT ED/XXXX  XXXX, DPT ED/XXXX XXXX, XXXX XXXX XXXX XXXX. Accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

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 2019-06-07 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: ID

Complaint narrative:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 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: KY

Complaint narrative:
I have disputed the late payment status reported on XXXX  XXXX, XXXX  XXXX, XXXX XXXX XXXX  XXXX, XXXX  XXXX with the credit bureaus for several attempts, to no avail.. They did not give me evidence or verification as to why they will not overturn the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2019-06-07 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: KY

Complaint narrative:
I have disputed the late payment status reported on XXXX  XXXX, XXXX   XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX with the credit bureaus for several attempts, to no avail.. They did not give me evidence or verification as to why they will not overturn the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2019-06-07 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: KY

Complaint narrative:
Why is this on my credit report i cant locate it..based on my research, XXXX sold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system. Chapter XXXX Bankruptcy XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 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: ID

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 XXXX XXXX, XXXX 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 explanation
Consumer complaint received 2019-06-07 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: ID

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 XXXX XXXXXXXX, XXXX ( Original Creditor : XXXX XXXX  ) XXXX, XXXX XXXX XXXX ( Original Creditor : 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 2019-06-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
Why is this on my credit report i cant locate it..based on my research, XXXX sold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system. Chapter XXXX Bankruptcy Discharged 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 2019-06-07 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
Why is this on my credit report i cant locate it..based on my research, XXXX-XXXX  sold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system. Chapter XXXX Bankruptcy Discharged 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 2019-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: SC

Complaint narrative:
LexisNexis has willfully and maliciously allowed false information to remain on my insurance report for four years and is unable to provide accurate information in reference to the use of my profile with them. On XX/XX/XXXX I was involved with a not at fault accident where the at fault driver rear ended my XXXX XXXX XXXX and the driver was excluded for the owners insurance and thus was an uninsured motorist. Then on XX/XX/XXXX I was shopping for new car insurance and it was disclosed to me by XXXX, XXXX XXXX, XXXX and XXXX insurance that said accident was reporting as an At Fault hit and run accident with damage of {$17000.00} and makes me ineligible for car insurance. Upon contact with LexisNexis and the insurance company that handled the claim XXXX, it was determined based of evidence provided to me that LexisNexis doesnt keep accurate records of who requests a Loss History report or who requested a copy of the consumer file. Also it was determined that they willfully and maliciously keep false data on a consumers file because they keep claiming that my file states the accident is not a fault in their system but then when an insurance company pulls it they state at fault. There are multiple requests to fix the false information and even with an agent from XXXX insurance on the phone LexisNexis would still not fix the false information. Upon request from XXXX, XXXX XXXX and XXXX with two different policys this false information has been used to determine my rates with them thus causing me to pay higher premiums then I should have been paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 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: MN

Complaint narrative:
I am requesting with this complaint that the following inaccurate items be removed from my credit report. The items are not mine and are causing me financial distress because of their derogatory information XXXX XXXX XXXX ( Original Creditor : 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